EP 1012762 A1 20000628 - MICROPROCESSOR CARD PAYMENT SYSTEM

Title (en)

MICROPROCESSOR CARD PAYMENT SYSTEM

Title (de)

Mikroprozessor-Kartenzahlungssystem

Title (fr)

SYSTEME DE PAIEMENT PAR CARTE A MICROPROCESSEUR

Publication

EP 1012762 A1 20000628 (EN)

Application

EP 97954503 A 19971203

Priority

SG 9700065 W 19971203
SG 1996011524 A 19961204

Abstract (en)

[origin: WO9825220A1] The present invention is a system for implementing electronic payment with a tamper resistant microprocessor card (230). The microprocessor card (230) generates joint signatures under a joint digital signature scheme which derives its secret signature key from secret values (240, 250) contributes by different parties such as user, bank and service provider of electronic commerce. The joint signature is used to certify (260) the payment among other information. It follows that no one party has complete knowledge of the secret signature keys (240, 250) of the other parties; therefore, the use of joint digital signature in conjuction with microprocessor card (230) provides unprecedented security. The present invention also defines a protocol including payment, deposit, withdrawal and account opening (200) in providing added protection against potential security attacks. Above all, the protocol also supports off-line payment transactions, thus allowing transaction to be conducted scalably and economically over various forms of electronic networks, including unsecured ones.

IPC 1-7

G06F 17/60; H04L 9/32; G07F 7/10; H04L 9/30

IPC 8 full level

G06Q 20/00 (2012.01); G07F 7/08 (2006.01); G07F 7/10 (2006.01)

CPC (source: EP)

G06Q 20/04 (2013.01); G06Q 20/341 (2013.01); G06Q 20/355 (2013.01); G06Q 20/363 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/388 (2013.01); G06Q 20/40975 (2013.01); G07F 7/0866 (2013.01); G07F 7/1008 (2013.01)

Designated contracting state (EPC)

DE FR GB

DOCDB simple family (publication)

WO 9825220 A1 19980611; AU 5893598 A 19980629; EP 1012762 A1 20000628; EP 1012762 A4 20010124; SG 64957 A1 19990525

DOCDB simple family (application)

SG 9700065 W 19971203; AU 5893598 A 19971203; EP 97954503 A 19971203; SG 1996011524 A 19961204