SYSTEM FOR IMMEDIATE AND ANONYMOUS TRANSFER OF (VIRTUAL GUARANTEES CONCERNING) VIRTUAL TRADE PAPER, THE MONITORING OF VIRTUAL TRADE PAPER OR VIRTUAL MONEY IN CIRCULATION AND THE CHARGING OF THE SYSTEM COSTS TO THE USERS IN RATIO TO THEIR USE

摘要

The invention concerns systems for the anonymous transfer of value between value carriers like ISO-7810 cards and the like (also among themselves). To have the system fall under contract law, it is provided for that the working of the computer programmes is such that "virtual trade paper" is created; the legal effects of its use may be laid down in a multi-party contract. To notice the presence of false virtual trade paper in such a system or of false "electronic money" in a system based on that value in an early stage without damaging the anonymity of the payments, it is provided for that groups of value carriers are assigned codes, that value received by a value carrier is coupled with the code of the transferring value carrier and that a system of conditionally blocking and resetting of value carriers leads to central registration of the anonymous transactions and comparing these with the data relating to the value that is centrally brought into or taken outof the system. To settle the system costs in proportion with the use of it, it is provided for that the working of the computer programmes is such that leads to fixing, recording (and subsequently centrally registering) of the cost thereof as well as to reducing the value present in the value carrier by the value of this cost; besides, the programmes bring about that for residual value the highest value is determined that can be transferred leaving precisely the value that is equal to the cost of such a transaction.