Abrégé

A secure digital currency service unit includes a digital currency wallet for a digital currency of a digital currency system; a creation unit configured to create a smart contract in a separate blockchain structure. The separate blockchain structure includes a smart contract for a digital asset, and the digital asset is assignable to a blockchain account of the separate blockchain structure. A digital currency asset management unit of the secure digital currency service unit manages a digital currency asset type in the blockchain structure. The smart contract includes one or more of the digital currency assets of the digital currency asset type, and the digital currency wallet is a collateral digital currency wallet holding the digital currency of the digital currency system as collateral for one or more digital currency assets in the smart contract.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A secure transaction unit includes means for receiving and transmitting one or more tokens; and control means configured to cause a direct exchange of one or more tokens with one or more other secure transaction units in the electronic transaction system, and to send one or more registration requests including token references to a token reference register of the electronic transaction system for registering the tokens in the electronic payment transaction system. Each token reference includes the monetary value of the assigned token, a public key corresponding to the private key of the token-individual key pair, and the token-type information of the assigned token as token reference elements and wherein each token reference being uniquely assigned to a token.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A secure digital currency server, includes an external transaction manager for external digital currency transactions to other digital currency systems, including an external digital currency transaction from the first digital currency system to a target digital currency system using a target digital currency. The external transaction manager is configured to receive a list of exchange candidates from an exchange directory server and to determine at least a first digital currency exchange unit of the exchange candidates. The external transaction manager is configured to provide a transaction route from the first digital currency system via one or more digital currency exchange units of the exchange candidates, including the first digital currency exchange unit, to the target digital currency system.

Classes IPC  ?

• G06Q 40/04 - TransactionsOpérations boursières, p. ex. actions, marchandises, produits dérivés ou change de devises
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A secure token transaction unit includes: an offline token receiving unit configured for receiving at least one offline token of an electronic token transaction system from at least one other secure token transaction unit of the electronic token transaction system; an offline token storage unit configured for storing the received at least one offline token of the electronic token transaction system; wherein in a collector mode of the secure token transaction unit, the received offline token is stored such that its spendability is restricted.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A token register of an electronic token transaction system, includes a token register storage unit for registering/deleting at least one token of the electronic token transaction system, a token registration/deletion request receiving unit for receiving at least one token registration/deletion request from at least one user or from at least one external token registration/deletion check system, a providing unit for providing at least one token registration/deletion check request to at least one external token registration/deletion check system, and a receiving unit for receiving at least one token registration/deletion check response from the at least one external token registration/deletion check system.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

The invention relates to a secure token transaction unit, such as a wallet, hosted within a service provider unit, within an electronic payment transaction system comprising a token reference register, the secure token transaction unit configured to send a token to another token transaction unit or to receive a token from another token transaction unit within the electronic payment transaction system, the secure token transaction unit comprising a control module adapted to perform a dual key control mechanism, wherein the dual key control mechanism thereby enhancing the security that the payment transaction cannot be tampered with, to enable a non-repudiable proof of the payment transaction.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

The invention relates to a secure transaction unit for use in an electronic token transaction system, the secure transaction unit at least comprising: a secure element; and a special secure element for temporary offline storing of history data related to tokens being transacted within offline token transactions; wherein the secure element receives at least one token from another secure element when performing an offline token transaction between the secure element and the other secure element; wherein the special secure element receives directly or indirectly history data related to the received at least one token from the other secure element for temporary offline storing of history data related to the token transaction performed by the secure element; and provides the temporarily stored history data to a token register.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A method is provided for registering tokens of an electronic transaction system, wherein each token of the transaction system contains at least a token value and a private part of a token-specific key pair as token elements. A token reference register and to a transaction system employs features of the method.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A secure transaction unit is for receiving transactions from another secure transaction unit in an electronic payment transaction system. The secure transaction unit includes means for transmitting communication registration data to a remote connecting unit for registering the secure transaction unit at the remote connecting unit via a first communication channel and means for transmitting a request for transaction to the other secure transaction unit via a second communication channel. The request for transaction includes an identification information; means for receiving information from the remote connecting unit for establishing a direct communication channel to the other secure transaction unit; means for receiving transaction from the other secure transaction unit via the direct communication channel.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal

Abrégé

The invention relates to a secure token transaction unit within an electronic payment transaction system, the secure token transaction unit comprising a secure memory for storing a plurality of tokens, wherein each token comprises a token-individual token secret, preferably a private key of a token-individual cryptographic key pair and a token value; a control module which is adapted to: a) generate, for at least two input tokens of the plurality of tokens, a public key using a cryptographic function based on the private key of each token, wherein the token value and the public key form a token reference, resulting in at least two input token references; b) transform the token values of the at least two input tokens to generate at least one output token value, wherein the at least one output token value and at least one output public key form at least one output token reference; c) generate a replacement request comprising, the at least two input token references and the at least one output token reference; d) generate a combined key by combining the private keys of the at least two input tokens; e) sign the replacement request using the generated combined key; and f) send the signed replacement request to a secure token reference register of the electronic payment transaction system. The invention further relates to a terminal device comprising the secure token transaction unit. The invention further relates to a secure token reference register within an electronic payment transaction system, an electronic payment transaction system, a method for assuring the integrity of a central bank digital currency in an electronic payment transaction system, and data structure for storing a signed replacement request.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité

Abrégé

A secure token wallet (11-14) of a transaction system, comprising: a token (21) of the transaction system, wherein a token version of the token (21) is an initial token version; and a token exchange management unit (29) for exchanging tokens in transactions. A token version for the secure token wallet (11-14) can be changed from the initial token version to a new token version. The secure token wallet (11-14) is configured to change (47) the token version for the secure token wallet (11-14), if the new token version is detected (46) in a transaction (45).

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A secure transaction unit, a service provider unit, and an electronic transaction system, wherein the secure transaction unit in an electronic transaction system includes storage means for storing one or more token; and control means configured to establish an online communication with a central unit of the electronic payment transaction system; and receive a blacklist-status in response to the established online communication. All tokens that are currently stored in the storage means are automatically transmitted to an online hosted target secure transaction unit, if the blacklist-status is fulfilled.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A secure register unit within an electronic token transaction system includes input means configured to receive a hash value based on user information; storage means configured to store a link between the received hash value and a secure token transaction unit identifier of a secure token transaction unit of the user. The storage means is configured to store a plurality of the links, and the output means is configured to send the secure token transaction unit identifier upon request from any secure token transaction unit of the electronic token transaction system to the requesting secure token transaction unit. A secure transaction unit, an electronic token transaction system, or a method for providing a lookup service may employ any of the features of the secure register unit.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

The invention relates to a secure service provider unit within an electronic token transaction system. The secure service provider unit comprises a secure transaction unit extension, wherein the secure transaction unit extension is arranged in a communication path of an electronic token transaction between two secure transaction units. The secure transaction unit extension is assigned to one of the two secure transaction units, the secure transaction unit extension is configured to receive an asset token, store the received asset token in a token storage; and receive an accessibility indication that causes the secure transaction unit extension to send the stored asset token. The invention also refers to a secure transaction unit. The invention also relates to an electronic token transaction system in particular an electronic payment transaction system. The invention also relates to a method for secure token transaction in an electronic token transaction system.

Classes IPC  ?

• G06F 7/58 - Générateurs de nombres aléatoires ou pseudo-aléatoires
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/40 - Protocoles réseaux de sécurité
• H04W 12/00 - Dispositions de sécuritéAuthentificationProtection de la confidentialité ou de l'anonymat
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A secure element for providing electronic second-type tokens, and includes an electronic first-type token having a monetary value. The secure element is configured to: generate an electronic second-type token based on the electronic first-type token, wherein the monetary value of the generated electronic second-type token is equal to the monetary value of the electronic first-type token; split the generated electronic second-type token into two or more electronic second-type tokens, a split electronic second-type token of the split electronic second-type tokens having the defined monetary value; and send to the second secure element the split electronic second-type token having the defined monetary value.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A secure transaction unit, a token reference register, and an electronic transaction system provided, as well as a method for registering tokens in a token reference register.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A coin management unit of a user, includes: an execution unit for managing digital coin datasets of a digital central bank currency system. The execution unit is adapted to exchange digital coin datasets with other coin management units in transactions and to send registration demands to a coin register of the central bank; and at least one digital coin dataset. The coin management unit is adapted to store conditional transactions as data elements, wherein a transaction is executed when a condition of the stored conditional transaction is satisfied. The coin management unit is further adapted to store the conditional transactions with different read and/or write. A corresponding is associated with a digital central bank currency system.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A low security level transaction unit is provided for managing transactions in an electronic transaction system, with the transactions including a token exchange. The transaction unit includes means for receiving one or more tokens from another transaction unit in a transaction within the electronic transaction system; and means for permanently storing a security level indicator, the security level indicator is configured to indicate the low-security level of the low-security level transaction unit. The security level indicator is transmitted prior to a token exchange with the other transaction unit in an offline transaction scenario.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A secure transaction unit includes means for receiving and transmitting one or more tokens to one or more other secure transaction unit in the electronic payment transaction system to cause an exchange of the one or more tokens between secure transaction units in the electronic transaction system. Each token includes at least a monetary value and a private key of a token-individual key pair; means for generating one or more token recovery data sets, each token recovery data set being uniquely assigned to one or more tokens being managed by the secure transaction unit at the time of generating the token recovery data set; means for transmitting the one or more token recovery data sets to a recovery unit, the recovery unit being managed by the participant or by a service provider unit. The invention further relates to a recovery unit in the electronic payment transaction system.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A secure transaction unit for managing payment transactions in an electronic payment transaction system, includes: means for receiving and transmitting one or more tokens to one or more other secure transaction unit in the electronic payment transaction system to cause an exchange of the one or more tokens between secure transaction units in the electronic transaction system; and means for transmitting one or more registration requests to a token reference register of the electronic transaction system. The disclosure also relates to a token reference register, an electronic transaction system, and a method for registering tokens in a token reference register.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/08 - Répartition de clés
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

A coin deposit managing unit includes a secure execution unit for managing digital coin data sets of a central bank. The secure execution unit is adapted so as to exchange digital coin data sets with coin managing units and transmit registration requests to a coin register of the central bank. A first coin deposit, which comprises at least one first digital coin data set, and a second coin deposit, which comprises at least one second digital coin data set. The coin deposit managing unit manages coin deposits of different users. The first coin deposit comprises a first functional specification which checks the secure execution unit when managing coin data sets, and the second coin deposit comprises a second different functional specification which checks the secure execution unit when managing coin data sets.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A method involves registering of a token in an electronic payment transaction system, and a token reference register. A secure transaction unit and an electronic transaction system, such as an electronic payment transaction system, involves aspects of the method and token reference register.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A secure unit as a token issuer of an electronic payment transaction system, the secure unit includes: a minting unit adapted to generate a new token to be issued in the electronic payment transaction system and/or a melting unit adapted to delete old tokens to be deleted from the electronic payment transaction system; an issuer token management unit comprising one or more, new or old, token of the electronic payment transaction system; and control means for processing tokens of the electronic payment transaction system. The secure token issuer unit includes a second service provider token management unit exclusively provided for the service provider unit, and the second service provider token management unit is provided for comprising a new token received from the issuer token management unit and/or an old token to be send to the issuer token management unit.

Classes IPC  ?

• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement

Abrégé

A secure service provider unit (SPU) in an electronic transaction system includes: a secure wallet issuing unit (TMU-IU) including control means configured to issue secure wallets (TMU-U) for users (U) in the electronic transaction system (TS). Each secure wallet (TMU-Ux) has wallet identification data (TMU-ID) assigned to a secure wallet (TMU-Ux) for uniquely identifying the secure wallet (TMU-Ux) in the electronic transaction system (TS). The control means of the secure wallet issuing unit (TMU-IU) for a secure wallet to be issued is configured to provide at least a part (TMU-ID-VAR) of the wallet identification data (TMU-ID), which is derived from external digital identification data (D-ID-Ux).

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

The invention relates to a card including a computing unit for managing electronic coin data records, the electronic coin data records being issued by a central entity, and a card body with visible data and at least one visible feature. The central entity is at the same time the issuer or administrator of a series of banknotes and the at least one visible feature identifies the card as part of the series of banknotes to an observer. In addition, a method for producing such a card is also proposed.

Classes IPC  ?

• B42D 25/305 - Information sous forme numérique
• B42D 25/23 - Cartes d’identité
• B42D 25/455 - Fabrication associant plusieurs couches en utilisant la chaleur
• B42D 25/46 - Fabrication associant plusieurs couches en utilisant la pression
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée

Abrégé

A secure element relates to a transaction unit and to a method for registering tokens of an electronic transaction system, which includes the secure element acting as a transaction unit and a token reference register. Each token of the transaction system has at least one token value and one private part of a token-individual key pair acting as token elements.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A secure element relates to a token reference register and to a method for registering tokens of an electronic transaction system. Each token of the transaction system comprises at least a token value and a private part of a token-individual key pair as token elements.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• H04L 9/08 - Répartition de clés

Abrégé

A secure execution unit for managing digital coin data sets is adapted to exchange digital coin data sets with other coin managing units in transactions and transmit registration requests to a coin register; and at least one digital coin data set. The secure execution unit is additionally adapted to check a first requirement and/or a second requirement for a transaction; the first requirement and the second requirement are stored in the coin managing unit as requirement data elements; and the first requirement and the second requirement pertain to the same check criterion. The second requirement is an increase of the first requirement and/or the second requirement being checked for a different exchange direction than the first requirement.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

The invention relates to a method for replacing an electronic token used in an electronic payment transaction system, the method comprising steps each being performed by a secure element of the payment system. The invention also relates to a method for replacing an electronic token used in an electronic payment transaction system, the method comprising steps each being performed by a special secure element of the payment system. The invention further relates to a special secure element.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

The invention relates to a secure element as a transaction unit of a transaction system having a token reference register, to a procedure in the token reference register, and to the token reference register. The secure element comprises a token store for tokens of the transaction system and is designed as a transaction unit for exchanging tokens of the transaction system directly with another transaction unit of the transaction system. Each token (T) of the transaction system (TS) is unambiguously assigned a token reference (TR) which can be registered in a token reference register (TRR) of the transaction system (TS). The secure element is designed in order, starting from at least one input token, to produce at least one output token and an output token reference (TRA) thereof. The secure element provides a modification detail, with an input token reference (TRE), a command (KO) and an output token reference (TRA), for the token reference register (TRR). In the present case, the secure element provides the at least one modification detail (MA) as a validity enquiry (GA). It is also designed to receive a validity confirmation (GB) for at least one output token reference, to be checked for validity, of the validity enquiry (GA).

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance

Abrégé

The invention relates to a method for securely generating a token which can be issued by means of a token issuer of an electronic transaction system comprising a token reference register. The invention also relates to a method for securely destroying a token of an electronic transaction system comprising a token reference register and to a token issuer. In a token issuer unit which comprises a secure token generating unit, the following steps are carried out: a token-individual token element pair is generated which comprises a secret token element and a public token reference element; an addition command is generated which instructs the token reference register to add a token reference which comprises the generated public token reference element into the token reference register as an additional token reference; and the addition command is transmitted to the token reference register. Presently the generated token element pair is an internal temporary token element pair of the token generating unit. The token generating unit receives a token reference of the token which can be issued and generates a replacement command which instructs the token reference register to register the token reference of the token which can be issued in place of the token reference of the temporary token element pair.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• H04L 9/08 - Répartition de clés
• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A payment system is provided for making a payment using electronic coin data sets, having a coin register which is designed to register the electronic coin data sets; participating units which are designed to carry out payment transactions by transmitting the electronic coin data sets and to transmit status and registration requests relating to the electronic coin data sets to the coin register; and a monitoring register which is designed to analyze monitoring data sets relating to the payment transactions. A monitoring data set includes at least one register data set and at least one transaction data set in the monitoring register. The at least one register data set is provided by the coin register, and the at least one transaction data set is provided by a transaction data set source and/or the coin register.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

An issuing entity for issuing electronic coin data sets in a payment system, includes a coin generating unit, which is designed to generate an electronic coin data set, and a coin output unit, which is designed to obtain the electronic coin data set generated by the coin generating unit and output the electronic coin data set to a participating unit or to a bank entity of the payment system in electronic form. The issuing entity is designed such that the electronic coin data set is transmitted between the coin generating unit and the coin output unit via an air gap process. An issuing method and a payment system adopt features of the issuing entity.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A method involves a first participating unit having an electronic coin data set registered in a coin register of a payment system. The method includes: generating a transaction data set relating to the transmission of the electronic coin data set to a second participating unit; encrypting the generated transaction data set using a cryptographic key, wherein the cryptographic key is composed of at least two cryptographic sub-keys of different respective remote entities; and initiating a communication connection to a transaction register of the payment system in order to transmit the encrypted transaction data set to the transaction register.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

A first security element is for transmitting an electronic coin data set to a second security element. The electronic coin data set is registered in a coin register of a payment system. The method has the steps of: setting a status of the electronic coin data set from the security element to an inactive status; transmitting the electronic coin data set from the first security element to the second security element; checking whether a receipt confirmation from the second security element has been received in the first security element; and deleting the transmitted electronic coin data set if the checking step results in that the receipt confirmation has been obtained by the first security element. The aforementioned relates to a payment system, a coin register, a security element, and a terminal for transmitting electronic coin data sets.

Classes IPC  ?

• G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

The invention relates to a method for directly transmitting electronic coin datasets between terminals, wherein a first terminal has at least one electronic coin dataset, and the at least one electronic coin dataset has a monetary value and a concealment value. The method has the steps of: determining a masking mode from at least two masking modes, a first masking mode consisting of: masking the electronic coin dataset, preferably in the first terminal, by applying a one-way function to the first coin dataset in order to obtain a completely masked electronic coin dataset; and registering a masked electronic coin dataset in a monitoring entity. The invention additionally relates to a payment system with a monitoring layer using a database, which is controlled in a decentralized manner and in which masked electronic coin datasets are stored, and a direct transaction layer, which uses at least two terminals and in which the method can be carried out.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06F 21/64 - Protection de l’intégrité des données, p. ex. par sommes de contrôle, certificats ou signatures

Abrégé

The invention relates to a coin managing unit of a user, comprising: an execution unit (31) for managing digital coin data sets (335; 395) of a central bank digital currency system, said execution unit being adapted so as to exchange digital coin data sets (335; 395) with other coin managing units and transmit registration requests to a coin register (20) of the central bank during transactions; and at least one digital coin data set (335; 395). The coin managing unit (330, 31; 390) is adapted so as to store required transactions (336a, 336b; 396a-c) as data elements, wherein a transaction is carried out only when a condition of the stored required transaction (336a, 336b; 396a-c) is satisfied. The coin managing unit (330, 31; 390) is additionally adapted so as to store required transactions (336a, 336b; 396a-c) with different reading and/or writing rights (337a, 337b, 338a, 338b; 397a-c, 398a-c). The invention additionally relates to a corresponding method and a central bank digital currency system.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

The invention relates to a payment system and a method for directly transmitting electronic coin datasets between terminals, wherein a monitoring entity registers anonymous masked electronic coin datasets. The method has the following steps in a first terminal; receiving an electronic coin dataset, said at least one electronic coin dataset having a monetary value and a concealment value; masking a modified electronic coin dataset or the received electronic coin dataset by applying a one-way function to the electronic coin dataset in order to obtain a masked electronic coin dataset; linking the masked electronic coin dataset to a pseudonym in order to obtain a pseudonymized masked electronic coin dataset, and transmitting the pseudonymized masked electronic coin dataset to the monitoring entity.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06F 21/64 - Protection de l’intégrité des données, p. ex. par sommes de contrôle, certificats ou signatures

Abrégé

A method is provided for directly transmitting electronic coin datasets between terminals in order to make a payment in a payment system. A first terminal has at least one electronic coin dataset, and the at least one electronic coin dataset has a monetary value and a concealment value as coin data set elements. The method has the steps of: masking a first coin dataset element of the electronic coin dataset to the first coin dataset element of the electronic coin dataset, to obtain a masked electronic coin dataset element; adding a second coin dataset element of the electronic coin dataset to the semi-masked electronic coin dataset, in order to obtain a semi-masked electronic coin dataset; and transmitting the semi-masked electronic coin dataset to a monitoring entity in order to register the electronic coin dataset.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A method relates to a terminal for managing electronic coin datasets and to a corresponding terminal. The electronic coin datasets are output by a central issuer entity, wherein each electronic coin dataset has a test value, and the test value is incremented when the electronic coin dataset is directly transmitted between two terminals or the test value is invariant in the event of an action carried out by terminals on the electronic coin dataset. In the method, it is determined whether the electronic coin dataset is displayed by the terminal in the payment system or whether the electronic coin dataset is returned to the central issuer entity. A method in a payment system is provided for managing electronic coin datasets, to a corresponding payment system, and to a monitoring entity.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement

Abrégé

The invention relates to a method for registering tokens of an electronic transaction system, wherein each token of the transaction system contains at least a token value and a private part of a token-specific key pair as token elements, comprising the following method steps: receiving, in a token reference register of the transaction system, a registration request containing at least one token reference assigned unambiguously to a token of the transaction system, wherein the token reference contains at least the token value of the token and a public part of the token-specific key pair as token reference elements, wherein the public part of the token-specific key pair has been obtained by applying a cryptographic one-way function to the private part of the token-specific key pair of the token; verifying, by way of a verification unit of the token reference register, whether the at least one token reference of the received registration request is stored in the token reference register; and storing the at least one token reference in a storage unit of the token reference register for the purpose of registering the token assigned unambiguously to this token reference in the transaction system when it is identified, in the verification step, that the at least one token reference of the received registration request is not stored in the token reference register. The invention additionally relates to a token reference register and to a transaction system.

Classes IPC  ?

• G06F 21/60 - Protection de données
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

minminminmin_1minmin) and wherein the first token part (T1) is sent from the participating unit (TE) to the machine unit (ME). The method also comprises a machine unit and a token system.

Classes IPC  ?

• G06F 21/60 - Protection de données
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/30 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

Abrégé

The invention relates to a coin managing unit comprising: - a secure execution unit (31, 391) for managing digital coin data sets, said secure execution unit (31; 391) being adapted to exchange digital coin data sets with other coin managing units in transactions and transmit registration requests to a coin register (20); and - at least one digital coin data set (305; 395; 435), wherein the secure execution unit (31) is additionally adapted to check a first specification and/or a second specification for a transaction; the first specification (333; 393; 433) and the second specification (334; 394; 434) are stored in the coin managing unit as specification data elements; and the first specification (333; 393; 433) and the second specification (334; 394; 434) pertain to the same check criterion, said second specification (434) being an expansion of the first specification (433) and/or the second specification (334; 394) being checked for a different exchange direction than the first specification (333; 393).

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

The invention relates to a secure element acting as a transaction unit, and to a method for registering tokens of an electronic transaction system which comprises in particular the secure element acting as a transaction unit and a token reference register. Each token of the transaction system has at least one token value and one private part of a token-individual key pair acting as token elements. The method comprises the following method steps: receiving, in a token reference register of the transaction system, a registration request from a sequence of registration requests, each registration request of the sequence having at least one token reference; using a verification unit of the token reference register to verify whether the at least one token reference contained in the received registration request can be uniquely assigned to a token of the transaction system; storing the at least one token reference in a memory unit of the token reference register in order to register the token uniquely assigned to this token reference in the transaction system if it is established in the verification step that the at least one token reference of the received register request can be uniquely assigned to a token of the transaction system and if the token reference is not yet stored in the token reference register. In the receiving step, the registration requests are received in the token reference register as a sequence of registration requests. In the verification and storage steps, the registration requests are processed in the token reference register as a sequence of registration requests.

Classes IPC  ?

• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement

Abrégé

The invention relates to a secure element, to a token reference register and to a method for registering tokens of an electronic transaction system, wherein each token of the transaction system comprises at least a token value and a private part of a token-individual key pair as token elements. The method comprises the method steps of: receiving, in a token reference register of the transaction system, a registration request comprising at least one token reference uniquely assigned to a token of the transaction system, wherein the token reference comprises at least the token value of the token and a public part of the token-individual key pair as token reference elements, wherein the public part of the token-individual key pair was obtained by applying a cryptographic one-way function to the private part of the token-individual key pair of the token, verifying, using a verification unit of the token reference register, whether the at least one token reference of the received registration request is stored in the token reference register, and storing the at least one token reference in a memory unit of the token reference register in order to register the token uniquely assigned to this token reference in the transaction system if it is established in the verification step that the at least one token reference of the received registration request is not stored in the token reference register.

Classes IPC  ?

• G06F 21/64 - Protection de l’intégrité des données, p. ex. par sommes de contrôle, certificats ou signatures
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

The invention relates to a coin deposit managing unit (30) comprising: - a secure execution unit (31) for managing digital coin data sets of a central bank, said secure execution unit (31) being adapted so as to exchange digital coin data sets with coin managing units and transmit registration requests to a coin register (20) of the central bank; and - a first coin deposit (310), which comprises at least one first digital coin data set (315), and a second coin deposit (320; 330), which comprises at least one second digital coin data set (325; 335). The coin deposit managing unit (30) manages coin deposits (310; 320; 330) of different users. The first coin deposit (310) comprises a first functional specification (312) which checks the secure execution unit (31) when managing coin data sets, and the second coin deposit (320) comprises a second different functional specification (322; 332) which checks the secure execution unit (31) when managing coin data sets.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

The invention relates to a card, in particular a chip card, including a computing unit for managing electronic coin data records, the electronic coin data records being issued by a central entity, and a card body with visible data and at least one visible feature. The central entity is at the same time the issuer or administrator of a series of banknotes and the at least one visible feature identifies the card as part of the series of banknotes to an observer. In addition, a method for producing such a card is also proposed.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• B42D 25/29 - Papiers-valeursBillets de banque
• B42D 25/305 - Information sous forme numérique
• B42D 25/351 - Pièces translucides ou en partie translucides, p. ex. fenêtres
• B42D 25/455 - Fabrication associant plusieurs couches en utilisant la chaleur
• B42D 25/46 - Fabrication associant plusieurs couches en utilisant la pression
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
• G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
• B42D 25/23 - Cartes d’identité

Abrégé

The invention relates to a method (400) for registering (104) an electronic coin data set (C) in a coin register (2) of an electronic payment system (BZ), said method comprising the steps of: generating (405) an electronic coin data set (Cj), which has a monetary value (vj) and an obfuscation value (rj), by means of a first subscriber unit (TE1) of the payment system (BZ), said monetary value (vj) of the generated electronic coin data set (Cj) corresponding to the monetary value (m) of an electronic coin data set (Ci) present in the first subscriber unit (TE1); masking (406) the generated electronic coin data set (Cj) by means of the first subscriber unit (TE1) by applying a one-way function (f(C)) to at least one data element of the electronic coin data set (Cj) in order to obtain a masked generated electronic coin data set (Zj); transmitting a registration request (407) for the masked generated electronic coin data set (Zj) together with a timelock from the first subscriber unit (TE1) to the coin register (2), wherein the timelock specifies a period of time (T2) until the generated electronic coin data set (Cj) can be switched over to a second subscriber unit (TE2) of the payment system (BZ) in the coin register (2). The invention additionally relates to a coin register (2), a payment system (BZ), a subscriber unit (TE), and a computer program product.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité

Abrégé

A method for directly transmitting an electronic coin data record between first and second terminals, with the following steps carried out by the second terminal: receiving the electronic coin data record from the first terminal, wherein the at least one electronic coin data record includes a monetary amount and a concealment amount; generating a modified electronic coin data record using the received electronic coin data record; masking the modified electronic coin record by applying a homomorphic one-way function to the modified electronic coin record in order to obtain a masked modified electronic coin record; sending a registration request for the masked modified electronic coin data record to a monitoring entity. A currency system and a payment system includes a decentrally controlled database in which masked electronic coin data records are stored; and a direct transaction layer including at least two terminals in which the method can be carried out.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité

Abrégé

A device for directly transmitting electronic coin data records to another device includes accessing data storage, such that an electronic coin data record is stored in the data storage; an interface at least for outputting the at least one electronic coin data record to the other device; and a computing unit configured to mask the electronic coin data record in the device by applying a homomorphic encryption function to the electronic coin data record to obtain a masked electronic coin data record for registering the masked electronic coin data record at a monitoring entity; and to output the electronic coin data record using the interface. A payment system has a monitoring layer including a database in which masked electronic coin data records are stored; and a direct transaction layer including at least two devices in which the method can be carried out.

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• H04L 9/00 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité
• H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Produits et services

Computer hardware and software for processing financial, monetary and trading transactions, in particular using digital values; computer hardware and software for the registration and management of digital values; cloud servers; cloud server software; graphical user interface software; graphic display software; security and cryptography software. Economic forecasting and market research and analysis; commercial intermediary services; arranging contracts for the buying and selling of goods and services; arranging contracts for the buying and selling of goods and services for others; administration of registers; management of registers for third parties. Money and financial management and processing services, in particular for digital values; automated money management services; electronic money transactions; financial services; data analysis, reporting and advice on monetary transactions; financial transactions via a blockchain; advice on payments, in particular by means of digital values; money exchange and transfer transactions, in particular for digital values; safekeeping of money, in particular digital values. Installation, maintenance and repair of centers for electronic money transactions, in particular for digital values; maintenance in connection with the operation of computers and devices in the field of electronic money transactions, in particular for digital values. Distribution and transmission of data, in particular digital values. Technical advice, support, monitoring and maintenance in connection with the operation of computers and devices in the field of electronic money transactions, in particular for digital values; design, maintenance, repair, customization and updating of computer software; design, repair, customization and updating of database software; evaluation of the performance of data processing based on reference values; quality inspection and control, in particular of electronic money services; cloud computing and web hosting services; development of computer software for logistics, supply chain management and e-business portals; operation, provision and rental of systems for data centers; web hosting services; software as a service [saas]; creation and rental of software, in particular software for digital values; creation of open source software, in particular open source software for digital values; development, programming and implementation of software, in particular software for digital values; provision of non-downloadable online software development tools for temporary use; computer software and hardware consulting; encryption, decryption and authentication of information, messages, data and digital values; design and development of operating software for computer networks and servers; data storage and certification via a blockchain; provision of hardware and software for payment solutions, in particular for digital values; creation of security analyzes and security concepts for digital values. Software licensing and usage rights; notarial services.

Produits et services

(1) Cash and financial management and financial transaction processing services, in particular for digital currency; financial services, namely, financial planning and investment advisory services, financial administration of cryptocurrency financial markets, provision of cryptocurrency funds and cryptocurrency bank accounts, and cryptocurrency processing services; financial data analysis, financial reporting and advice on monetary transactions; Processing financial transactions via a blockchain technology; advice on financial payments transactions, in particular by means of digital currency; money exchange and transfer transactions, in particular for digital currency; safekeeping of money, in particular digital currency.

Produits et services

(1) Computer hardware and downloadable and recorded software for use in clearing of financial transactions, namely, financial, monetary and trading transactions, in particular using digital currency; computer hardware and downloadable and recorded software for the registration and management of digital currency; cloud servers; computer software for connecting computers and for enabling cloud computing; graphical user interface software; downloadable computer software for graphic designing and editing; security and cryptography software for use in the encryption and decryption of digital files. (1) Economic forecasting and market research and analysis; commercial intermediary services in the nature of matching of potential private investors with entrepreneurs needing funding; arranging contracts for the buying and selling of goods and services for third parties; arranging contracts for the buying and selling of goods and services for others; administration of cash registers for others; management of cash registers for others. (2) Installation, maintenance and repair of computer servers, namely, centers for electronic money transactions, in particular for digital currency; maintenance of computers, namely, maintenance in connection with the operation of computers devices, namely, tablets, smartphones, smartcards, smart watches in the field of electronic money transactions, in particular for digital currency. (3) Distribution and transmission of data, in particular digital currency via a global computer network and the internet. (4) Technical advice, support, monitoring and maintenance in connection with the operation of computers and devices, namely, computers tablets, smartphones, smartcards, smart watches in the field of electronic money transactions, in particular for digital currency; design, maintenance, repair, customization and updating of computer software; design, repair, customization and updating of database software; evaluation of software performance of data processing based on bench-mark references; quality inspection and control, in particular of electronic money services; cloud computing web hosting and web hosting services; development of computer software for logistics, supply chain management and e-business portals; operation, provision and rental of data centers modules; web hosting services; software as a service [saas] featuring financial transaction processing software; creation and rental of software, in particular software for digital values; creation of open source software, in particular open source software for digital values; development, programming and implementation of software, in particular software for digital values; provision of nondownloadable online software development tools for temporary use; computer software and hardware consulting; encryption, decryption and authentication of financial information, electronic messages, financial data and digital currency; design and development of operating software for computer networks and servers; electronic data storage and validation of digital certificates via a blockchain technology; provision of hardware and software for payment solutions, in particular for digital currency; creation of security analysis and security concepts software for digital currency. (5) Software licensing and usage rights; notarial services.

Produits et services

cryptocurrency processing services; data analysis, financial reporting and advice on monetary transactions; advice on financial payments transactions, in particular by means of digital values

Produits et services

Distribution and transmission of data, in particular digital values, via a global computer network or the internet Computer hardware and downloadable and recorded software for processing financial, monetary and trading transactions, in particular using digital values; computer hardware and downloadable and recorded software for the registration and management of digital values; cloud servers; Downloadable and recorded cloud access server software; Downloadable and recorded graphical user interface software; Downloadable and recorded graphic display software; Downloadable and recorded security and cryptography software Economic forecasting and market research and analysis; commercial intermediary services in the nature of matching of potential private investors with entrepreneurs needing funding; arranging contracts for the buying and selling of goods and services for third parties; arranging contracts for the buying and selling of goods and services for others; administration of registers; management of registers for third parties Installation, maintenance and repair of computer servers supporting electronic monetary transaction centers for electronic money transactions, in particular for digital values; Computer hardware maintenance in connection with the operation of computers and devices in the field of electronic money transactions, in particular for digital values Technical advice, support, monitoring and maintenance in connection with the operation of computer software and software embedded in devices in the field of electronic money transactions, in particular for digital values, to ensure proper functioning and to detect breakdowns; Design, maintenance, repair, customization and updating of computer software; Design, repair, customization and updating of database software; Evaluation of software performance of data processing based on reference values; quality inspection and control, in particular of electronic money services; Cloud computing hosting and web hosting services; development of computer software for logistics, supply chain management and e-business portals; Providing technical advice on the operation of, and rental of, computer systems for data center facilities; web hosting services; software as a service (saas) featuring financial transaction processing software; creation and rental of software, in particular software for digital values; creation of open source software, in particular open source software for digital values; Software development, programming and implementation of software, in particular software for digital values; provision of non-downloadable online software development tools for processing financial transactions for temporary use; Computer software and hardware design and development consulting services; Encryption, decryption and authentication of information in the nature of computer data, including messages, data and digital values; Design and development of operating software for computer networks and servers; Electronic data storage and validation of digital certificates via blockchain technology; rental of computer hardware and provision of online non-downloadable software for payment solutions, in particular for digital values; Creation of security analysis software incorporating security concepts for digital values Software licensing and providing information on intellectual property usage rights; notarial services

Produits et services

Computer hardware and software for financial, monetary and commercial transaction services, in particular using digital values; Computer hardware and software for the registration and management of digital values; Cloud servers; Cloud server software; GUI software; Graphic representation software; Security and cryptography software. Economic forecasting and analysis, marketing forecasting and research; Commercial intermediary services; Procurement of contracts for the purchase and sale of goods and services; Arranging of purchase and sale contracts, for others; Management of registers; Maintenance of registers [for others]. Installation, maintenance and repair of electronic monetary transaction centres, in particular for digital values; Maintenance relating to the operation of computers and apparatus in the field of electronic monetary transactions, in particular for digital values. Distribution and transmitting data, in particular of digital values. Technical consultancy, support and monitoring relating to the operation of computers and apparatus in the field of electronic monetary transactions, in particular for digital values; design, maintenance, repair, adaptation and updating of computer software; design, maintenance, repair, adaptation and updating of database software; Evaluation of the performance of data processing based on bench-mark references; Quality inspection and control, in particular of electronic monetary transactions; Cloud computing and hosting services; Development of computer software for logistics, supply chain management and e-business portals; Operation, provision and rental of data centre facilities; Hosting of computer sites (websites); Software as a service [SaaS]; Providing and leasing of software, in particular software for digital values; Providing an open source software, in particular open source software for digital values; Software development, programming and implementation, in particular software for digital values; Providing temporary use of on-line non-downloadable software development tools; Consultancy relating to computer software and hardware; Encryption, decryption and authentication of information, news, data and digital values; Design and development of operating software for computer networks and servers; Data storage and certification via a blockchain; Providing hardware and software for payment solutions, in particular for digital values; Security analysis and security concepts for digital values. Licensing of computer software [legal services] and usage rights; Notarial services.

Produits et services

Business organisation and information consultancy; Outsourcing services [business assistance]; Invoicing; Business management consulting; Business consultancy and research; Commercial or industrial management assistance; Outsourced administrative management for companies; Business efficiency expert services; Compilation of statistics and Market studies; Market research and opinion studies; Marketing services; Telemarketing services; Search engine optimisation for sales promotion; Web site traffic optimisation; Pay per click advertising; On-line advertising on a computer network; Exhibitions for commercial or advertising purposes; Consultancy regarding advertising communications strategy; Compiling indexes of information for commercial or advertising purposes; Consultancy regarding public relations communications strategy; Provision of an on-line marketplace for buyers and sellers of goods and services; Computerised data processing; Data searches, for others, in computer databases; Updating and maintenance of data in computer databases. Information relating to communications, Computerised communications and data transmission, data transmission services over computer networks, Providing access to databases, Worldwide computer network access services, Providing telecommunications access to server centres, Leasing of access time to a computer database, Provision of communications facilities for the interchange of digital data. Rental of computers and computer software; Software as a service (SaaS) and rental of software; Software development, programming, maintenance, updating and implementation; Installation of software; Computer hardware development; Computer system design; Computer system analysis; Computer network services; Server administration; Hosting of computer sites (websites); Design and development of data storage systems; IT security, protection and maintenance, IT consultancy and information; Digital compression of computer data; Digital asset management; Computer analysis; Outsource service providers in the field of information technology; Consultancy in the design and development of computer hardware; Quality control; Research and development for others; Recovery of computer data; Creating and maintaining web sites for others; Computer virus protection services; Consultancy in the field of energy-saving; Provision of search engines for the Internet; Digitization of documents [scanning]; Web site design consultancy; Electronic data storage; Providing information on computer technology and programming via a web site; Cloud computing; Technological consultation services; Consultancy in the field of computer and telecommunications technology; Consultancy in the field of computers, data and internet security; Data encryption services; Research in the field of engineering; Engineering; Providing of information relating to computer technology and programming via a website.

Abrégé

The invention relates to a method in a first security element for transmitting an electronic coin data set to a second security element, said electronic coin data set being registered in a coin register of a payment system. The method has the steps of: setting a status of the electronic coin data set from the security element to an inactive status; transmitting the electronic coin data set from the first security element to the second security element; checking whether a receipt confirmation from the second security element has been received in the first security element; and deleting the transmitted electronic coin data set if the checking step results in that the receipt confirmation has been obtained by the first security element. The invention additionally relates to a payment system, a coin register, a security element, and a terminal for transmitting electronic coin data sets. (Fig. 5)

Classes IPC  ?

• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/22 - Schémas ou modèles de paiement
• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

The invention relates to a method in a first participating unit, preferably a first security element, having an electronic coin data set which is registered in a coin register of a payment system. The method has the steps of: generating a transaction data set relating to the transmission of the electronic coin data set to a second participating unit, preferably a second security element, or relating to a modification of the electronic coin data set, said modification to be registered on the coin register; encrypting the generated transaction data set using a cryptographic key, wherein the cryptographic key is composed of at least two cryptographic sub-keys, preferably at least three cryptographic sub-keys, of different respective remote entities; and initiating a communication connection to a transaction register of the payment system in order to transmit the encrypted transaction data set to the transaction register. The invention additionally relates to a participating unit, to a method in a transaction register, to a transaction register, and to a payment system.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
• G06Q 20/06 - Circuits privés de paiement, p. ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
• G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
• G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives