A cryptographic system and method for electronic transactions

Details A cryptographic system and method for electronic transactions A cryptographic system and method for electronic transactions

H - Electricity

04

K

H04K 1/00 (2006.01) G06Q 20/00 (2006.01) G07F 7/08 (2006.01) G07F 7/10 (2006.01) H04L 9/00 (2006.01)

Patent

CA 2329032

An electronic transaction system, which facilitates secure electronic transactions among multiple parties including cardholders (20), merchants (70), and service providers (SP) (60). The system involves electronic cards, commonly known as smart cards, and their equivalent computer software package. The card mimics a real wallet and contains commonly seen financial or non-financial instruments such as a credit card, checkbook, or driver's license. A transaction is protected by a hybrid key cryptographic system and is normally carried out on a public network such as the Internet. Digital signatures and random numbers are used to ensure integrity and authenticity. The card utilizes secret keys such as session keys assigned by service providers (SPs) to ensure privacy for each transaction. The SP is solely responsible for validating each participant's sensitive information and assigning session keys. The only trust relationship needed in a transaction is the one that exists between individual participants and the SP.

L'invention concerne un système de transactions électroniques qui facilite la mise en oeuvre de transactions électroniques sûres entre des parties multiples, notamment des détenteurs (20) de carte, des commerçants (70) et des fournisseurs (60) de services (SP). Le système comporte l'utilisation de cartes électroniques, appelées généralement cartes intelligentes, et de leur progiciel informatique équivalent. La carte a l'apparence d'un portefeuille réel et contient des instruments financiers ou non financiers ordinaires tels qu'une carte de crédit, un carnet de chèques ou un permis de conduire. Une transaction est protégée par un système cryptographique à clé hybride, et est normalement mise en oeuvre sur un réseau public tel que l'Internet. Des signatures numériques et des nombres aléatoires sont utilisés pour garantir l'intégrité et l'authenticité d'une transaction. La carte utilise des clés secrètes telles que des clés de session attribuées par des fournisseurs de services (SP) pour garantir la confidentialité de chaque transaction. Le SP est seul responsable de la validation d'informations sensibles concernant chaque participant, et de l'attribution des clés de session. La seule relation de confiance nécessaire dans une transaction est celle qui existe entre les participants individuels et le SP.

Affiliated with

Also associated with

Rating

A cryptographic system and method for electronic transactions does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with A cryptographic system and method for electronic transactions, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and A cryptographic system and method for electronic transactions will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFCA-PAI-O-1998733