초록 ▼

A method of verifying electronic payments generated using a key unknown to the verifier. In anticipation of accepting electronic payments, a seller requests and receives from a bank a conversation key and a first set of electronic verifiers for a first set of electronic payments from a customer. Eac

A method of verifying electronic payments generated using a key unknown to the verifier. In anticipation of accepting electronic payments, a seller requests and receives from a bank a conversation key and a first set of electronic verifiers for a first set of electronic payments from a customer. Each verifier allows authentication of an associated electronic payment without revealing the private key used by the customer to generate the electronic payments. Prior to initiating a transaction or series of transactions, the customer requests payment information from the seller for use, along with the master key, in generating electronic payments Afterward, when the customer pays with an electronic payment, the seller authenticates the electronic payment using one of the verifiers. The seller responds to the buyer's request if the electronic payment is authenticated.

대표청구항 ▼

[ What is claimed is:] [1.] A method of using a machine to verify electronic payments generated by a customer using a private key, the machine including a memory storing instructions of the method in machine readable form, the method comprising:receiving from a bank a first set of k electronic verif

[ What is claimed is:] [1.] A method of using a machine to verify electronic payments generated by a customer using a private key, the machine including a memory storing instructions of the method in machine readable form, the method comprising:receiving from a bank a first set of k electronic verifiers for a first set of k electronic payments from the customer and a conversation key, each verifier allowing authentication of its associated electronic payment without revealing the private key;selecting from the verifiers a random subset of verifiers and storing only the random subset of verifiers;transmitting payment information to the customer for use in generating electronic payments; the payment information including an initializing payment and a first value of a payment index, each value of the payment index associating an electronic payment with a verifier;receiving a request from the customer and an electronic payment associated with a second value of the payment index;authenticating the electronic payment using one of the verifiers by:determining whether the electronic payment will be authenticated by searching the memory for a verifier having an associated value of the payment index matching the value of the payment index for the electronic payment, andcomparing a first hash of a first string including the electronic payment to a verifier having an associated value of the payment index equal to the second value of the payment index; andresponding to the request if the electronic payment is authenticated.