ACCOUNT AUTHORITY DIGITAL SIGNATURE (AADS) SYSTEM
First Claim
1. In a system for performing an action, in response to an electronic communication regarding an account, which electronic communication is received from a sender by a receiver, a method comprising the steps of:
- (a) initially, associating by the receiver, sender identity information and a public key of a public-private key pair with the account such that the public key is retrievable based on the sender identity information, wherein the account comprises entity information, and wherein the public key is associated with the account in a computer database; and
thereafter (b) receiving the electronic communication from the sender, (i) wherein the electronic communication was created after the association of the sender identity information and the public key with the account in step (a), (ii) wherein the electronic communication comprises, (A) the sender identity information, and (B) a digital signature derived from an electronic message using the private key of the pair, and (iii) wherein the electronic communication is communicated electronically from the sender; and
(c) validating the identity of the sender for the electronic communication by only performing the steps of, (i) utilizing the sender identity information received in the electronic communication to retrieve the public key based on the association of the sender identity information and the public key with the account performed in step (a), and (ii) comparing a function of the public key and the digital signature with a function of the electronic message, wherein the function of the public key and the digital signature comprises decrypting the digital signature using the public key, whereby a comparison resulting in a match validates the identity of the sender.
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Accused Products
Abstract
In a system for performing an action regarding an account comprising entity information 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 from an electronic message using a private key of a public-private key pair, 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, 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. Neither a PIN nor a password is required to be transmitted to the receiver for validating the identity of the sender.
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Citations
37 Claims
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1. In a system for performing an action, in response to an electronic communication regarding an account, which electronic communication is received from a sender by a receiver, a method comprising the steps of:
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(a) initially, associating by the receiver, sender identity information and a public key of a public-private key pair with the account such that the public key is retrievable based on the sender identity information, wherein the account comprises entity information, and wherein the public key is associated with the account in a computer database; and
thereafter(b) receiving the electronic communication from the sender, (i) wherein the electronic communication was created after the association of the sender identity information and the public key with the account in step (a), (ii) wherein the electronic communication comprises, (A) the sender identity information, and (B) a digital signature derived from an electronic message using the private key of the pair, and (iii) wherein the electronic communication is communicated electronically from the sender; and
(c) validating the identity of the sender for the electronic communication by only performing the steps of, (i) utilizing the sender identity information received in the electronic communication to retrieve the public key based on the association of the sender identity information and the public key with the account performed in step (a), and (ii) comparing a function of the public key and the digital signature with a function of the electronic message, wherein the function of the public key and the digital signature comprises decrypting the digital signature using the public key, 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, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37)
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2. In a system for performing an action, in response to an electronic communication regarding an account, which electronic communication is received from a sender by a receiver, a method comprising the steps of:
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(a) initially, associating by the receiver, sender identity information and a public key of a public-private key pair with the account such that the public key is retrievable based on the sender identity information, wherein the account comprises entity information, and wherein the public key is associated with the account in a computer database; and
thereafter(b) receiving the electronic communication from the sender, (i) wherein the electronic communication was created after the association of the sender identity information and the public key with the account in step (a), (ii) wherein the electronic communication comprises, (A) the sender identity information, and (B) a digital signature derived from an electronic message using the private key of the pair, and (iii) wherein the electronic communication is communicated electronically from the sender; and
(c) validating the identity of the sender for the electronic communication by, (i) utilizing the sender identity information received in the electronic communication to retrieve the public key based on the association of the sender identity information and the public key with the account performed in step (a), and (ii) comparing a function of the public key and the digital signature with a function of the electronic message, wherein the function of the public key and the digital signature comprises decrypting the digital signature using the public key, whereby a comparison resulting in a match validates the identity of the sender, and wherein neither a PIN nor a password is required to be transmitted to the receiver for validating the identity of the sender.
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3. In a system for performing an action, in response to an electronic communication regarding an account, which electronic communication is received from a sender by a receiver, a method comprising the steps of:
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(a) initially, associating by the receiver, sender identity information and a public key of a public-private key pair with the account such that the public key is retrievable based on the sender identity information, wherein the account comprises entity information and the sender identity information comprises other than an account number, and wherein the public key is associated with the account in a computer database; and
thereafter(b) receiving the electronic communication from the sender, (i) wherein the electronic communication was created after the association of the sender identity information and the public key with the account in step (a), (ii) wherein the electronic communication comprises, (A) the sender identity information, and (B) a digital signature derived from an electronic message using the private key of the pair, and (iii) wherein the electronic communication is communicated electronically from the sender; and
(c) validating the identity of the sender for the electronic communication by, (i) utilizing the sender identity information received in the electronic communication to retrieve the public key based on the association of the sender identity information and the public key with the account performed in step (a), and (ii) comparing a function of the public key and the digital signature with a function of the electronic message, wherein the function of the public key and the digital signature comprises decrypting the digital signature using the public key, 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, in response to an electronic communication regarding an account, which electronic communication is received from a sender by a receiver, a method comprising the steps of:
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(a) initially, associating by the receiver, sender identity information and a public key of a public-private key pair with the account such that the public key is retrievable based on the sender identity information, wherein the account comprises entity information, and wherein the public key is associated with the account in a computer database; and
thereafter(b) receiving the electronic communication from the sender, (i) wherein the electronic communication was created after the association of the sender identity information and the public key with the account in step (a), (ii) wherein the electronic communication comprises, (A) the sender identity information, and (B) a digital signature derived from an electronic message using the private key of the pair, (iii) wherein the electronic communication is communicated electronically from the sender, and (iv) wherein the electronic communication is the only electronic communication received from the sender by the receiver relating to the action; and
(c) validating the identity of the sender for the electronic communication by, (i) utilizing the sender identity information received in the electronic communication to retrieve the public key based on the association of the sender identity information and the public key with the account performed in step (a), and (ii) comparing a function of the public key and the digital signature with a function of the electronic message, wherein the function of the public key and the digital signature comprises decrypting the digital signature using the public key, whereby a comparison resulting in a match validates the identity of the sender.
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Specification