# US 10,482,446 B2 · Payment system

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- Number: US 10,482,446 B2
- Document ID: US10482446B2
- Status: Granted
- Kind: B2
- Application number: 15/201,414
- Filed: 2016-07-02
- Published: 2018-01-04
- Granted: 2019-11-19
- Earliest claimed: 2016-07-02
- Assignees: Intel Corporation
- Applicants: Intel Corporation
- Inventors: Geoffrey H. Cooper; Guy L. AlLee, Jr.
- Web page: https://patentgrep.com/patent/US10482446B2

## CPC

- G06Q 20/206: {comprising security or operator identification provisions, e.g. password entry}
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Particular embodiments described herein provide for an electronic device that can be configured to couple to a terminal, verify an account with an account institution using Direct Anonymous Attestation (DAA), and request an action related to the account using DAA. In an example, the DAA is accomplished using enhanced privacy identification (EPID). The account institution can be a banking institution, and the requested action can be to add an electronic representation of monetary funds to the account. In another example, the device is a payment card, the terminal is a point of sale terminal, and the requested action is related to a sale of goods or services.

## Claims

### Claim 1

At least one machine readable medium comprising one or more instructions that when executed by at least one processor, cause the at least one processor to:
couple an electronic device to a physical point of sale terminal using enhanced privacy identification (EPID), wherein the electronic device includes a monitory account;
verify the monitory account with an account institution using EPID; and
request an action related to the monitory account using an EPID key, wherein the EPID key includes an anonymous EPID random base and a non-anonymous EPID named base, wherein the requested action is related to a sale of goods or services and includes changing a monitory value of the monitory account, wherein the monitory account is updated when the requested action is verified.

### Claim 2 (depends on 1)

The at least one machine readable medium of claim 1, wherein the EPID verification is accomplished without specific electronic device information.

### Claim 3 (depends on 1)

The at least one machine readable medium of claim 1, wherein the requested action is part of a barter transaction.

### Claim 4 (depends on 1)

The at least one machine readable medium of claim 1, further comprising one or more instructions that when executed by the at least one processor, cause the at least one processor to:
communicate authentication data to the terminal.

### Claim 5 (depends on 1)

The at least one machine readable medium of claim 1, wherein the account institution is a banking institution and the requested action is to add an electronic representation of monetary funds to the monitory account.

### Claim 6 (depends on 1)

The at least one machine readable medium of claim 1, wherein the terminal provides power for the at least one processor.

### Claim 7 (depends on 1)

The at least one machine readable medium of claim 1, wherein the at least one machine readable medium is included in a payment card.

### Claim 8

An apparatus comprising:
a communication engine, wherein the communication engine is configured to communicate data to allow the apparatus to:
couple an electronic device to a point of sale terminal using enhanced privacy identification (EPID), wherein the electronic device includes a monitory account;
verify the monitory account with an account institution using EPID; and
request an action related to the monitory account using an EPID key, wherein the EPID key includes an anonymous EPID random base and a non-anonymous EPID named base, wherein the requested action is related to a sale of goods or services and includes changing a monitory value of the monitory account.

### Claim 9 (depends on 8)

The apparatus of claim 8, wherein the EPID verification is accomplished without specific electronic device information.

### Claim 10 (depends on 8)

The apparatus of claim 8, wherein the monitory account is updated when the requested action is verified.

### Claim 11 (depends on 8)

The apparatus of claim 8, wherein the account institution is a banking institution and the requested action is to add an electronic representation of monetary funds to the monitory account.

### Claim 12 (depends on 8)

The apparatus of claim 8, wherein the apparatus is a payment card and the requested action is related to a sale of goods or services.

### Claim 13

A method comprising:
couple an electronic device to a point of sale terminal using enhanced privacy identification (EPID), wherein the electronic device includes a monitory account;
verifying the monitory account with an account institution using EPID; and
requesting an action related to the monitory account using an EPID key, wherein the EPID key includes an anonymous EPID random base and a non-anonymous EPID named base, wherein the requested action is related to a sale of goods or services and includes changing a monitory value of the monitory account.

### Claim 14 (depends on 13)

The method of claim 13, wherein the EPID verification is accomplished without specific electronic device information.

### Claim 15

A payment system comprising:
a payment card configured to:
couple an electronic device to a point of sale terminal using enhanced privacy identification (EPID), wherein the electronic device includes a monitory account;
verify the monitory account with an account institution using EPID; and
request an action related to the monitory account using an EPID key, wherein the EPID key includes an anonymous EPID random base and a non-anonymous EPID named base, wherein the requested action is related to a sale of goods or services and includes changing a monitory value of the monitory account.

### Claim 16 (depends on 15)

The payment system of claim 15, wherein the monitory account is updated when the requested action is verified.

### Claim 17 (depends on 15)

The payment system of claim 15, wherein the account institution is a banking institution and the requested action is to add an electronic representation of monetary funds to the monitory account.

### Claim 18 (depends on 1)

The at least one machine readable medium of claim 1, further comprising one or more instructions that when executed by the at least one processor, cause the at least one processor to:
receive EPID based verification data for the electronic device, wherein the EPID based verification data is used to verify the monitory account with the account institution.

### Claim 19 (depends on 1)

The at least one machine readable medium of claim 1, further comprising one or more instructions that when executed by the at least one processor, cause the at least one processor to:
request user identification, wherein the user identification is used by the account institution to verify an identity of a user of the electronic device, wherein the monitory account is associated with the electronic device; and
request an action related to the monitory account using DAA, wherein the action includes changing a monitory value of the monitory account.

### Claim 20 (depends on 1)

The at least one machine readable medium of claim 1, wherein the requested action related to the monitory account is a request to transfer money.

### Claim 21 (depends on 1)

The at least one machine readable medium of claim 1, wherein the electronic device includes an EPID security key configured to include both the random state and the named base.

### Claim 22 (depends on 1)

The at least one machine readable medium of claim 1, wherein the electronic device is a physical payment card.