Internet third-party authentication using electronic tickets
First Claim
1. A method of securely communicating confidential information among at least three consenting parties, said method comprising:
- establishing a relationship among the parties;
creating a document initiated by one of the parties;
adding verifying information about at least two of the parties to said document in order to validate said document;
adding an expiration time to said document in order to validate said document;
at least one of the parties presenting said document to at least one other of the parties prior to communication of the confidential information there between; and
said other of the parties permitting said communication of the confidential information there between only if said document is valid and said expiration time has not passed,wherein at least two of the parties add respective preselected expiration times to said document in order to validate said document, said other of the parties permitting said communication of the confidential information there between only if the earliest expiration time has not passed.
4 Assignments
0 Petitions
Accused Products
Abstract
A method, software and apparatus facilitates one or more third-party agents to securely access a customer'"'"'s or other first party'"'"'s private personal and financial data or other such confidential information from a second party, preferably on the Internet. A security document or ticket is presented to the second party for verifying the customer'"'"'s consent to grant such access to the third party. The second party only communicates such confidential information to the third party if the security document is found to be valid. The security document, which can be at least partially encrypted, can also include a preselected expiration time, beyond which it is not valid.
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Citations
79 Claims
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1. A method of securely communicating confidential information among at least three consenting parties, said method comprising:
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establishing a relationship among the parties; creating a document initiated by one of the parties; adding verifying information about at least two of the parties to said document in order to validate said document; adding an expiration time to said document in order to validate said document; at least one of the parties presenting said document to at least one other of the parties prior to communication of the confidential information there between; and said other of the parties permitting said communication of the confidential information there between only if said document is valid and said expiration time has not passed, wherein at least two of the parties add respective preselected expiration times to said document in order to validate said document, said other of the parties permitting said communication of the confidential information there between only if the earliest expiration time has not passed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method of securely communicating confidential information among at least three parties, said method comprising:
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establishing an electronic communication relationship among all the parties; creating an electronic ticket initiated by a first of the parties; adding security information pertaining to said first party to said electronic ticket and then sending said electronic ticket to a second of the parties; adding security information pertaining to said second party to said electronic ticket and then sending said electronic ticket to a third of said parties; adding security information pertaining to said third party to said electronic ticket; validating said electronic ticket by verifying said security information pertaining to said at least three parties; at least one of the parties presenting said electronic ticket to another of the parties prior to communicating confidential information there between; and said other of the parties permitting said communication of confidential information there between only after said electronic ticket is validated, wherein at least two of the parties add respective preselected expiration times to said electronic ticket in order to validate said electronic ticket, said other of the parties permitting said communication of the confidential information there between only if the earliest expiration time has not passed. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A method of electronically communicating secure confidential information among at least three parties, said method comprising:
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establishing an electronic communication relationship among all the parties; creating an electronic ticket initiated by a first of the parties; adding a digital signature of the first party and encrypted security information pertaining to the first party to said electronic ticket; adding a digital signature of the second party and encrypted security information pertaining to the second party to said electronic ticket; adding a digital signature of the third party and encrypted security information pertaining to the third party to said electronic ticket; validating said electronic ticket by verifying said security information pertaining to said at least three parties; at least one of the parties presenting said electronic ticket to another of the parties prior to communicating confidential information there between; and said other of the parties permitting said communication of confidential information there between only after said electronic ticket is validated, wherein at least two of the parties add respective preselected expiration times to said electronic ticket in order to validate said electronic ticket, said other of the parties permitting said communication of confidential information there between only if the earliest of said expiration times has not passed. - View Dependent Claims (24, 25, 26)
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27. A method for a first party to securely communicate confidential information of at least a second party with at least a third party, said method comprising the steps of:
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adding encrypted security information pertaining to the first party to a security document created by one of the first, second and third parties; requiring said security document to be presented to the first party by one of the second and third parties prior to permitting the communication of confidential information; determining that said security document includes encrypted security information pertaining to each of the first, second and third parties in order to verify that said security document is valid; and permitting the communication of confidential information of the second party with the third party only after verifying that said security document is valid, wherein said security document is an electronic document, said encrypted security information being added electronically, and the confidential information being communicated electronically, including the step of requiring a preselected expiration time to be added to said security document after at least one of the other parties has added another preselected expiration time, and communicating the confidential information only if the earliest expiration time has not passed. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35)
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36. A computer-readable medium for securely communicating confidential information among at least three consenting parties, the computer-readable medium having computer-executable instructions thereon for performing the steps of:
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establishing a relationship among the parties; creating a document initiated by one of the parties; receiving verifying information about at least two of the parties; adding said verifying information to said document in order to validate said document; presenting said document from at least one of the parties to at least one other of the parties prior to communication of the confidential information there between; and preventing said other of the parties from permitting said communication of the confidential information unless said document is valid, further comprising computer-executable instructions thereon for performing the steps of receiving and adding a preselected expiration time from each of at least two of the parties to said document in order to validate said document, and preventing said other of the parties from permitting said communication of the confidential information if the earliest expiration time has passed. - View Dependent Claims (37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
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47. A computer-readable medium for electronically communicating secure confidential information among at least three consenting parties, the computer-readable medium having computer-executable instructions thereon for performing the steps of:
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establishing an electronic communication relationship among all the parties; creating an electronic ticket initiated by a first of the parties; adding a digital signature of the first party and encrypted security information pertaining to the first party to said electronic ticket; adding a digital signature of the second party and encrypted security information pertaining to the second party to said electronic ticket; adding a digital signature of the third party and encrypted security information pertaining to the third party to said electronic ticket; validating said electronic ticket by verifying said security information pertaining to said at least three parties; presenting said electronic ticket from at least one of the parties to another of the parties prior to communicating confidential information there between; and preventing said other of the parties from permitting said communication of confidential information there between if said electronic ticket is not validated, further comprising computer-executable instructions thereon for performing the steps of adding a preselected expiration time from each of at least two of the parties to said electronic ticket in order to validate said electronic ticket, and preventing said other of the parties from permitting said communication of confidential information there between if the earliest of said expiration times has passed. - View Dependent Claims (48, 49, 50)
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51. An apparatus for electronically communicating secure confidential information among at least three parties, said apparatus comprising:
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means for establishing an electronic communication relationship among all the parties; means for creating an electronic ticket initiated by a first of the parties; means for adding a digital signature of the first party and encrypted security information pertaining to the first party to said electronic ticket; means for adding a digital signature of the second party and encrypted security information pertaining to the second party to said electronic ticket; means for adding a digital signature of the third party and encrypted security information pertaining to the third party to said electronic ticket; means for validating said electronic ticket by verifying said security information pertaining to said at least three parties; means for presenting said electronic ticket from at least one of the parties to another of the parties prior to communicating confidential information there between; and means for preventing said other of the parties from permitting said communication of confidential information there between if said electronic ticket is not validated, further comprising means for adding a preselected expiration time from each of at least two of the parties to said electronic ticket in order to validate said electronic ticket, and preventing said other of the parties from permitting said communication of confidential information there between if the earliest of said expiration times has passed. - View Dependent Claims (52, 53, 54, 55, 56, 57, 58, 59)
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60. An apparatus for electronically communicating secure confidential information among at least three parties, said apparatus comprising:
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at least one computer having at least one processor that processes data and executes instructions, at least one data storage device that stores data, and at least one memory device that stores instructions and other data, said instructions in said memory device causing said processor to; establish an electronic communication relationship among all the parties; create an electronic ticket initiated by a first of the parties; add a digital signature of the first party and encrypted security information pertaining to the first party to said electronic ticket; add a digital signature of the second party and encrypted security information pertaining to the second party to said electronic ticket; add a digital signature of the third party and encrypted security information pertaining to the third party to said electronic ticket; validate said electronic ticket by verifying said security information pertaining to said at least three parties; present said electronic ticket from at least one of the parties to another of the parties prior to communicating confidential information there between; and prevent said other of the parties from permitting said communication of confidential information there between if said electronic ticket is not validated, wherein said instructions in said memory device further cause to add a preselected expiration time from each of at least two of the parties to said electronic ticket in order to validate said electronic ticket, and to prevent said other of the parties from permitting said communication of confidential information there between if the earliest of said expiration times has passed. - View Dependent Claims (61, 62, 63, 64, 65, 66, 67, 68)
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69. A method of securely communicating confidential information among at least three consenting parties, said method comprising:
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establishing a relationship among the parties; creating a document initiated by one of the parties; adding verifying information about at least two of the parties to said document in order to validate said document, at least a portion of said document being encrypted; at least one of the parties presenting said document to at least one other of the parties prior to communication of the confidential information there between; and said other of the parties permitting said communication of the confidential information there between only if said document is valid, wherein at least two of the parties add respective preselected expiration times to said document in order to validate said document, said other of the parties permitting said communication of the confidential information there between only if the earliest expiration time has not passed. - View Dependent Claims (70, 71, 72, 73, 74, 75, 76, 77, 78, 79)
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Specification