SYSTEM AND METHOD FOR TRANSFERRING ELECTRONIC MONEY

• US 20140156529A1
• Filed: 04/19/2013
• Published: 06/05/2014
• Est. Priority Date: 12/03/2012
• Status: Abandoned Application

• Current Assignee: The Roberto Giori Company Limited
• Original Assignee: The Roberto Giori Company Limited
• Inventors: PINAULT, Francis
• Application Number:
  US13/866,130
• Publication Number:
  US 20140156529A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/065 using e-cash
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present invention concerns a system and method for transferring electronic money. More particularly, it relates to improving the checking method used to validate the transfer at a central server. Furthermore the proposed solution improves the traceability of the operations. It is also proposed a data record to implement efficiently the electronic money. Its purpose is to make the check of the consistency of the history of transactions related to a particular electronic banknote easier. The proposed solution minimizes the access to the database by embedding the history of transaction within the coding of the electronic banknote itself.

Claims

1. A data record (FIG. 2) representing an electronic banknote comprising:

an identifier (2.2) of the electronic banknote;

characterized in that it further comprises embedded within the data record;

the history of the transactions (2.1, 2.4, 2.5) involving said electronic banknote.

2. A data record according to claim 1, characterized in that the history of transaction is represented by:

a field (2.1) containing the number of transactions; and

for each transaction a data record (2.4, 2.5) representing the transaction.

3. A data record according to claim 1, characterized in that the history of transaction is represented by:

a field (2.1) containing the length of said data record representing the electronic banknote; and

for each transaction a data record (2.4, 2.5) representing the transaction.

4. A data record according to claim 2, characterized in that the data record (FIG. 3) representing the transaction comprises:

an identifier (3.1) of the electronic banknote;

an identifier (3.3) of the emitter in the transaction;

an identifier (3.4) of the recipient in the transaction;

the face value (3.2) of the electronic banknote;

the date (3.5) of the transaction; and

the time (3.6) of the transaction.

5. A data record according to claim 4, characterized in that the data record (FIG. 3) representing the transaction further comprises:

the location (3.7) of the transaction.

6. A data record according to claim 4, characterized in that the data record (FIG. 3) representing the transaction further comprises:

a control sum (3.8) of said data record representing the transaction.

7. A data record according to claim 4, characterized in that the data record (FIG. 3) representing the transaction further comprises:

a digital signature (3.8) of said data record representing the transaction by an authority managing the electronic banknote.

8. A data record according to claim 2, characterized in that the data record representing the transaction comprises:

a reference of a data record representing the transaction within a database.

9. A method for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises by a server (1.1):

a step of receiving a request (4.4) from the emitter (1.4) including the identifier of the emitter, the identifier of the receiver and a data record according to claim 1 representing the electronic banknote to be transferred;

a step (4.5) of validating the data record representing the electronic banknote;

a step (4.5) of generating the outstanding transaction;

a step (4.5) of integrating the outstanding transaction in an updated data record representing the electronic banknote;

a step of sending a request (4.6) to the recipient (1.6) for validation including the updated data record representing the electronic banknote;

a step of receiving an acknowledgment (4.8) of the transaction from the recipient (1.6); and

a step (4.9) of validating the transaction.

10. A method according to claim 9, characterized in that the step of validating the data record comprises:

a step of validating the emitter identifier;

a step of validating the integrity and coherency of the history of transaction; and

a step of validating the recipient identifier.

11. A method according to claim 9, characterized in that it further comprises:

a step of creating a user identifier in the server for the recipient when the recipient is not already known.

12. A method for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises by a mobile device (1.4) of the emitter:

a step (4.3) of generating a request including the identifier of the emitter, the identifier of the receiver and a data record according to claim 1 representing the electronic banknote to be transferred;

a step (4.4) of sending said request to the server (1.1);

a step (4.10) of receiving an acknowledgment from the server; and

a step (4.12) of updating the virtual wallet of the emitter by removing the transferred electronic banknote.

13. A method according to claim 12, characterized in that it further comprises:

a step (4.1) of sending to the mobile device of the recipient a request for the identifier of the recipient; and

a step (4.2) of receiving from the mobile device of the recipient the requested identifier.

14. A method for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises by a mobile device (1.4) of the recipient:

a step (4.6) of receiving a validation request including the identifier of the emitter and a data record according to claim 1 representing the electronic banknote to be transferred;

a step (4.7) of validating said validation request;

a step (4.8) of sending an acknowledgment to the server; and

a step (4.13) of updating the virtual wallet of the recipient by adding the transferred electronic banknote.

15. A method according to claim 14, characterized in that it further comprises:

a step (4.1) of receiving from the mobile device of the emitter a request for the identifier of the recipient; and

a step (4.2) of sending to the mobile device of the emitter the requested identifier.

16. A server device for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises:

means for receiving a request (4.4) from the emitter (1.4) including the identifier of the emitter, the identifier of the receiver and a data record according to claim 1 representing the electronic banknote to be transferred;

means for validating the data record representing the electronic banknote;

means for generating the outstanding transaction;

means for integrating the outstanding transaction in an updated data record representing the electronic banknote;

means for sending a request (4.6) to the recipient (1.6) for validation including the updated data record representing the electronic banknote;

means for receiving an acknowledgment (4.8) of the transaction from the recipient (1.6); and

means for validating the transaction.

17. A mobile device for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises:

means for generating a request including the identifier of the emitter, the identifier of the receiver and a data record according to claim 1 representing the electronic banknote to be transferred;

means for sending said request to the server (1.1);

means for receiving an acknowledgment from the server; and

means for updating the virtual wallet of the emitter by removing the transferred electronic banknote.

18. A mobile device for handling an electronic banknote transaction between an emitter and a recipient, characterized in that it comprises:

means for receiving a validation request including the identifier of the emitter and a data record according to claim 1 representing the electronic banknote to be transferred;

means for validating said validation request;

means for sending an acknowledgment to the server; and

means for updating the virtual wallet of the recipient by adding the transferred electronic banknote.

19. A computer program product for a programmable apparatus, the computer program product comprising a sequence of instructions for implementing a method according to claim 9, when loaded into and executed by the programmable apparatus.

20. A computer-readable storage medium storing instructions of a computer program for implementing a method according to claim 9.