Automated transaction machine digital signature system and method

• US 20020129257A1
• Filed: 03/05/2002
• Published: 09/12/2002
• Est. Priority Date: 03/07/2001
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Parmelee, Christopher L.
• Granted Patent: US 7,216,083 B2
• Time in Patent Office: Days
• US Class Current: 713/180
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

An automated transaction machine such as an ATM (10) is provided. The ATM is operative to digitally sign electronic documents (42). The ATM may be in operative connection with a storage server (32). The storage server is operative responsive to the ATM to maintain electronic documents (42) in a data store (34) in association with the user'"'"'s digital safe deposit account (40) and/or a financial account (48) such as checking, savings, debit, or credit account. The storage server is further operative to store a private key (44) of a user in association with the user'"'"'s digital safe deposit account and/or financial account. The ATM is operative to cause electronic documents to be signed using the private key associated with the user. The ATM is further operative to output the electronic document on a display device (18) of the ATM where the user may view and edit the electronic document.

Claims

1. A method comprising:

a) producing a plurality of digital certificates for a plurality of individual customers, wherein each individual customer is associated with an account;

b) associating the accounts of the individual customers with the corresponding digital certificates of the individual customers;

c) producing at least one card for each of the individual customers, wherein each card includes a first visible indica thereon which corresponds to a source indicator mark for a digital signature service, wherein each card includes machine readable data corresponding to an account number associated with the account of the individual customer;

d) sending the cards to the individual customers; and

e) enabling each individual customer to digitally sign an electronic document using any one of a plurality of automated transaction machines and one of the cards, wherein each automated transaction machine is operative to display a visual representation of the electronic document through a display device of the automated transaction machine, wherein each automated transaction machine is operative to cause the electronic document to be digitally signed through communication with the digital signature service, wherein the communication includes the account number read from the card by the automated transaction machine.

2. The method according to claim 1, wherein in step (e) each of the machines includes a second visible indicia which corresponds to a source indicator mark for the digital signature service.

3. The method according to claim 2, wherein in step (e) the second indicia is displayed adjacent a fascia of the automated transaction machines, wherein the first indicia and the second indicia are visually similar.

4. The method according to claim 1, wherein in step (a) each digital certificate includes a public key that corresponds to a private key, wherein in step (c) the digital signature service is operative to cause the electronic document to be digitally signed responsive to the private key that corresponds to the public key of the digital certificate which is associated with the account of the individual customer using the machine.

5. The method according to claim 1, wherein in step (e) the digital signature service is operative to access a private key associated with the account number read from the card, wherein the digital signature service is operative cause the electronic document to be digitally signed responsive to the private key.

6. The method according to claim 1, wherein in step (c) the cards correspond to financial account cards, wherein the accounts correspond to financial accounts.

7. The method according to claim 6, wherein in step (e) the automated transaction machines are operative to cause processing fees to be assessed for the digital signing of electronic documents, and further comprising:

f) enabling an entity that manages the financial accounts for the individual customers to receive at least a portion of the processing fees.

8. The method according to claim 1, wherein in step (e) the automated transaction machines include digitizing signature pads, wherein the automated transaction machines are operative to include handwritten signature data captured with the digitizing signature pads in the electronic documents.

9. The method according to claim 1, wherein at least some of the automated transaction machines include cash dispensers, wherein the automated transaction machines that include cash dispensers are further operative to dispense cash.

10. The method according to claim 9, wherein in step (c) the cards correspond to bank cards, wherein the accounts correspond to banking accounts, and wherein the automated transaction machines include cash dispensers, and wherein the automated transaction machines are further operative to dispense cash withdrawn from the banking accounts.

11. The method according to claim 1, wherein in step (a) the accounts correspond to digital safe deposit accounts, wherein in step (c) the cards correspond to digital safe deposit account cards.