Sending electronic transaction message, digital signature derived therefrom, and sender identity information in AADS system
First Claim
1. In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication includes sender identity information associated with the account and a digital signature derived using a private key of a public-private key pair from an electronic message possessed first by the sender before the receiver, said sender identity information being different from said electronic message, and wherein the public key of the pair has been associated with the account by the receiver such that the public key is retrievable based on the sender identity information, validating the identity of the sender for the electronic communication only by performing a method consisting of the steps of:
- (a) retrieving the public key based on the sender identity information received in the electronic communication; and
(b) comparing a function of the public key and the digital signature with a function of the electronic message, whereby a comparison resulting in a match validates the identity of the sender.
8 Assignments
0 Petitions
Accused Products
Abstract
In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication includes sender identity information associated with the account and a digital signature derived using a private key of a public-private key pair, and wherein the public key has been associated with the account by the receiver such that the public key is retrievable based on the sender identity information, a method of validating the identity of the sender for the electronic communication includes: (a) retrieving the public key based on the received sender identity information; and (b) comparing a function of the public key and the digital signature with a function of the electronic message. The digital signature is derived from an electronic message possessed first by the sender before the receiver. The sender identity information is different from the electronic message.
116 Citations
23 Claims
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1. In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication includes sender identity information associated with the account and a digital signature derived using a private key of a public-private key pair from an electronic message possessed first by the sender before the receiver, said sender identity information being different from said electronic message, and wherein the public key of the pair has been associated with the account by the receiver such that the public key is retrievable based on the sender identity information, validating the identity of the sender for the electronic communication only by performing a method consisting of the steps of:
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(a) retrieving the public key based on the sender identity information received in the electronic communication; and
(b) comparing a function of the public key and the digital signature with a function of the electronic message, whereby a comparison resulting in a match validates the identity of the sender. - View Dependent Claims (5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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2. In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication includes sender identity information associated with the account and a digital signature derived using a private key of a public-private key pair from an electronic message possessed first by the sender before the receiver, said sender identity information being different from said electronic message, wherein the public key of the pair has been associated with the account by the receiver such that the public key is retrievable based on the sender identity information, and wherein neither a PIN nor a password is required to be transmitted to the receiver for validating the identity of the sender, a method of validating the identity of the sender for the electronic communication comprising the steps of:
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(a) retrieving the public key based on the sender identity information received in the electronic communication; and
(b) comparing a function of the public key and the digital signature with a function of the electronic message, whereby a comparison resulting in a match validates the identity of the sender.
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3. In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication includes sender identity information for the account comprising other than an account number and a digital signature derived using a private key of a public-private key pair from an electronic message possessed first by the sender before the receiver, said sender identity information being different from said electronic message, and wherein the public key of the pair has been associated with the sender identity information by the receiver such that the public key is retrievable based on the sender identity information, a method for validating the identity of the sender for the electronic communication comprising the steps of:
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(a) retrieving the public key based on the sender identity information received in the electronic communication; and
(b) comparing a function of the public key and the digital signature with a function of the electronic message, whereby a comparison resulting in a match validates the identity of the sender.
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4. In a system for performing an action regarding an account in response to an electronic communication received from a sender by a receiver, wherein the electronic communication is the only electronic communication received from the sender by the receiver relating to the action, wherein the electronic communication includes sender identity information associated with the account and a digital signature derived using a private key of a public-private key pair from an electronic message possessed first by the sender before the receiver, said sender identity information being different from said electronic message, and wherein the public key of the pair has been associated with the sender identity information by the receiver such that the public key is retrievable based on the sender identity information, a method for validating the identity of the sender for the electronic message comprising the steps of:
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(a) retrieving the public key based on the sender identity information received in the electronic communication; and
(b) comparing a function of the public key and the digital signature with a function of the electronic message, whereby a comparison resulting in a match validates the identity of the sender.
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Specification