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ecash wikipedia jump to content main menu main menu move to sidebar hide navigation main page contents current events random article about wikipedia contact us contribute help learn to edit community portal recent changes upload file special pages search search appearance donate create account log in personal tools donate create account log in contents move to sidebar hide top 1 design 2 history 3 see also 4 references 5 literature 6 external links toggle the table of contents ecash 7 languages العربية dansk deutsch suomi galego հայերեն русский edit links article talk english read edit view history tools tools move to sidebar hide actions read edit view history general what links here related changes upload file permanent link page information cite this page get shortened url switch to legacy parser print export download as pdf printable version in other projects wikidata item appearance move to sidebar hide from wikipedia the free encyclopedia electronic cash system ecash was conceived by david chaum as an anonymous cryptographic electronic money or electronic cash system in 1982 it was realized through his corporation digicash and used as micropayment system at one us bank from 1995 to 1998 design edit chaum published the idea of anonymous electronic money in a 1983 paper 1 ecash software on the user s local computer stored money in a digital format cryptographically signed by a bank the user could spend the digital money at any shop accepting ecash without having to open an account with the vendor first or transmitting credit card numbers security was ensured by public key digital signature schemes the rsa blind signatures achieved unlinkability between withdrawal and spend transactions depending on the payment transactions one distinguishes between on line and off line electronic cash if the payee has to contact a third party e g the bank or the credit card company acting as an acquirer before accepting a payment the system is called an on line system 2 in 1990 chaum together with moni naor proposed the first off line e cash system which was also based on blind signatures 3 history edit chaum started the company digicash in 1989 with ecash as its trademark he raised 10 million from david marquardt and by 1997 nicholas negroponte was its chairman 4 yet in the united states only one bank the mark twain bank in saint louis mo implemented ecash testing it as micropayment system 5 similar to credit cards the system was free to purchasers while merchants paid a transaction fee after a three year trial that signed up merely 5 000 customers the system was dissolved in 1998 one year after the bank had been purchased by mercantile bank a large issuer of credit cards 5 david chaum opined then as the web grew the average level of sophistication of users dropped it was hard to explain the importance of privacy to them 4 in europe with fewer credit cards and more cash transactions micropayment technologies made more sense 5 in june 1998 ecash became available through credit suisse in switzerland was available from deutsche bank in germany bank austria sweden s posten ab and den norske bank of norway while in japan nomura research institute marketed ecash to financial institutions 5 in australia ecash was implemented by st george bank and advance bank but transactions were not free to purchasers 4 in finland merita bank eunet made ecash available 6 7 digicash went bankrupt in 1998 despite flourishing electronic commerce but with credit cards as the currency of choice 4 digicash was sold to ecash technologies including its ecash patents in 2000 ecash technologies sued ecash com alleging trademark infringement and unfair competition ecash com counterclaimed that ecash technologies trademark registration was fraudulently obtained because it failed to disclose ecash com s registration of the ecash com domain name to the u s patent and trademark office 8 the court rejected ecash com s counterclaim saying a trademark applicant must disclose a third party s rights only if they are clearly established the court argued because the mere registration of a domain name does not confer trademark rights let alone clearly established rights ecash technologies had no duty to disclose defendant s registration of the ecash com domain name to the pto however ecash technologies subsequently went bankrupt and the domain ecash com remained in possession of the original owner in 2002 ecash technologies was acquired by infospace 9 currently known as blucora as of 2015 the term ecash is used for the digital cash that can be stored on an electronically sensitive card including online or alternative payment portals and mobile applications 10 11 see also edit e commerce references edit chaum david 1983 blind signatures for untraceable payments advances in cryptology pdf vol 82 pp 199 203 doi 10 1007 978 1 4757 0602 4_18 isbn 978 1 4757 0604 8 berry schoenmakers 1998 basic security of the ecash payment system pdf in preneel b rijmen v eds computer security and industrial cryptography state of the art and evolution retrieved 30 october 2014 chaum d fiat a naor m 1990 untraceable electronic cash pdf in s goldwasser ed advances in cryptology crypto 88 proceedings new york springer verlag pp 319 327 archived from the original pdf on 2011 09 03 retrieved 2012 10 10 1 2 3 4 pitta julie 1 november 1999 requiem for a bright idea forbes retrieved 26 october 2014 1 2 3 4 tim clark 2 september 1998 digicash loses u s toehold cnet salonharju inkeri elektra projektin loppuraportti conference archived from the original on 2011 07 09 retrieved 2013 05 18 järvinen petteri 1996 internet muutostekijä werner söderström osakeyhtiö isbn 951 0 21704 2 united states district court c d california 30 october 2000 ecash technologies inc v guagliardo d b a ecash com netconcept interactive netconcept netconcept inc defendants counterclaimants 127 f supp 2d 1069 c d cal 2000 steve bills 1 march 2002 in brief infospace buys ecash technologies american banker retrieved 30 october 2014 e cash supersedes old school pocket money mobile ecash payment for merchants now made easy by ezetap literature edit schneier bruce applied cryptography second edition john wiley sons 1996 isbn 0 471 11709 9 chapter 6 4 richard a mollin rsa and public key cryptography p 143 148 2002 isbn 1 58488 338 3 isbn 978 1 58488 338 8 goldwasser s and bellare m lecture notes on cryptography archived 2012 04 21 at the wayback machine summer course on cryptography mit 1996 2001 pp 233 external links edit an introduction to ecash at the wayback machine archived october 9 1997 detecting double spending hal finney s introduction to chaumian digital cash ecash com archived 2023 08 21 at the wayback machine ecash com retrieved from https en wikipedia org w index php title ecash oldid 1344457043 categories cryptographic protocols digital currencies financial cryptography payment systems hidden categories articles with short description short description matches wikidata webarchive template wayback links this page was last edited on 20 march 2026 at 15 42 utc page was rendered with parsoid text is available under the creative commons attribution sharealike 4 0 license additional terms may apply by using this site you agree to the terms of use and privacy policy wikipedia is a registered trademark of the wikimedia foundation inc a non profit organization privacy policy about wikipedia disclaimers contact wikipedia legal safety contacts code of conduct developers statistics cookie statement mobile view search search toggle the table of contents ecash 7 languages add topic