Method for tracing payment data in an anonymous payment system

• US 5,924,084 A
• Filed: 07/05/1996
• Issued: 07/13/1999
• Est. Priority Date: 07/06/1995
• Status: Expired due to Fees

• Current Assignee: Koninklijke KPN NV
• Original Assignee: Koninklijke KPN NV
• Inventors: De Rooij, Peter Jacobus Nicolaas
• Primary Examiner(s): MacDonald, Allen R.
• Assistant Examiner(s): Kanof, Pedro R.
• Application Number:
  US08/675,826
• Time in Patent Office: 1,103 Days
• Field of Search: 395/240, 364/406, 364/408, 364/401, 235/379, 380/23, 283/58, 283/70, 902/24, 705/39, 705/40
• US Class Current: 705/39
• 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3678 e-cash details, e.g. blinded, divisible or detecting double spending
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The invention relates to a method for tracing payment data in an anonymous payment system having electronic payment means, such as so-called "smart cards". According to the invention, the user commits himself to a value (w) which may later be used for the tracing by a payment institution. The value (w) is preferably recorded with the help of a so-called one-way function (F) and an (electronic) signature (σ), so that the payment institution does not dispose of the value itself, but is able to verify it on the basis of the stored derivative (w") of the value. The invention further relates to a payment means and a payment system for application of the method.

Claims

1. A method for tracing payment data in an anonymous payment system, the payment system having an electronic payment means associated with each particular user and a payment institution, comprising:

establishing an identity value associated with each particular user and his electronic payment means;

using each electronic payment means for deriving payment identification values from the identity value for making electronic payment transactions with the associated electronic payment means;

deriving a modified value from the identity value that does not reveal the identity of the particular user and transmitting the modified value to the payment institution;

storing the modified value transmitted by each particular user at the payment institution; and

permitting tracing of successfully completed electronic payment transactions by a particular electronic payment means when an associated particular user causes the transmitting of the identity value to the payment institution, said tracing comprising,

verifying the transmitted identity value by deriving a second modified value from the received identity value,

comparing the derived second modified value with the previously stored modified value, and

identifying successfully completed electronic payment transactions associated with the particular payment means by further deriving tracing payment identification values from the verified transmitted identity value.

2. The method according to claim 1, wherein the deriving of the modified value is done by using at least a one-way function.

3. The method according to claim 1, wherein the deriving of the modified value is done by using at least a digital signature function.

4. The method according to claim 1, wherein the deriving of the modified value is done by using at least a one-way function and a digital signature function.

5. The method according to claim 1, further comprising carrying out said tracing after a request by the payment institution.

6. The method according to claim 1, wherein the establishing of the identity value includes establishing an included money value.

7. The method according to claim 1, further comprising carrying out the deriving of the modified value and the transmitting thereof to the payment institution for storage after every n electronic payment transactions, where n≧

1.

8. The method according to claim 1, further comprising recording amounts corresponding with the tracing payment identification values.

9. The method according to claim 8, further comprising the step of refunding the user with the difference between the sum of any paid amount at the moment of issuing the modified value and the balance remaining after deductions based upon traced fully successful electronic payment transactions associated with the user of the particular payment means.

10. A payment device for use with a payment institution in an anonymous payment system, the payment device comprising:

an integrated circuit portion arranged for driving payment identification values for making electronic payment transactions from a first value stored by a portion of the integrated circuit portion, said first value being configured to permit the identity of an associated user of the payment device to be derived therefrom;

means for deriving a second value from the first value and for transferring the second value to said payment institution, said second value being configured to prevent the identity of the associated user from being derived therefrom without said first value; and

further means for transferring said first value to the payment institution when a request is initiated and when the associated user agrees to the transfer of said first value.

11. The payment means according to claim 10, wherein the means for driving the second value from the first value uses a one-way function and/or a digital signature function.

12. A method for tracing payment data in an anonymous payment system having an electronic payment means associated with each particular user for making electronic transactions and at least one payment institution, comprising:

establishing an identity value associated with each particular user and his particular electronic payment means to enable electronic transactions to be conducted by the particular user with his particular electronic payment means, said identity value being provided in a modified form to protect the anonymity of the particular user to the payment institution for storage thereat; and

performing tracing and detecting of successful transactions involving a particular electronic payment means upon the associated particular user releasing said associated identity value to the payment institution permitting the identity of the particular user to be established using said stored modified form, wherein the releasing of the identity value is performed after a transaction is prematurely broken off to enable the detecting of successful transactions.