| 摘要 |
<p>A smart card payment system (51, 52, 53) using stored value in the form of serialized (51-L) electronic coins (51-D) and electronic bills (51-0, 52-0, 53-0), which provides efficient security monitoring without the need for full centralized accounting of each transaction. Central monitoring of the system-level security includes statistical sampling techniques coupled with efficient tracing of the transaction path of an electronic coin (51-D) back to its source. Only small amounts of data storage and transmission (51-E, 52-2, 52-11) are utilized, eliminating the need for large centralized databases of transaction records. Consumer privacy as well as flexibility in making card-to-card monetary transfers are thereby enhanced, while allowing verification of system-wide security as well as rapid detection and tracing of security breaches. Multiple editions of electronic coins (51-D) permit transparent and periodic renewal of the system and re-establishment of a security baseline, and also provide for the regular reclamation of stored value lost or abandoned by consumers.</p> |
