초록 ▼

A stored value transaction system has a plurality of value storing transfer devices. First and second stored value transaction networks each include at least one local value storing device, at least one consolidation device, and at least one network settlement device. An internetwork value informati

A stored value transaction system has a plurality of value storing transfer devices. First and second stored value transaction networks each include at least one local value storing device, at least one consolidation device, and at least one network settlement device. An internetwork value information transfer device coupled to the first and second stored value transaction networks transfers value information between the internetwork value information transfer device and the first and second stored value networks. Cryptographic verifiers in each of the networks and in the internetwork value transfer device make independent secure transaction determinations and permit transfers according to the determinations. The value information transferred from the consolidation device to the settlement device may be a summary of the information received by the consolidation device. The network settlement device performs settlement based upon the information summary. The transfer devices within the first and second networks have common cryptographic keys.

대표청구항 ▼

A stored value transaction system having a plurality of value storing transfer devices, comprising: first and second stored value transaction networks, each network including: a plurality of value transferring devices including a value distributing device for distributing cash-equivalent value to a

A stored value transaction system having a plurality of value storing transfer devices, comprising: first and second stored value transaction networks, each network including: a plurality of value transferring devices including a value distributing device for distributing cash-equivalent value to a user and a value collecting device for collecting cash-equivalent value from a user, each value transferring device including a memory for storing value transfer information corresponding to each transfer; a consolidation device for periodically receiving the stored value transfer information from the memory of at least one of the value transferring devices, the consolidation device including a first memory for storing the received value transfer information, a processor for consolidating the received value transfer information into consolidated information, and a second memory for storing the consolidated information; and a network settlement device coupled to the consolidation device for receiving the consolidated information from the second memory of the consolidation device, the network settlement device including a first memory for storing the received consolidation information, a processor for performing settlement according to at least a portion of the consolidated information to produce settlement information, and a second memory for storing the settlement information; and an internetwork network device coupled to the first and second networks for interfacing the first and second networks and for receiving at least a portion of the consolidation information from the first memory of the network settlement device of each of the first and second networks, the internetwork network device including a first memory for storing the received consolidation information and a processor for transmitting at least a portion of the received consolidation information from the first network to the second network and at least a portion of the received consolidation information from the second network to the first network.