Method and system of payment by electronic cheque
First Claim
1. A method of offline payment, comprising:
- calculating a first authentication code based on a payment amount and a secret verification key;
calculating a commitment value by an electronic check medium, having a memory and an integrated circuit residing thereon, calculating the commitment value including calculating the commitment value based on the first authentication code and a secret key;
communicating the commitment value to a terminal configured to receive a payment from the electronic check medium;
determining a random/pseudo-random value by the terminal in response to receiving at least the commitment value, the random/pseudo-random value being configured to verify that the electronic check medium is authentic;
communicating the random/pseudo-random value to the electronic check mediumdetermining a second authentication code by the electronic check medium, the second authentication code being based on the random/pseudo-random value;
communicating the second authentication code to the terminal;
verifying the received second authentication code by comparing the second authentication code with the random/pseudo-random value; and
accepting payment from the electronic check medium in response to verifying the second authentication code.
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Abstract
An offline payment method includes communicating a commitment value calculated by an electronic check medium to a terminal configured to receive a payment from the electronic check medium. The commitment value is calculated based on a first authentication code and secret key, wherein the first authentication code is calculated based on a payment amount and secret verification key. The terminal determines and communicates a random/pseudo-random guesstimation to the electronic check medium in response to receiving the verification code, the random/pseudo-random guesstimation being configured to verify that the electronic check medium is authentic. The electronic check medium determines and communicates a second authentication code to the terminal, the second authentication based upon the random/pseudo-random guesstimation. The terminal compares the second authentication with the random/pseudo-random guesstimation to verify the second authentication and accepts payment from the electronic check medium when the second authentication is verified.
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Citations
20 Claims
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1. A method of offline payment, comprising:
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calculating a first authentication code based on a payment amount and a secret verification key; calculating a commitment value by an electronic check medium, having a memory and an integrated circuit residing thereon, calculating the commitment value including calculating the commitment value based on the first authentication code and a secret key; communicating the commitment value to a terminal configured to receive a payment from the electronic check medium; determining a random/pseudo-random value by the terminal in response to receiving at least the commitment value, the random/pseudo-random value being configured to verify that the electronic check medium is authentic; communicating the random/pseudo-random value to the electronic check medium determining a second authentication code by the electronic check medium, the second authentication code being based on the random/pseudo-random value; communicating the second authentication code to the terminal; verifying the received second authentication code by comparing the second authentication code with the random/pseudo-random value; and accepting payment from the electronic check medium in response to verifying the second authentication code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An offline payment system, comprising:
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an electronic check medium, having a memory and an integrated circuit residing thereon, the integrated circuit including; calculating means for calculating commitment value based on a first authentication code and a secret key, for calculating the first authentication code based on a payment amount and a secret verification key, and for calculating a second authentication code based on a random/pseudo-random value; and means for communicating the commitment value and the second authentication code; means for calculating the random/pseudo-random value in response to receiving at least the commitment value, the random/pseudo-random value being configured to verify that the electronic check medium is authentic; means for communicating to the random/pseudo-random value to the electronic check medium; means for verifying the received second authentication code by comparing the second authentication code with the random/pseudo-random value; and means for accepting payment from the electronic check medium in response to verifying the second authentication code. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. An offline payment system, comprising:
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an electronic check medium including; calculating means for calculating a first authentication code based on a payment amount and a secret verification key, for calculating a commitment value based on a first authentication code and a secret key, and for calculating a second authentication code based on a random/pseudo-random value, and communicating means for communicating the commitment value and the second authentication code; and a terminal configured to receive a payment from the electronic check medium, the terminal including; means for determining the random/pseudo-random value in response to receiving at least the commitment value, means for verifying the received second authentication code by comparing the second authentication code with the random/pseudo-random value, means for communicating to the electronic check medium the random/pseudo-random value, and means for accepting payment from the electronic check medium in response to verifying the second authentication code. - View Dependent Claims (17, 18, 19, 20)
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Specification