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Method of securely storing and retrieving monetary data

  • US 6,003,764 A
  • Filed: 02/12/1997
  • Issued: 12/21/1999
  • Est. Priority Date: 02/12/1996
  • Status: Expired due to Fees
First Claim
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1. A method of securely storing and retrieving data, the method comprising the steps of:

  • (a) generating a commitment (A) in a terminal;

    (b) sending the commitment (A) from the terminal to an integrated circuit card and an electronic wallet;

    (c) storing the commitment (A) in the electronic wallet;

    (d) receiving the commitment (A) in the integrated circuit card;

    (e) generating, in the integrated circuit card, an identification value (C) and a fingerprint (E) of the identification value (C) which identifies the identification value (C) but from which the identification value (C) cannot be derived;

    (f) sending the fingerprint (E) from the integrated circuit card to the terminal;

    (g) producing, in the terminal, an authenticating value (B) using the received fingerprint (E);

    (h) storing the authenticating value (B) in the electronic wallet;

    (i) retrieving, by the integrated circuit card, the commitment (A) from the electronic wallet;

    (j) regenerating, in the integrated circuit card, the identification value (C) and the fingerprint (E) of the identification value (C);

    (k) resending the fingerprint (E) from the integrated circuit card to the electronic wallet;

    (l) verifying the fingerprint (E) in the electronic wallet; and

    (m) retrieving, by the integrated circuit card, the authenticating value (B) from the electronic wallet.

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