초록 ▼

A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including a specification of goods and a payment amount for those goods. The customer sends to the agent a s

A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including a specification of goods and a payment amount for those goods. The customer sends to the agent a single communication including a request for payment of the payment amount to the specific merchant and a unique identification of the customer. The agent issues to the customer an authenticated payment advice based only on the single communication and secret shared between the customer and the agent and status information which the agent knows about the merchant and/or the customer. The customer forwards a portion of the payment advice to the specific merchant. The specific merchant provides the goods to the customer in response to receiving the portion of the payment advice.

대표청구항 ▼

[ What is claimed:] [1.] A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent, the method comprising:each customer sharing a respective secret between that customer and the agent;obtaining, by a customer of the plurality of customers, elect

[ What is claimed:] [1.] A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent, the method comprising:each customer sharing a respective secret between that customer and the agent;obtaining, by a customer of the plurality of customers, electronic signals representing an authenticated quote from a specific merchant of a plurality of merchants, the quote including a specification of goods and a payment amount for those goods, wherein the quote is verifiable only by the customer;sending from the customer to the agent in a single authenticated one-pass communication, a payment request message as electronic signals representing a request for payment of the payment amount to the specific merchant and a unique identification of the customer;the agent issuing and sending to the customer, in a single one-pass communication electronic signals representing an authenticated verifiable payment advice message, the issuing being based only on (a) the single communication from the customer to the agent, (b) the secret shared between the customer and the agent, and (c) status information which the agent has;the customer forwarding electronic signals representing a portion of the payment advice message to the specific merchant; andthe specific merchant providing the goods to the customer in response to receiving the electronic signals representing the portion of the payment advice message.