Three Party Account Authority Digital Signature (AADS) System
First Claim
1. In a system for making a purchase by a customer from a merchant including an electronic message representing an instruction for payment from an account with a financial institution, a method comprising the steps of:
- (a)associating a public key with identity information regarding the account;
(b)receiving by the merchant both,
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Accused Products
Abstract
A system for making a purchase by a customer from a merchant, wherein an electronic message represents an instruction for payment from an account with a financial institution, includes a method of: associating a public key with identity information regarding the account; receiving by the merchant both encoding information for the electronic message and the identity information; forwarding by the merchant the electronic message, encoding information, and identity information; upon receipt of the electronic message, the encoding information, and identity information, retrieving the public key associated with the identity information; and determining a validation result as a function of the electronic message, the encoding information, and the retrieved public key. Upon successful validation, an account authorization is performed or payment from the account is made.
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Citations
72 Claims
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1. In a system for making a purchase by a customer from a merchant including an electronic message representing an instruction for payment from an account with a financial institution, a method comprising the steps of:
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(a)associating a public key with identity information regarding the account; (b)receiving by the merchant both, - View Dependent Claims (2, 3, 4, 5, 6, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27)
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7. In a system for making a purchase by a customer from a merchant including an electronic message representing an instruction for payment from an account with a financial institution, a method comprising the steps of:
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(a)associating a public key with identity information regarding the account; (b)receiving by the merchant both,
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28. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, the system including a method comprising the steps of:
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(a)receiving from the merchant, (i)the electronic message, - View Dependent Claims (30, 31, 32, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
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29. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, a method comprising the steps of:
(a)receiving from the merchant,
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33. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, a method comprising the steps of:
(a)receiving from the customer, - View Dependent Claims (38, 39, 40, 41)
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34. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, a method comprising the steps of:
(a)receiving from the customer,
- 35. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, a method comprising the step of providing to the merchant (i) encoding information for the electronic message and (ii) the account information for forwarding thereof with the electronic message by the merchant to a validation entity for receiving from the validation entity authorization for payment from the account following a successful validation by the validation entity that is a function of the electronic message, the encoding information, and the public key associated with the account information.
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36. In a system for making a purchase by a customer from a merchant including an electronic message representing payment from an account with a financial institution and that includes account information associated with a public key, a method comprising the step of providing to the merchant (i) encoding information for the electronic message and (ii) the account information for forwarding thereof with the electronic message by the merchant to the financial institution for payment from the account following a successful validation by the financial institution that is a function of the electronic message, the encoding information, and the public key associated with the account information.
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59. In a system for validating the identity of a sender of an electronic communication received regarding an action on an account with a financial institution, a method comprising the steps of:
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(a)the sender deriving, in connection with a specific transaction with a merchant, a digital signature for an electronic message regarding the action on the account; (b)providing the digital signature to the merchant; and (c)the merchant forwarding the digital signature to the financial institution without modification of the digital signature. - View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72)
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Specification