IP Library Patent Application 10553611
Patent Application
App. No. 10/553,611

Micropayment Processing Method and System

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Quick Facts
Patent No.
US None
App. No.
10/553,611
Abstract

A method of producing an offer package includes defining, within the offer package, a description of an offered product. The cost of the offered product and the merchant making the offer are also defined within the offer package, which includes an encrypted version of the offered product.

Claims (34)

1 - 150 . (canceled)

151 . A verification method comprising:

receiving a hashed, multi-level, data object, wherein the hashed, multi-level, data object includes one or more hashed, non-target data objects;

receiving one or more sequential data keys, wherein each sequential data key corresponds to a hashed, non-target data object at a unique level within the hashed, multi-level, data object;

receiving a non-hashed, target data object;

hashing the non-hashed, target data object to generate an N th level hashed data object;

grouping the N th level hashed data object with an N th level, sequential data key to generate an N th level object/key pair; and

hashing the N th level object/key pair to generate an N th+1 level hashed data object;

wherein grouping the N th level hashed data object and hashing the N th level object/key pair are repeated for each sequential data key.

152 . The method of claim 151 wherein the hashed, multi-level, data object is an encrypted, hashed, multi-level, data object, the method further comprising:

decrypting the encrypted, hashed, multi-level, data object to generate a decrypted, hashed, multi-level, data object.

153 . The method of claim 152 further comprising:

comparing the decrypted, hashed, multi-level, data object to the highest-level hashed data object generated to determine the validity of the hashed, multi-level data object.

154 . The method of claim 151 wherein the non-hashed, target data object is a micropayment token.

155 . The method of claim 154 wherein the micropayment token is a selected micropayment token.

156 . The method of claim 154 wherein the micropayment token is an unselected micropayment token.

157 . The method of claim 151 wherein the non-hashed, target data object is an offer package.

158 . A computer program product residing on a computer readable medium having a plurality of instructions stored thereon which, when executed by the processor, cause that processor to:

receive a hashed, multi-level, data object, wherein the hashed, multi-level, data object includes one or more hashed, non-target data objects;

receive one or more sequential data keys, wherein each sequential data key corresponds to a hashed, non-target data object at a unique level within the hashed, multi-level, data object;

receive a non-hashed, target data object;

hash the non-hashed, target data object to generate an N th level hashed data object;

group the N th level hashed data object with an N th level, sequential data key to generate an N th level object/key pair; and

hash the N th level object/key pair to generate an N th+1 level hashed data object;

wherein grouping the N th level hashed data object and hashing the N th level object/key pair are repeated for each sequential data key.

159 . The computer program product of claim 158 wherein the hashed, multi-level, data object is an encrypted, hashed, multi-level, data object, the computer program product further comprising instructions for:

decrypting the encrypted, hashed, multi-level, data object to generate a decrypted, hashed, multi-level, data object.

160 . The computer program product of claim 159 further comprising instructions for:

comparing the decrypted, hashed, multi-level, data object to the highest-level hashed data object generated to determine the validity of the hashed, multi-level data object.

161 . The computer program product of claim 158 wherein the non-hashed, target data object is a micropayment token.

162 . The computer program product of claim 161 wherein the micropayment token is a selected micropayment token.

163 . The computer program product of claim 161 wherein the micropayment token is an unselected micropayment token.

164 . The computer program product of claim 158 wherein the non-hashed, target data object is an offer package.

165 - 220 . (canceled)

Assignments (10)
TERMINATION OF 2010 SECURITY INTERESTS -AMENDED AND RESTATED PLEDGE AND SECURITY AGREEMENT Recorded Oct 23, 2013
From: JPMORGAN CHASE BANK, N.A., ADMINISTRATIVE AGENT
To: HEARTLAND PAYMENT SYSTEMS INC.
Reel/Frame 031484/0889 →
TERMINATION OF 2009- SECURITY INTERESTS - PLEDGE AND SECURITY AGREEMENT Recorded Oct 23, 2013
From: JPMORGAN CHASE BANK, N.A., ADMINISTRATIVE AGENT
To: HEARTLAND PAYMENT SYSTEMS INC.
Reel/Frame 031484/0920 →
SECURITY AGREEMENT Recorded Dec 1, 2010
From: HEARTLAND PAYMENT SYSTEMS, INC.
To: JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT
Reel/Frame 025434/0387 →
SECURITY AGREEMENT Recorded Aug 7, 2009
From: HEARTLAND PAYMENT SYSTEMS, INC.
To: JPMORGAN CHASE BANK, N.A., AS ADMINISTRATIVE AGENT
Reel/Frame 023069/0082 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 9, 2009
From: CHOCKSTONE, INC.
To: HEARTLAND PAYMENT SYSTEMS, INC.
Reel/Frame 022225/0884 →
RELEASE OF SECURITY INTEREST Recorded Oct 21, 2008
From: POD HOLDINGS, INC.
To: PEPPERCOIN, INC.
Reel/Frame 021914/0617 →
INVENTION AND NON-DISCLOSURE AGREEMENT Recorded Jun 12, 2008
From: SOLOMON, PERRY
To: PEPPERCOIN, INC.
Reel/Frame 021087/0348 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 3, 2008
From: RIVEST, RONALD L.; MICALI, SILVIO; NIX, ROBERT; CARNEY, ROBERT; JONNALAGADDA, PRASAD; BERGERON, JOSEPH, III; BATES, MARK
To: PEPPERCOIN, INC.
Reel/Frame 020312/0445 →
CORRECTIVE ASSIGNMENT TO CORRECT THE PAGE 4 OF THE ASSIGNMENT DOCUMENT PREVIOUSLY RECORDED ON REEL 019257 FRAME 0287. ASSIGNOR(S) HEREBY CONFIRMS THE ASSIGNMENT. Recorded Sep 27, 2007
From: PEPPERCOIN, INC.
To: CHOCKSTONE, INC.
Reel/Frame 019894/0217 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 7, 2007
From: PEPPERCOIN, INC.
To: CHOCKSTONE, INC.
Reel/Frame 019257/0287 →