MANUFACTURING UNIQUE DEVICES THAT GENERATE DIGITAL SIGNATURES

• US 20090158029A1
• Filed: 01/16/2009
• Published: 06/18/2009
• Est. Priority Date: 08/04/2000
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Wheeler, Lynn Henry, Wheeler, Anne M.
• Granted Patent: US 7,784,106 B2
• Time in Patent Office: Days
• US Class Current: 713/155
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 2221/2113 Multi-level security, e.g. mandatory access control
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3558 Preliminary personalisation for transfer to user
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3676 Balancing accounts
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/403 : Solvency checks
• CPC Class Codes: G06Q 20/40975 : using encryption therefor
• CPC Class Codes: G06Q 50/188 : Electronic negotiation
• CPC Class Codes: G07F 7/0886 : the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1016 : Devices or methods for securing the PIN and other transaction-data, e.g. by encryption arrangements for secret communication, see H04L9/00
• CPC Class Codes: H04L 2209/42 : Anonymization, e.g. involving pseudonyms
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0442 : wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption cryptographic mechanisms or cryptographic arrangements for public-key encryption H04L9/30
• CPC Class Codes: H04L 63/062 : for key distribution, e.g. centrally by trusted party cryptographic mechanisms or cryptographic arrangements for key distribution involving a central third party H04L9/0819
• CPC Class Codes: H04L 63/0823 : using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/12 : Applying verification of the received information cryptographic mechanisms or cryptographic arrangements for data integrity or data verification H04L9/32
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3247 : involving digital signatures

Abstract

A method of manufacturing devices that generate digital signatures such that each device may be reliably and uniquely identified includes creating a public-private key pair within each device during manufacture; exporting only the public key from the device; retaining the private key within the device against the possibility of divulgement thereof by the device; and securely linking said exported public key with other information within the environment of the manufacture of the device, whereby each device is securely bound with its respective public key. A database of PuK-linked account information of users is maintained. The PuK-linked account information for each user includes a public key of such a device; information securely linked with the public key during manufacture; and third-party account identifiers, each of which identifies an account to a third-party of the user maintained with the third-party that has been associated with the user'"'"'s public key by the third-party.

Claims

1-15. -15. (canceled)

16. A method of maintaining a Central Key Authority (CKA) database in a secure environment, comprising:

storing, in the CKA database, a public key of a public key-private key pair, wherein the public key is associated with a user device of a user, wherein the user device is configured to generate digital signatures using a private key of the public-private key pair, wherein the private key is maintained securely within the user device;

securely linking, in the CKA database, the public key associated with the user device with other information during manufacturing of the user device in the secure environment; and

associating, in the CKA database, one or more third-party account identifiers with the public key, wherein each third-party account identifier identifies to a third-party an account of a respective user that is maintained with the third-party, wherein the third-party uses the public key and other information to authenticate a message.

17. The method of claim 16, wherein the other information linked with the public key comprises security features and a manufacturing history of the device.

18. The method of claim 16, wherein the public key and the other information linked therewith is obtained from a Secure Entity.

19. The method of claim 16, wherein the public key, other information, and third party account identifier are stored in the CKA database as PuK linked account information of a user.

20. The method of claim 19, wherein the PuK-linked account information maintained in the CKA database of the user further includes the identity of each third-party with which a third-party account is maintained that is identified by one of the third-party account identifiers.

21. The method of claim 19, wherein the PuK-linked account information of the user is indexed in the CKA database by a unique CKA account identifier such that the PuK-linked account information for the user is retrievable from the CKA database based on the unique CKA account identifier.

22. The method of claim 21, wherein the public key is the unique account identifier.

23. The method of claim 19, wherein the PuK-linked account information maintained in the CKA database of the user further includes user-specific information, and further comprising the step of verifying the user-specific information.

24. The method of claim 23, wherein the PuK-linked account information maintained in the CKA database of the user further includes a record of the techniques that were employed in verifying the user-specific information.

25. The method of claim 23, wherein the user-specific information includes the name and address of the user.

26. The method of claim 23, wherein the user-specific information includes the age and gender of the user.

27. The method of claim 19, further comprising updating the PuK-linked account of a user with a new public key of the user, comprising the steps of:

receiving an EC, the EC including a message including the new public key and a digital signature therefor,

authenticating the message of the EC using the public key associated with the PuK-linked account in the CKA database, and

upon successful authentication thereof, sending an EC to the third-party, the EC including the new public key and the third-party account identifier for the respective third-party maintained in the CKA database and associated with the PuK-linked account.

28. The method of claim 27, further comprising digitally signing the new public key of the user and third-party account identifier.

29. The method of claim 27, further comprising sending the EC received from the user to each of the third-parties.

30. The method of claim 16, further comprising establishing an account on behalf of a user with a third-party by communicating the public key of the user and information linked with the public key from the CKA database to the third-party.

31. The method of claim 30, wherein the public key of the user and information linked with the public key is communicated upon the request of the third-party to which it is communicated.