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A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both m

A system for open electronic commerce having a customer trusted agent securely communicating with a first money module, and a merchant trusted agent securely communicating with a second money module. Both trusted agents are capable of establishing a first cryptographically secure session, and both money modules are capable of establishing a second cryptographically secure session. The merchant trusted agent transfers electronic merchandise to the customer trusted agent, and the first money module transfers electronic money to the second money module. The money modules inform their trusted agents of the successful completion of payment, and the customer may use the purchased electronic merchandise.

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[ I claim:] [1.] A method for resolving a dispute over electronic merchandise utilizing a customer trusted agent, a first host processor, a merchant trusted agent, and a second host processor, comprising the steps of:(a) establishing a cryptographically secure session between said customer trusted a

[ I claim:] [1.] A method for resolving a dispute over electronic merchandise utilizing a customer trusted agent, a first host processor, a merchant trusted agent, and a second host processor, comprising the steps of:(a) establishing a cryptographically secure session between said customer trusted agent and said merchant trusted agent;(b) said customer trusted agent sending transaction log data to said first host processor for choice of a dispute corresponding to an electronic ticket stored in said customer trusted agent;(c) said first host processor sending dispute information to said customer trusted agent;(d) said customer trusted agent sending a copy of said electronic ticket and said dispute information to said merchant trusted agent, via said cryptographically secure session;(e) said merchant trusted agent validating said electronic ticket;(f) said merchant trusted agent sending said electronic ticket and said dispute information to said second host processor;(g) deciding to deny said dispute relating to said electronic ticket and said dispute information;(h) said second host processor sending a dispute denied message to said merchant trusted agent;(i) said merchant trusted agent reporting said dispute denied message to said customer trusted agent;(j) said customer trusted agent committing; and(k) said merchant trusted agent committing.