Account authority digital signature
First Claim
1. A method of validating the identity of a sender of an electronic message comprising the steps of:
- associating sender validation information with sender identity information in a computer system;
receiving into a terminal, the electronic message, encoding information derived from the electronic message and sender identity information;
sending the electronic message, the encoding information and the sender identity information to the computer system;
in the computer system, retrieving the validating information associated with the received sender identity information; and
validating the identity of the sender using the retrieved validating information and the electronic message.
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Accused Products
Abstract
The reliability of electronic encoding, e.g., digital signatures, are incorporated into current business processes to identify the sender of an electronic message as well as the accuracy of the electronic message. An institution records an encoding key and associates it with account information from the sender. This initial recording may be performed using any of the validation procedures utilized today by a business institution. After the initial validation of the encoding key, validating future electronic transactions occurs by including encoding information that can be deciphered using the encoding key initially stored. To validate an electronic transaction, the sender sends the electronic transaction message, the encoding information and sender identity information to the person or institution where the sender desires validation. Having received this information, the computer system performing the validation applies the encoding key to the encoding information and analyzes the electronic transaction message to validate the identity of the sender and the reliability of the message.
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Citations
31 Claims
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1. A method of validating the identity of a sender of an electronic message comprising the steps of:
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associating sender validation information with sender identity information in a computer system;
receiving into a terminal, the electronic message, encoding information derived from the electronic message and sender identity information;
sending the electronic message, the encoding information and the sender identity information to the computer system;
in the computer system, retrieving the validating information associated with the received sender identity information; and
validating the identity of the sender using the retrieved validating information and the electronic message. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of validating the identity of a sender of an electronic message comprising the steps of:
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associating a sender public key with sender account information in a computer system;
receiving into a terminal, the electronic message, a digital signature derived from the electronic message and the sender account information;
sending the electronic message, the digital signature and the sender account information to the computer system;
in the computer system, retrieving the sender public key associated with the received sender account information; and
validating the identity of the sender using the sender public key, the digital signature and the electronic message. - View Dependent Claims (8, 9, 10, 11, 13, 14, 15, 16, 18, 19, 20)
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12. A method of validating the identity of a sender of an electronic message comprising the steps of:
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receiving an encoding key, an electronic message and sender identity information into a terminal;
applying the encoding key to the electronic message to create an encoded message;
sending the encoded message, the electronic message and sender identity information to a computer system for validation; and
receiving from the computer system whether the message was validated.
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17. A method of validating the identity of a sender of an electronic message comprising the steps of:
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receiving an encoded message, an electronic message and sender identity information into a terminal;
sending the encoded message, the electronic message and sender identity information to a computer system for validation;
receiving from the computer system whether the message was validated; and
performing an action based on the electronic message and received validation results.
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21. A method of validating the identity of a sender of an electronic message comprising the steps of:
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associating validation information from the sender with sender identity information;
receiving the electronic message, an encoded message and the sender identity information electronically;
retrieving the validation information associated with the received sender identity information;
applying validation information to the encoded message; and
validating the identity of the sender by comparing the results of applying the validation information to the encoded message to the electronic message. - View Dependent Claims (22, 23, 24, 25, 26, 28, 29, 30)
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27. A method of validating the identity of a sender of an electronic message comprising the steps of:
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associating a public key from the sender with sender account information;
receiving the electronic message, a digital signature and the sender account information electronically;
retrieving the public key associated with the received sender account information;
applying the public key to the received digital signature; and
validating identity of the sender by comparing the results of applying the public key to the digital signature to the electronic message. - View Dependent Claims (31)
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Specification