US6282656B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
Electronic transaction systems and methods therefor
Assignee: Servstor Technologies LLC
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Filing: 1998-04-27
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Granted: 2001-08-28
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Expires: 2018-04-27
Abstract
Abstract A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device. The method includes receiving from the server at the requesting device a transaction program, which includes an executable portion. The method also includes searching, employing the executable portion, for a transaction approval device associated with the requesting terminal. If the transaction approval device is detected, the method includes employing the transaction approval device to approve the transaction request. There is further included transmitting, using the requesting device, an approved transaction request to the server to complete the electronic transaction. The approved transaction request signifies an approval of the transaction request.
Inventors
- 👤 Ynjiun Paul Wang
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-08 18:58
CPC Classifications
H; H04; H04L; H04L63/00; H04L63/04; H04L63/0428; H04L63/0442; G; G06; G06Q; G06Q20/00; G06Q20/02; G06Q20/08; G06Q20/18; G06Q20/30; G06Q20/32; G06Q20/327; G06Q20/34; G06Q20/341; G06Q20/3415; G06Q20/36; G06Q20/367; G06Q20/3674; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/409; G06Q20/4097; G06Q20/40975; G07; G07F; G07F19/00; G07F19/20; G07F7/00; G07F7/08; G07F7/0873; G07F7/088; G07F7/0886; G07F7/10; G07F7/1008; G07F7/1025; H04L63/08; H04L63/0853; H04L2463/00; H04L2463/102
Claims Analysis
Total Claims: 35
Claim 1
Independent Claim
103 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; searching, employing said executable portion, for a transaction approval device associated with said requesting terminal; if said transaction approval device is detected, employing said transaction approval device to approve said transaction request; transmitting, using said requesting device, an approved transaction request to said server to complete said electronic transaction, said approved transaction request signifying an approval of said transaction request.
Claim 2
Independent Claim
103 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; searching, employing said executable portion, for a transaction approval device associated with said requesting terminal; if said transaction approval device is detected, employing said transaction approval device to approve said transaction request; transmitting, using said requesting device, an approved transaction request to said server to complete said electronic transaction, said approved transaction request signifying an approval of said transaction request.
Claim 3
Dependent Claim
17 words
The method of claim 1 wherein said transaction approval device represents a portable electronic approval device (PEAD).
Claim 4
Dependent Claim
38 words
The method of claim 2 wherein said employing said transaction approval device to approve said transaction request includes encrypting approval data within said PEAD and transmitting said approval data to said requesting device to approve said transaction request.
Claim 5
Dependent Claim
19 words
The method of claim 3 wherein said encrypting said approval data is performed using a public key cryptography technique.
Claim 6
Dependent Claim
52 words
The method of claim 3 wherein said encrypting said approval data includes encrypting said approval data using a user's private key, said user's private key being kept within said PEAD thereby eliminating a need to exchange said user's private key between said PEAD and said requesting device for approving said transaction request.
Claim 7
Dependent Claim
47 words
The method of claim 3 further comprising: authenticating a user prior to permitting said user to approve said transaction request using said PEAD, said authenticating requires one of a pass word, a voice print, and a finger print at a user authentication mechanism associated with said PEAD.
Claim 8
Dependent Claim
23 words
The method of claim 1 wherein said executable portion further includes codes for authenticating a user by obtaining identification data pertaining said user.
Claim 9
Dependent Claim
23 words
The method of claim 7 wherein said identification data including one of a signature and a unique biometrics feature pertaining to said user.
Claim 10
Dependent Claim
17 words
The method of claim 8 wherein said unique biometrics feature represents a facial image of said user.
Claim 11
Dependent Claim
14 words
The method of claim 8 wherein said unique biometrics feature represents a finger print.
Claim 12
Independent Claim
103 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; receiving from a user at said requesting device transaction approval data, wherein said executable portion of said transaction program includes a first set of codes configured to encrypt said transaction approval data; encrypting said transaction approval data using said first set of codes; transmitting, using transaction program, said encrypted transaction approval data to said server to complete said electronic transaction.
Claim 13
Independent Claim
103 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; receiving from a user at said requesting device transaction approval data, wherein said executable portion of said transaction program includes a first set of codes configured to encrypt said transaction approval data; encrypting said transaction approval data using said first set of codes; transmitting, using transaction program, said encrypted transaction approval data to said server to complete said electronic transaction.
Claim 14
Dependent Claim
34 words
The method of claim 11 wherein said executable portion is transmitted to said requesting device only if a prior version of said executable portion needs updating to facilitate a completion of said electronic transaction.
Claim 15
Dependent Claim
22 words
The method of claim 11 wherein said executable portion is transmitted to said requesting device from said server with every transaction request.
Claim 16
Dependent Claim
23 words
The method of claim 11 wherein said executable portion further includes codes for authenticating a user by obtaining identification data pertaining said user.
Claim 17
Dependent Claim
23 words
The method of claim 14 wherein said identification data including one of a signature and a unique biometrics feature pertaining to said user.
Claim 18
Dependent Claim
17 words
The method of claim 15 wherein said unique biometrics feature represents a facial image of said user.
Claim 19
Dependent Claim
14 words
The method of claim 15 wherein said unique biometrics feature represents a finger print.
Claim 20
Dependent Claim
20 words
The method of claim 11 wherein said encrypting said transaction approval data is performed using a public key cryptography technique.
Claim 21
Independent Claim
141 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; searching, employing said executable portion, for a transaction approval device associated with said requesting terminal; if said transaction approval device is detected, employing said transaction approval device to approve said transaction request; if said transaction approval device is not detected, employing an input device associated with said requesting device to approve said transaction request; transmitting, using said requesting device, an approved transaction request to said server to complete said electronic transaction, said approved transaction request signifying an approval of said transaction request by a user via at least one of said transaction approval device and said input device.
Claim 22
Independent Claim
141 words
A method for completing a transaction request pertaining to an electronic transaction conducted over an electronic network having a server and a requesting device, comprising: receiving from said server at said requesting device a transaction program, said transaction program including an executable portion; searching, employing said executable portion, for a transaction approval device associated with said requesting terminal; if said transaction approval device is detected, employing said transaction approval device to approve said transaction request; if said transaction approval device is not detected, employing an input device associated with said requesting device to approve said transaction request; transmitting, using said requesting device, an approved transaction request to said server to complete said electronic transaction, said approved transaction request signifying an approval of said transaction request by a user via at least one of said transaction approval device and said input device.
Claim 23
Dependent Claim
17 words
The method of claim 19 wherein said transaction approval device represents a portable electronic approval device (PEAD).
Claim 24
Dependent Claim
38 words
The method of claim 20 wherein said employing said transaction approval device to approve said transaction request includes encrypting approval data within said PEAD and transmitting said approval data to said requesting device to approve said transaction request.
Claim 25
Dependent Claim
19 words
The method of claim 21 wherein said encrypting said approval data is performed using a public key cryptography technique.
Claim 26
Dependent Claim
52 words
The method of claim 21 wherein said encrypting said approval data includes encrypting said approval data using a user's private key, said user's private key being kept within said PEAD thereby eliminating a need to exchange said user's private key between said PEAD and said requesting device for approving said transaction request.
Claim 27
Dependent Claim
23 words
The method of claim 19 wherein said executable portion further includes codes for authenticating a user by obtaining identification data pertaining said user.
Claim 28
Dependent Claim
23 words
The method of claim 24 wherein said identification data including one of a signature and a unique biometrics feature pertaining to said user.
Claim 29
Dependent Claim
17 words
The method of claim 25 wherein said unique biometrics feature represents a facial image of said user.
Claim 30
Dependent Claim
14 words
The method of claim 25 wherein said unique biometrics feature represents a finger print.
Claim 31
Dependent Claim
37 words
The method of claim 19 wherein said approved transaction request is encrypted by said requesting device prior to being transmitted to said server if said input device is employed in the absence of said transaction approval device.
Claim 32
Dependent Claim
15 words
The method of claim 19 wherein said transaction approval device is a credit card reader.
Claim 33
Dependent Claim
15 words
The method of claim 19 wherein said transaction approval device is a smart card reader.
Claim 34
Dependent Claim
34 words
The method of claim 19 wherein said executable portion is transmitted to said requesting device only if a prior version of said executable portion needs updating to facilitate a completion of said electronic transaction.
Claim 35
Dependent Claim
22 words
The method of claim 19 wherein said executable portion is transmitted to said requesting device from said server with every transaction request.
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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) | 2004-08-27 | 2005-02-26 | 2005-08-28 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2008-08-27 | 2009-02-26 | 2009-08-28 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2012-08-27 | 2013-02-26 | 2013-08-28 | $7700.00 | Window Closed / Lapsed |