CA2223079A1 - Trusted agents for open distribution of electronic money - Google Patents

Trusted agents for open distribution of electronic money

Info

Publication number
CA2223079A1
CA2223079A1 CA002223079A CA2223079A CA2223079A1 CA 2223079 A1 CA2223079 A1 CA 2223079A1 CA 002223079 A CA002223079 A CA 002223079A CA 2223079 A CA2223079 A CA 2223079A CA 2223079 A1 CA2223079 A1 CA 2223079A1
Authority
CA
Canada
Prior art keywords
trusted agent
money
electronic money
merchant
module
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002223079A
Other languages
French (fr)
Other versions
CA2223079C (en
Inventor
Sholom S. Rosen
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Citibank NA
Original Assignee
Citibank, N.A.
Sholom S. Rosen
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Citibank, N.A., Sholom S. Rosen filed Critical Citibank, N.A.
Publication of CA2223079A1 publication Critical patent/CA2223079A1/en
Application granted granted Critical
Publication of CA2223079C publication Critical patent/CA2223079C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees

Abstract

A system for the open distribution of electronic money is provided having a customer trusted agent associated with a first money module, a merchant trusted agent that established a first cryptographically secure session with the customer trusted agent and associated with a second money module. Where the money modules establish a second cryptographically secure session. The customer trusted agent provides electronic money purchase or sale information and an account credential to the merchant trusted agent, and the merchant trusted agent provides a receipt ticket to the customer trusted agent. The merchant trusted agent accesses an authorization network and initiates an authorization process using information from the electronic money purchase or sale information and the account credential. Upon receiving authorization, the merchant trusted agent initiates a transfer of electronic money from the second money module to the first money module in the case of a purchase, or initiates a transfer of electronic money from the first money module to the second money module in the case of a sale.
CA002223079A 1995-06-07 1996-03-11 Trusted agents for open distribution of electronic money Expired - Fee Related CA2223079C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US08/488,248 US5745886A (en) 1995-06-07 1995-06-07 Trusted agents for open distribution of electronic money
US08/488,248 1995-06-07
PCT/US1996/002569 WO1996041315A1 (en) 1995-06-07 1996-03-11 Trusted agents for open distribution of electronic money

Publications (2)

Publication Number Publication Date
CA2223079A1 true CA2223079A1 (en) 1996-12-19
CA2223079C CA2223079C (en) 2005-03-01

Family

ID=23938951

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002223079A Expired - Fee Related CA2223079C (en) 1995-06-07 1996-03-11 Trusted agents for open distribution of electronic money

Country Status (21)

Country Link
US (1) US5745886A (en)
EP (1) EP0830656B1 (en)
JP (1) JP3390016B2 (en)
KR (1) KR100289956B1 (en)
AT (1) ATE179538T1 (en)
AU (1) AU697632B2 (en)
BR (1) BR9608559A (en)
CA (1) CA2223079C (en)
CZ (1) CZ287663B6 (en)
DE (1) DE69602265T2 (en)
ES (1) ES2132909T3 (en)
HK (1) HK1009193A1 (en)
HU (1) HU220576B1 (en)
MX (1) MX9709725A (en)
NO (1) NO975670L (en)
NZ (1) NZ305540A (en)
PL (1) PL179381B1 (en)
RU (1) RU2145439C1 (en)
SI (1) SI9620073A (en)
SK (1) SK167397A3 (en)
WO (1) WO1996041315A1 (en)

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