Multi-way transactions related data exchange apparatus and methods
First Claim
1. A method of processing transaction-related data, comprising:
- generating an electronic file comprising transaction-related data;
processing said file to create a first indicator of at least the content of said file at a first time;
encrypting said first indicator to produce at least one encrypted indicator;
combining said encrypted indicator and said file to form a data structure;
placing a portable radio frequency-identification (RFID) capable data transfer device in wireless data communication with a device on which said data structure is resident, said RFID capable data transfer device being adapted to store transaction specific data in encrypted form;
authenticating the identity of a user of said portable RFID capable data transfer device; and
transferring said data structure to said RFID capable data transfer device if said user'"'"'s identity is authenticated;
wherein said act of processing is performed substantially by a point-of-sale device, and said portable RFID capable data transfer device is adapted for data communication with said point-of-sale device via at least one of;
(i) direct data communication with point-of-sale device, or (ii) a data networking hub.
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Accused Products
Abstract
Methods and apparatus for conducting electronic transactions such as commerce transactions or purchases and exchanging related information. In one aspect, a robust and integrated apparatus and associated method is provided whereby a purchaser can securely provide transaction data and/or information in an electronic format to another party such as a vendor. In one exemplary embodiment, the purchaser can authenticate his or her right to use the billing information contained therein to complete a purchase without actually having to disclose the billing information in a human readable format, thereby enabling the vendor to obtain and authenticate the purchaser'"'"'s identity and billing information while still protecting the purchaser'"'"'s privacy, and without requiring disclosure of the purchaser'"'"'s billing information to the vendor'"'"'s employees or any other parties. In another aspect, the vendor can provide information about the transaction in an electronic form that can be authenticated and verified for accuracy.
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Citations
25 Claims
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1. A method of processing transaction-related data, comprising:
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generating an electronic file comprising transaction-related data; processing said file to create a first indicator of at least the content of said file at a first time; encrypting said first indicator to produce at least one encrypted indicator; combining said encrypted indicator and said file to form a data structure; placing a portable radio frequency-identification (RFID) capable data transfer device in wireless data communication with a device on which said data structure is resident, said RFID capable data transfer device being adapted to store transaction specific data in encrypted form; authenticating the identity of a user of said portable RFID capable data transfer device; and transferring said data structure to said RFID capable data transfer device if said user'"'"'s identity is authenticated; wherein said act of processing is performed substantially by a point-of-sale device, and said portable RFID capable data transfer device is adapted for data communication with said point-of-sale device via at least one of;
(i) direct data communication with point-of-sale device, or (ii) a data networking hub. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 11)
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9. Apparatus adapted to process data selected from the group consisting of:
- (i) transaction-related data, (ii) personal data;
(iii) health care data, and (iv) equipment performance or diagnostics data, the apparatus comprising;an input apparatus adapted to receive said data from at least one source; and a computer apparatus operatively coupled to said input apparatus and adapted to; generate at least one electronic file comprising said data; process said at least one file to create a first indicator of at least the content of said at least one file at a first time; encrypt said first indicator to produce an encrypted indicator; combine said encrypted indicator and said at least one electronic file to form a data structure; store said data structure; and transmit said data structure from said apparatus to a point of sale device disposed at a seller'"'"'s premises. - View Dependent Claims (10, 12, 13, 14, 15, 16)
- (i) transaction-related data, (ii) personal data;
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17. A paper-less method of doing business, comprising:
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generating via a first entity at least one first data structure comprising business-related data; processing said at least one first data structure to create a first indicator of at least the content of said at least one first data structure at a first time; encrypting said first indicator to produce an encrypted indicator; combining said encrypted indicator and said at least one first data structure to form a second data structure; transmitting said second data structure to a second entity; authenticating and verifying said second data structure; placing a data transfer device in wired or wireless data communication with a device on which said data structure is resident, said data transfer device being adapted to store transaction specific data in encrypted form; and transferring said data structure to said data transfer device; wherein said act of transferring is performed substantially by a point-of-sale device disposed at a seller'"'"'s premises, and said data transfer device is adapted for data communication with said point-of-sale device; and wherein said authenticating and verifying obviate paper or other tangible records of said business-related data. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25)
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Specification