Methods for authenticating self-authenticating documents
First Claim
1. A method of authenticating a self-authenticating document, comprising the steps of:
- processing machine-readable data on said self-authenticating document to obtain digital signature data and a public key certificate;
processing said public key certificate to obtain public key certificate data including an authentic public key;
assembling critical document data from said self-authenticating document, wherein said critical document data includes at least magnetic ink character recognition (MICR) data printed on said self-authenticating document;
determining whether an authentic personal identification number (PIN) is available for appending to said critical document data;
wherein, if said authentic PIN is available;
appending said authentic PIN to said critical document data to create an authenticatable data string; and
, applying said authentic public key to said digital signature data to validate said authenticatable data string, wherein said self-authenticating document is authenticated if said authenticatable data string is validated.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods of authenticating self-authenticating documents presented at a point of purchase or financial institution. Data contained on the value document may be signed with a first digital signature and authenticated with a public key certificate. A unique personal identification number (PIN) may be included in the document data that is signed by a second digital signature. The signed data and a public key certificate are stored on the value document. At a point of purchase, a merchant or teller can scan and read the stored data and together with the PIN the customer provides, can authenticate the value document thus presented using the second digital signature. Alternatively, if the customer is not present, the document may be verified using a PIN-generating algorithm. The first digital signature alone may be used to authenticate the document even when the PIN is not available.
163 Citations
16 Claims
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1. A method of authenticating a self-authenticating document, comprising the steps of:
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processing machine-readable data on said self-authenticating document to obtain digital signature data and a public key certificate;
processing said public key certificate to obtain public key certificate data including an authentic public key;
assembling critical document data from said self-authenticating document, wherein said critical document data includes at least magnetic ink character recognition (MICR) data printed on said self-authenticating document;
determining whether an authentic personal identification number (PIN) is available for appending to said critical document data;
wherein, if said authentic PIN is available;
appending said authentic PIN to said critical document data to create an authenticatable data string; and
,applying said authentic public key to said digital signature data to validate said authenticatable data string, wherein said self-authenticating document is authenticated if said authenticatable data string is validated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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Specification