| 摘要 |
A technique for secure electronic commerce is disclosed wherein a transaction initiator (26) has a primary identifier and a list of secondary identifiers stored therein, each of which is valid for a single transaction. An identification center (36) receives the primary and secondary verification numbers and verifies that the primary number is valid and that the secondary number is appropriate for a current transaction using the primary number. The transaction initiator comprises an enhanced monetary card, such as a credit card or a stored value card, which includes an embedded processor, and which provides the secondary number for each transaction. The secondary numbers are stored in a lookup table, which is also available to the identification center. The values in the lookup table are indexed according to a transaction counter and are preferably communicated to the identification center without encryption or challenge. In some embodiments the transaction initiator comprises other types of hardware such as a personal computer in conjunction with secondary memory such as a CDr for storing secondary numbers and software. |
