| 摘要 |
A secure electronic monetary transaction system (SEMTS) provides absolute security for electronic financial transactions. These transactions can be of any kind provided they are numeric in content and of known length. The SEMTS encrypts and decrypts source numeric data using a private, numeric key known only by both parties in the transaction. The secure distribution of these keys will be under the same methods that the financial institutions use to distribute the original source data such as credit cards, account numbers, etc. The system uses nine simple, open formulas for translating source numbers into encrypted cipher numbers. These formulas return every possible value, except the input value, and are completely dependent on the key. Because there are no hidden parts, the architecture of the SEMTS is completely available to anyone in the public sector. This open architecture makes stealing the cipher numbers worthless. The only way to break a number is to know the key. The only way to get the key is to physically steal it, which is the exact same risk entailed in the original source, e.g., a credit card. The total openness and absolute security delivered by the SEMTS is what is missing in all other available financial transaction schemes, and it is what is required by the public to have complete confidence in electronic financial transactions. |
