【発明の名称】ハッシュおよびデジタル署名を用いることによって、詐欺を阻止する電子請求書提示および支払システム

Japanese Patent JP3455179

B2

An electronic bill presentment and payment system includes multiple biller computers, a bill presentment computer, and multiple customer computers. Each biller computer stores complete bills for the customer of a corresponding biller, and the bill presentment computer stores a respective summary of each complete bill along with a hash of that complete bill which is digitally signed by the biller computer. Each particular customer computer makes a payment on a selected complete bill by generating a payment message which includes a) the hash of the selected complete bill digitally signed by the biller computer, and b) an authorization to pay a specified amount of funds on the selected complete bill, both of which are digitally signed by that particular customer computer. This payment message is stored in a closing record for use in resolving issues regarding whether or not the bill was changed after payment was authorized, and whether or not an alleged payment on the selected bill was authorized.

WO/2003/088113	METHOD FOR CREDIT CARD PAYMENT SETTLEMENT AND SYSTEM FOR SAME
JP2003510692	INDUSTRIAL APPLICABILITY A system that executes prepayment of goods or services acquired via electronic means.
JP7128089	Management server, alternative parking system, program

Smolodinsky, Lev

JP2000504535A

October 14, 2003

July 22, 1998

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Unisys Corporation

G06Q20/04; G06Q20/08; G06Q20/10; G06Q20/14; G06Q20/40; G06Q30/04; G09C1/00; H04L9/32; (IPC1-7): G06F17/60; G06F19/00

【文献】欧州特許出願公開745947(EP,A1)

Fukami Hisaro (5 others)

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