Cryptography – Particular algorithmic function encoding – Nbs/des algorithm
Patent
1994-01-05
1995-05-30
Swann, Tod R.
Cryptography
Particular algorithmic function encoding
Nbs/des algorithm
380 23, 380 25, 380 49, H04K 100
Patent
active
054209269
ABSTRACT:
Techniques for performing credit-card transactions without disclosing the subject matter of the transaction to the institution providing the credit card. The techniques include the use of a communications exchange so that information and funds may be transferred without the destination for the transfer knowing the source of the information or funds and the use of public key encryption so that each party to the transaction and the communications exchange can read only the information the party or the exchange needs for its role in the transaction. Also disclosed are techniques for authenticating a card holder by receiving personal information from the card holder, using the information to ask the card holder one or more questions, and using the answers to authenticate the card holder.
REFERENCES:
patent: 4949380 (1990-08-01), Chaum
patent: 4996711 (1991-02-01), Chaum
patent: 5224162 (1993-06-01), Okamoto et al.
"Smart Credit Cards", Weinstein, Stephen; Feb. 1984; IEEE Spectrum pp. 43-49 380/24.
"Transaction Completion Code Based on Digital Signatures"; IBM Technical Disclosure Bulletin vol. 28 No. 3 Aug. 85.
Low Steven H.
Maxemchuk Nicholas F.
Paul Sanjoy
AT&T Corp.
Nelson Gordon E.
Swann Tod R.
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