AU2811199A - An apparatus for conducting a secure electronic transaction - Google Patents

An apparatus for conducting a secure electronic transaction Download PDF

Info

Publication number
AU2811199A
AU2811199A AU28111/99A AU2811199A AU2811199A AU 2811199 A AU2811199 A AU 2811199A AU 28111/99 A AU28111/99 A AU 28111/99A AU 2811199 A AU2811199 A AU 2811199A AU 2811199 A AU2811199 A AU 2811199A
Authority
AU
Australia
Prior art keywords
server
client
encryption key
communications link
information
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
AU28111/99A
Other versions
AU758892B2 (en
Inventor
Robert Jeffries Chatfield
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.)
Advent Television Ltd
Original Assignee
Advent Television Ltd
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 Advent Television Ltd filed Critical Advent Television Ltd
Publication of AU2811199A publication Critical patent/AU2811199A/en
Application granted granted Critical
Publication of AU758892B2 publication Critical patent/AU758892B2/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction

Description

P/00/011 Regulation 3.2
AUSTRALIA
PATENTS ACT 1990 COMPLETE SPECIFICATION FOR A STANDARD PATENT Name of Applicant: Address of Applicant: Actual Inventor: Address for Service: ADVENT TELEVISION LTD 510 Thomson Road #12-04 SLF Building Singapore 298135 Robert Jefferies CHATFIELD Griffith Hack, Attorneys, 6th Perth, Western Patent and Trade Mark Floor, 256 Adelaide Terrace, Australia, 6000.
Standard Complete Specification for the invention entitled: AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION Details of Parent Application for Divisional Applications: Singapore Patent Application No. 9801578-7 dated 2 July 1998 The following is a full description of this invention, including the best method of performing It known to me:- -la
TITLE
An Apparatus For Conducting A Secure Electronic Transaction.
FIELD OF THE INVENTION This invention relates to an apparatus for conducting a secure electronic transaction, and to a method of performing an electronic transaction.
BACKGROUND ART The increasing popularity of the Internet has seen the emergence of electronic commerce. The rate of acceptance of electronic commerce has been much slower than the growth rate of the Internet itself, primarily because of consumer concerns regarding security and a lack of awareness of where products may be purchased.
SUMMARY OF THE INVENTION In accordance with a first aspect of this invention, there is provided an apparatus for conducting a secure electronic transaction, comprising: a server including a secure data area in which data regarding vendible products and services are stored, said server being connected to a broadcast network and arranged to .broadcast information regarding said vendible products and services, said information including at least some of said data, and a unique identification for Soeach vendible product and service; at least one client arranged to receive said information via the broadcast network, each client including means for establishing a return communications link with the server and means for temporarily securing a communications link with the server for the communication of financial information regarding a transaction therewith; said server being arranged to forward said financial information to a financial institution by a secure communications link whereupon said financial institution conducts the financial transaction.
-2- Preferably, the means for temporarily securing a communications link with the server comprises an exchange of public encryption keys between the client and the server.
In one arrangement, the server broadcasts a first public encryption key with the information regarding each product and service, the client being arranged to encrypt a second encryption key using the first encryption key and communicate said encrypted second encryption key to the server, the server being arranged to decrypt and recover said second encryption key for use in communicating with the client.
In an alternative arrangement, the server receives a first public encryption key from the client and is arranged to broadcast a second encryption key to the client using the broadcast network.
In this alternative arrangement, it is preferred that the server is arranged to encrypt the second encryption key using the first encryption key, and the client is arranged to decrypt and recover said second encryption key for use in communicating with the server.
oooo° Preferably, said broadcast network is wireless.
o• Preferably, the broadcast network forms part of a digital television broadcast e •network.
20 Preferably, said unique identification is generated from a pseudo-random sequence.
Preferably, a seed for the pseudo-random sequence is provided by said financial institution.
Preferably, said return communications link is a telephone line.
-3- Preferably, said data regarding vendible products and services includes data regarding the vendor of said products and services, said server being arranged to communicate information regarding said vendor to said financial institution.
Preferably, said server is arranged to continuously broadcast information regarding said vendible products and services.
Preferably, said client comprises a portable or mobile computer.
Preferably, said computer includes a digital television receiver.
Preferably, said computer includes a card reader arranged to read a public encryption key from a card in said card reader.
Preferably, the server is arranged to create a receipt and an audit trail using the inforrhiation received from the client and data stored in the secure data area regarding the vendor and the product or service, and the unique identification associated with the transaction.
In accordance with a second aspect of this invention, there is provided a method for conducting a secure electronic transaction, comprising the steps of: using a broadcast network to broadcast information regarding vendible products and services, said information including for each vendible product and service a unique identification; establishing a temporarily secure communications link; and using said temporarily secure communications link to communicate financial 20 information regarding the transaction; and forwarding said financial information to a financial institution via a secure communications link.
Preferably, the step of establishing a temporarily secure communications link Sa comprises the step of exchanging public encryption keys.
DETAILED DESCRIPTION OF THE EMBODIMENT The embodiment is directed towards an apparatus for conducting a secure electronic transaction. The apparatus includes a server having a secure data area. In the secure data area, data structures referred to as "proposers" of transactions are stored. Each proposer data structure includes the following data: description of the product or service, pricing data, availability and delivery data, and financial data on the vendor, such as details of the bank account to deposit funds from transactions. Each proposer may also include multimedia data containing advertising information, such as images, sounds and the like. A proposer data structure exists for each product or service.
The server is connected to a digital television broadcast network and is arranged to continuously broadcast descriptive information on the products and services contained in the proposer data structures. The information broadcast by the server regarding each product or service includes the description of the product or service, pricing data, availability and delivery data, and multimedia data (if any) from the proposer data structure, and a unique identification code generated from a pseudo-random sequence.
The broadcast information can be received anywhere within the broadcast area, thereby avoiding the need to forward information on each product and service to each client separately.
20 Within the broadcast area, a client receives the information regarding the *proposers by the broadcast information. The client includes a processing means in the form of a computer having a digital television receiving card provided .therein. The computer receives the broadcast information and displays the same to a user. Thus, the user can view the products and services at his or her S: 25 leisure.
When the user wishes to conduct a transaction in relation to one or more products or services, the computer establishes a return communications link with the server. In this regard, since the broadcast network is a transmit only system, a return communications link is required for communications from the client to the server. In the embodiment, the return communications link takes the form of a telephone line. The computer establishes a communications link with the server via the telephone line and transmits the unique identification code of each good or service in which the user is interested. The computer also transmits the client's public encryption key for the purposes of establishing a secure communications link. The server receives the information via the return communications link. The server then communicates the server's public encryption key to the client via the broadcast network.
Information regarding the transaction is then exchanged between the client and the server using the broadcast network as the forward communications link between the server and the client and the telephone line as the return communications link between the client and the server. The public encryption keys which have been exchanged by the client and server are used for the purposes of establishing a temporarily secure connection. Information exchanged includes the quantity of each product and service desired to be purchased by the user and the user's financial information, such as credit card details and so forth.
o.s Upon receipt of the information from the client, the server forwards financial information regarding the transactions to a financial institution via a secure S. communications link. In this regard, the financial information includes the user's o 20 financial information such as the credit card details, and also includes the vendors financial information obtained from the corresponding proposer data structure. The financial transfer is effected by the financial institution.
Once confirmation has been received from the financial institution that the transaction has been successfully completed, a receipt is generated and 25 forwarded to the user via the broadcast network using the encryption key.
The server further creates an audit trail using the financial information received from the user, the financial information stored in each proposer the subject of the transaction and the unique identification associated with each product and service. The audit trial is stored within the secure data area.
-6- It should be appreciated that this invention is not limited to the particular embodiment described above.
4 44e*4* .4 *4 4* .4 4 4 4 444 4. 4 4 4* 44 444444 4 4

Claims (14)

1. An apparatus for conducting a secure electronic transaction, comprising: a server including a secure data area in which data regarding vendible products and services are stored, said server being connected to a broadcast network and arranged to broadcast information regarding said vendible products and services, said information including at least some of said data, and a unique identification for each vendible product and service; at least one client arranged to receive said information via the broadcast network, each client including means for establishing a return communications link with the server and means for temporarily securing a communications link with the server for the communication of financial information regarding a transaction therewith; said server being arranged to forward said financial information to a financial institution by a secure communications link whereupon said financial institution conducts the financial transaction.
2. An apparatus as claimed in claim 1, wherein the means for temporarily securing a communications link with the server comprises an exchange of '"*public encryption keys between the client and the server. 3 An apparatus as claimed in claim 2, wherein the server broadcasts a first public encryption key with the information regarding each product and service, 20 the client being arranged to encrypt a second encryption key using the first encryption key and communicate said encrypted second encryption key to the server, the server being arranged to decrypt and recover said second encryption key for use in communicating with the client.
4. An apparatus as claimed in claim 2, wherein the server receives a first public encryption key from the client and is arranged to broadcast a second encryption key to the client using the broadcast network. An apparatus as claimed in claim 4, wherein the server is arranged to encrypt the second encryption key using the first encryption key, and the client is -8- arranged to decrypt and recover said second encryption key for use in communicating with the server.
6. An apparatus as claimed in any one of the preceding claims, wherein said broadcast network is wireless.
7. An apparatus as claimed in any one of the preceding claims, wherein the broadcast network forms part of a digital television broadcast network.
8. An apparatus as claimed in any one of the preceding claims, wherein said unique identification is generated from a pseudo-random sequence.
9. An apparatus as claimed in claim 8, wherein a seed for the pseudo-random sequence is provided by said financial institution. apparatus as claimed in any one of the preceding claims, wherein said return communications link is a telephone line.
11.An apparatus as claimed in any one of the preceding claims, wherein said data regarding vendible products and services includes data regarding the ooo vendor of said products and services, said server being arranged to S communicate information regarding said vendor to said financial institution.
12.An apparatus as claimed in any one of the preceding claims, wherein said server is arranged to continuously broadcast information regarding said vendible products and services.
13.An apparatus as claimed in any one of the preceding claims, wherein said client comprises a computer. 0000.. 0b
14.An apparatus as claimed in claim 13, wherein said computer includes a digital television receiver. -9- apparatus as claimed in claim 13 or 14, wherein said computer includes a card reader arranged to read a public encryption key from a card in said card reader.
16.An apparatus as claimed in any one of the preceding claims, wherein the server is arranged to create a receipt and an audit trail using the information received from the client and data stored in the secure data area regarding the vendor and the product or service, and the unique identification associated with the transaction.
17.A method for conducting a secure electronic transaction, comprising the steps of: using a broadcast network to broadcast information regarding vendible products and services, said information including for each vendible product and service a unique identification; establishing a temporarily secure communications link; and using said temporarily secure communications link to communicate financial information regarding the transaction; and forwarding said financial information to a financial institution via a secure communications link.
18.A method as claimed in claim 17, wherein the step of establishing a temporarily secure communications link comprises the step of exchanging public encryption keys. Dated this 12th day of May 1999 ADVENT TELEVISION LTD By Its Patent Attorneys GRIFFITH HACK Fellows Institute of Patent and Trade Mark S :Attorneys of Australia eee*ea
AU28111/99A 1998-07-02 1999-05-12 An apparatus for conducting a secure electronic transaction Ceased AU758892B2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG9801578 1998-07-02
SG9801578A SG65768A1 (en) 1998-07-02 1998-07-02 An apparatus for conducting a secure electronic transaction

Publications (2)

Publication Number Publication Date
AU2811199A true AU2811199A (en) 2000-01-20
AU758892B2 AU758892B2 (en) 2003-04-03

Family

ID=20430037

Family Applications (1)

Application Number Title Priority Date Filing Date
AU28111/99A Ceased AU758892B2 (en) 1998-07-02 1999-05-12 An apparatus for conducting a secure electronic transaction

Country Status (3)

Country Link
AU (1) AU758892B2 (en)
GB (1) GB2339949B (en)
SG (1) SG65768A1 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7430537B2 (en) 2000-07-10 2008-09-30 Paypal, Inc. System and method for verifying a financial instrument
US7810134B2 (en) 2007-01-22 2010-10-05 First Data Corporation Authentication system for financial transactions
US8024260B1 (en) 1999-06-10 2011-09-20 Paypal Inc. Method for transmitting a code
US11055758B2 (en) 2014-09-30 2021-07-06 Ebay Inc. Garment size mapping
US11100564B2 (en) 2013-12-27 2021-08-24 Ebay Inc. Regional item recommendations
US11145118B2 (en) 2013-11-14 2021-10-12 Ebay Inc. Extraction of body dimensions from planar garment photographs of fitting garments

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2360866A (en) * 2000-03-28 2001-10-03 Cashthrough Com Internat Ltd Online payment method

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU656542B2 (en) * 1990-10-01 1995-02-09 Thomas A. Bush Transactional processing system
JP3367675B2 (en) * 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド Open network sales system and method for real-time approval of transaction transactions
US5880769A (en) * 1994-01-19 1999-03-09 Smarttv Co. Interactive smart card system for integrating the provision of remote and local services
DE19507091A1 (en) * 1994-03-02 1995-09-14 Metz Werke Gmbh & Co Kg Information exchange method for TV advertiser and viewer
US5717989A (en) * 1994-10-13 1998-02-10 Full Service Trade System Ltd. Full service trade system
JP3133243B2 (en) * 1995-12-15 2001-02-05 株式会社エヌケーインベストメント Online shopping system
US5729594A (en) * 1996-06-07 1998-03-17 Klingman; Edwin E. On-line secured financial transaction system through electronic media
WO1997049055A1 (en) * 1996-06-17 1997-12-24 Verifone, Inc. A system, method and article of manufacture for a virtual point of sale processing utilizing a multichannel, extensible, flexible architecture
US5825881A (en) * 1996-06-28 1998-10-20 Allsoft Distributing Inc. Public network merchandising system

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8024260B1 (en) 1999-06-10 2011-09-20 Paypal Inc. Method for transmitting a code
US8301556B2 (en) 1999-06-10 2012-10-30 Paypal Inc. Method for transmitting a code
US7430537B2 (en) 2000-07-10 2008-09-30 Paypal, Inc. System and method for verifying a financial instrument
US8296204B2 (en) 2000-07-10 2012-10-23 Paypal Inc. System and method for reducing RIKS associated with accepting a financial instrument
US8370259B2 (en) 2000-07-10 2013-02-05 Ebay, Inc. Verifying the source of electronically exchanged value
US8417637B2 (en) 2000-07-10 2013-04-09 Paypal Inc. Approving the use of the source of funds
US8515871B2 (en) 2000-07-10 2013-08-20 Paypal Inc. Authorizing use of a financial instrument
US7810134B2 (en) 2007-01-22 2010-10-05 First Data Corporation Authentication system for financial transactions
US11145118B2 (en) 2013-11-14 2021-10-12 Ebay Inc. Extraction of body dimensions from planar garment photographs of fitting garments
US11100564B2 (en) 2013-12-27 2021-08-24 Ebay Inc. Regional item recommendations
US11055758B2 (en) 2014-09-30 2021-07-06 Ebay Inc. Garment size mapping
US11734740B2 (en) 2014-09-30 2023-08-22 Ebay Inc. Garment size mapping

Also Published As

Publication number Publication date
GB2339949A (en) 2000-02-09
GB2339949B (en) 2002-09-25
GB9912414D0 (en) 1999-07-28
SG65768A1 (en) 2005-10-28
AU758892B2 (en) 2003-04-03

Similar Documents

Publication Publication Date Title
US7181431B2 (en) Interactive information services system and associated method for facilitating purchasing transactions
US6363364B1 (en) Interactive system for and method of performing financial transactions from a user base
US7376629B1 (en) Method of and system for effecting anonymous credit card purchases over the internet
EP1344195B1 (en) Match control method
US20030236872A1 (en) Method and system for enabling electronic transactions via a personal device
EP1400906A1 (en) Electronic commercial transaction support method
CN101772776A (en) Financial transaction system having location-based fraud-protection
US20050182714A1 (en) Wireless communications network for performing financial transactions
JPH11503587A (en) An interactive smart card system that integrates the provision of remote and local services
JP2003521078A (en) Payment device and method for secure payment
EP1410658A2 (en) A method and a system for obtaining services using a cellular telecommunication system
US20060031129A1 (en) Apparatus and method for processing transaction information
JP2002269425A (en) Electronic coupon method, electronic coupon system, sales server, orderer terminal, order receiver terminal and program
AU758892B2 (en) An apparatus for conducting a secure electronic transaction
WO2002021767A1 (en) Virtual payment card
US7814018B1 (en) Charge number issuing and transaction system and method
CN100501780C (en) Method for real time selling ticket using network
US20040073509A1 (en) Network communication electronic commerce system
KR100628563B1 (en) Method for electronic commerce using opencable
US7644045B2 (en) Method and apparatus for buyer identification
Al-Ani Next Generation Digital Commerce Technologies.
KR20220037314A (en) System for earning points
JP2002133339A (en) Bi-directional authentication device, terminal adaptor, and accident managing device
KR20000030570A (en) e-Commerce Business Model Using Mobile Phone, Transaction Matching Server and Electronic Commodity Dispenser
WO2002023441A1 (en) A transaction system and method using cash cards and a charge settlement network

Legal Events

Date Code Title Description
FGA Letters patent sealed or granted (standard patent)