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    • 8. 发明授权
    • Method and system for postdating of financial transactions
    • 金融交易后期方法和制度
    • US07434726B2
    • 2008-10-14
    • US11434331
    • 2006-05-15
    • Bradley R. HammellMatthew J. CampagnaRobert A. CorderyBertrand HaasLeon A. Pintsov
    • Bradley R. HammellMatthew J. CampagnaRobert A. CorderyBertrand HaasLeon A. Pintsov
    • G06F19/00
    • G06Q20/3823G06Q20/04G06Q20/10G06Q20/40
    • Methods and systems that prevent completion of postdated financial transactions until the specified future date is provided. A portion of the information necessary to complete a financial transaction is encrypted utilizing an identity-based encryption (IBE) scheme. The encryption key used to encrypt the information is associated with the date on which the transaction is authorized to be completed. The encrypted information is provided to the payee. The issuing bank provides a daily decryption key that allows decryption of information encrypted using the key associated with the corresponding date. Thus, only when the maturity date of the transaction has arrived will the payee or depositing bank be able to obtain the decryption key that will decrypt the encrypted information necessary to complete the transaction. Since the encrypted information can not be decrypted until the date associated with the encryption key, the financial transaction can not be completed until such date.
    • 提供在指定的未来日期之前阻止完成后期金融交易的方法和系统。 使用基于身份的加密(IBE)方案来加密完成金融交易所需的一部分信息。 用于加密信息的加密密钥与交易被授权完成的日期相关联。 加密信息被提供给收款人。 开证行提供每日解密密钥,允许使用与相应日期相关联的密钥加密的信息进行解密。 因此,只有当交易的到期日到来时,收款人或存款银行才能获得将解密完成交易所必需的加密信息的解密密钥。 由于加密信息在与加密密钥相关的日期之前不能被解密,所以直到这样的日子才能完成金融交易。