Advanced method and arrangement for performing electronic payment transactions
First Claim
1. A method for making a purchase and paying for it by means of an electronic device, in which method a creditor grants credit to a customer and when granting the credit to the customer, the creditor gives to the customer an electronic certificate, which is stored in the electronic device of the customer, the customer uses his electronic device in order to establish a connection with an automatic service or goods vending machine, when making a purchase in the automatic service or goods vending machine the customer utilizes the electronic sertificate contained in his electronic device and the authenticity of the certificate is verified in the vending machine prior to delivering the goods or service, whereafter the vending machine charges the creditor of the performed purchase.
3 Assignments
0 Petitions
Accused Products
Abstract
The invention relates to a method and arrangement for making electronic purchases. In the method according to the invention, a creditor (11) grants to a customer (10) a certificate provided with an electronic signature, and the customer stores said certificate in an electronic device (13). In connection with a purchase transaction, the customer produces the certificate to an automatic service or goods vending machine (14), which checks the certificate information. If the information is accepted, the desired purchase can be made, and the purchase information is saved in the memory of the vending machine (14). The separate purchase information stored in the vending machine memory is transferred in one batch to the data system (12) of the creditor organization (11), when a predetermined criterion is fulfilled.
62 Citations
48 Claims
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1. A method for making a purchase and paying for it by means of an electronic device, in which method
a creditor grants credit to a customer and when granting the credit to the customer, the creditor gives to the customer an electronic certificate, which is stored in the electronic device of the customer, the customer uses his electronic device in order to establish a connection with an automatic service or goods vending machine, when making a purchase in the automatic service or goods vending machine the customer utilizes the electronic sertificate contained in his electronic device and the authenticity of the certificate is verified in the vending machine prior to delivering the goods or service, whereafter the vending machine charges the creditor of the performed purchase.
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20. An arrangement for performing a purchase and respective payment by means of an electronic procedure, said arrangement comprising
an electronic device at the disposal of a customer, an automatic service or goods vending machine and a data system managed by the creditor, from which data system there can be established a data transmission connection both to the customer'"'"'s electronic device and to the automatic service and goods vending machine, where the data system is further arranged to grant customer-specific certificates, which are arranged to be transmitted, by means of a wireless data transmission connection, to an electronic device at the customer'"'"'s disposal, from which device the certificate is, in order to make a purchase and pay for it, arranged to be produced in an electronic purchase document for the automatic service or goods vending machine in order to accept the purchase.
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36. An electronic device operated in a wireless data transmission network, which electronic device comprises means for registering a certificate granted by a creditor and for using it as a verification of a payment connected to a purchase transaction.
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44. A software application provided in a data system of a creditor which software application comprises:
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means for receiving customer information, means for encrypting customer information, means for electronically signing customer information, and means for transmitting signed customer information to an electronic device at the customer'"'"'s disposal in order to enable purchases by the customer. - View Dependent Claims (46, 48)
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45. A software application provided in an electronic device at the disposal of a customer which software application comprises:
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means for receiving a certificate granted by a creditor, means for storing the received certificate in the electronic device, means for receiving an ID identification sent by an automatic service and goods vending machine, and means for integrating the certificate and the ID identification as part of a purchase document in order to make the purchase in the automatic service or goods vending machine.
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47. A software application provided in an automatic service or goods vending machine, which software application comprises:
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means for forming an ID identification, means for sending the ID identification in one of the following ways;
the WAP protocol, the xHTML protocol, or the Obex protocol,means for receiving a purchase document sent by an electronic device, means for checking the ID identification contained in the purchase document, means for verifying the authenticity of a certificate provided in the purchase document, means for checking and saving purchase information and means for transmitting the purchase information to a creditor when a predetermined criterion is fulfilled.
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Specification