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Method and apparatus for secure message transmission for use in electronic funds transfer systems

  • US 4,302,810 A
  • Filed: 12/28/1979
  • Issued: 11/24/1981
  • Est. Priority Date: 12/28/1979
  • Status: Expired due to Term
First Claim
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1. A method for effecting the secure transmission to a Host machine or system (H) of a transaction message (TM) which describes a financial transaction between a Person (P) and a Retailer (R) in an Electronic Funds Transfer (EFT) environment, said method comprising the Person (P) and the Retailer (R) agreeing on at least a predetermined portion of the contents of the transaction message (TM) which is to be sent to a Host (H) where the Electronic Funds Transfer is to be effected, separately encrypting the message (TM) under the two respective secret encryption keys KP and KR to form messages (TM, KP) and (TM, KR), communicating the message (TM, KP) to R, R further encrypting same under the key KR to form a doubly encrypted message ((TM, KP), KR), transmitting the complete message [((TM, KP), KR,)+(TM, KR)] to H, H accessing the two private keys KP and KR from its own secret files and decrypting the message received from R to recover the two originally encrypted transaction messages (TM), H then comparing portions of the two separately decrypted transaction messages (TM) for identity and if identical, completing the transaction.

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