Automated transaction machine digital signature system and method

• US 7,216,083 B2
• Filed: 03/05/2002
• Issued: 05/08/2007
• Est. Priority Date: 03/07/2001
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Parmelee, Christopher L.
• Primary Examiner(s): Abdi; Kambiz
• Application Number:
  US09/683,944
• Publication Number:
  US 20020129257A1
• Time in Patent Office: 1,890 Days
• Field of Search: 705 64- 76, 705/1, 705/43, 705/500, 713156-159
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3825 Use of electronic signatures
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/80 Wireless network architectures or network communication protocols for wireless network security H04W12/00
• CPC Class Codes: H04L 9/3247 involving digital signatures
• CPC Class Codes: H04L 9/3263 involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements network architectures or network communication protocols for supporting authentication of entities using certificates in a packet data network H04L63/0823

Abstract

An automated transaction machine such as an ATM (10) is provided. The ATM is operative to digitally sign electronic documents (42). The ATM may be in operative connection with a storage server (32). The storage server is operative responsive to the ATM to maintain electronic documents (42) in a data store (34) in association with the user'"'"'s digital safe deposit account (40) and/or a financial account (48) such as checking, savings, debit, or credit account. The storage server is further operative to store a private key (44) of a user in association with the user'"'"'s digital safe deposit account and/or financial account. The ATM is operative to cause electronic documents to be signed using the private key associated with the user. The ATM is further operative to output the electronic document on a display device (18) of the ATM where the user may view and edit the electronic document.

Claims

1. A method comprising:

a) generating through operation of at least one computer, a plurality of private keys and for each private key, a corresponding public key;

b) storing data corresponding to each of the private keys generated in (a) in at least one data store through operation of at least one computer, wherein the data corresponding to each private key is stored in correlated relation with data representative of at least one of an individual and a financial account identifying number associated with a respective individual;

c) providing at least one card to each of a plurality of individuals, wherein each card includes machine readable data corresponding to at least one of an individual to whom the card is provided and a financial account identifying number associated with the individual to whom the card is provided;

d) operating one of a plurality of automated transaction machines (ATMs) to;

(i) read data from a card presented by one of the plurality of individuals to the one machine;

(ii) display a visual representation of an electronic document through at least one output device in operative connection with the one machine; and

(iii) cause the electronic document to be digitally signed using a private key retrieved from the at least one data store responsive to the data read from the card, through communication between the one machine and at least one remote server in operative connection with the at least one data store, wherein each of the automated transaction machines is operative to communicate with the at least one remote server.

2. The method according to claim 1, and further comprising, including on each card provided in (c) a visible digital signature service source indicator mark,

and further comprising including on each of the plurality of automated transaction machines, a visible digital signature service source indicator mark which visually corresponds to the visible digital signature service source indicator mark on each of the cards provided in (c).

3. The method according to claim 1, wherein the one automated transaction machine includes a cash dispenser and further comprising dispensing cash through operation of the cash dispenser.

4. The method according to claim 1, wherein in (c) each card provided is at least one of a credit card, debit card and a bank card.