Patent EA-002887-B1 (EA)
Title: Method for carrying out transactions and device for realising the same
Inventor: ZOLOTAREV OLEG ANATOLIEVICH
IPC: G06Q20/00
Filed: 1999-07-29
Abstract: 1. A method for effecting payments comprising steps of: replenishing a payer device by an operation of primarily filling a payment certificate, in which a payment certificate base is created in the payer device and a payment certificate signature is obtained by means of making a blind money signature of the operator; performing an operation of opening a payee's account; performing a payment operation in which the payment certificate signature and an identifier of the payment certificate base are included into payment data delivered to a payee device by which a payee order is formed including the payment certificate signature and the identifier of the payment certificate base; delivering the formed payee order to a payment server in which the payee's account is credited on the basis of the payee order in the case of absence of an information that the payment certificate was utilized, according to the validity of the delivered payment certificate signature; and forming an operator's response to the payee order, by means of which response the payment operation is judged, characterized in that the method is further comprising steps of: including an identifier of a public key into the payment certificate base, said public key corresponding to an arbitrary secret key of a payer, wherein the public key is accepted as a public key of the payment certificate and the secret key of the payer is accepted as a secret key of the payment certificate; including a payer order signed with the secret key of the payment certificate into the payment data, and including an information on the payee and identifier of the payment certificate base into the payer order; and the step of crediting the payee's account is carried out according to the validity of the signature on the payee order. 2. The method according to Claim 1, characterized in that in the step of performing the payment operation the signed payer order is entered into an operator's information storage. 3. The method according to Claim 1, characterized in that in the step of replenishing the payer device a money demand is formed including data for making a blind money signature, and is delivered to the payment server in which a replenishment source and replenishment amount are determined according to the money demand; data to be unblinded are created in the step of making the blind money signature by processing data for making the blind money signature, that are comprised in the demand, with a secret money key corresponding to the replenishment amount, whereupon the payment certificate signature is made in the payer device by unblinding. 4. The method according to Claim 3, characterized in that in the step of replenishing the payer device by the operation of primarily filling the payment certificate a blinded identifier of the created payment certificate base is included as the data for making the blind money signature into the money demand being formed. 5. The method according to Claim 1, characterized in that in the step of performing the payment operation a payee receipt is included into the operator's response to the payee order, which receipt being signed with the arbitrary secret key of the operator, and the performing of the payment for the payee is judged according to the validity of the signature on the payee receipt. 6. The method according to Claim 1, characterized in that in the step of performing the payment operation in the payee device from the operator's response to the payee order, data are formed and delivered to the payer device, according to which the performing of the payment for the payer is judged. 7. The method according to Claim 6, characterized in that in the step of performing the payment operation a payer receipt is included into the operator's response to the payee order and into the data delivered to the payer device, which receipt being signed with the arbitrary secret key of the operator, and the performing of the payment for the payer is judged according to the validity of the signature on the payer receipt. 8. The method according to Claim 7, characterized in that the payer receipt is encrypted by an arbitrary encryption key of the payer prior to including said receipt into the operator's response to the payee order. 9. The method according to Claim 1, characterized in that in performing operations with the payment certificate a public key of the payment certificate converted by an arbitrary one-way function is used as the identifier of the payment certificate base. 10. The method according to Claim 1, characterized in that in performing operations with the payment certificate a public key of the payment certificate is used as the identifier of the public key of the payment certificate. 11. The method according to Claim 1, characterized in that in the step of replenishing the payer device the validity of the made payment certificate signature is verified. 12. The method according to Claim 1, characterized in that in the step of opening the account an arbitrary secret key is accepted as the secret key of the account, and the public key corresponding to the secret key of the account is delivered to the payment server as a public key of the account being opened. 13. The method according to Claim 1, characterized in that conditions of payment are included into the payer order. 14. The method according to Claim 13, characterized in that payee obligation data are included into the conditions of payment comprised in the payer order. 15. The method according to Claim 14, characterized in that prior to performing the payment operation, the payee obligation data are signed with an arbitrary secret key of the payee, and the payer verifies the payee's signature on the payee obligation data prior to performing the payment operation. 16. The method according to Claim 13, characterized in that in the payer device in the step of forming the payment data, the payee obligation data are processed by an arbitrary one-way function, and data obtained in this processing are included into the payer order as the conditions of payment. 17. The method according to Claim 1, characterized in that the payer order is encrypted by an arbitrary public encryption key of the operator prior to including them into the payment data. 18. The method according to Claim 1, characterized in that in the step of replenishing the payer device a payer's account is used as a replenishment source. 19. The method according to Claim 1, characterized in that in the step of replenishing the payer device a bank card is used as a replenishment source. 20. The method according to Claim 1, characterized in that in the step of performing the payment operation the payee appears as the payer. 21. The method according to Claim 1, characterized in that in the step of performing the payment operation a part of a payment certificate value is returned to the payer device. 22. The method according to Claim 1, characterized in that the step of replenishing the payer device is performed from funds of an intermediate payer. 23. The method according to Claim 22, characterized in that in the step of replenishing the payer device, data blinded in the payer device in the step of making the blind money signature of the operator are subjected to an additional blinding in the payer device of the intermediate payer. 24. A method for effecting payments comprising steps of: replenishing a payer device by an operation of primarily filling a payment certificate, in which a payment certificate base is created in the payer device and a payment certificate signature is obtained by means of making a blind money signature of the operator; performing an operation of opening a payee's account; performing a payment operation in which the payment certificate signature and an identifier of the payment certificate base are included into payment data delivered to a payee device by means of which a payee order is formed including the payment certificate signature and the identifier of the payment certificate base; delivering the formed payee order to a payment server in which the payee's account is credited on the basis of the payee order in the case of absence of an information that the payment certificate was utilized, according to the validity of the delivered payment certificate signature; and forming an operator's response to the payee order, by means of which response the payment operation is judged, characterized in that the method is further comprising steps of including an identifier of a public key into the payment certificate base, said public key corresponding to an arbitrary secret key of the payee, wherein the public key is accepted as a public key of the payment certificate and the secret key of the payee is accepted as a secret key of the payment certificate; performing the replenishment of the payer device by means of an operation of replenishing the payment certificate, in which operation a blind money signature of the operator on the payment certificate signature already being in the payer device is made; including a payer order signed with the secret key of the payment certificate into the payment data, and including an information on the payee and payment certificate the identifier of the payment certificate base into the payer order; and the step of crediting the payee's account is carried out according to the validity of the signature on the payee order. 25. The method according to Claim 24, characterized in that in the step of replenishing the payer device a money demand is formed including data for making a blind money signature. and is delivered to the payment server in which a replenishment source and replenishment amount are determined according to the money demand; data to be unblinded are created in the step of making the blind money signature by processing data for making the blind money signature, that are comprised in the demand, with a secret money key corresponding to the replenishment amount. w