[특허]Method for electronic payment system with issuer control

Method for electronic payment system with issuer control 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	H04L-009/00
출원번호	US-0807167 (1997-02-27)
발명자 / 주소	Bellare Mihir Garay Juan Alberto Jutla Charanjit Singh Yung Marcel Mordechay
출원인 / 주소	International Business Machines Corporation
대리인 / 주소	Whitham, Curtis & WhithamCameron
인용정보	피인용 횟수 : 62 인용 특허 : 0

초록 ▼

A cryptographic method implemented on an electronic communication network interconnecting a plurality of terminals represents funds in a way that is secure at the issuer and secure when funds move from payer to payee and back to the issuer. The cryptographic method mints, issues, pays and redeems funds when transactions are done over the network with the flow and transaction of funds being controlled by an issuer. The method implements electronic money acquisition, transfer of money between users in an unrestricted way and in a way where fraud is impossible cryptographically, and redemption of electronic money to correct real money bank accounts. Funds are handled so that their representation enables the issuer to treat the representation as a physical monetary instrument equivalent to notes or coins.

대표청구항 ▼

[ Having thus described our invention, what we claim as new and desire to secure by Letters Patent is as follows:] [1.] In an open electronic communications network interconnecting a plurality of user terminals and an issuer terminal, a method of exchanging finds between said user terminals comprising the steps of:transmitting a request for funds to be exchanged between a payer and a payee terminal of said user terminals, said request being transmitted to said payer terminal;transmitting a message to said issuer terminal, where said message is encrypted such that the content of said message can only be interpreted by said issuer terminal, where said message when decrypted, indicates a value of said finds to be exchanged between said payer and payee terminals;maintaining a database of valid find representations, each fund representation having an associated unique find identification (ID) and an issued/non-issued field that indicate if a fund representation associated with said unique fund ID is valid, where a single use of a fund representation associated with a unique find ID results in an indication in said database that said find representation may no longer be used;determining by said issuer terminal if said message is valid where said message is valid if a unique find ID and the issued/non-issued field associated with said message in said database indicate that said message is valid, where said request is rejected and invalid if said unique fund ID or the issued/non-issued field associated with said message in said database indicate that said message is invalid; andif said message is determined to be valid, transmitting a new fund representation to said payee, said new fund representation representing said funds to be transferred to said payee, where said new fund representation along with its unique fund ID and indication in the issued/non-issued field that the fund representation has been issued are stored in said database, where said new find representation can only be interpreted and used by said payee.

이 특허를 인용한 특허 (62)

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Sasaki, Shigeru, Electronic money system of token and value mixed type.
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David P. Maher, Method and apparatus for defining private currencies.
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Banaugh, Michelle; Fry, Peggy J.; Potter, David; Wood, George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
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Banaugh,Michelle; Fry,Peggy J.; Potter,David; Wood,George Luis, Method and apparatus for integrated payments processing and decisioning for internet transactions.
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Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting services.
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Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing seller bank receivable discounting aggregation services.
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Zolotorev, Oleg Anatolivich; Kuznetsov, Ivan Vladimirovich; Moshokin, Andrey Gennadievich; Smirnov, Alexandr Leonidovich; Khamitov, Ildar Magafurovich, Method for carrying out transactions and device for realizing the same.
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Zolotorev,Oleg Anatolievich; Kuznetsov,Ivan Vladimirovich; Moshonkin,Andrei Gennadievich; Smirnov,Alexandr Leonidovich; Khamitov,Ildar Magafurovich, Method for making a blind RSA-signature and apparatus therefor.
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Dwyre, Douglas P.; Arthur, Steven E.; Toomer, Christopher L.; Algiene, Kenneth, Methods and systems for bulk activation of multiple, disparate stored value accounts.
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Dwyre, Douglas P.; Arthur, Steven E.; Toomer, Christopher L.; Algiene, Kenneth, Methods and systems for bulk activation of multiple, disparate stored value accounts.
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Pointer, Barry F.; Morea, Dominic; Horsma, Bengt; Wuhrer, Christopher; Myers, Jerome; Ho, Michelangelo R.; Owen, Sarah, Mobile coupon analysis systems and methods.
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Pointer, Barry F.; Morea, Dominic; Horsma, Bengt; Wuhrer, Christopher; Myers, Jerome; Ho, Michelangelo R.; Owen, Sarah, Mobile coupon analysis systems and methods.
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Arthur, Steven E.; Esslinger, Bret M., Multi-card bulk package identifying activation systems and methods.
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Mascavage, III, John Joseph; Weichert, Margaret Morgan; Dravenstott, Robert Edwin, Online purchasing method.
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Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
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Arthur, Steven E., System for activation of multiple cards.
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Arthur, Steven E., System for activation of multiple cards.
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Arthur, Steven E., System for activation of multiple cards.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
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Banaugh, Michelle; Knowlton, Timothy R.; Wood, George L., Transaction ID system and process.
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IPC	Description
A	생활필수품
A62	인명구조; 소방(사다리 E06C)
A62B	인명구조용의 기구, 장치 또는 방법(특히 의료용에 사용되는 밸브 A61M 39/00; 특히 물에서 쓰이는 인명구조 장치 또는 방법 B63C 9/00; 잠수장비 B63C 11/00; 특히 항공기에 쓰는 것, 예. 낙하산, 투출좌석 B64D; 특히 광산에서 쓰이는 구조장치 E21F 11/00)
A62B-1/08	.. 윈치 또는 풀리에 제동기구가 있는 것

내보내기 구분	파일저장 인쇄 메일전송
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저장형식	Text(ASCII format) Excel format PIAS분석(.xls)
메일정보	받는사람 (필수) @ 보내는사람 (선택) @ 제목 내용 KISTI 검색결과 이메일 서비스
안내	총 건의 자료가 검색되었습니다. 다운받으실 자료의 인덱스를 입력하세요. (1-10,000) 검색결과의 순서대로 최대 10,000건 까지 다운로드가 가능합니다. 데이타가 많을 경우 속도가 느려질 수 있습니다.(최대 2~3분 소요) 다운로드 파일은 UTF-8 형태로 저장됩니다. 파일의 내용이 제대로 보이지 않을실 때는 웹브라우저 상단의 보기 -> 인코딩 -> 자동선택 여부를 확인하십시오. ~ Text(ASCII format) Excel format

연합인증

Method for electronic payment system with issuer control 원문보기

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대표청구항 ▼

연구과제 타임라인

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Method for electronic payment system with issuer control 원문보기

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연구과제 타임라인

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이 특허를 인용한 특허 (62)

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