Apparatus and method for integrated payment and electronic merchandise transfer
First Claim
1. A computer-implemented method for integrated payment and electronic merchandise transfer via a payment infrastructure in association with an electronic merchandise infrastructure, comprising the steps of:
- facilitating interrogation of an electronic payment device by a first terminal to obtain financial data, said electronic payment device being configured according to the payment infrastructure, said first terminal having a first terminal payment module configured according to the payment infrastructure and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module, said interrogation of said electronic payment device being performed by said first terminal payment module;
facilitating generation of e-merchandise related information by said first terminal electronic merchandise module; and
facilitating transfer of said e-merchandise related information to said electronic payment device via said first terminal payment module, within a transaction conducted in accordance with said financial data and said payment infrastructure.
1 Assignment
0 Petitions
Accused Products
Abstract
Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.
121 Citations
33 Claims
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1. A computer-implemented method for integrated payment and electronic merchandise transfer via a payment infrastructure in association with an electronic merchandise infrastructure, comprising the steps of:
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facilitating interrogation of an electronic payment device by a first terminal to obtain financial data, said electronic payment device being configured according to the payment infrastructure, said first terminal having a first terminal payment module configured according to the payment infrastructure and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module, said interrogation of said electronic payment device being performed by said first terminal payment module;
facilitating generation of e-merchandise related information by said first terminal electronic merchandise module; and
facilitating transfer of said e-merchandise related information to said electronic payment device via said first terminal payment module, within a transaction conducted in accordance with said financial data and said payment infrastructure. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A terminal for integrated payment and electronic merchandise transfer via a payment infrastructure in association with an electronic merchandise infrastructure and in conjunction with an electronic payment device configured according to the payment infrastructure, said terminal comprising:
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a payment module configured according to the payment infrastructure and configured to interrogate the electronic payment device to obtain financial data; and
an electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said payment module, said electronic merchandise module being configured to facilitate processing of e-merchandise related information;
wherein said payment module is further configured to facilitate transfer of said e-merchandise related information to the electronic payment device, in a transaction conducted in accordance with said financial data and said payment infrastructure. - View Dependent Claims (22, 23, 24, 25)
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26. A computer program product comprising a computer useable medium including computer usable program code for integrated payment and electronic merchandise transfer via a payment infrastructure in association with an electronic merchandise infrastructure, said computer program product including:
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computer usable program code for facilitating interrogation of an electronic payment device by a first terminal to obtain financial data, said electronic payment device being configured according to the payment infrastructure, said first terminal having a first terminal payment module configured according to the payment infrastructure and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module, said interrogation of said electronic payment device being performed by said first terminal payment module;
computer usable program code for facilitating generation of e-merchandise related information by said first terminal electronic merchandise module; and
computer usable program code for facilitating transfer of said e-merchandise related information to said electronic payment device via said first terminal payment module, within a transaction conducted in accordance with said financial data and said payment infrastructure. - View Dependent Claims (27, 28)
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29. An electronic payment device for facilitating integrated payment and electronic merchandise transfer via a payment infrastructure in association with an electronic merchandise infrastructure, said electronic payment device being configured according to the payment infrastructure, said electronic payment device comprising:
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a memory; and
at least one processor coupled to said memory, said processor being operative to;
facilitate interrogation of said electronic payment device by a first terminal to obtain financial data, said first terminal having a first terminal payment module configured according to the payment infrastructure and a first terminal electronic merchandise module configured according to the electronic merchandise infrastructure and coupled to said first terminal payment module, said interrogation of said electronic payment device being performed by said first terminal payment module;
facilitating generation of e-merchandise related information by said first terminal electronic merchandise module; and
facilitating transfer of said e-merchandise related information to said electronic payment device via said first terminal payment module, within a transaction conducted in accordance with said financial data and said payment infrastructure. - View Dependent Claims (30, 31, 32, 33)
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Specification