은행

고객상점

인출단계

지불단계

결제단계

)(

)(mod

pp

xp

qRp

ySignA

phgy

Zx

p

=

=

∈

← pp Ax ,

pp

ppg

xp

xy

AxVer

phgy p

, store

1),(

)(mod?

=

=

Cp

hpC

xy

qxxx

, store

)(mod)( 1−+=

qRA Zx ∈

→ App xAy ,,

ApA

AA

xpA

Pp

yyx

ySigns

pyy

AyVerg

A

,, store

)(

)(mod

1),(?

=

=

=

CAAAA

CA

Apg

spA

cntsyx

cnt

syVer

pyy A

,

,

?

,,, store

0

1),(

)(mod1

=

=

=−

)(mod

,

21

21

phgt

Zrrrr

qR

=

∈ → AA xyt ,,

qR

AAJ

Zu

xyVer

∈=1),(?

←u

)(mod

)(mod

21

2

11

1

qruxs

qrxuxs

A

Ap

+=

+=−

−

BAA

BA

ssA

cnty

cnt

pkgty

,

,

?

, store

0

)(mod21

==

→ 21 , AA

→ pyv ,)(mod pyt

Zrr

qR

=

∈

←t

)(mod

)||||(

)(mod

,

,

qcc

cntytHc

pyxtt

Z

CAA

p

qR

α

βαβα

−=

=

=

∈

→c)(mod qxxcrs pC−=

←s

oneby increase

),( store

)(mod

)(mod

)(mod

,

?

CA

A

ep

sp

cnt

cs

qxss

pzyt

qss

′=

=

+=′

′

β

Py Py~ Ay~

Py

Py~

→ Ayvsc ,,,

oneby increase

account scustomer' credit the

)||||(

)(mod

,

,

?

BA

BAA

cn

sA

cnt

cntytHc

pxyt

=

=