CA2229012A1 - System and method for commercial payments using trusted agents - Google Patents

System and method for commercial payments using trusted agents

Info

Publication number
CA2229012A1
CA2229012A1 CA002229012A CA2229012A CA2229012A1 CA 2229012 A1 CA2229012 A1 CA 2229012A1 CA 002229012 A CA002229012 A CA 002229012A CA 2229012 A CA2229012 A CA 2229012A CA 2229012 A1 CA2229012 A1 CA 2229012A1
Authority
CA
Canada
Prior art keywords
trusted agent
money
customer
money module
merchant
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002229012A
Other languages
French (fr)
Other versions
CA2229012C (en
Inventor
Sholom S. Rosen
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Citibank NA
Original Assignee
Citibank, N.A.
Sholom S. Rosen
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citibank, N.A., Sholom S. Rosen filed Critical Citibank, N.A.
Publication of CA2229012A1 publication Critical patent/CA2229012A1/en
Application granted granted Critical
Publication of CA2229012C publication Critical patent/CA2229012C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication

Abstract

A system for electronic commercial payment is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that establishes a first cryptographically secure session with the customer trusted agent and associated with a second money module. Where the money modules establish a second crytographically secure session. The customer trusted agent provides remittance advice information to the merchant trusted agent, and the merchant trusted agent provides a commercial payment ticket to the customer trusted agent. Upon receiving said commercial payment ticket, the customer trusted agent initiates a transfer of electronic money from the first money module to the second money module.
CA002229012A 1995-08-30 1996-03-22 System and method for commercial payments using trusted agents Expired - Fee Related CA2229012C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US08/521,262 1995-08-30
US08/521,262 US5671280A (en) 1995-08-30 1995-08-30 System and method for commercial payments using trusted agents
PCT/US1996/003824 WO1997008665A1 (en) 1995-08-30 1996-03-22 System and method for commercial payments using trusted agents

Publications (2)

Publication Number Publication Date
CA2229012A1 true CA2229012A1 (en) 1997-03-06
CA2229012C CA2229012C (en) 2002-05-28

Family

ID=24076052

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002229012A Expired - Fee Related CA2229012C (en) 1995-08-30 1996-03-22 System and method for commercial payments using trusted agents

Country Status (17)

Country Link
US (1) US5671280A (en)
EP (2) EP0886839B1 (en)
JP (1) JP3390017B2 (en)
KR (1) KR100329802B1 (en)
AT (1) ATE197099T1 (en)
CA (1) CA2229012C (en)
DE (1) DE69610719T2 (en)
DK (1) DK0886839T3 (en)
ES (1) ES2151157T3 (en)
HK (1) HK1015497A1 (en)
HU (1) HU218134B (en)
MX (1) MX9801523A (en)
NZ (1) NZ306096A (en)
PL (1) PL180151B1 (en)
PT (1) PT886839E (en)
RU (1) RU2145437C1 (en)
WO (1) WO1997008665A1 (en)

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US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
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US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
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