JP3401198B2 - Method of exchanging symbols of different types of electronic value and program recording medium - Google Patents
Method of exchanging symbols of different types of electronic value and program recording mediumInfo
- Publication number
- JP3401198B2 JP3401198B2 JP29362598A JP29362598A JP3401198B2 JP 3401198 B2 JP3401198 B2 JP 3401198B2 JP 29362598 A JP29362598 A JP 29362598A JP 29362598 A JP29362598 A JP 29362598A JP 3401198 B2 JP3401198 B2 JP 3401198B2
- Authority
- JP
- Japan
- Prior art keywords
- transaction
- transaction device
- symbol
- electronic value
- type
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
- 238000000034 method Methods 0.000 title claims description 57
- 238000012545 processing Methods 0.000 claims description 7
- 238000012546 transfer Methods 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims 3
- 238000004891 communication Methods 0.000 description 24
- 230000015572 biosynthetic process Effects 0.000 description 3
- 238000010586 diagram Methods 0.000 description 2
- FLDSMVTWEZKONL-AWEZNQCLSA-N 5,5-dimethyl-N-[(3S)-5-methyl-4-oxo-2,3-dihydro-1,5-benzoxazepin-3-yl]-1,4,7,8-tetrahydrooxepino[4,5-c]pyrazole-3-carboxamide Chemical compound CC1(CC2=C(NN=C2C(=O)N[C@@H]2C(N(C3=C(OC2)C=CC=C3)C)=O)CCO1)C FLDSMVTWEZKONL-AWEZNQCLSA-N 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
【０００１】[0001]
【発明の属する技術分野】この発明は、電子的価値の象
徴を相互に移転できる取引装置を用いて、異なる種類の
電子的価値の象徴を匿名性を守ったまま交換する方法に
関するものである。以下では、電子的価値の象徴の一つ
として特に電子マネー（電子現金）を例にとり説明する
こととする。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of exchanging different kinds of electronic value symbols while maintaining anonymity, using a transaction device capable of mutually transferring electronic value symbols. In the following, electronic money (electronic cash) will be described as an example of one of the symbols of electronic value.
【０００２】[0002]
【従来の技術】従来の電子マネーの移転技術を組み合わ
せて外貨両替の手順を構成する場合、利用者と両替ショ
ップ（両替商）の間で取引に関する合意を得るプロセス
と、利用者が両替ショップに第１の通貨種別の電子マネ
ーを支払うプロセスと、両替ショップが利用者に第２の
通貨種別の電子マネーを払い出すプロセスが必要であ
る。これらの組み合せとして、（１）両者の間で通信セ
ッションを確立し、その中で前記３つのプロセスを実行
する方法、（２）前記３つのプロセスを、いくつかの通
信セッションに分けて実行する方法が実現可能である。
ただし、従来技術では通信セッションを複数に分けた場
合、一連の通信セッションにおいて利用者の同一性を確
認することはできなかった。一方、匿名性を守ったまま
第１の取引装置と第２の取引装置の間で電子マネーを移
転する技術については既に実現されている。2. Description of the Related Art When a foreign currency exchange procedure is constructed by combining conventional electronic money transfer technologies, the process of obtaining a transaction agreement between the user and the exchange shop (exchange shop), and A process for paying electronic money of the first currency type and a process for the exchange shop to pay electronic money of the second currency type to the user are required. As a combination of these, (1) a method of establishing a communication session between them and executing the three processes therein, (2) a method of executing the three processes by dividing them into several communication sessions Is feasible.
However, in the related art, when the communication session is divided into a plurality of pieces, it is not possible to confirm the user's identity in a series of communication sessions. On the other hand, a technique of transferring electronic money between the first transaction device and the second transaction device while maintaining anonymity has already been realized.
【０００３】[0003]
【発明が解決しようとする課題】（１）合意形成から電
子マネーの交換までを１つの通信セッション内で行う方
式では、合意形成を行うサーバ（機能）と電子マネーの
移転を行うサーバ（機能）が別々の通信セッションを必
要とする場合、例えば電子マネー受領サーバは汎用製
品、合意形成サーバは独自仕様製品といった場合に対応
できない。同様に同方式では、合意形成処理と電子マネ
ー交換処理を非同期的に行いたい場合、例えば合意成立
後一定期間経た後に電子マネーの交換を行う場合などに
対応できない。(1) In the method of performing consensus formation to electronic money exchange within one communication session, a server (function) for forming an agreement and a server (function) for transferring electronic money. Require separate communication sessions, for example, the electronic money receiving server is a general-purpose product and the consensus forming server is a proprietary product. Similarly, this method cannot be applied to the case where the consensus building process and the electronic money exchange process are desired to be performed asynchronously, for example, when the electronic money is exchanged after a certain period of time has passed since the agreement was established.
【０００４】（２）電子マネーの送信と受信を１つの通
信セッション内で行う方式では、各通貨種別毎に別の構
成の取引装置を必要とするようなシステム、例えば各通
貨種別毎に異なるＩＣカードを利用するシステムなどで
は、ＩＣカードを取り替える間第２の取引装置を占有し
続けなければならず非効率的である。また同方式では、
電子マネーの送信と受信にそれぞれ別の通信セッション
を必要とする場合、例えば電子マネーの送信と受領に別
々のサーバを利用するような場合などに対応できない。
同様に同方式では、第１の通貨種別の電子マネーの支払
いと第２の通貨種別の電子マネーの払い出しを非同期的
に行う場合などに対応できない。(2) In the method of transmitting and receiving electronic money in one communication session, a system that requires a transaction device having a different structure for each currency type, for example, an IC that is different for each currency type In a system using a card, the second transaction device must be kept occupied while the IC card is replaced, which is inefficient. In addition, in the same method,
It is not possible to cope with the case where different communication sessions are required for transmitting and receiving electronic money, for example, when different servers are used for transmitting and receiving electronic money.
Similarly, the same method cannot be applied to the case where payment of electronic money of the first currency type and payment of electronic money of the second currency type are asynchronously performed.
【０００５】（３）利用者と第２の取引装置の所有者
は、相手に合意条件に則った電子マネーの交換を否認さ
れるリスクを相互に負っている。
（４）通信セッションを複数回に分割し、かつ匿名性を
保証する場合、一連の通信セッションにおいて第１の取
引装置が当該取引を正当に継承している事を匿名のまま
証明できる工夫が必要となる。(3) The user and the owner of the second transaction device have a mutual risk of being denied the exchange of electronic money according to the agreed conditions. (4) When the communication session is divided into a plurality of times and the anonymity is assured, it is necessary to devise anonymity to prove that the first transaction device legally inherits the transaction in a series of communication sessions. Becomes
【０００６】（５）利用者は、第２の取引装置から第２
の通貨種別の電子マネーが正しく払い出されるまで、第
２の取引装置の保持者から第１の通貨種別の電子マネー
の受領を否認されるリスクを負っている。
（６）第２の取引装置の保持者は、すべてのステップが
完了したにもかかわらず、利用者に第２の通貨種別の電
子マネーの受領を否認されるリスクを負っている。(5) The user selects the second transaction device from the second transaction device.
Until the electronic money of the currency type is properly paid out, there is a risk that the holder of the second transaction device refuses to receive the electronic money of the first currency type. (6) The holder of the second transaction device bears the risk of being denied the receipt of the electronic money of the second currency type by the user, although all the steps are completed.
【０００７】[0007]
【課題を解決するための手段】以下に上記課題を解決す
るための手段を述べるが、理解を容易にするため、第
１、第２の電子的価値の象徴として、第１、第２の通貨
種別の電子マネーを用い、電子的価値の象徴の交換とし
て、第１、第２の通貨種別の電子マネーの両替えを行う
場合を例として説明する。[Means for Solving the Problems] The means for solving the above problems will be described below. To facilitate understanding, first and second currencies are used as symbols of the first and second electronic values. An example will be described in which electronic money of the first and second currency types is exchanged as an exchange of a symbol of electronic value using electronic money of a type.
【０００８】（１）合意形成のためのステップと、電子
マネーの移転を伴うステップを分離する。これにより、
合意形成と電子マネーの移転に別の通信セッションを必
要とするシステムや、合意形成処理と電子マネーの交換
処理を非同期的に行う場合などに対応することができ
る。
（２）第１の取引装置が第２の取引装置に対して第１の
通貨種別の電子マネーを支払うためのステップと、第２
の取引装置が第１の取引装置に対して第２の通貨種別の
電子マネーを払い出すためのステップを分離する。これ
により、各通貨種別毎に第１の取引装置の構成の変更を
必要とするシステムなどでは、通信セッションを維持す
ることにより第１の取引装置の構成を変更する間第２の
取引装置を占有し続ける非効率を回避できる。(1) The step for consensus building and the step involving transfer of electronic money are separated. This allows
It is possible to deal with a system that requires another communication session for consensus formation and transfer of electronic money, and a case where the consensus formation processing and the electronic money exchange processing are performed asynchronously. (2) a step in which the first transaction device pays the electronic money of the first currency type to the second transaction device;
The transaction device of 1 separates the step for paying out the electronic money of the second currency type to the first transaction device. Thus, in a system or the like that requires changing the configuration of the first transaction device for each currency type, the second transaction device is occupied while the configuration of the first transaction device is changed by maintaining the communication session. You can avoid inefficiencies that continue to occur.
【０００９】（３）通信セッションを複数回にした場
合、一連の通信セッションにおいて第１の取引装置は、
当該取引を正当に継承していることを証明する必要があ
る。この発明では、そのために匿名のまま検証可能な利
用者識別データを第１の取引装置から第２の取引装置へ
送信する方法をとる。このような取引の具体的な実現方
法には、以下の実施例にも示すように、共通のハッシュ
関数を利用する方法や、公開鍵暗号を使う方法がある。
必ずしも匿名で処理する必要はない。(3) When the communication session is made a plurality of times, in the series of communication sessions, the first transaction device
It is necessary to prove that the transaction is legitimately inherited. Therefore, the present invention employs a method of transmitting user identification data that can be verified while remaining anonymous from the first transaction device to the second transaction device. As a concrete method of realizing such a transaction, there is a method of using a common hash function or a method of using public key cryptography, as shown in the following embodiments.
It does not necessarily have to be processed anonymously.
【００１０】（４）合意成立時の両替レートなどの合意
内容と利用者識別データに電子署名をした契約書データ
を、第２の取引装置から第１の取引装置に対して送信す
る。これにより、利用者は予め合意した両替レートによ
る両替を確実に受けられることになる。
（５）第２の取引装置は第１の取引装置から第１の通貨
種別の電子マネーが正しく支払われた際に電子署名を施
した支払い証明書を第１の取引装置に送信する。これ以
降利用者は、第２の取引装置の保持者から第１の通貨種
別の電子マネーの受領を否認されるリスクを回避でき
る。(4) The contents of the agreement such as the exchange rate when the agreement is established and the contract data in which the user identification data is electronically signed are transmitted from the second transaction device to the first transaction device. As a result, the user can surely receive the exchange at the exchange rate agreed in advance. (5) The second transaction device transmits a payment certificate with an electronic signature to the first transaction device when the electronic money of the first currency type is correctly paid from the first transaction device. After this, the user can avoid the risk that the holder of the second transaction device will reject the receipt of the electronic money of the first currency type.
【００１１】（６）第１の取引装置は第２の取引装置か
ら第２の通貨種別の電子マネーが正しく払い出された際
に電子署名を施した受領証明書を第２の取引装置に送信
する。これ以降第２の取引装置の保持者は、利用者から
第２の通貨種別の電子マネーの受領を否認されるリスク
を回避できる。(6) The first transaction device sends a receipt certificate with an electronic signature to the second transaction device when the electronic money of the second currency type is correctly paid out from the second transaction device. To do. After this, the holder of the second transaction device can avoid the risk of being denied the receipt of the electronic money of the second currency type by the user.
【００１２】[0012]
【発明の実施の形態】＜第１の形態＞ 円の電子マネー
とドルの電子マネーの両替
図１は、利用者Ａが両替ショップＢとの取引により、円
の電子マネーをドルの電子マネーに両替する場合の具体
的な手順を示している。また、図２は送信される電文の
流れを示している。BEST MODE FOR CARRYING OUT THE INVENTION <First Embodiment> Exchange of Yen Electronic Money and Dollar Electronic Money In FIG. 1, a user A transacts with a currency exchange shop B to convert yen electronic money into dollar electronic money. A specific procedure for exchanging money is shown. Further, FIG. 2 shows a flow of a transmitted electronic message.
【００１３】利用者Ａはその第１の取引装置と両替ショ
ップの第２の取引装置との間で第１の通信セッションを
確立する（Ｓ１）。次に利用者Ａはその所有するＩＣカ
ード（第１の取引装置）に保持されている円（第１の通
貨種別）の電子マネーを１０ドル（第２の通貨種別の金
額Ｗ２）の電子マネーに両替するために、第１の通信セ
ッションにおいて両替ショップＢに１０ドルという金額
と、後の通信セッションで利用者Ａであることを両替シ
ョップサーバ（第２の取引装置）に証明するのに必要な
利用者識別データとして、あるデータＸＸ１を送信する
（Ｓ２）。両替ショップＢの第２の取引装置は、取引条
件を設定し（例えば１０ドル買いたいという要求に対
し、１５００円で売るという取引条件を設定する）、そ
の取引条件と前記利用者識別データと取引ＩＤ、有効期
限などの情報とをあわせて、これらの情報に対する両替
ショップによる電子署名をした契約書を利用者Ａの第１
の取引装置に送信し（Ｓ３）、第１の通信セッションを
完了する（Ｓ４）。User A establishes a first communication session between the first transaction device and the second transaction device of the exchange shop (S1). Next, the user A converts the electronic money of yen (first currency type) held in the IC card (first transaction device) owned by the user A into electronic money of $ 10 (the amount W2 of the second currency type). $ 10 in exchange shop B in the first communication session and to prove to user A in the later communication session to exchange shop server (second transaction device) A certain data XX1 is transmitted as the user identification data (S2). The second transaction device of the exchange shop B sets transaction conditions (for example, sets a transaction condition of selling at 1500 yen for a request to buy 10 dollars), and conducts the transaction condition and the user identification data and transaction. User A's first copy of the contract, which includes the ID, expiration date, and other information, and an electronic signature from the exchange shop for this information
(S3) to complete the first communication session (S4).
【００１４】利用者Ａの第１の取引装置は受信した契約
書の署名を検証し（Ｓ５）、取引内容を承諾すれば（Ｓ
６）、第２の取引装置との間に第２の通信セッションを
確立（Ｓ７）、１５００円の電子マネーと取引ＩＤを両
替ショップＢの第２の取引装置に送信する（Ｓ８）。両
替ショップＢの第２の取引装置は受領明細書として取引
ＩＤなどに署名をして利用者Ａの第１の取引装置に送信
し（Ｓ９）、第２の通信セッションを完了する（Ｓ１
０）。The first transaction device of the user A verifies the signature of the received contract (S5), and accepts the transaction contents (S5).
6), a second communication session is established with the second transaction device (S7), and electronic money of 1500 yen and transaction ID are transmitted to the second transaction device of the exchange shop B (S8). The second transaction device of the exchange shop B signs the transaction ID or the like as a receipt statement and sends it to the first transaction device of the user A (S9), completing the second communication session (S1).
0).
【００１５】利用者Ａの第１の取引装置は受信した受領
明細書の署名を検証する（Ｓ１１）。もし円の電子マネ
ーとドルの電子マネーが同じＩＣカードに入り得なけれ
ば、利用者Ａは第２、第３の通信セッションの間でＩＣ
カードを交換することができる（Ｓ１２）。The first transaction device of the user A verifies the signature of the received receipt (S11). If yen's electronic money and dollar's electronic money cannot fit in the same IC card, the user A does IC between the second and third communication sessions.
The card can be exchanged (S12).
【００１６】利用者Ａは第１の取引装置と第２の取引装
置との間に第３の通信セッションを確立し（Ｓ１３）、
この第３の通信セッションにおいて利用者Ａの第１の取
引装置は、前記利用者識別データＸＸ１の検証に必要な
利用者証明情報ＺＺ１と取引ＩＤを両替ショップＢの第
２の取引装置に送信し（Ｓ１４）、両替ショップＢの第
２の取引装置は受信した利用者証明情報ＺＺ１と前記利
用者識別データＸＸ１を照合して利用者Ａであることを
確認し（Ｓ１５）、取引ＩＤの取引条件によって１０ド
ルの電子マネーを利用者Ａの第１の取引装置に送信する
（Ｓ１６）。利用者Ａの第１の取引装置は両替ショップ
Ｂの第２の取引装置に対し、１０ドルの電子マネーを受
け取ったことを証明する受領証明書を送信し（Ｓ１
７）、第３の通信セッションを完了する（Ｓ１８）。User A establishes a third communication session between the first transaction device and the second transaction device (S13),
In this third communication session, the first transaction device of the user A transmits the user certification information ZZ1 and the transaction ID necessary for verifying the user identification data XX1 to the second transaction device of the exchange shop B. (S14), the second transaction device of the exchange shop B checks the received user certification information ZZ1 and the user identification data XX1 to confirm that the user is the user A (S15), and the transaction condition of the transaction ID. Sends electronic money of $ 10 to the first transaction device of user A (S16). The first transaction device of the user A sends a receipt certificate certifying that the electronic money of $ 10 has been received to the second transaction device of the exchange shop B (S1).
7), the third communication session is completed (S18).
【００１７】匿名による利用者識別の方法としては、例
えば利用者識別データＸＸ１として、乱数など何らかの
文字列ｒ１を、両替ショップの第２の取引装置と共有す
るハッシュ関数ｈ（ｘ）によって第１の取引装置で変換
して得られるｈ（ｒ１）を用い、利用者証明情報ＺＺ１
としてＸＸ１の生成に利用した文字列ｒ１を用いる方法
がある。As a method of anonymously identifying a user, for example, as the user identification data XX1, a character string r1 such as a random number is used as a first hash function h (x) which is shared with the second transaction device of the exchange shop. User certification information ZZ1 using h (r1) obtained by conversion with the transaction device
There is a method of using the character string r1 used to generate XX1.
【００１８】また、公開鍵方式を利用した別の実施例と
して、例えば利用者識別データＸＸ１として、利用者が
予め用意した公開鍵ＰｋＵを用い、利用者証明情報ＺＺ
１として、取引ＩＤなどの情報を利用者秘密鍵ＳｋＵに
よって署名した署名データを用いる方法がある。なお、
必ずしも匿名としなくてもよい。
＜第２の形態＞ 異なる方式の電子マネーの交換
この発明は、異なるシステムで実現している電子マネー
同士の交換、例えば利用者Ａが利用者Ｂとの取引によ
り、方式Ｘの電子マネーと方式Ｙの電子マネーとを交換
する場合にも適用可能である。利用者Ａはその所有する
計算機（第１の取引装置）に保持されている方式Ｘの電
子マネーを利用者Ｂの所有する計算機（第２の取引装
置）に保持された方式Ｙの電子マネーに交換するため、
図３に示すように利用者Ｂの第２の取引装置に対して希
望する取引条件と利用者識別データ１，２などを含む電
子メールを送信する。利用者Ｂの第２の取引装置は利
用者Ａの提示する取引条件に合意すれば、利用者Ａの第
１の取引装置に対して取引条件と取引ＩＤ、取引の有効
期限などの情報を含む署名付き電子メールを送信する
。As another embodiment using the public key system, for example, as the user identification data XX1, a public key PkU prepared in advance by the user is used, and the user certification information ZZ is used.
As a method 1, there is a method of using signature data in which information such as a transaction ID is signed by the user private key SkU. In addition,
It does not have to be anonymous. <Second Mode> Exchange of Electronic Money in Different Systems The present invention relates to exchange of electronic money between systems realized by different systems, for example, a transaction between a user A and a user B to exchange electronic money in a system X with a system. It is also applicable when exchanging Y's electronic money. The user A converts the electronic money of method X held in the computer (first transaction device) owned by the user A into the electronic money of method Y held in the computer (second transaction device) owned by the user B. To replace
As shown in FIG. 3, an electronic mail including desired transaction conditions and user identification data 1 and 2 is transmitted to the second transaction device of user B. If the user B's second transaction device agrees with the transaction conditions presented by the user A, the user B's second transaction device includes information such as transaction conditions, transaction ID, and transaction expiration date for the user A's first transaction device. Send a signed email.
【００１９】利用者Ａの第１の取引装置はその受信情報
に対し、署名を検証した後、利用者Ｂの第２の取引装置
に対して取引条件に則った金額の方式Ｘの電子マネーと
取引ＩＤなどの情報を含む電子メールを送信する。利
用者Ｂの第２の取引装置は利用者Ａからの支払いを確認
後、利用者Ａの第１の取引装置に対して取引ＩＤや受領
金額などの情報を含む署名付き電子メールを送信する
。The first transaction device of the user A verifies the signature on the received information, and then the second transaction device of the user B receives the electronic money of the system X of the amount according to the transaction conditions. Send an email containing information such as the transaction ID. After confirming the payment from the user A, the second transaction device of the user B transmits a signed e-mail including information such as the transaction ID and the received amount to the first transaction device of the user A.
【００２０】利用者Ａの第１の取引装置は利用者Ｂの第
２の取引装置に対し、利用者識別データ１の検証に必要
な利用者証明情報１と取引ＩＤなどの情報を含む請求書
を電子メールで送信する。利用者Ｂの第２の取引装置
は利用者証明情報１と先に受信した利用者識別データ１
により、請求者が利用者Ａであることを確認した後、取
引条件に則った金額の方式Ｙの電子マネーを利用者Ａの
第１の取引装置に電子メールで送信する。利用者Ａの
第１の取引装置は、利用者Ｂから方式Ｙの電子マネーを
受領したことを確認した後、それを証明する受領証明書
として前記利用者識別データ２の検証ができる利用者証
明情報２を電子メールで利用者Ｂの第２の取引装置に送
信する。利用者Ｂの第２の取引装置は利用者証明情報
２により受領証明書が利用者Ａの第１の取引装置により
発行されたことを利用者証明情報２と先に受信した利用
者識別データ２とにより確認する。The first transaction device of the user A is a bill including the user certification information 1 required for verification of the user identification data 1 and information such as the transaction ID, with respect to the second transaction device of the user B. To send by email. The second transaction device of the user B is the user certification information 1 and the user identification data 1 previously received.
Then, after confirming that the claimant is the user A, electronic money of the scheme Y having the amount of money according to the transaction conditions is transmitted to the first transaction device of the user A by electronic mail. The first transaction device of the user A confirms that the electronic money of the method Y is received from the user B, and then can verify the user identification data 2 as a receipt certificate that certifies the electronic money. Information 2 is transmitted to the second transaction device of user B by electronic mail. The second transaction device of the user B confirms that the receipt certificate is issued by the first transaction device of the user A according to the user certificate information 2 and the user identification data 2 previously received. Check with.
【００２１】なお、この発明は、上記の実施例に限定さ
れることなく、特許請求の範囲内で種々変更・応用が可
能である。つまり異なる方式の電子マネーの両替えに限
らず、例えばクレジットカード決済による電子マネーの
受領、その他電子チケットの受領などにもこの発明を適
用できる。また、第２の取引装置が取引条件を第１の取
引装置へ送る際に必ずしも署名を付けなくてもよい。 The present invention is not limited to the above embodiment, but various modifications and applications are possible within the scope of the claims. That is, the present invention can be applied not only to exchange of different types of electronic money, but also to receipt of electronic money by credit card settlement, receipt of other electronic tickets, and the like. In addition, the second trading device sets the trading conditions to the first one.
The signature does not have to be attached when sending to the pulling device.
【００２２】[0022]
【発明の効果】以上説明したように、この発明を利用す
れば取引の安全性を保証しつつ、異なる種類の電子的価
値の象徴を交換する事ができる。特にこれを匿名性を保
ったまま行うようにすることもできる。As described above, by using the present invention, it is possible to exchange symbols of different kinds of electronic value while guaranteeing the security of transactions. In particular, this can be done while maintaining anonymity.
【図１】この発明の実施例による電子マネー両替の取引
例を示すフローチャート。FIG. 1 is a flowchart showing an example of an electronic money exchange transaction according to an embodiment of the present invention.
【図２】図１の実施例による電子マネー両替の取引例に
おける電文の流れを示す図。FIG. 2 is a diagram showing a flow of electronic messages in a transaction example of electronic money exchange according to the embodiment of FIG.
【図３】この発明の他の実施例による異種方式の電子マ
ネーの交換取引例における電文の流れを示す図。FIG. 3 is a diagram showing the flow of electronic messages in an example of exchange transaction of different types of electronic money according to another embodiment of the present invention.
───────────────────────────────────────────────────── フロントページの続き (56)参考文献 特開 平６−162059（ＪＰ，Ａ) 特表 平６−503913（ＪＰ，Ａ) (58)調査した分野(Int.Cl.7，ＤＢ名) G06F 17/60 410 G09C 1/00 660 ＪＩＣＳＴファイル（ＪＯＩＳ)─────────────────────────────────────────────────── ─── of the front page continued (56) reference Patent flat 6-162059 (JP, a) JP-T flat 6-503913 (JP, a) (58 ) investigated the field (Int.Cl. 7, DB name) G06F 17/60 410 G09C 1/00 660 JISST file (JOIS)
Claims (16)
１の取引装置と第２の取引装置を用い、第１の取引装置
が保持する第１の種類の電子的価値の象徴と、第２の取
引装置が保持する第２の種類の電子的価値の象徴とを交
換するための方法であって、 （ａ）後で前記第２の種類の電子的価値の象徴を受領す
る際に当該取引における前記第１の取引装置であること
を前記第２の取引装置に証明するために必要な利用者識
別データを、前記第１の取引装置から前記第２の取引装
置に送信し、前記第１の取引装置と前記第２の取引装置
との間で、前記第１の種類の電子的価値の象徴と前記第
２の種類の電子的価値の象徴の交換に関する取引条件に
ついての合意を得るステップと、 （ｂ）前記取引条件に則った前記第１の種類の電子的価
値の象徴を前記第１の取引装置から前記第２の取引装置
に移転するステップと、 （ｃ）前記第１の取引装置が、前記第２の取引装置に対
して前記利用者識別データの送信元であることを証明す
る第１の利用者証明情報を送信し、前記取引条件に則っ
て前記第２の種類の電子的価値の象徴を前記第２の取引
装置から前記第１の取引装置に移転するステップと、 を含むことを特徴とする電子的価値の象徴の交換方法。1. A first transaction device and a second transaction device that can transfer electronic value symbols to each other, and a first type of electronic value symbol held by the first transaction device; A method for exchanging a second type of electronic value symbol held by a second transaction device, the method comprising: (a) receiving the second type of electronic value symbol later. User identification data required to prove to the second transaction device that the transaction device is the first transaction device is transmitted from the first transaction device to the second transaction device, and the user identification data is transmitted to the second transaction device. Obtaining agreement between a transaction device of one type and a transaction device of the second type on a transaction condition regarding exchange of a symbol of the electronic value of the first type and a symbol of the electronic value of the second type. And (b) a symbol of the electronic value of the first type according to the transaction conditions. A step of transferring from the first transaction device to the second transaction device, and (c) the first transaction device is a transmission source of the user identification data with respect to the second transaction device. Transmitting the first user certification information for certifying that the symbol of the second type of electronic value is transferred from the second transaction device to the first transaction device according to the transaction conditions. A method of exchanging a symbol of electronic value, which includes ,.
希望と前記利用者識別データとを前記第２の取引装置へ
送信し、 前記第２の取引装置は受信した取引希望に応じて取引条
件を設定し、その取引条件を前記第１の取引装置へ送信
し、 前記第１の取引装置では前記取引条件を受信後、その取
引条件に合意するかの判断により前記合意を得ることを
特徴とする電子的価値の象徴の交換方法。2. The method according to claim 1, wherein in the step (a), a transaction request and the user identification data are transmitted from the first transaction device to the second transaction device, the transaction device to set the terms and conditions in response to the received transaction desired, and sends the transaction conditions to the first transaction apparatus, after receiving the transaction conditions in the first transaction apparatus, agreed to the transaction conditions A method of exchanging a symbol of electronic value, characterized in that the above-mentioned agreement is obtained according to a decision as to whether or not to do.
条件と前記利用者識別データとを前記第２の取引装置へ
送信し、 前記第２の取引装置は受信した取引条件に合意すると、
その取引条件を前記第 １の取引装置へ送信して、前記合
意を得る ことを特徴とする電子的価値の象徴の交換方
法。3. The method according to claim 1, wherein in the step (a) , the transaction is performed from the first transaction device.
Conditions and the user identification data to the second transaction device
And the second transaction device agrees to the received transaction terms,
The transaction conditions are transmitted to the first transaction device and the
A method of exchanging symbols of electronic value characterized by gaining intent .
おいて、 前記ステップ（ａ）で第２の取引装置から第１の取引装
置へ、前記取引条件に前記第２の取引装置が合意したこ
とを証明する第１の署名データを送信することを特徴と
する電子的価値の象徴の交換方法。4. A method according to any one of claims 1 to 3, wherein step (a) in the first transaction instrumentation from the second teller machine
The second transaction device has agreed to the transaction conditions.
A method of exchanging a symbol of electronic value, which comprises transmitting a first signature data proving that
おいて、 前記ステップ（ｂ）とステップ（ｃ）の間に前記第２の
取引装置が、前記第１の取引装置から前記第１の種類の
電子的価値の象徴を受領したことを証明する第２の署名
データを、第１の取引装置に送信するステップを含むこ
とを特徴とする電子的価値の象徴の交換方法。5. A method according to any one of claims 1 to 4, before Symbol second transaction apparatus during the step (b) and step (c), the from the first transaction device the A method of exchanging a symbol of electronic value, comprising the step of transmitting, to the first transaction device, second signature data certifying that one type of symbol of electronic value has been received.
おいて、 前記ステップ（ｃ）の後に前記第１の取引装置が、前記
第２の取引装置から前記第２の種類の電子的価値の象徴
を受領したことを証明する第２の利用者証明情報を、前
記第２の取引装置に送信するステップを含むことを特徴
とする電子的価値の象徴の交換方法。6. The method according to any one of claims 1 to 5, the first transaction apparatus before SL after the step (c) electronically from said second transaction apparatus of the second type An electronic value symbol exchange method comprising the step of transmitting, to the second transaction device, second user certification information certifying that the value symbol has been received.
電子的価値の象徴と、第２の取引装置が保持する第２の
種類の電子的価値の象徴とを交換する前記第１の取引装
置としてコンピュータを機能させるためのプログラムを
記録した記録媒体であって、前記プログラムは、 取引希望と利用者識別データを前記第２の取引装置へ送
信する処理と、 前記第２の取引装置と合意した取引条件に則った前記第
１の種類の電子的価値の象徴を前記第２の取引装置へ移
転する処理と、 前記第１の取引装置が、前記第２の取引装置に対して前
記利用者識別データの送信元であることを証明する第１
の利用者証明情報を送信する処理と、 前記第２の取引装置から前記第２の種類の電子的価値の
象徴の移転を受ける処理と、 を前記コンピュータに実行させるためのものである。7. The first exchange symbol for a first type of electronic value held by a first transaction device and the second exchange symbol for a second type of electronic value held by a second transaction device. Is a recording medium for recording a program for causing a computer to function as a transaction device of the above , wherein the program transmits a transaction request and user identification data to the second transaction device, and the second transaction device. And a process of transferring the symbol of the first type of electronic value to the second transaction device according to the transaction conditions agreed with, and the first transaction device performing the above-mentioned operation with respect to the second transaction device. First proof that it is the sender of user identification data
A process of transmission of the user certificate information, the processing from the second transaction apparatus receives a symbol of transfer of electronic value of the second type is intended to be executed before Symbol computer.
電子的価値の象徴と、第２の取引装置が保持する第２の
種類の電子的価値の象徴とを交換する前記第１の取引装
置としてコンピュータを機能させるプログラムを記録し
た記録媒体であって、前記プログラムは、 取引条件と利用者識別データを前記第２の取引装置へ送
信する処理と、前記第２の取引装置と合意した 前記取引条件に則った前
記第１の種類の電子的価値の象徴を前記第２の取引装置
へ移転する処理と、 前記第１の取引装置が、前記第２の取引装置に対して前
記利用者識別データの送信元であることを証明する第１
の利用者証明情報を送信する処理と、 前記第２の取引装置から前記第２の種類の電子的価値の
象徴の移転を受ける処理と、 を前記コンピュータに実行させるためのものである。8. The first exchange of the first type of electronic value symbol held by the first transaction device and the second type of electronic value symbol held by the second transaction device. Is a recording medium recording a program that causes a computer to function as a transaction device of the above, the program transmitting processing transaction conditions and user identification data to the second transaction device, and an agreement with the second transaction device. wherein the process of transferring to the second transaction device symbol of electronic value of the first kind in line with the transaction conditions, the first transaction device, said available for the second transaction apparatus First to prove that the sender of the personal identification data
A process of transmission of the user certificate information, the processing from the second transaction apparatus receives a symbol of transfer of electronic value of the second type is intended to be executed before Symbol computer.
て、前記プログラムは、 受信した、第２の取引装置が 前記取引条件に合意したこ
とを証明する署名を検証し、それに合格すると、前記第
１の種類の電子的価値の象徴の移転を実行する処理も前
記コンピュータに実行させるためのものである。9. The recording medium according to claim 7, wherein the program is received, and the second transaction device has agreed to the transaction conditions.
Verifies the signature to prove the door, and you pass it, before processing to perform before Symbol symbol of the transfer of the electronic value of the first kind
It is intended to be executed by a computer .
媒体において、前記プログラムは、 前記第１の種類の電子的価値の象徴が前記第２の取引装
置に受領されたことの署名付情報を、前記第２の取引装
置から受信する処理と、その受信された署名付き情報の
署名を検証する処理も前記コンピュータに実行させるた
めのものである。10. The recording medium according to any one of claims 7 to 9, wherein the program, with the signature of the symbol of the electronic value of the first type is received in the second teller machine The computer is made to execute the process of receiving information from the second transaction device and the process of verifying the signature of the received signed information .
It is for the first time .
録媒体において、前記プログラムは、 前記第２の種類の電子的価値の象徴の移転を受けたこと
を証明する情報を第２の取引装置へ送信する処理も前記
コンピュータに実行させるためのものである。11. The recording medium according to any one of claims 7 to 10 , wherein the program provides information proving that the symbol of the second kind of electronic value has been transferred. The process of transmitting to the second transaction device is also the above.
It is intended to be executed by a computer .
の電子的価値の象徴と、第２の取引装置が保持する第２
の種類の電子的価値の象徴とを交換する前記第２の取引
装置としてコンピュータを機能させるプログラムを記録
した記録媒体であって、前記プログラムは、 前記第１の取引装置から受信した取引希望と利用者識別
データに対応した取引条件を生成して前記第１の取引装
置へ送信する処理と、 前記第１の取引装置から第１の種類の電子的価値の象徴
を受領する処理と、 前記第１の取引装置から受信した利用者証明情報と、前
記受信した利用者識別データとの一致性を検証し、一致
性が得られると、前記取引条件に則った前記第２の種類
の電子的価値の象徴を前記第１の取引装置へ移転する処
理と、 を前記コンピュータに実行させるためのものである。12. A symbol of a first type of electronic value held by a first transaction device and a second symbol held by a second transaction device.
A type of recording medium that records the second transaction device program Ru cause the computer to function as the exchange of a symbol of electronic value, the program will deal hope and received from the first transaction apparatus A process of generating a transaction condition corresponding to user identification data and transmitting the transaction condition to the first transaction device; a process of receiving a symbol of a first type of electronic value from the first transaction device; a user certification information received from a teller machine, before <br/> Symbol verifies the consistency of the received user identification data, a match is obtained, the second in line with the terms and conditions it is intended to execute a process of transferring the type of the symbol of electronic value to the first transaction apparatus, a prior SL computer.
の電子的価値の象徴と、第２の取引装置が保持する第２
の種類の電子的価値の象徴とを交換する前記第２の取引
装置としてコンピュータを機能させるプログラムを記録
した記録媒体であって、前記プログラムは、 前記第１の取引装置から受信した取引条件と利用者識別
データ中の前記取引条件に合意すると、その取引条件を
前記第１の取引装置へ送信する処理と、 前記第１の取引装置から第１の種類の電子的価値の象徴
を受領する処理と、 前記第１の取引装置から受信した利用者証明情報と、前
記受信した利用者識別データとの一致性を検証し、一致
性が得られれば、前記取引条件に則った前記第２の種類
の電子的価値の象徴を前記第１の取引装置へ移転する処
理と、 を前記コンピュータに実行させるためのものである。13. A symbol of a first type of electronic value held by a first transaction device and a second symbol held by a second transaction device.
A type of recording medium that records the second transaction device program Ru cause the computer to function as the exchange of a symbol of electronic value, the program includes a transaction condition received from the first transaction apparatus A process of transmitting the transaction conditions to the first transaction device when agreeing to the transaction conditions in the user identification data , and a process of receiving a symbol of a first type of electronic value from the first transaction device. When the a first transaction received from the device user certification information to verify the consistency of the user identification data received; as long consistency is obtained, the second in line with the terms and conditions it is intended to execute a process of transferring the type of the symbol of electronic value to the first transaction apparatus, a prior SL computer.
において、前記プログラムは、 前記第１の取引装置へ送信する取引条件に署名を付ける
処理も前記コンピュータに実行させるためのものであ
る。 14. The recording medium according to claim 12 , wherein the program causes the computer to also execute a process of adding a signature to a transaction condition to be transmitted to the first transaction device.
It
記録媒体において、前記プログラムは、 前記第１の種類の電子的価値の象徴を受領すると、その
受領を示す情報に署名を付けて前記第１の取引装置へ送
信する処理も前記コンピュータに実行させるためのもの
である 。15. The recording medium according to claim 12 , wherein the program receives the symbol of the electronic value of the first type, and
Information is sent to the first transaction device with a signature attached.
The processing for receiving the information is also executed by the computer.
Is .
記録媒体において、前記プログラムは、 前記第２の種類の電子的価値の象徴の受領証明として前
記第１の取引装置から受信した第２の利用者証明情報
と、先に受信した利用者識別データのもう１つのものと
の一致性を確認する処理も前記コンピュータに実行させ
るためのものである。In the recording medium according to any one of claims 16] claims 12 to 15, wherein the program, second received from the first transaction apparatus as a symbol of receipt certificate the electronic value of the second type User certification information
When, also a process of confirming the consistency with what another user identification data received earlier is executed by the computer
It is for the purpose .
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP29362598A JP3401198B2 (en) | 1998-10-15 | 1998-10-15 | Method of exchanging symbols of different types of electronic value and program recording medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP29362598A JP3401198B2 (en) | 1998-10-15 | 1998-10-15 | Method of exchanging symbols of different types of electronic value and program recording medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| JP2000123099A JP2000123099A (en) | 2000-04-28 |
| JP3401198B2 true JP3401198B2 (en) | 2003-04-28 |
Family
ID=17797142
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP29362598A Expired - Lifetime JP3401198B2 (en) | 1998-10-15 | 1998-10-15 | Method of exchanging symbols of different types of electronic value and program recording medium |
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| Country | Link |
|---|---|
| JP (1) | JP3401198B2 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002334285A (en) * | 2001-05-10 | 2002-11-22 | Hitachi Ltd | System for performing a plurality of electronic money account settlements as agent |
| JP2004280173A (en) * | 2003-03-12 | 2004-10-07 | Sun Corp | Point-based rental system |
| US20050222961A1 (en) * | 2004-04-05 | 2005-10-06 | Philippe Staib | System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device |
| KR20140038473A (en) * | 2011-05-31 | 2014-03-28 | 블랙호크 네트워크, 아이엔씨. | A system for payment via electronic wallet |
| SG11201804538UA (en) * | 2015-11-30 | 2018-06-28 | Shapeshift Ag | Systems and methods for improving security in blockchain-asset exchange |
-
1998
- 1998-10-15 JP JP29362598A patent/JP3401198B2/en not_active Expired - Lifetime
Also Published As
| Publication number | Publication date |
|---|---|
| JP2000123099A (en) | 2000-04-28 |
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