PROCEDURE FOR DIRECT TRANSFER OF ELECTRONIC COIN DATA SETS BETWEEN TERMINAL DEVICES, PAYMENT SYSTEM, CURRENCY AND MONITORING UNIT

摘要

The invention relates to a method for the direct transmission of electronic coin data sets between terminals, wherein a first terminal has at least one electronic coin data set, the at least one electronic coin data set having a monetary amount and a concealment amount, with the steps of: defining a masking mode from at least two masking modes, wherein a first masking mode comprises: masking the electronic coin data set, preferably in the first terminal, by applying a homomorphic one-way function to the electronic coin data set to obtain a completely masked electronic coin data set; and registering a masked electronic coin data record in a monitoring entity. The invention also relates to a payment system with a monitoring layer with a decentrally controlled database in which masked electronic coin data records are stored; and a direct transaction layer with at least two terminals in which the method can be carried out.