System and method for commercial payments using trusted agents

Details System and method for commercial payments using trusted agents System and method for commercial payments using trusted agents

G - Physics

07

F

G07F 7/08 (2006.01) G06Q 20/00 (2006.01)

Patent

CA 2229012

A system for electronic commercial payment is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that establishes a first cryptographically secure session with the customer trusted agent and associated with a second money module. Where the money modules establish a second crytographically secure session. The customer trusted agent provides remittance advice information to the merchant trusted agent, and the merchant trusted agent provides a commercial payment ticket to the customer trusted agent. Upon receiving said commercial payment ticket, the customer trusted agent initiates a transfer of electronic money from the first money module to the second money module.

Système de paiement commercial électronique reposant sur un "agent de confiance"-client associé à un premier appareil récepteur de paiement, à un "agent de confiance"-vendeur, qui établit une preière relation crytographiquement sûre avec l'"agent de confiance"-client et qui est associée à un deuxième appareil récepteur de paiement. Les appareils récepteurs de paiement établissent entre eux une deuxième relation cryptographiquement sûre. L'"agent de confiance"-client communique les informations relatives à un transfert à l'"agent de confiance"-vendeur, et ce dernier donne un ticket de paiement commercial à l'"agent de confiance"-client. A réception de ce ticket de paiement commercial, l'"agent de confiance"-client déclenche un transfert électronique de fonds du premier appareil récepteur de paiement au deuxième appareil récepteur de paiement.

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