System for transaction over communication network

Claim 1

A method for conducting transaction between first user and a remote second user interlinked through a communication network by utilizing also a clearing office interlinked to said network: the clearing office storing at least user privileged information; the method comprising: (a) the user and the clearing office establishing a cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data; (b) the clearing office activating transaction validity checking procedure by utilizing at least said user privileged information or portion thereof and said transaction specific data or portion thereof; (c) in response to affirmative result of said transaction validity checking, the clearing office producing at least a transaction validity indication that is not being indicative of said first user privileged information; the clearing office and said first user establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication; (d) the first user receiving, via said session, the transaction validity indication; the first user and the second user establishing a communication session and the first user transmitting, via said session, at least said transaction validity indication; (e) the second user and the clearing office establishing cryptographic secured session and the second user transmitting, via said session, at least said transaction validity indication; (f) the clearing office applying a second checking procedure, and in case of affirmative result sending at least an acknowledgement to the second user, whereby the first user privileged information is not accessible to the second user.

Claim 2

A method for conducting transaction between first user and a remote second user interlinked through a communication network by utilizing also a clearing office interlinked to said network: the clearing office storing at least user privileged information; the method comprising: (a) the user and the clearing office establishing a cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data; (b) the clearing office activating transaction validity checking procedure by utilizing at least said user privileged information or portion thereof and said transaction specific data or portion thereof; (c) in response to affirmative result of said transaction validity checking, the clearing office producing at least a transaction validity indication that is not being indicative of said first user privileged information; the clearing office and said first user establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication; (d) the first user receiving, via said session, the transaction validity indication; the first user and the second user establishing a communication session and the first user transmitting, via said session, at least said transaction validity indication; (e) the second user and the clearing office establishing cryptographic secured session and the second user transmitting, via said session, at least said transaction validity indication; (f) the clearing office applying a second checking procedure, and in case of affirmative result sending at least an acknowledgement to the second user, whereby the first user privileged information is not accessible to the second user.

Claim 14

A system for conducting a transaction over a communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; the user system and the clearing office system being operative to establish a cryptographic secured session, the user transmitting, via said session, at least user privileged information, and transaction specific data; the clearing office system being operative to activate transaction validity checking procedure by utilizing at least said user privileged information or portion thereof, and said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being operative to produce at least a transaction validity indication that is not being indicative of said first user privileged information; the clearing office system and said first user system being operative to establish a communication session and the clearing office system being operative to transmit, via said session, at least said transaction validity indication; the first user system being operative to receive, via said session, the transaction validity indication; the first user system and the second user system being operative to establish a communication session and the first user system being operative to transmit, via said session, at least said transaction validity indication; the second user system and the clearing office system being operative to establish cryptographic secured session and the second user system being operative to transmit, via said session, at least said transaction validity indication; the clearing office being operative to apply a second checking procedure, and in the case of affirmative result, sending at least an acknowledgement to the second user system, whereby the first user privileged information is not accessible to the second user system.

Claim 15

A system for conducting a transaction over a communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; the user system and the clearing office system being operative to establish a cryptographic secured session, the user transmitting, via said session, at least user privileged information, and transaction specific data; the clearing office system being operative to activate transaction validity checking procedure by utilizing at least said user privileged information or portion thereof, and said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being operative to produce at least a transaction validity indication that is not being indicative of said first user privileged information; the clearing office system and said first user system being operative to establish a communication session and the clearing office system being operative to transmit, via said session, at least said transaction validity indication; the first user system being operative to receive, via said session, the transaction validity indication; the first user system and the second user system being operative to establish a communication session and the first user system being operative to transmit, via said session, at least said transaction validity indication; the second user system and the clearing office system being operative to establish cryptographic secured session and the second user system being operative to transmit, via said session, at least said transaction validity indication; the clearing office being operative to apply a second checking procedure, and in the case of affirmative result, sending at least an acknowledgement to the second user system, whereby the first user privileged information is not accessible to the second user system.

Claim 18

A system for conducting transaction over communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; said first user system and said clearing office system being capable of establishing cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data, the transaction specific data being indicative of at least transaction identification data; said clearing office system being capable of activating transaction validity checking Procedure by utilizing at least (i) said user privileged information or portion thereof; and (ii) said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being capable of producing at least a transaction validity indication which is indicative of at least said transaction identification code and not of said first user privileged information; the clearing office and said second user being capable of establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication, whereby the first user privileged information is not accessible to the second user system, wherein said first user system is associated with at least one electronic wallet and said user privileged information is indicative of at least respective electronic wallet identification code for each wallet; and said transaction specific data includes the cost of at least one product.

Claim 19

A system for conducting transaction over communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; said first user system and said clearing office system being capable of establishing cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data, the transaction specific data being indicative of at least transaction identification data; said clearing office system being capable of activating transaction validity checking Procedure by utilizing at least (i) said user privileged information or portion thereof; and (ii) said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being capable of producing at least a transaction validity indication which is indicative of at least said transaction identification code and not of said first user privileged information; the clearing office and said second user being capable of establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication, whereby the first user privileged information is not accessible to the second user system, wherein said first user system is associated with at least one electronic wallet and said user privileged information is indicative of at least respective electronic wallet identification code for each wallet; and said transaction specific data includes the cost of at least one product.

Claim 20

A system for conducting transaction over communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; said first user system and said clearing office system being capable of establishing cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data, the transaction specific data being indicative of at least transaction identification data; said clearing office system being capable of activating transaction validity checking procedure by utilizing at least (i) said user privileged information or portion thereof; and (ii) said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being capable of producing at least a transaction validity indication which is indicative of at least said transaction identification code and not of said first user privileged information; the clearing office and said second user being capable of establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication, whereby the first user privileged information is not accessible to the second user system, wherein said first user system is associated with at least one credit card and said user privileged information is indicative of at least respective credit card number for each credit card; said transaction specific data being indicative of the cost of at least one product.

Claim 21

A system for conducting transaction over communication network, comprising: a clearing office system, first user system and a second user system all interlinked by means of said communication network; said first user system and said clearing office system being capable of establishing cryptographic secured session, the user transmitting, via said session, at least user privileged information and transaction specific data, the transaction specific data being indicative of at least transaction identification data; said clearing office system being capable of activating transaction validity checking procedure by utilizing at least (i) said user privileged information or portion thereof; and (ii) said transaction specific data or portion thereof; in response to affirmative result of said transaction validity checking, the clearing office system being capable of producing at least a transaction validity indication which is indicative of at least said transaction identification code and not of said first user privileged information; the clearing office and said second user being capable of establishing a communication session and the clearing office transmitting, via said session, at least said transaction validity indication, whereby the first user privileged information is not accessible to the second user system, wherein said first user system is associated with at least one credit card and said user privileged information is indicative of at least respective credit card number for each credit card; said transaction specific data being indicative of the cost of at least one product.