Patent UA-50483-A (UA)
Title: Method of payments by using digital certificates (variants)
Filed: 2002-01-23
Abstract: The proposed method of payment by using digital certificates implies that the customer transfers a digital certificate used as payment means to the seller and the seller checks the validity of the digital certificate. In all the variants of the proposed method, a digital denomination with a series of certain digits is used as the digital certificate. According to the first variant of the method, the digital denomination is transferred to the seller together with the address of the storage cell for storing the customer digital denominations, into which the seller should place the change. To check the digital denomination, it is transferred to a digital denomination bank, where the digital denomination is checked. After checking, the digital denomination is exchanged for a customer digital denomination and a seller digital denomination, and then the both denominations are returned to the seller. The seller digital denomination remains at the seller, and the customer digital denomination is returned on the address of the specified storage cell. Then the customer digital denomination is transferred to the digital denomination bank, where the validity of the digital denomination is checked, and the valid digital denomination is exchanged for a new customer digital denomination, which is returned to the storage cell, and then a coded message is transferred to the customer that contains the data on the payment operation. According to the second variant of the method, the address of the digital denomination storage cell is transferred to the seller, and the nominal value of the digital denomination, which the customer wants to obtain, is reported, and then the request of the seller is transferred on the specified address of the storage cell. If the sum required is present, the access code request is transferred at first to the seller and then to the customer. Then the access code is transferred from the customer on the specified address of the storage cell, and the digital denomination is transferred to the digital denomination bank, where the digital denomination is exchanged for the seller digital denomination and the customer digital denomination, and then the both denominations are returned to the storage cell, in which the storage digital denomination is retained, and the seller digital denomination is transferred to the seller. To check the validity of the digital denomination transferred to the seller, it is transferred to the digital denomination bank, where this digital denomination is checked. After checking, the seller digital denomination is exchanged for the new digital denomination, which is returned to the seller. From the storage cell, a coded message is transferred to the customer that contains the data on the payment operation. According to the third variant of the method, the digital denomination is transferred to the seller. To check the digital denomination, it is transferred to the digital denomination bank, where the digital denomination is checked. After checking, the seller digital denomination is exchanged for the new digital denomination that is returned to the seller.