WO2013034278A3 - Verfahren zur bezahlung mit mindestens einem elektronischen zahlungsmittelschlüssel - Google Patents

Verfahren zur bezahlung mit mindestens einem elektronischen zahlungsmittelschlüssel Download PDF

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Publication number
WO2013034278A3
WO2013034278A3 PCT/EP2012/003692 EP2012003692W WO2013034278A3 WO 2013034278 A3 WO2013034278 A3 WO 2013034278A3 EP 2012003692 W EP2012003692 W EP 2012003692W WO 2013034278 A3 WO2013034278 A3 WO 2013034278A3
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WO
WIPO (PCT)
Prior art keywords
payment means
key
means key
verification
payment
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Application number
PCT/EP2012/003692
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English (en)
French (fr)
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WO2013034278A2 (de
Inventor
Norbert PILZ
Karl NOSWITZ
Markus Miller
Original Assignee
Dr. Klein Gmbh & Co. Media Kgaa
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Application filed by Dr. Klein Gmbh & Co. Media Kgaa filed Critical Dr. Klein Gmbh & Co. Media Kgaa
Publication of WO2013034278A2 publication Critical patent/WO2013034278A2/de
Publication of WO2013034278A3 publication Critical patent/WO2013034278A3/de

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    • 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
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Die Erfindung betrifft ein Verfahren zur Bezahlung mit mindestens einem elektronischen Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10), wobei auf einem Serversystem mindestens ein Zahlungsmittelverifizierungsdatensatz mit einem Zahlungswert und mit einem Verifizierungsschlüssel gespeichert ist, wobei jedem gültigen Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10) mindestens ein Zahlungsmittelverifizierungsdatensatz zugeordnet ist, wobei der Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10) an einem Speicherort gespeichert ist, wobei der Speicherort einem Zahlungspflichtigen zur Verfügung steht, mit den folgenden Schritten: + Verbindungsaufbau zwischen einer Datenverarbeitungsanlage eines Zahlungsempfängers und dem Serversystem, + Verbindungsaufbau zwischen einer Datenverarbeitungsanlage des Zahlungspflichtigen und dem Serversystem, + Zuordnen des Zahlungsempfängers und des Zahlungspflichtigen, + Übermitteln des Zahlungsmittelschlüssels (5, 6, 7, 8, 9, 10) an das Serversystem, + Überprüfen der Gültigkeit des Zahlungsmittelschlüssels (5, 6, 7, 8, 9, 10), + Ändern des Verifizierungsschlüssels sowie Erstellen eines neuen, zugeordneten Zahlungsmittelschlüssels (5, 6, 7, 8, 9, 10), im Fall dass der übermittelte und überprüfte Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10) gültig ist, oder + Löschen des Verifizierungsschlüssels sowie Erstellen eines neuen Verifizierungsschlüssels und eines neuen, zugeordneten Zahlungsmittelschlüssels (5, 6, 7, 8, 9, 10), im Fall dass der übermittelte und überprüfte Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10) gültig ist, + wobei der neue Zahlungsmittelschlüssel (5, 6, 7, 8, 9, 10) an einem dem Zahlungsempfänger zur Verfügung stehenden, weiteren Speicherort gespeichert wird oder ist. Das Verfahren eignet sich einerseits für den digitalen Raum, andererseits ist eine lückenlose Rückverfolgung des Zahlungswegs ausgeschlossen und gleichzeitig ist das Verfahren für den Anwender einfach zu handhaben.
PCT/EP2012/003692 2011-09-09 2012-09-04 Verfahren zur bezahlung mit mindestens einem elektronischen zahlungsmittelschlüssel WO2013034278A2 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE201110122767 DE102011122767A1 (de) 2011-09-09 2011-09-09 Verfahren zur Bezahlung mit mindestens einem elektronischen Zahlungsmittelschlüssel
DE102011122767.2 2011-09-09

Publications (2)

Publication Number Publication Date
WO2013034278A2 WO2013034278A2 (de) 2013-03-14
WO2013034278A3 true WO2013034278A3 (de) 2013-09-06

Family

ID=47002810

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Application Number Title Priority Date Filing Date
PCT/EP2012/003692 WO2013034278A2 (de) 2011-09-09 2012-09-04 Verfahren zur bezahlung mit mindestens einem elektronischen zahlungsmittelschlüssel

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DE (1) DE102011122767A1 (de)
WO (1) WO2013034278A2 (de)

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CN109314636B (zh) 2016-02-23 2022-01-11 区块链控股有限公司 用于从区块链中安全提取数据的密码方法和系统
CN108292402B (zh) 2016-02-23 2022-10-04 恩链控股有限公司 用于信息的安全交换的公共秘密的确定和层级确定性密钥
CA3014752A1 (en) 2016-02-23 2017-08-31 nChain Holdings Limited System and method for controlling asset-related actions via a blockchain
GB201613176D0 (en) * 2016-07-29 2016-09-14 Eitc Holdings Ltd Computer-implemented method and system
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GB201707788D0 (en) 2017-05-15 2017-06-28 Nchain Holdings Ltd Computer-implemented system and method
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US11200569B1 (en) 2018-02-12 2021-12-14 Winklevoss Ip, Llc System, method and program product for making payments using fiat-backed digital assets
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US11909860B1 (en) 2018-02-12 2024-02-20 Gemini Ip, Llc Systems, methods, and program products for loaning digital assets and for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain
US10373129B1 (en) 2018-03-05 2019-08-06 Winklevoss Ip, Llc System, method and program product for generating and utilizing stable value digital assets
US10438290B1 (en) 2018-03-05 2019-10-08 Winklevoss Ip, Llc System, method and program product for generating and utilizing stable value digital assets
US11139955B1 (en) 2018-02-12 2021-10-05 Winklevoss Ip, Llc Systems, methods, and program products for loaning digital assets and for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain
US10929842B1 (en) 2018-03-05 2021-02-23 Winklevoss Ip, Llc System, method and program product for depositing and withdrawing stable value digital assets in exchange for fiat
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WO2013034278A2 (de) 2013-03-14
DE102011122767A1 (de) 2013-03-14

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