US5952638A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Space efficient method of electronic payments
Assignee: Xerox Corp
•
Filing: 1996-11-25
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Granted: 1999-09-14
•
Expires: 2016-11-25
Abstract
Abstract A method of space efficient electronic payments. A customer initiates an electronic transaction by transmitting a request for payment information to a seller. In response, the customer receives from the seller the payment information needed to generate an electronic payment. The customer determines the reliability of the payment information by authenticating it. If the payment information is authenticated, then the customer generates an electronic payment using the payment information and a master key unknown to the seller. Finally, the customer transmits the electronic payment to the seller along with a request for desired goods and/or services.
Inventors
- 👤 Alan J. Demers
- 👤 Daniel H. Greene
- 👤 Bridget A. Spitznagel
- 👤 Roy Want
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-08 04:33
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/08; G06Q20/085; G06Q20/12; G06Q20/30; G06Q20/36; G06Q20/367
Claims Analysis
Total Claims: 25
Claim 1
Independent Claim
102 words
A space efficient method of electronic payments using a machine having a memory, the memory storing a master key, the master key being unknown to a seller, the method comprising: a) transmitting a request for payment information to the seller; b) receiving from the seller the payment information; the payment information including a value of a payment index and an initializing payment; c) authenticating the payment information received from the seller; d) if the payment information is authenticated, generating an electronic payment using the master key and the payment information; and e) transmitting to the seller a request and the electronic payment.
Claim 2
Dependent Claim
102 words
A space efficient method of electronic payments using a machine having a memory, the memory storing a master key, the master key being unknown to a seller, the method comprising: a) transmitting a request for payment information to the seller; b) receiving from the seller the payment information; the payment information including a value of a payment index and an initializing payment; c) authenticating the payment information received from the seller; d) if the payment information is authenticated, generating an electronic payment using the master key and the payment information; and e) transmitting to the seller a request and the electronic payment.
Claim 3
Dependent Claim
37 words
The method of claim 1 wherein the payment information received from the seller further comprises a first hash of a first string including a first value of a conversation key and the value of the payment index.
Claim 4
Dependent Claim
58 words
The method claim 2 wherein authenticating the payment information received from the seller comprises: determining a second value for the conversation key using the master key; generating a second hash of a second string including the value of the payment index and the second value of the conversation key; and comparing the second hash to the first hash.
Claim 5
Dependent Claim
36 words
The method of claim 3 wherein generating the electronic payment further comprises iteratively hashing a third string including the value of the payment index and the master key to generate a chain of k electronic payments.
Claim 6
Dependent Claim
13 words
The method of claim 2 wherein the first string includes the initializing payment.
Claim 7
Dependent Claim
14 words
The method of claim 1 wherein the payment information further comprises an epoch index.
Claim 8
Dependent Claim
20 words
The method of claim 1 wherein generating the electronic payment further includes generating a verifier for a second electronic payment.
Claim 9
Dependent Claim
75 words
The method of claim 1 wherein the payment information includes a first value of a conversation key, wherein the payment information is encrypted, and wherein authenticating the payment information received from the seller comprises: determining a second value for the conversation key using the master key; decrypting the payment information using the second value of the conversation key; and comparing the second value of the conversation key to the first value of the conversation key.
Claim 10
Dependent Claim
119 words
An article of manufacture for use in a machine comprising: a) a memory; b) instructions stored in the memory for a space efficient method of electronic payments for use in conjunction with a master key, the master key being unknown to a seller, the instructions being machine readable, the method comprising: 1) transmitting a request for payment information to the seller; 2) receiving from the seller the payment information; the payment information including an initializing payment and a value of a payment index; 3) authenticating the payment information; 4) if the payment information is authenticated, generating an electronic payment using the master key and the payment information; and 5) transmitting to the seller a request and the electronic payment.
Claim 11
Dependent Claim
119 words
An article of manufacture for use in a machine comprising: a) a memory; b) instructions stored in the memory for a space efficient method of electronic payments for use in conjunction with a master key, the master key being unknown to a seller, the instructions being machine readable, the method comprising: 1) transmitting a request for payment information to the seller; 2) receiving from the seller the payment information; the payment information including an initializing payment and a value of a payment index; 3) authenticating the payment information; 4) if the payment information is authenticated, generating an electronic payment using the master key and the payment information; and 5) transmitting to the seller a request and the electronic payment.
Claim 12
Dependent Claim
35 words
The article of manufacture of claim 9 wherein the payment information further comprises a first hash of a first string including the value of the payment index and a first value of a conversation key.
Claim 13
Dependent Claim
60 words
The article of manufacture of claim 10 wherein the instruction of authenticating the payment information comprises: determining a second value for the conversation key using the master key; generating a second hash of a second string including the value of the payment index and the second value of the conversation key; and comparing the second hash to the first hash.
Claim 14
Dependent Claim
41 words
The article of manufacture of claim 11 wherein the instruction of generating an electronic payment further comprises iteratively hashing a third string including the value of the payment index and the master key to generate a chain of k electronic payments.
Claim 15
Dependent Claim
25 words
The article of manufacture of claim 10 wherein the instruction of generating an electronic payment further includes generating a verifier for a second electronic payment.
Claim 16
Dependent Claim
15 words
The article of manufacture of claim 10 wherein the first string includes the initializing payment.
Claim 17
Dependent Claim
77 words
The article of manufacture of claim 10 wherein the payment information further comprises a first value of a conversation key, wherein the payment information is encrypted and wherein the instruction of authenticating the payment information comprises: determining a second value for the conversation key using the master key; decrypting the payment information using the second value of the conversation key; and comparing the second value of the conversation key to the first value of the conversation key.
Claim 18
Dependent Claim
20 words
The article of manufacture of claim 9 wherein the instruction of receiving payment information further comprises receiving an epoch index.
Claim 19
Independent Claim
135 words
An apparatus for space efficient electronic payments comprising: a) a transmitter/receiver for communicating with other machines; b) a processor coupled to the transmitter/receiver; and c) a memory coupled to the processor storing instructions executable by the processor, the instructions implementing a space efficient method of electronic payments for use in conjunction with a master key, the master key being private to the customer, the instructions comprising: 1) transmitting a request for payment information to a seller; 2) receiving from the seller the payment information; the payment information including an initializing payment and a payment index: 3) authenticating the payment information; 4) if the payment information received from the seller is authenticated, generating an electronic payment using the master key and the payment information; and 5) transmitting to the seller a request and the electronic payment.
Claim 20
Independent Claim
135 words
An apparatus for space efficient electronic payments comprising: a) a transmitter/receiver for communicating with other machines; b) a processor coupled to the transmitter/receiver; and c) a memory coupled to the processor storing instructions executable by the processor, the instructions implementing a space efficient method of electronic payments for use in conjunction with a master key, the master key being private to the customer, the instructions comprising: 1) transmitting a request for payment information to a seller; 2) receiving from the seller the payment information; the payment information including an initializing payment and a payment index: 3) authenticating the payment information; 4) if the payment information received from the seller is authenticated, generating an electronic payment using the master key and the payment information; and 5) transmitting to the seller a request and the electronic payment.
Claim 21
Dependent Claim
38 words
The apparatus of claim 17 wherein the payment information received from the seller further comprises a first hash of a first string that includes the value of the payment index and a first value of a conversation key.
Claim 22
Dependent Claim
62 words
The apparatus of claim 18 wherein the instruction of authenticating the payment information received from the seller comprises: determining a second value for the conversation key using the master key; generating a second hash using a second string including the value of the payment index and the second value of the conversation key; and comparing the second hash to the first hash.
Claim 23
Dependent Claim
39 words
The apparatus of claim 19 wherein the instruction of generating an electronic payment further comprises iteratively hashing a third string including the value of the payment index and the master key to generate a chain of k electronic payments.
Claim 24
Dependent Claim
19 words
The apparatus of claim 17 wherein the instruction of receiving the payment information further comprises receiving an epoch index.
Claim 25
Dependent Claim
23 words
The apparatus of claim 17 wherein the instruction of generating an electronic payment further includes generating a verifier for a second electronic payment.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2002-09-13 | 2003-03-15 | 2003-09-14 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2006-09-13 | 2007-03-15 | 2007-09-14 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2010-09-13 | 2011-03-15 | 2011-09-14 | $7700.00 | Window Closed / Lapsed |