Methods and apparatus for creating and storing secure customer receipts on smart cards

摘要

A system for creating, storing and retrieving secure transaction receipts. These transaction receipts may be stored on portable electronic media that can be carried by a consumer. Each transaction record contains information detailing the product or service purchased as well as a merchant ID and a customer (or other user) ID and an encrypted signature created from that data. The data can be further protected by the use of an optional user password. Examples of suitable portable storage media are personal computer diskettes, magnetic stripe cards or smart cards. The secure electronic transaction receipts may be used as substitutes for paper receipts. The portable electronic media is capable of storing a large plurality of such transaction records, thus simplifying a number of record keeping procedures, such as expense reporting and data entry for personal finance programs.