EP0791901A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Network transaction system
Assignee: Card Call Service Co Ltd
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Filing: 1997-02-21
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Granted: —
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Expires: 2017-02-21
Abstract
Abstract When a card holder who owns a payment card purchases merchandise from a seller via online communications through a network, he transmits order data relative to the purchase to the seller, that order data including parts relevant to respective ones of parties other than the card holder, e.g. the seller, a card manager, and a delivery service company, and which parts are encrypted by the terminal of the card holder using respective common cryptokeys which are effective only between the card holder and the respective other parties. The data is transmitted through the terminal of the seller to the terminals of the other parties. The other parties, on receipt of the transmitted data, decrypt that part of the data relevant to them using the relevant common cryptokeys. <IMAGE>
Inventors
- 👤 Yoshimi Baba
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-02 03:44
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/02; G06Q20/04; G06Q20/08; G06Q20/12; G06Q20/38; G06Q20/382; G06Q20/3823; G06Q30/00; G06Q30/06; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1016
Claims Analysis
Total Claims: 12
Claim 1
Independent Claim
229 words
A system for conducting transactions via online communications on a network between terminals of parties including a card holder having a data card, a card manager for managing transactions performed using such a data card and a third party, the card holder terminal comprising: means for encrypting with a first cryptokey, common to the card holder terminal and the card manager terminal, a first part of the data produced when a card holder terminal initiates a transaction using the data card; means for encrypting with a second cryptokey, common to the card holder terminal and the third party terminal, a second part of said data; and means for transmitting said data, including the encrypted first and second parts, onto the network; the card manager terminal comprising: means for receiving and decrypting the first part of said data using the first cryptokey; and means for authorising the transaction by transmitting an authentication of the card holder to the third party terminal based on the decrypted, first part of the data; and the third party terminal comprising: means for receiving and decrypting the second part of said data using the second cryptokey; and means for allowing the transaction between the card holder terminal and the third party terminal to proceed based on the decrypted, second part of the data when card holder authentication has been received from the card manager terminal.
Claim 2
Dependent Claim
54 words
A system according to claim 1, wherein the third party terminal is operable to receive said data and to retransmit at least the encrypted first part of said data to the card manager terminal so that the card manager terminal will receive the encrypted first part of said data via the third party terminal.
Claim 3
Dependent Claim
267 words
An electric commerce system for conducting commercial transactions via online communications on a network between terminals of parties including at least a seller, a card holder who uses a payment card to purchase merchandise from the seller, and a card manager for managing payments made by the payment card, comprising: means in the terminal of the card holder, for encrypting partial data with respect to the parties other than the card holder with common cryptokeys which are effective only between the card holder and the parties other than the card holder, among order data produced when said card holder purchases merchandise from said seller using the payment card, and then transmitting encrypted order data including the encrypted partial data through the terminal of the seller to the parties other than the card holder; means in the terminals of the parties other than the card holder, for decrypting only the encrypted partial data with respect to the parties other than the card holder, among said encrypted order data, using the respective common cryptokeys; means in the terminal of the card manager, for allowing commercial transactions, including issuance of an authentication of said card holder to the seller, to be made with respect to said card manager, based on the partial data decrypted by the terminal of said card manager; and means in the terminal of the seller, for allowlng commercial transactions, including delivery of the merchandise, to be made with respect to said seller, based on the partial data decrypted by the terminal of said seller and the authentication of said card holder issued from said card manager.
Claim 4
Dependent Claim
102 words
An electronic commerce system according to claim 3, wherein said order data include data of a destination of delivery of the merchandise, and said parties include a delivery service company, said data of the destination being encrypted using only a common cryptokey which is effective only between the card holder and said delivery service company, further comprising: means in a terminal of the delivery service company, for allowing the delivery service company to deliver the merchandise based on the partial data, including the data of the destination, decrypted by the terminal of the delivery service company and instructions given from said seller.
Claim 5
Dependent Claim
56 words
An electronic commerce system according to claim 3 or 4, wherein said order data include data of a card number and expiration date of the payment card, and said data of the card number and expiration date are encrypted using only the colmnon cryptokey which is effective only between the card holder and said card manager.
Claim 6
Dependent Claim
130 words
An electronic commerce system according to claim 3, 4 or 5, further comprising: means in the terminal of the card holder, for entering identifiers which are public and peculiar respectively to the parties other than the card holder into a secret private key peculiar to the card holder to generate said common cryptokeys which are effective only between the card holder and the parties other than the card holder; and means in the terminals of the parties other than the card holder, for entering an identifier which is public and peculiar to the card holder into respective secret private keys peculiar to the parties other than the card holder to generate said common cryptokeys which are effective only between the card holder and the parties other than the card holder.
Claim 7
Dependent Claim
46 words
An electronic commerce system according to claim 3, 4, 5 or 6, wherein each of said parties communicates with other parties to which the encrypted order data are to be transmitted prior to the transmission of the encrypted order data for thereby confirming the other parties.
Claim 8
Dependent Claim
15 words
The card holder terminal of the system of any one of claims 1 to 7.
Claim 9
Dependent Claim
15 words
The card manager terminal of the system of any one of claims 1 to 7.
Claim 10
Dependent Claim
24 words
The third party terminal of the system of claim 1 or 2, or the seller terminal of any one of claims 3 to 7.
Claim 11
Independent Claim
244 words
A method of conducting transactions via online communications on a network between terminals of parties including a card holder having a data card, a card manager for managing transactions performed using such a data card and a third party, the method comprising: encryption by the card holder terminal with a first cryptokey, common to the card holder terminal and the card manager terminal, of a first part of data produced when a card holder terminal initiates a transaction using the data card; encryption by the card holder terminal with a second cryptokey, common to the card holder terminal and the third party terminal, of a second part of said data; transmission onto the network by the card holder terminal of the encrypted first part of said data for use by the card manager terminal and the encrypted second part of said data for use by the third party terminal; decryption by the card manager terminal of the first part of said data using the first cryptokey; transmission of an authorization of the card holder by the card manager terminal to the third party, the authorization being given based on the decrypted, first part of the data; decryption by the third party terminal of the second part of said data using the second cryptokey; allowing the transaction between the card holder terminal and the third party terminal to proceed based on the decrypted, second part of the data when card holder authentication has been received.
Claim 12
Dependent Claim
33 words
A method according to claim 11, wherein the transmission by the card holder terminal of the encrypted first part of said data to the card manager terminal is via the third party terminal.
References Cited (Backward Citations)
No citation records indexed.
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