Account-Based digital signature (ABDS) system for authenticating entity access to controlled resource

• US 6,851,054 B2
• Filed: 01/31/2003
• Issued: 02/01/2005
• Est. Priority Date: 08/04/2000
• Status: Expired due to Term

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Wheeler, Lynn Henry, Wheeler, Anne M.
• Primary Examiner(s): Barrón, Gilberto
• Assistant Examiner(s): Zand, Kambiz
• Application Number:
  US10/248,603
• Publication Number:
  US 20030131234A1
• Time in Patent Office: 732 Days
• Field of Search: 713/176, 713/168, 713/161, 713/169, 713/170, 713/180, 713/182
• US Class Current: 713/176
• 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

Authenticating a requesting entity for access to a controlled resource by an access authentication component for the controlled resource includes the steps of, the requesting entity initially opening a security account with the access authentication component, the access authentication component establishing and maintaining a record including information pertaining to the account and being retrievable based on a unique identifier for the requesting entity, and associating a public key of a public-private key pair with the record; the requesting entity originating an electronic message and generating a digital signature using a private key of the key pair, and sending the digitally signed electronic message to the access authentication component with the unique identifier; authenticating the electronic message using the public key associated with the record identified by the unique identifier; and upon successful authentication, authenticating access to the controlled resource.

Claims

1. A method of providing access to an entity requesting access to a controlled resource, the requesting entity communicating electronically over a communications medium with an access authentication component for the controlled resource, comprising the steps of:

(a) providing the requesting entity with a security account maintained in a database accessible by the access authentication component, the security account having information that is retrievable based on a unique identifier of the requesting entity, the information pertaining to the requesting entity'"'"'s right to access the controlled resource;

(b) associating a public key of a public-private key pair with the security account such that the public key is retrievable based on the unique identifier of the requesting entity, wherein the private key of the public-private key pair is not accessible by the access authentication component; and

(c) thereafter,

(i) receiving the unique identifier of the requesting entity;

(ii) receiving a message and a digital signature of the message, the message comprising a request by the requesting entity for access to the controlled resource;

(iii) obtaining the public key associated with the unique identifier received;

(iv) decrypting the digital signature of the message using the public key to verify that the digital signature was generated using the private key of the requesting entity; and

(v) granting the requesting entity with access to the controlled resource in response to the request if the digital signature successfully verifies and as a function of the information pertaining to the requesting entity'"'"'s right to access the controlled resource.

2. The method of claim 1 wherein the step of granting the requesting entity with access to the controlled resource further comprises generating an access authentication signal for use by the controlled resource.

3. The method of claim 1 wherein the message comprises the unique identifier.

4. The method of claim 1 wherein the step of decrypting the digital signature of the message using the public key further comprises generating a message digest of the message and comparing the message digest with the decrypted digital signature.

5. The method of claim 1 wherein the controlled resource is a database of accounts and wherein the step of granting the requesting entity with access to the controlled resource includes enabling the requesting entity to view one of the accounts in the database.

6. The method of claim 1 wherein the controlled resource is a physical space.

7. The method of claim 1 wherein the controlled resource is a virtual space.

8. The method of claim 1 wherein the controlled resource is a database of accounts and wherein the step of granting the requesting entity with access to the controlled resource includes enabling the requesting entity to modify one of the accounts in the database.

9. The method of claim 1 further comprising the step of establishing an account with the controlled resource on behalf of the requesting entity.

10. The method of claim 9 wherein the message includes an instruction regarding the account of the controlled resource.

11. A method of authenticating a requesting entity for access to a controlled resource, the requesting entity communicating electronically over a communications medium with an access authentication component for the controlled resource, comprising the steps of:

(a) providing the requesting entity with a security account maintained in a database of the access authentication component, the security account having a record of information being retrievable by the access authentication component based on a unique identifier of the requesting entity;

(b) associating a public key of a public-private key pair of the requesting entity with the record such that the public key of the requesting entity is retrievable from the record based on the unique identifier and wherein the private key is maintained only within a secure device of the requesting entity;

(c) wherein the access authentication component performs the steps of;

(i) receiving the unique identifier of the requesting entity;

(ii) receiving a digitally-signed message from the requesting entity, the digitally-signed message including a message and a digital signature of the message, the message comprising a request by the requesting entity for access to the controlled resource, the digital signature generated by the secure device using the private key of the requesting entity;

(iii) based on the unique identifier, obtaining the public key of the requesting entity; and

(iv) using the public key obtained from the record, decrypting the digital signature to verify that the digital signature was generated using the private key maintained within the secure device of the requesting entity;

and (d) if the digital signature was generated using the private key of the secure device, providing the requesting entity with access to the controlled resource in response to the request.

12. The method of claim 11 wherein the private key is retained only within the secure device and is not retrievable from the secure device.

13. The method of claim 11 wherein the unique identifier is provided by the secure device.

14. The method of claim 11 wherein the message is maintained in the secure device.

15. The method of claim 11 wherein the message is input into the secure device.

16. The method of claim 11 wherein the unique identifier is part of the message that is digitally-signed.

17. The method of claim 11 wherein the message contains the unique identifier and an implied request for access to the controlled resource.

18. The method of claim 11 wherein the step of decrypting the digital signature to verify that the digital signature was generated using the private key of the secure device further comprises generating a message digest of the message and comparing the message digest with the decrypted digital signature.

19. The method of claim 11 further comprising establishing an account with the controlled resource on behalf of the requesting entity and wherein the message includes an instruction regarding the account of the controlled resource.

20. A method of providing access to an entity requesting access to a controlled resource, the requesting entity communicating electronically over a communications medium with an access authentication component for the controlled resource, comprising the steps of:

(a) initially, associating in a database accessible by the access authentication component a public key of a public-private key pair with a unique identifier, the database comprising information that is retrievable based on the unique identifier, the information pertaining to access by the entity; and

(b) thereafter,

(i) receiving an electronic communication from the entity, the electronic communication comprising,

(A) the unique identifier,

(B) a message comprising a request by the entity for access to the controlled resource, and

(C) a digital signature of the message, the digital signature being generated using the private key of the public-private key pair,

(ii) based on the unique identifier, retrieving said associated public key from the database;

(iii) comparing a function of said received digital signature with a function of said received message, the function of said received digital signature comprising using said retrieved public key to decrypt said received digital signature; and

(iv) granting, to the requesting entity, access to the controlled resource as a function of,

(A) said comparison, and

(B) the information of the record that is retrievable based on said received unique identifier.