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System, Method and Device To Authenticate Relationships By Electronic Means

  • US 20110103586A1
  • Filed: 01/07/2011
  • Published: 05/05/2011
  • Est. Priority Date: 07/07/2008
  • Status: Abandoned Application
First Claim
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1. A system for additionally authenticating existing relationships by electronic means between a user and an organization, in which the user takes non-deniable responsibility for any decision or transaction carried on through said relationships, thereby reducing the possibility of fraud, comprising:

  • a central gateway server having at least one computer processor, a computer memory, and at least one network interface,said computer memory containing;

    a private key associated with said central gateway server,a digital certificate associated with said central gateway server, said digital certificate being from a trusted certification authority, andcomputer processor executable instructions for communicating and relaying data through said at least one network interface and for encrypting and decrypting data with said private key and said digital certificate;

    a data base server having at least one computer processor, a computer memory, and at least one network interface connecting said data base server to at least one existing central server of said organization,said computer memory containing;

    data that relates a unique identifier associated with said user with a mobile phone number associated with said user and a digital certificate associated with said user;

    a permanent link between said at least one network interface of said central gateway server and said at least one network interface of said at least one existing central server of said organizationa mobile phone associated with said user, the mobile phone having at least one computer processor, a computer memory, at least one cellular network interface and at least one additional wireless interface to other wireless devices;

    a mobile operator network capable of establishing data communication between said central gateway server and said mobile phone;

    a special purpose device having at least one computer processor, a computer memory, a data communication link with said mobile phone, and a smart card containing;

    a data communication link with said special purpose device, anda computer memory containing;

    a private key associated with said user,a digital certificate associated with said user, said digital certificate being from a trusted certification authority,a digital certificate associated with said central gateway server, said digital certificate being from a trusted certification authority andcomputer processor executable instructions for encrypting and decrypting data;

    wherein the at least one computer memory of the at least one existing central server associated with the said organization contains computer processor executable instructions for requesting the data base server to return, when provided with the unique identifier associated with said user, the mobile phone number and a digital certificate associated with said user;

    wherein the computer memory of the data base server, contains computer executable instructions for returning the mobile phone number and a digital certificate associated with said user, on the basis of the unique identifier associated with said user, when requested by one existing central server associated with the said organization;

    wherein the at least one computer memory of the at least one existing central server associated with said organization contains computer processor executable instructions for sending a message requiring an authenticated and confirmed response from the user through said invented system, and for receiving said authenticated and confirmed response;

    wherein the computer memory of the central gateway server contains computer executable instructions for encrypting and communicating said message requiring an authenticated and confirmed response from said user through said mobile phone associated with said user and for receiving and decrypting said authenticated and confirmed response from said mobile phone associated with said user.wherein the computer memory of said mobile phone contains computer executable instructions for said mobile phone to communicate with said central gateway server through said mobile operator;

    wherein the computer memory of said mobile phone contains computer executable instructions for said mobile phone to communicate with said special purpose device, for displaying messages to said user, and for receiving the response provided by said user, being it a personal identification number, a yes for accepting or a no for rejecting the details of the transaction message received at said mobile phone, and taking a non-deniable responsibility for that by confirming his decision.

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