Methods and apparatus for conducting electronic transactions

Details Methods and apparatus for conducting electronic transactions Methods and apparatus for conducting electronic transactions

2011-05-31

2011-05-31

Worjloh, Jalatee (Department: 3685)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S064000, C705S065000, C705S076000, C705S078000, C705S079000, C235S379000, C235S435000, C235S442000, C380S277000, C726S005000, C726S027000, C713S150000, C713S182000, C713S186000

Reexamination Certificate

active

07953671

ABSTRACT:
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials.

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