Process for making a payment using an account manager

Details Process for making a payment using an account manager Process for making a payment using an account manager

1996-06-05

2000-01-11

MacDonald, Allen R.

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

380 24, G06F 1760

Patent

active

06014646&

ABSTRACT:
The present invention relates to a process for making a payment using an account manager or kiosk, the process guaranteeing the payment of the supplier and the anonymity of the customer. A customer (U) withdraws from his bank (B) a sum in the form of "blind" electronic coins or cash, deposits the latter in one or more anonymous accounts in a kiosk (K) and finally uses said account or accounts for paying suppliers of goods or services (SA). The invention has application to streamline and voice telepayment.

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Communications of the Association for Computing Machinery, vol. 28, No. 10, pp. 1030-1044, David Chaum, "Security without Identification: Transaction Systems to make Big Brother Obsolete", Nov. 1985.
Proceedings Esorics '94/Lecture Notes in Computer Science, vol. 875, Brighton, UK, pp. 207-215, Jan L. Camenisch et al., "An Efficient Electronic Payment System Protecting Privacy", Oct. 1994.
Scientific American, vol. 267, No. 2, pp. 76-81, David Chaum, "Achieving Electronic Privacy", Aug. 1992.
Tatsuaki Okamoto et al., Universal Electronic Cash, pp. 324-337, J. Feigenbaum, Santa Barbara, Aug. 1991.
Advances in Cryptology, Santa Barbara, S. Goldwasser, pp. 319-327, David Chaum et al., "Untraceable Electronic Cash", Aug. 1988.
Computer & Security International Journal Devoted to the Study of Technical and Financial Aspects of Computer Security, vol. 9, No. 8, pp. 715-721, Burk et al., "Value Exchange Systems Enabling Security and Unobservability", Dec. 1990.

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