An electronic payment system

G - Physics – 06 – Q

Patent

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Details

G06Q 20/32 (2012.01) G06F 21/24 (2006.01) G07F 7/10 (2006.01) H04B 5/00 (2006.01)

Patent

CA 2720119

The specification and drawing figures describe and show a system for making a payment across a point-of-sale device that includes at least one a payment instrument having fmancial data required to conduct a fmancial transaction across a credit network. The system also includes a mobile wireless instrument having a data processor operatively connectable to the point-of-sale device and to the payment instrument. At least one algorithm is provided for transmitting the fmancial data from the payment instrument to the data processor of the mobile wireless instrument, and for decrypting an encryption key, as well as transmitting an instruction from the mobile wireless instrument to the point-of-sale device to authorize the payment.

La spécification et les figures des dessins décrivent et montrent un système pour effectuer un paiement sur un dispositif de point de vente qui comprend au moins un instrument de paiement comportant des données financières nécessaires pour effectuer une transaction financière sur un réseau de crédit. Le système comprend également un instrument sans fil mobile comportant un processeur de données pouvant être connecté fonctionnellement au dispositif de point de vente et à l'instrument de paiement. Au moins un algorithme est fourni pour transmettre les données financières de l'instrument de paiement au processeur de données de l'instrument sans fil mobile, et  pour déchiffrer une clé de chiffrement, ainsi que pour transmettre une instruction de l'instrument sans fil mobile au dispositif de point de vente pour autoriser le paiement.

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