AU758892B2 - An apparatus for conducting a secure electronic transaction - Google Patents
An apparatus for conducting a secure electronic transaction Download PDFInfo
- Publication number
- AU758892B2 AU758892B2 AU28111/99A AU2811199A AU758892B2 AU 758892 B2 AU758892 B2 AU 758892B2 AU 28111/99 A AU28111/99 A AU 28111/99A AU 2811199 A AU2811199 A AU 2811199A AU 758892 B2 AU758892 B2 AU 758892B2
- Authority
- AU
- Australia
- Prior art keywords
- server
- client
- communications link
- encryption key
- conducting
- 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.)
- Ceased
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Classifications
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Two-Way Televisions, Distribution Of Moving Picture Or The Like (AREA)
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.
:0 a a 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:-
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 ooooo S"of the Internet itself, primarily because of consumer concerns regarding security and a lack o:oo# of awareness of where products may be purchased.
S" 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 connectable to a broadcast network and being arranged to broadcast information regarding said vendible products and services during use, said information including at least some of said data, and a unique identifier for each vendible product and service; and S 25 at least one client arranged to receive said information via the broadcast network during use, each client including means for establishing, and temporarily securing, a return communications link with the server so as to facilitate communication of financial information regarding a transaction between the client and the server; whereby communication between each client and the server uses the broadcast network for communications from the server to the client and the return communications link for communications from the client to the server, the information including the unique identifier being received by the server from the client when the return communications link is established, and wherein the means for temporarily securing the communications link with the server is arranged to exchange public encryption keys between the client and the server, and the server is arranged to forward said financial information to a financial institution by a further secure communications link whereupon o' F:\jnelsonkeepretype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGFOES AND CLAIMS.doc 31112/02 -2said financial institution conducts the financial transaction.
In one arrangement, the server is arranged to broadcast a first public encryption key with the information regarding each product and service, the client is arranged to encrypt a second encryption key using the first encryption key and communicate said encrypted second encryption key to the server and the server is 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 the server is arranged to broadcast a second encryption key to the client using the broadcast network.
ooooo 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 S• 15 and recover said second encryption key for use in communicating with the server.
SPreferably, said broadcast network is wireless.
Preferably, the broadcast network forms part of a digital television broadcast network.
Preferably, said unique identifier 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.
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.
SF:\jnelsonkeepetypN APPARATUS FOR CONDUCTG A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doA 3 N/02 F:\jnelson\kecp\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION -P34378 AM-END PGES AND CLAIMSdoc 31/12/02 -3- 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 disposed in use in said card reader.
Preferably, 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 identifier 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 oeeeo unique identifier; oee i S" 15 establishing a return communications link between a client and a server, whereby communication between the client and the server uses the broadcast network for communications from the server to the client and the return communications link for communications from the client to the server; temporarily securing the return communications link by exchanging public encryption keys between the client and the server; :..•using said temporarily secured communications link to communicate financial information regarding the transaction; and forwarding said financial information to a financial institution via a further secure communications link.
Preferably, the step of establishing a temporarily secure communications link comprises the step of exchanging public encryption keys.
DETAILED DESCRIPTION OF THE EMBODIMENT F:\jnelson\keep\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 31/12/02 -4- 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.
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 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.
Upon receipt of the information from the client, the server forwards financial information regarding the transactions to a financial institution via a secure communications link. In this regard, the financial information includes the user's 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 S. 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- For the purposes of this specification it will be clearly understood that the word "comprising" means "including but not limited to", and that the word "comprises" has a corresponding meaning.
It should be appreciated that this invention is not limited to the particular embodiment described above.
N
co D* e* F:\jnelson\keep\retypclAN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 31/12/02
Claims (10)
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 connectable to a broadcast network and being arranged to broadcast information regarding said vendible products and services during use, said information includinig at least some of said data, and a unique identifier for each vendible product and service; and at least one client arranged to receive said information via the broadcast network during use, each client including means for establishing, and temporarily securing, a return communications link with the server so as to facilitate communication of •financial information regarding a transaction between the client and the server; whereby communication between each client and the server uses the broadcast network for communications from the server to the client and the return communications link for communications from the client to the server, the information including the unique identifier being received by the server from the client when the return communications link is established, and wherein the means for temporarily securing the communications link with the server is arranged to exchange public encryption keys between the client and the server, and the server is arranged to forward said financial information to a financial institution by a further secure communications link whereupon said financial institution conducts the financial transaction.
2. An apparatus as claimed in claim 1, wherein the server is arranged to broadcast a first public encryption key with the information regarding each product and service, the client is arranged to encrypt a second encryption key using the first encryption key and communicate said encrypted second encryption key to the server, and the server is arranged to decrypt and recover said second encryption key for use in communicating with the client.
3. An apparatus as claimed in claim 1, wherein the server receives a first ,X 7 Apublic encryption key from the client and the server is arranged to broadcast a second F:\jneIson\kep\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 2/01/03 -8- encryption key to the client using the broadcast network.
4. An apparatus as claimed in claim 3, wherein 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. An apparatus as claimed in any one of the preceding claims, wherein said broadcast network is wireless.
6. An apparatus as claimed in any one of the preceding claims, wherein the broadcast network forms part of a digital television broadcast network. oi An apparatus as claimed in any one of the preceding claims, wherein said unique identifier is generated from a pseudo-random sequence.
8. An apparatus as claimed in claim 7, wherein a seed for the pseudo-random sequence is provided by said financial institution.
9. An apparatus as claimed in any one of the preceding claims, wherein said return communications link is a telephone line. t.
10. An apparatus as claimed in any one of the preceding claims, wherein 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.
11. 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. r F:\jnelson\keep\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 2/01/03
71- 12. An apparatus as claimed in any one of the preceding claims, wherein said client comprises a computer. 13. An apparatus as claimed in claim 12, wherein said computer includes a digital television receiver. 14. An apparatus as claimed in claim 12 or 13, wherein said computer includes a card reader arranged to read a public encryption key from a card disposed in use in said card reader. 15. 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 identifier associated with the transaction. 16. 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 identifier; establishing a return communications link between a client and a server, whereby communication between the client and the server uses the broadcast network for communications from the server to the client and the return communications link for communications from the client to the server; temporarily securing the return communications link by exchanging public encryption keys between the client and the server; using said temporarily secured communications link to communicate financial information regarding the transaction; and forwarding said financial information to a financial institution via a further secure communications link. F:\jnelson\keep\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 2/01/03 17. An apparatus for conducting a secure electronic transaction substantially as hereinbefore described. 18. A method for conducting a secure electronic transaction substantially as hereinbefore described. Dated this 2nd day of January 2003 ADVENT TELEVISION LTD By Its Patent Attorneys GRIFFITH HACK Fellows Institute of Patent and Trade Mark Attorneys of Australia. F:\jnelson\keep\retype\AN APPARATUS FOR CONDUCTING A SECURE ELECTRONIC TRANSACTION P34378 AMEND PGES AND CLAIMS.doc 2/01/03
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 AU2811199A (en) | 2000-01-20 |
| AU758892B2 true 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 (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8600878B2 (en) | 1999-06-10 | 2013-12-03 | Ebay Inc. | Method for transmitting a code |
| US12266001B2 (en) | 2014-09-30 | 2025-04-01 | Ebay Inc. | Garment size mapping |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB2360866A (en) * | 2000-03-28 | 2001-10-03 | Cashthrough Com Internat Ltd | Online payment method |
| CA2412184C (en) | 2000-07-10 | 2015-04-07 | 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 |
| US20150134302A1 (en) | 2013-11-14 | 2015-05-14 | Jatin Chhugani | 3-dimensional digital garment creation from planar garment photographs |
| US10366439B2 (en) | 2013-12-27 | 2019-07-30 | Ebay Inc. | Regional item reccomendations |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1996012242A1 (en) * | 1994-10-13 | 1996-04-25 | World Trade Centers Association, Inc. | Full service trade system |
| EP0779587A2 (en) * | 1995-12-15 | 1997-06-18 | Kabushiki Kaisha N.K Kikaku | On-line shopping system and the method of payment settlement |
| 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 |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| ATE201106T1 (en) * | 1990-10-01 | 2001-05-15 | Thomas A Bush | TRANSACTION 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 |
| US5729594A (en) * | 1996-06-07 | 1998-03-17 | Klingman; Edwin E. | On-line secured financial transaction system through electronic media |
| US5825881A (en) * | 1996-06-28 | 1998-10-20 | Allsoft Distributing Inc. | Public network merchandising system |
-
1998
- 1998-07-02 SG SG9801578A patent/SG65768A1/en unknown
-
1999
- 1999-05-12 AU AU28111/99A patent/AU758892B2/en not_active Ceased
- 1999-05-28 GB GB9912414A patent/GB2339949B/en not_active Expired - Fee Related
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1996012242A1 (en) * | 1994-10-13 | 1996-04-25 | World Trade Centers Association, Inc. | Full service trade system |
| EP0779587A2 (en) * | 1995-12-15 | 1997-06-18 | Kabushiki Kaisha N.K Kikaku | On-line shopping system and the method of payment settlement |
| 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 |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8600878B2 (en) | 1999-06-10 | 2013-12-03 | Ebay Inc. | Method for transmitting a code |
| US12266001B2 (en) | 2014-09-30 | 2025-04-01 | Ebay Inc. | Garment size mapping |
Also Published As
| Publication number | Publication date |
|---|---|
| GB2339949A (en) | 2000-02-09 |
| AU2811199A (en) | 2000-01-20 |
| GB2339949B (en) | 2002-09-25 |
| GB9912414D0 (en) | 1999-07-28 |
| SG65768A1 (en) | 2005-10-28 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| FGA | Letters patent sealed or granted (standard patent) |