WO2014040717A1 - Transfert d'une somme d'argent électronique (monnaie) d'un porte-monnaie à un autre - Google Patents

Transfert d'une somme d'argent électronique (monnaie) d'un porte-monnaie à un autre Download PDF

Info

Publication number
WO2014040717A1
WO2014040717A1 PCT/EP2013/002698 EP2013002698W WO2014040717A1 WO 2014040717 A1 WO2014040717 A1 WO 2014040717A1 EP 2013002698 W EP2013002698 W EP 2013002698W WO 2014040717 A1 WO2014040717 A1 WO 2014040717A1
Authority
WO
WIPO (PCT)
Prior art keywords
money
amount
wallet
purse
electronic
Prior art date
Application number
PCT/EP2013/002698
Other languages
German (de)
English (en)
Inventor
Helmut Scherzer
Original Assignee
Giesecke & Devrient Gmbh
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 Giesecke & Devrient Gmbh filed Critical Giesecke & Devrient Gmbh
Priority to EP13762404.5A priority Critical patent/EP2896003A1/fr
Publication of WO2014040717A1 publication Critical patent/WO2014040717A1/fr

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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending

Definitions

  • the invention relates to a method for the transfer (transfer) of an electronic money ("electronic coin", "coin”) from a first electronic purse to a second electronic purse.
  • an electronic wallet (sometimes called electronic purse or eWallet), for example, the German so-called money card, is stored against payment in advance of a sum of money in a chip of the purse a stock amount corresponding to the amount of money and also the
  • Amount of money recorded on a shadow account in the background system of the purse When paying a sum of money with the purse to a merchant terminal, the total amount in the wallet is reduced by the amount of money and a record corresponding to the amount of money is transferred to the merchant's terminal. There is no connection to the background system, i. the payment is made "offline.” Only after the close of the box, the dealer terminal settles the money collected from payments with wallets with the background system, only then the account balances of the shadow accounts of all purses, from which payments were accepted, tracked the receipt of funds from a purse It is not possible to transfer money directly from one purse to another, as there is a risk that money may be duplicated in the course of the direct transfer from one purse to another.
  • Electronic purses are mainly used for the payment of small amounts (small amounts) of a few euros, in the field of so-called micropayment. Meanwhile, there are also a number of micropayment systems.
  • BitCoin the customer acquires electronic units in BitCoin currency and The units can redeem for goods from partners who accept the BitCoin currency or sell them again.
  • the BitCoin units are not tied to any physical electronic purse.
  • Bitmint a customer receives a cash payment
  • Bitstring comprising an N (e.g., 32) multiplied by the amount of bytes-long random number.
  • the smallest available unit of 1 cent is an N (e.g., 32) byte long random number.
  • An amount of money of x cents consists of an N * x byte long random number.
  • the bit string can also be stored in a physical data carrier and taken away.
  • WO 2007/106866 A2 describes the transmission of electronic money managed by a financial background system from a sender to a receiver through the financial background system.
  • the sender can send an identifier for the amount of money from the background system and sends the identifier to the recipient.
  • the background system transfers the control over the monetary amount from the sender to the recipient. During the entire payment process, a connection to the background system is required.
  • the invention is based on the object to provide a method for transferring an electronic amount of money (an electronic coin) from a first electronic purse to a second electronic purse, which is secured against both loss and improper duplication of the amount of money.
  • the method of claim 1 is for transmitting an electronic amount of money from a first purse of a sender to a second purse of a recipient provided.
  • the money is transferred from the first electronic purse to the second electronic purse.
  • the amount of money is deducted at the first electronic purse, i. deleted, ie deducted from the total balance of the first wallet, and on the second electronic wallet booked, i. added to the existing balance on the second wallet.
  • the method is characterized in that
  • the amount of money is blocked before being transferred to the second electronic purse, so that the amount of money through the second purse can not be used for a payment; b) the blocked amount of money is transferred from the first electronic purse to the second electronic purse;
  • Blocking the amount of money in step a) lays the foundation for not having the money in two purses at the same time in usable (payable, payable) form. Incidentally, it also causes a third party to steal the money, but can not use it. If the recipient, ie the holder of the second wallet, has not received the amount of money, the sender, ie the holder of the first wallet, can simply send it back to the recipient. On the other hand, once the sender (first purse) has received the receipt has received the transmission according to step e), the transmitter can be sure that the receiver has received the amount of money. Thus, the sender can debit the amount of money in the first purse calmed down (ie delete). The amount of money is thus secured against loss.
  • the sender can also expect to actually receive the acknowledgment from the recipient. Namely, the receiver is motivated to send the acknowledgment to the sender because he still needs the sender's token to unlock the amount of money received. Conversely, the sender would have no benefit in retaining a generated release token instead of sending it to the recipient. Because the amount of money is at the sender, if there is a release token already deleted. A non-ending of the free-go-to-dok would only upset the recipient and prevent him from future dealings with the broadcaster. The amount of money is also secured against duplication at the transmitter. Once the sender has sent the amount of money to the recipient, and once the recipient has received the amount of money, the sender is required to send the release token.
  • the sender only reaches the release token after he has cleared (debited) the amount of money in his (first) wallet. If the sender wants to fulfill his obligation, he must therefore forcibly delete the amount of money and can not keep the amount of money, eg for a second transfer, eg to a third party.
  • the sender preferably keeps the release token with him until he can be sure that the recipient has received the release token. If the recipient has not received the release token, which may occur due to transmission problems between sender and receiver, for example, he will request it again from the sender. The sender can safely retransmit the sharing token as often as necessary. Therefore, according to claim 1, there is provided a method of transferring an electronic money (electronic coin) from a first electronic purse to a second electronic purse, which is secured against loss as well as against improper copying of the money.
  • an electronic money electronic coin
  • the release token is released in response to the clearing of the amount of money.
  • the release token already exists.
  • the release token is generated only in response to the deletion of the amount of money and then released for sending.
  • step a) of sending the money is repeated. Since the money is blocked, resending does not duplicate the money.
  • a release token according to step g) can be generated only at the last amount of money sent. This causes the re-transmission to be an acknowledgment of the first sending of a sum of money and not the sending of a new additional amount of money.
  • the holder of the first wallet can be provided with a choice between either sending the same amount of money again as a confirmation (amount of money is debited only once), or alternatively sending a new amount of money (amount is deducted as often as sent).
  • the second electronic purse causes step h) of the release token to be sent to the first purse is repeated.
  • the second wallet sends a request to the first wallet as many times as necessary to resend the release token until the release token arrives at the second wallet.
  • a secure runtime environment is preferably set up under administration of a first secure operating system
  • a secure runtime environment is set up in the second wallet under the management of a second secure operating system
  • between the secure runtime environment of the first wallet and the secure runtime environment of the second wallet cryptographically secured transmission channel set up.
  • a secure transmission system is formed by the secure runtime environments of the first and second wallet and the cryptographically secured transmission channel.
  • the operations of blocking the amount of money in step a), releasing the release token in step g) and unlocking in step j) are carried out within the secure transmission system, in particular without the possibility of interference of a user of the first wallet and no possibility of action of a user of the second wallet , This ensures particularly reliably that the amount of money and the release can not be sent multiple times so that several recipients can receive it and subsequently unlock it.
  • the amount of money is individualized by marking the amount of money with a unique identifier, in particular a random number, newly generated for each transaction of transferring a sum of money according to step b). This makes each transaction of sending money unique. Sending the money again is a distinguishable new process.
  • the amount of money is re-personalized and any existing previously individualized funds are deleted without releasing a release token for transmission to the second purse.
  • Each retransmission with a newly individualized amount of money and a subsequent retention of the release tokens means a confirmation of the same amount of money.
  • the amount of money will, after it has been sent several times, only (at the most) once on the first purse debited.
  • optionally additionally possible new sending of an amount of money with a new generation of a release token causes the amount of money to be debited and sent as often as possible.
  • the amount of money and the release token are tailored to one another in such a way that with the correspondingly individualized release token, only the individualized amount of money blocked according to step a) can be unlocked.
  • step a) the amount of money through operational processing, in particular XOR-ung, with the identifier blocked and at the same time individualized to a blocked, individualized amount of money;
  • step b) the blocked, individualized amount of money is sent;
  • step d) the blocked, individualized amount of money is sent as an acknowledgment of receipt
  • step f) additionally the individualized amount of money deleted
  • step g) the identifier is released as a release token
  • step j) the blocked, individualized amount of money is unlocked with the identifier by operational processing, in particular renewed XOR-ung.
  • a random number can be provided.
  • an encryption with a session key can be provided as operational processing that simultaneously brings about blocking and individualization.
  • step b on the occasion of the blocking of a cash amount according to step a) or on the occasion of the transfer of a cash amount in step b), it is checked whether one or more release tokens are stored in the first wallet, and release tokens stored in the first wallet are deleted. This ensures that share tokens can not be used multiple times to unlock multiple different amounts of money.
  • a symmetrical or asymmetrical key pair is generated with an encryption key and a decryption key, wherein further: in step a) the amount of money is blocked by means of the encryption key, in particular by encrypting the amount of money with the encryption key; in Step g) is released in response to debiting the amount of the decryption keys as release tokens at the first electronic purse for transmission to the second electronic purse; and in step h) the blocked amount of money is unlocked, in particular decrypted, with the decryption key in the second electronic purse.
  • the encryption key and the decryption key are identical; in the asymmetrical variant, they are identical.
  • the key pair is kept in a secure transmission system, as stated above, in particular without accessibility of a user of the first purse and without access of a user of the second purse to the key pair.
  • a new key pair is generated for each transaction of blocking of a cash amount according to step a), so that the release token generated according to step g) is usable only at most for unlocking the associated amount of money previously transferred in step b).
  • keys encryption and decryption keys
  • session keys are generated which are usable only once.
  • Fig. 1 shows a system for illustrating the invention
  • Fig. 2 shows another system for illustrating the invention.
  • FIG. 1 shows a first electronic wallet (eWallet) A implemented in a mobile telephone and an implemen- tation in another mobile telephone.
  • second money wallet (e Wallet) B A sum of money G, a coin (analogously an electronic coin), is to be teleported from A to B.
  • the first purse A locks the amount of money G so as to be unlockable with a release token FT, and sends the restricted amount of money G / FT together with a random number as the identifier ID to the second purse B.
  • the second purse B stores the locked coin G. / FT and sends to the first purse A an acknowledgment EB / ID, which includes the identifier ID.
  • the first wallet A clears the amount of money G in it.
  • a release token appears in the first wallet A.
  • the first purse A sends the release token FT together with the identifier ID to the second purse B.
  • the second purse B identifies that the identifier ID of the release token FT matches the identifier ID of the previously stored restricted amount G, and unlocks the amount of money G with the release token FT.
  • FIG. 2 shows a system similar to that shown in FIG. In the system of Fig. 2, the amount of money G COIN is thereby locked in the first wallet A and simultaneously individualized to be encrypted with a public session key SKPUK derived from the public key PUK of an asymmetrical key pair to ENC Coin (SKPUK).
  • the thus encoded monetary amount G * ENC Coin (SKPUK) is sent to the second purse B, together with the public public session key SKPUK.
  • the second wallet B sends d) the public session key SKPUK as a receipt EB back to the first wallet A.
  • the amount of money G f) is cleared and then the private session key SKPRK g) corresponding to the public session key SKPUK is released and h) sent to the second purse.
  • the amount of money G is now freely available at the second wallet B and deleted successfully at the first wallet A.
  • Each session key SKPUK, SKPRK can only be used for a single transfer of a monetary amount, for example, by deriving the key PUK or PRK using a random number. This individualization is achieved.
  • the amount of money G has been blocked and individualized by encryption with a session key SKPUK.
  • the amount of money can be locked and unlocked by encryption with a symmetric key, in particular session key.
  • acknowledgment of receipt e.g. a hash over the symmetric
  • Keys in particular session keys, are used.
  • the key or session key is used for decryption.
  • the amount of money can be locked and customized by encrypting with an identifier ID, in particular a random number RND, to GxID.
  • the acknowledgment of receipt is GxID.

Landscapes

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

Abstract

L'invention concerne un procédé de transfert d'une somme d'argent électronique (G) d'un premier porte-monnaie électronique (A) à un deuxième porte-monnaie électronique (B). La somme d'argent (G) est débitée du premier porte-monnaie électronique (A) et créditée au deuxième porte-monnaie électronique (B). La somme d'argent est bloquée avant le transfert et débitée du premier porte-monnaie une fois le transfert effectué. En réponse au débit, un jeton de validation est généré et envoyé au deuxième porte-monnaie, où il est utilisé pour débloquer la somme d'argent.
PCT/EP2013/002698 2012-09-11 2013-09-09 Transfert d'une somme d'argent électronique (monnaie) d'un porte-monnaie à un autre WO2014040717A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP13762404.5A EP2896003A1 (fr) 2012-09-11 2013-09-09 Transfert d'une somme d'argent électronique (monnaie) d'un porte-monnaie à un autre

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102012017875.1 2012-09-11
DE102012017875 2012-09-11

Publications (1)

Publication Number Publication Date
WO2014040717A1 true WO2014040717A1 (fr) 2014-03-20

Family

ID=49170650

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2013/002698 WO2014040717A1 (fr) 2012-09-11 2013-09-09 Transfert d'une somme d'argent électronique (monnaie) d'un porte-monnaie à un autre

Country Status (2)

Country Link
EP (1) EP2896003A1 (fr)
WO (1) WO2014040717A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104376455A (zh) * 2014-12-04 2015-02-25 苏州海博智能系统有限公司 一种银行卡转账支付的方法
US10839378B1 (en) 2016-01-12 2020-11-17 21, Inc. Systems and methods for performing device authentication operations using cryptocurrency transactions
US11068884B2 (en) 2014-12-04 2021-07-20 Hierstar (Suzhou)., Ltd. E-wallet transfer payment method and system based on PKI smart card
US11526877B2 (en) 2015-10-22 2022-12-13 Coinbase, Inc. Electronic devices having embedded circuitry for accessing remote digital services

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995004417A1 (fr) * 1993-08-02 1995-02-09 Stefanus Alfonsus Brands Signatures cachees a acces limite

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995004417A1 (fr) * 1993-08-02 1995-02-09 Stefanus Alfonsus Brands Signatures cachees a acces limite

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
HEINZ KREFT ET AL: "Wallet Based E-Cash System for Secured Multi-hop Cash Exchange", INFORMATION AND COMMUNICATION TECHNOLOGIES: FROM THEORY TO APPLICATIONS, 2008. ICTTA 2008. 3RD INTERNATIONAL CONFERENCE ON, IEEE, PISCATAWAY, NJ, USA, 7 April 2008 (2008-04-07), pages 1 - 5, XP031258129, ISBN: 978-1-4244-1751-3 *
KREFT HEINZ: "fairCASH based on loss resistant teleportation", 28 October 2010 (2010-10-28), pages 1 - 233, XP002659411, Retrieved from the Internet <URL:http://faircash.org/fileadmin/dateien/fairCASH_Dissertation.pdf> [retrieved on 20110916] *

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104376455A (zh) * 2014-12-04 2015-02-25 苏州海博智能系统有限公司 一种银行卡转账支付的方法
WO2016086723A1 (fr) * 2014-12-04 2016-06-09 苏州海博智能系统有限公司 Procédé de paiement par virement par carte bancaire
US11068884B2 (en) 2014-12-04 2021-07-20 Hierstar (Suzhou)., Ltd. E-wallet transfer payment method and system based on PKI smart card
US11526877B2 (en) 2015-10-22 2022-12-13 Coinbase, Inc. Electronic devices having embedded circuitry for accessing remote digital services
US10839378B1 (en) 2016-01-12 2020-11-17 21, Inc. Systems and methods for performing device authentication operations using cryptocurrency transactions

Also Published As

Publication number Publication date
EP2896003A1 (fr) 2015-07-22

Similar Documents

Publication Publication Date Title
EP0992025B1 (fr) Procédé de transaction utilisant un élément d&#39;identification portatif
DE69632482T2 (de) Elektronisches geldsystem ohne ursprungserkennung
DE102009038645A1 (de) Verfahren und tragbarer Datenträger zum Übertragen eines geldwerten Betrages in Form eines elektronischen Datensatzes zwischen einer ersten nichtzentralen Instanz und einer zweiten nichtzentralen Instanz
WO2016008659A1 (fr) Procédé et dispositif pour la sécurisation d&#39;accès à des portefeuilles dans lesquels sont consignées des crypto-monnaies
DE102011122767A1 (de) Verfahren zur Bezahlung mit mindestens einem elektronischen Zahlungsmittelschlüssel
EP3559883A1 (fr) Système de paiement hors ligne en argent électronique avec un appareil mobile avec un temps de transaction et un règlement de clôture courts
DE102009034436A1 (de) Verfahren und System zum Bezahlen mit geldwerten Beträgen in Form elektronischer Datensätze
AT512070A1 (de) Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
EP3956845A1 (fr) Dispositif pour le transfert direct d&#39;ensembles de données de pièces de monnaie électroniques vers un autre dispositif et système de paiement
AT511626B1 (de) Verfahren und vorrichtung zum durchführen von bargeldlosen zahlungen
DE69829635T2 (de) Schützen von Transaktionsdaten
EP2896003A1 (fr) Transfert d&#39;une somme d&#39;argent électronique (monnaie) d&#39;un porte-monnaie à un autre
EP4111348A1 (fr) Procédé de transmission directe de jeux de données de pièces de monnaie électroniques entre terminaux, système de paiement, système de protection et unité de surveillance
DE60313087T2 (de) Sichere Übertragung digitaler Wertmarken
DE102005008610A1 (de) Verfahren zum Bezahlen in Rechnernetzen
CN111598556A (zh) 一种数字货币交换方法、装置、设备和介质
WO2023011761A1 (fr) Élément de sécurité, procédé d&#39;enregistrement de jetons et registre de référence de jeton
WO2023036458A1 (fr) Procédé et système de transaction pour transmettre des jetons dans un système de transaction électronique
DE69636612T2 (de) Zahlungsverfahren in einer Datenübertragungsanordnung und Anordnung zu dessen Implementierung
EP2907093B1 (fr) Chargement et dépense d&#39;un montant d&#39;argent électronique
WO2022233454A1 (fr) Procédé d&#39;enregistrement d&#39;un ensemble de données de pièces électroniques dans un registre de pièces ; registre de pièces ; unité d&#39;abonné et produit de programme d&#39;ordinateur
WO2023011756A1 (fr) Élément sécurisé, procédé d&#39;enregistrement de jetons et registre de référence de jeton
EP4179489A1 (fr) Procédé, terminal et registre de pièces pour transmettre des jeux de données de pièces électroniques
DE102006017911A1 (de) Elektronisches Bezahlsystem und Verfahren zum Ausführen eines Bezahlvorgangs
EP4111347A1 (fr) Procédé de transmission directe d&#39;ensembles de données de pièce de monnaie électronique entre terminaux, système de paiement, système de protection et entité de surveillance

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 13762404

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 2013762404

Country of ref document: EP