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Multi-way transactions related data exchange apparatus and methods

  • US 7,814,024 B2
  • Filed: 05/13/2005
  • Issued: 10/12/2010
  • Est. Priority Date: 05/14/2004
  • Status: Active Grant
First Claim
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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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