Electronic cash system

• US 5,224,162 A
• Filed: 06/08/1992
• Issued: 06/29/1993
• Est. Priority Date: 06/14/1991
• Status: Expired due to Term

• Current Assignee: Nippon Telegraph and Telephone Corporation
• Original Assignee: Nippon Telegraph and Telephone Corporation
• Inventors: Ohta, Kazuo, Okamoto, Tatsuaki
• Primary Examiner(s): Swann, Tod R.
• Application Number:
  US07/895,036
• Time in Patent Office: 386 Days
• Field of Search: 380/23, 380/24, 380/25, 380/30, 380/49, 235/379, 235/381, 340/825.31, 340/825.34, 902/2, 902/7, 902/22, 902/26, 902/27, 902/28
• US Class Current: 705/69
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G07F 7/1016 Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3249 using RSA or related signature schemes, e.g. Rabin scheme
• CPC Class Codes: H04L 9/3257 using blind signatures

Abstract

In an electronic cash system, K sets of blind signature information are derived from secret information containing identification information of a user, K/2 sets of them are opened and a bank attaches a blind signature to the remaining K/2 sets of information. The user obtains a signed license from the blind signature. The user generates blind signature information from the license and a desired amount of money and gets a blind signature of the bank to the blind signature information and obtains electronic cash signed by the bank from the blind signature. The user presents to a shop a residue power root of a node in a money hierarchial structure and the electronic cash, corresponding to the amount of money to be used, and the shop verifies their validity and, if they are valid, offers inquiry information to the user. The user offers, as response information, a residue power root of the node corresponding to the amount of money to be used to the shop. The shop verifies the validity of the response information and, if it is valid, acknowledges the payment with electronic cash of the amount of money to be used.

Claims

1. An electronic cash system wherein a user who possesses electronic cash and a license issued from a bank uses said electronic cash, including:

Step 1 wherein said user furnishes a shop with information containing a composite number, said electronic cash and said license, said composite number being the product of at least two prime numbers;

Step 2 wherein said shop verifies the validity of said license and said electronic cash and, if they are valid, creates and offers inquiry information to said user;

Step 3 wherein said user calculates, following said inquiry information, a residue power root of a function using said composite number as a modulo and provides it as response information to said shop; and

Step 4 wherein said shop uses said composite number to verify the validity of said response information.

4. The electronic cash system of claim 1 wherein said composite number is the Williams integer.

5. The electronic cash system of claim 1 or 2 wherein when said user opens an account with said bank, said user performs:

step S1 wherein said user produces K sets of first blind signature information by blind processing of secret information containing identification information of said user by a random number, K being an integer equal to or greater than 2;

step S2 wherein said bank makes said user open L sets of said blind signature information and, if said opened pieces of information are correct, attaches a blind signature to the remaining unopened K-L sets of said first blind signature information and transmits them to said user, L being greater than 2 but smaller than K;

step S3 wherein said user calculates the signature of said bank to said user information from said blind signature received from said bank, thereby obtaining said signed user information as said licence; and

wherein when said user withdraws electronic cash of a certain face value from said bank, said user performs;

step S4 wherein said user produces authentication information containing said license and generates second blind signature information by blind processing of said authentication information by a public key corresponding to the face value of said electronic cash to be withdrawn and transmits said second blind signature information to said bank;

step S5 wherein said bank attaches a blind signature to said second blind signature information, using a secret key corresponding to the amount of money to be withdrawn and transmits said signed second blind signature information to said user; and

step S6 wherein said user calculates the signature of said bank to said authentication information from said blind signature received from said bank and uses said signed authentication information as said electronic cash.

6. The electronic cash system of claim 1 or 3 wherein said shop transmits all communications between said user and said shop to said bank to settle an account, said bank verifies the validity of said communications and, if they are valid, stores them in a memory and when the same electronic cash is used fraudulently, said bank calculates secret information of said user used for the generation of said license.

10. The electronic cash system of claim 6 wherein said bank makes a check to see if the same electronic cash as that in information received from said shop has already been stored in said memory, and if so, checks whether said two pieces of response information attached to said two pieces of electronic cash have portions which do not match, and if so, said bank factorizes a number corresponding to said portion to prime numbers to obtain the identification number of said user.

2. An electronic cash system wherein a user uses a license and electronic cash issued from a bank, including:

Step 1 wherein said bank establishes a hierarchial structure table which is a tree having a plurality of levels and in which one node corresponding to the face value of said electronic cash issued to said user is set to the highest level and nodes of lower levels are sequentially branched from said node of the highest level in a tree form, and a unit value is made to correspond to each node so that the unit value corresponding to a desired node is equal to the total sum of the unit values of immediately descendant nodes branched therefrom;

Step 2 wherein said user selects a combination of nodes corresponding to the amount of money used from said hierarchial structure table in accordance with the following restrictions;

(a) Once a node is used, all of its ancestor and descendant nodes should not be used thereafter; and

(b) Each node should not be used more than once; and

Step 3 wherein said user creates amount of money information corresponding to each of said selected nodes and offers it to said shop together with said electronic cash and said license.

3. The electronic cash system of claim 2 wherein:

in the case of paying with said electronic cash at said shop, said user provides residue power roots corresponding to said selected nodes, as said amount of money information to said shop in said step 3;

said shop verifies the validity of said license and said electronic cash and, if they are valid, provides inquiry information to said user;

said user generates response information corresponding to said inquiry information from said shop by obtaining residue power roots of values corresponding to said nodes in said hierarchial structure table and then provides said response information to said shop; and

said shop verifies the validity of said response information from said user and, if it is valid, allows the payment with said electronic cash of said amount of money used.

7. The electronic cash system of claim 2 wherein when said user, who is a first user, transfers said electronic cash to a second user with a license in said step 3, said first user defines a node corresponding to the amount of money of said electronic cash to be transferred in said hierarchial structure table and provides to said second user said electronic cash and a residue power root of the value corresponding to said node corresponding to said amount of money to be transferred;

said second user verifies the validity of said electronic cash and provides inquiry information to said first user;

said first user generates response information corresponding to said inquiry information from said second user by obtaining a residue power root of the value corresponding to said node in said hierarchial structure table and offers said response information to said second user;

said second user verifies the validity of said response information from said first user and, if it is valid, shows said license of his own to said first user;

said first user generates, as a deed of transfer, a residue power root corresponding to information containing the node position representing said amount of money to be transferred, said electronic cash and said license of said second user and provides said deed of transfer to said second user; and

said second user verifies the validity of said deed of transfer and acknowledge the transfer of said electronic cash of said amount of money.

8. The electronic cash system of claim 7 wherein when said second user uses said transferred electronic cash at a shop, said second user determines the amount of money to be used, within said transferred amount of money, determines a node corresponding to said amount of money to be used in said hierarchial structure table corresponding to said transferred electronic cash, offers said electronic cash and said deed of transfer to said shop together with a residue power root of the value corresponding to said node;

said shop verifies the validity of said electronic cash and said deed of transfer and provides inquiry information to said second user;

said second user generates response information corresponding to said inquiry information from said shop by obtaining a residue power root of the value corresponding to said node in said hierarchial structure table and offers said response information to said shop; and

said shop verifies the validity of said response information from said second user and, if it is valid, acknowledge the payment with said electronic cash of said amount of money to be used.

9. The electronic cash system of claim 8 wherein when said shop provides all communications between said second user and said shop to said bank to settle an account;

and said bank verifies the validity of said communications and, if they are valid, stores them in a memory and if said electronic cash is used fraudulently, said bank obtains the identification information of said user by calculating secret information of said user used for the generation of a license.

11. The electronic cash system of claim 3 wherein said shop transmits all communications between said user and said shop to said bank to settle an account;

said bank makes a check to see if the same electronic cash as in information received from said shop has already been stored in said memory, and if so, checks whether at least two nodes used for said two pieces of electronic cash satisfy said restrictions or not, and if not, said bank factorizes numbers corresponding to said two nodes into prime factors to obtain the identification number of said user.