초록 ▼

A stored value transaction system has a plurality of value storing transfer devices, including at least one local device, collection device, consolidation device and settlement device. First and second transfer devices are provided for performing a value information transfer transaction between each

A stored value transaction system has a plurality of value storing transfer devices, including at least one local device, collection device, consolidation device and settlement device. First and second transfer devices are provided for performing a value information transfer transaction between each other. First and second cryptographic verifiers within the first and second transfer devices, respectively, provide individual first and second secure transaction determinations and permit the value information transfer transaction in accordance with the first and second individual secure transaction determinations. The first and second cryptographic verifiers include respective first and second pluralities of encryption keys. The first and second pluralities of encryption keys have at least one common encryption key whereby both the first secure transaction determination and the second secure transaction determination are made in accordance with the common encryption key. The common encryption key may be a network authority key.

대표청구항 ▼

A stored value transaction system comprising: a plurality of value transferring devices including a value distributing device for distributing cash-equivalent value to a user and a value gathering device for gathering cash-equivalent value from a user, each value transferring device including a memo

A stored value transaction system comprising: a plurality of value transferring devices including a value distributing device for distributing cash-equivalent value to a user and a value gathering device for gathering cash-equivalent value from a user, each value transferring device including a memory for storing value transfer information corresponding to each value transfer; a collection device for performing a value information transfer transaction with at least one of the value transferring devices, the collection device for periodically receiving at least a portion of an accumulated amount of the stored value transfer information from the memory of at least one of the value transferring devices, the collection device including a memory for storing the received accumulated value transfer information; a network consolidation device for performing a value information transfer transaction with the collection device, the network consolidation device for periodically receiving at least a portion of the stored value transfer information from the memory of the collection device, 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 for performing a value information transfer transaction with the consolidation device, the network settlement device being operatively coupled to the consolidation device for receiving at least a portion of the consolidated information from the second memory of the consolidation device, the network settlement device including a first memory for storing the received consolidated information, a processor for performing settlement according to at least a portion of the received consolidated information to produce settlement information, and a second memory for storing the settlement information; each of the plurality of value transferring devices, the collection device, the consolidation device, and the network settlement device having a respective cryptographic verifier for providing a secure transaction determination during each respective value information transfer transaction, each respective value information transfer transaction occurring between a respective transferor and a respective transferee and being permitted in accordance with a transferor secure transaction determination by the respective transferor and in accordance with a transferee secure transaction determination by the respective transferee; each cryptographic verifier including a plurality of encryption keys, each plurality of encryption keys having at least one common encryption key whereby the transferor secure transaction determination and the transferee secure transaction determination are made in accordance with the common encryption key.