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Digital Signature Authentication

  • US 20080222049A1
  • Filed: 09/13/2007
  • Published: 09/11/2008
  • Est. Priority Date: 02/05/2007
  • Status: Active Grant
First Claim
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1. A method for authenticating an electronic transaction between a consumer and a merchant, wherein the method occurs at the merchant and comprises:

  • receiving account information associated with an account from the consumer over the Internet, wherein the consumer accesses the Internet using a consumer'"'"'s computer;

    confirming enrollment of the account for digital signature authentication from a financial institution;

    receiving consumer specific authentication parameters from the financial institution, wherein the consumer specific authentication parameters comprises an authentication scheme;

    sending transaction information over the Internet to the consumer'"'"'s computer for a digital signature;

    sending the authentication scheme over the Internet to the consumer'"'"'s computer; and

    receiving a digital signature from the consumer'"'"'s computer, wherein the digital signature.

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