Payment handling apparatus and method
US11270297B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 31, 2017 |
| Grant date | Mar 8, 2022 |
| Priority date | — |
| Expiry date | Sep 18, 2037 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/42
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The present invention relates to payment handling apparatus (10) which is operable to effect payment from a purchaser to a vendor. The payment handling apparatus (10) comprises a purchaser's device running a purchaser program (12) which is operable by the purchaser and a vendor's device running a vendor program (16) which is operable by the vendor. The purchaser's device (12) and the vendor's device (16) are in data communication with each other by way of a communication channel (26). The purchaser program is configured to encrypt a payment message and to convey a payment request to the vendor program by way of the communication channel (26). The payment request comprises the encrypted payment message. The payment handling apparatus is configured to encrypt a confirmation message and to convey a confirmation code to the purchaser program in dependence on receipt of the payment request by the vendor program. The confirmation code comprises the encrypted confirmation message.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.