Apparatus and method for integrated payment and electronic merchandise transfer

US7681788B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Eddy L. H. Van de Velde · Leuven, BE
• David Anthony Roberts · Petworth, GB
• Patrik Smets · Nijlen, BE

Key dates

• Filing date: Apr 14, 2008
• Grant date: Mar 23, 2010
• Expiry date: Apr 24, 2028

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/18
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Payment transactions using a payment infrastructure are efficiently combined with e-merchandise transactions using an e-merchandise infrastructure, while allowing each infrastructure to concentrate on its primary function. An electronic payment device configured according to the payment infrastructure is interrogated by a payment module (also configured according to the payment infrastructure) of a first terminal to obtain financial data. Electronic merchandise-related information is generated by an electronic merchandise module (configured according to the electronic merchandise infrastructure) of the first terminal, and such information is transferred to the electronic payment device within a transaction conducted in accordance with the financial data and the payment infrastructure.