`Docket #20661/438
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`-;i.1s?:i.J 115
`
`CERTff!CATE Of
`BY E(PRESS
`Lapel No. 'Iij.,
`"EXPRESS MAIL"
`./7.t,(,,
`Date of
`I hereby cer ti r y :e1ia t this
`or fee
`is being ·deposJ tea with the U.S. Postal
`Service "Express
`Po.sc Office to
`Addressee" sen·iC:e under 3.7 CFR 1.10 O:".
`the date tndicated above and ls
`
`METHOD, APPARATUS, AND SYSTEM FOR TRANSFERING
`UNITS OF VALUE
`
`the benefit of U.S.
`60/004,510,
`filed
`
`RELATED APPLICATIONS
`This application claims
`Provisional
`Application
`No.
`September 29, 1995.
`The
`following applications of
`contains
`related
`subject matter
`incorporated by reference:
`Serial No.: unknown, filed January 31,· 1996,
`entitled METHOD, APPARATUS, SYSTEM AND FIRMWARE FOR
`SECURE TRANSACTIONS;
`
`common assignee
`and
`are
`hereby
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`IPDAL' 7297 J. 1I20661-438
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`244MAX001207
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`Compass Bank et al. v. Maxim, CBM2015-00101
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`Patent Application
`Docket #20661/438
`ial No.: unknown, filed January 31, 1996,
`TRANSFER OF VALUABLE INFORMATIONBETWEF;N A
`ODULE AND ANOTHER MODULE.
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`BACKGROUND OF THE INVENTION
`Technical Field of the Invention
`The present invention relates to a method, apparatus
`and system for transferring money or its equivalent
`electronically.
`In particular, in an electronic module
`based
`the module can be configured to provide at
`least secure data transfers or to authorize monetary
`transactions.
`Description of Related...-AU;.
`Presently, credit cards that have a magnetic strip
`are
`a
`preferred monetary
`them,
`associated with
`transaction medium in the market place. A card user can
`take the card to an automatic cash machine, a local store
`In many
`or a bank and make monetary transactions.
`instances the card is used, via a telephone interface to
`make monetary exchanges. The magnetic strip card is used
`to help identify the card and user of the card. The card
`provides a relatively low level cf
`:3ecurity for the·
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`Patent Application
`Docket #20661/438
`with.
`The certificate can contain
`a variety of
`information.
`In particular, the certificate may contain:
`
`1)
`
`2)
`
`3)
`
`4)
`
`who
`the module user via
`is
`registration number.
`
`a
`
`unique
`
`when the transaction took place via a true-time
`stamping of the transaction.
`
`the
`where
`registered
`identification.
`
`transaction
`module
`
`a
`took place via
`interface
`si.te
`
`security information via uniquely serialized
`transactions and digital signitures on message
`digests.
`
`5)
`
`module status indicated as valid,
`1 expired.
`
`lost., or
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`Al though a preferred embodiment of the method and
`apparatus of the present invention has been illustrated
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`Patent Application
`Docket #20661/438
`the accompanying Drawings and described
`in
`the
`in
`foregoing Detailed Description, it will be understood
`that
`the
`invention is not
`limited t:o
`the embodiment
`disclosed, but is capable of numerous rearrangements,
`modifications and substitutions without departing from
`the spirit of the invention as set forth and defined by
`the following claims.
`
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`an
`
`amount
`
`requested
`
`to
`
`said
`
`WHAT IS CLAIMED IS:
`A method for adding a monetary equivalent to an
`1.
`electronic module, comprising the steps of:
`a.
`placing the module in communicat:'..on with an
`electronic device;
`b.
`indicating
`electronic device;
`c.
`communicating a random number from said module
`to said electronic device;
`d.
`combining said random number and said amqunt
`f:.t I
`,,111¢
`requested thereby creating a first da1:a
`in said
`electronic device;
`e.
`encrypting said first data packet with a first
`thereby creating a
`signed certificate
`in said
`key
`electronic device;
`communicating said signed certificate from said
`f.
`electronic device to safd module;
`g.
`decrypting said signed
`certificate in said
`. ·
`/
`module with a second key thereby
`creating a
`random number and a decrypted amount requested;
`
`...
`
`.... ·.·.··
`
`.
`
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`Patent Application
`Docket #2 06 61I4 3.8
`comparing
`said
`number with
`said
`random
`h.
`decrypted random number and determining if they match in
`said module; and
`adding said- decrypted amount. requested to a
`i.
`money register in said module.
`
`further comprising,
`The method of claim 1,
`2.
`after step b,
`the step of communicating- a module
`identification
`from said module
`to said electronic
`device.
`
`The method of claim 2, wherein the step d of
`3.
`combining further comprises the step of combining said
`module indentification with said random number and said
`amount requested prior thereby c:reatin9 said first data
`packet in said electronic device.
`
`The method of claim 3, wherein the step of g of
`4.
`decrypting further comprises
`the step of creating a
`decrypted module identification.
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`24
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`Patent Application
`Docket #20661/438
`5.
`The method of claim 4, wherein the step h of
`comparing further comprises the step of comparing said
`module
`identification
`and
`said
`decrypted module
`identification and determining if they match.
`
`6.
`portable.
`
`method of claim 1, wherein said
`
`is
`
`The method of claim 1, wherein said first key
`7.
`is a private key and said second key is a public key.
`
`The method of claim 1, wherein said module is
`8.
`programmable.
`
`9. Method of metering a monetary equivalent out of
`and into an electronic equipment, comprising the
`a
`steps of:
`placing
`said
`a.,
`electror.ic
`communication with said module;
`reading
`a module
`b.
`electronic equipment;
`
`identifier with
`
`said
`
`equipment
`
`in
`
`1
`2
`3
`4
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`1
`2
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`1
`2
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`1
`2
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`1
`2
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`6
`7
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`Docket #20661/438
`combining a first random number, a number of
`c.
`units to be metered and said module ;Ldentifier in said
`electronic equipment
`thereby creating
`a
`first data
`packet;
`d.
`in said
`encrypting said first data packet
`electronic equipment with a first key thereby creating an
`encrypted first data packet;
`passing said encrypted first data packet and a
`e.
`requested monetary value from said electronic equipment
`to said module;
`subtracting said requested monetary value from
`f.
`a money register in said module; and
`g.
`incrementing
`a
`transaction ccunt
`module.
`
`in said
`
`io. The method of claim 9, wherein after step g
`said method further comprises the stE:ps of:
`h.
`count,
`said
`combining
`said
`transaction
`requested monetary value, and said encrypted first data
`packet in said module and thereby creating a second data
`packet;
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`encrypting said second data packet with a
`i.
`second key in said module thereby creating an encrypted
`second data packet; and
`passing said encrypted second packet to said
`j .
`electronic equipment.
`
`11. The method of claim 10, furth•=r comprising the
`steps of:
`k.
`decrypting said encrypted second data packet
`with a third key in said electronic e:quiprr.ent thereby
`creating a decrypted second data packet;
`determining whether said -requested monetary
`1.
`amount sent to said module is the
`;3ame as
`in said
`decrypted second data packet; and
`m.
`determining whether said encrypted first data
`packet sent
`to said module is . the
`;Sarne as
`in said
`decrypted second data packet.
`
`12. The method cif claim 10, further comprising the
`steps of:
`o.
`sending said encrypted second data packet from
`said electronic
`to a provider;
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`p.
`decrypting said encrypted second data packet
`with a fourth key by said provider; and
`q.
`decrypting said encrypted first data packet
`with a fifth
`provider.
`by
`
`13. The method of claim 9, wherein said encryption
`'
`step utilizes a predetermined encryption technique.
`
`of
`14. The method
`claim
`13' wherein
`said
`predetermined encryption technique is an RSA technique.
`
`15. The method of claim 9, wherein said module is
`programmable.
`
`receiving and transmitting
`
`said
`
`connected
`
`to
`
`circuit
`rac•7
`to
`\ connected
`circuit,
`said
`for performinq encryption and
`said apparatus being adapted to
`
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`16.
`encrypted
`an
`a
`input/output in
`a
`microprocesso
`I
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`receive an encrypted
`decrypt
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`I'atent Application
`Docket #20661/438
`ta packet and being adapted to
`data packet via a key.
`
`17.
`
`used
`
`wherein said key
`algorithm.
`
`18. The
`apparatus is a
`
`of claim 16, wherein said
`ct portable module
`
`19. The
`input/output
`contact.
`
`of claim 16, wherein said
`at least a single conductive
`
`20. The
`input/output in
`
`claim 16, wherein said
`0
`s a one-wire in:t:erfa)Ce.
`
`1
`2
`
`1
`2
`
`1
`2
`3
`
`1
`2
`
`1
`2
`3
`4
`s
`
`21.
`encrypted
`an
`a
`input/output interface;
`
`paratus for receiving and transmitting
`comprising:
`interface;
`circuit
`
`connected
`
`to
`
`said
`
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`to
`a
`coprocessor
`ircuit,
`connected
`said
`microprocessor circuit
`for performin9. encryption and
`decryption algorithms, said apparatus being adapted to
`encrypt a data packet using a key and to transmit said
`encrypted data packet ut of said input/output interface.
`
`22. The apparat s of.claim 21, wherein said data
`packet contains at 1 ast a random number.
`
`23. The
`apparatus
`
`of claim 21, wherein said
`
`24. The
`2:::, f wherein said
`of claim
`apparatus is prog ammable via object oriented software.
`
`25. The
`apparatus
`pairs.
`
`21, wherein said
`)f producing random encryption key
`
`26. The a paratus of claim 21, further comprising
`memory means f r storing a predetermined program, said
`memory means b ing connected to said microprocessor.
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`2
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`1
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`1
`2
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`1
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`1
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`Docket #20661/438
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`f claim 21, further comprising
`for
`count inq
`a
`number of
`apparatus
`performs,
`said
`being
`connected
`to
`said
`
`comprising
`1me stamping trans::tctions performed
`timing circuit being connected to
`
`27.
`transaction
`a
`transactions
`transaction
`microprocessor.
`
`28.
`a timing
`
`1
`2
`3
`4
`5
`
`1
`2
`3
`4
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`IPDAL:7297J .1/ 20661-436
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`ABSTRACT OF THE DISCLOSURE
`to an eleotronic
`The present
`invention relates
`specifically,
`module used for secure transactions.
`the electronic module is capable of passin9 encrypted
`information back and forth between a service provider's
`equipment via a secure, encrypted technique so that money
`and other valuable data
`can
`be
`securely passed
`'
`electronically.
`The module
`is capable of being
`programmed,
`keeping
`track of
`real
`time,
`recording
`transactions for later review, and creating encryption
`key pairs.
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`5
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`10
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`Page 2007-14