초록 ▼

A system of payment by the transfer of electronic money and especially of electronic cheques with blind signatures comprises an interbank compensation unit, an interbank network, and a verification unit. The interbank compensation unit permits the transfer of electronic money between multiple bank u

A system of payment by the transfer of electronic money and especially of electronic cheques with blind signatures comprises an interbank compensation unit, an interbank network, and a verification unit. The interbank compensation unit permits the transfer of electronic money between multiple bank units in payment of amounts owed therebetween arising from the electronic cheques. The interbank network links the interbank compensation unit to the multiple bank units, and enables the transfer of electronic cheques from a payment terminal to the interbank compensation unit. The verification unit is linked to the interbank compensation unit, and is capable of verifying the authenticity and the non-reutilization of electronic cheques which have already travelled through the interbank network after a first payment.

대표청구항 ▼

[ What is claimed is:] [19.] A system of payment by the transfer of electronic cheques, the system comprising:(A) a payment terminal, said payment terminal being capable of receiving a payment in the form of an electronic cheque and of performing a first test to verify the authenticity of said elect

[ What is claimed is:] [19.] A system of payment by the transfer of electronic cheques, the system comprising:(A) a payment terminal, said payment terminal being capable of receiving a payment in the form of an electronic cheque and of performing a first test to verify the authenticity of said electronic cheque;(B) multiple bank units, including(1) an issuing bank unit, and(2) a collecting bank unit, said collecting bank unit being coupled to said payment terminal and receiving said electronic cheque from said payment terminal;(C) an interbank compensation unit, said interbank compensation unit permitting the transfer of electronic money between said multiple bank units in payment of amounts owed therebetween arising from said electronic cheques;(D) an interbank network, said interbank network linking said interbank compensation unit to said multiple bank units, and said interbank network enabling the transfer of electronic cheques from said collecting bank unit to said interbank compensation unit; and(E) a verification unit, said verification unit being capable of performing a second test to verify the authenticity and the non-reutilization of electronic cheques which have already travelled through said interbank network after a first payment and which have already been authenticated at said payment terminal, said verification unit being linked to said interbank compensation unit.