Process and device for internet payments by means of security modules

Patent 6845367 Issued on January 18, 2005. Estimated Expiration Date:

December 21, 2020. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.

Abstract Claims Description Full Text

Patent References

Method of modifying the functions performed by a command set of a smart card
Patent #: 6058402
Issued on: 05/02/2000
Inventor: Feiken

IC card system and method for securing the system
Patent #: 6283369
Issued on: 09/04/2001
Inventor: Kurokawa, et al.

Method and apparatus for defining private currencies
Patent #: 6339765
Issued on: 01/15/2002
Inventor: Maher

Access control/crypto system Patent #: 6351813
Issued on: 02/26/2002
Inventor: Mooney, et al.

Inventors

Application

No. 09745984 filed on 12/21/2000

US Classes:

705/65, Including intelligent token (e.g., electronic purse)705/44, Requiring authorization or authentication705/64, Secure transaction (e.g., EFT/POS)705/67, Including authentication713/172, Intelligent token235/380, Credit or identification card systems235/492, Conductive708/144, User definable key705/41, Having programming of a portable memory device (e.g., IC card, "electronic purse")713/185, Using record or token705/23Input by product or record sensing (weighing, scanner processing)

Examiners

Primary: Trammell, James P.
Assistant: Worjloh, Jalatee

Attorney, Agent or Firm

Foreign Patent References

0924667 EP 06/01/1999
WO 9849658 WO 11/01/1998

International Classes

G06F 1760
G07F 1900
G07F 1900

Abstract

The present invention describes a device and a method for performing cashless payments between a customer and a dealer. The advantages of the present invention lie in that payments can be performed over the Internet without implementing special payments commands stored in the customer chip card. It is sufficient to use a normal chipcard with a file structure. Such a file structure can be used in different file system cards and does not depend on the chipcard's operating system. Therefore, the inventive method can be used in a variety of chipcards without implementing special payments commands. The protocol is designed such that per payment only three steps of communication are required.

Other References

Deng et al. “A New On-Line Cash Scheme”, 1997 ACM.*
Panurach, “Money in Electronic Commerce: Digital Cash, Electronic Fund Transfer, and Ecash”, 1996 ACM.