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Authenticating electronic financial transactions

  • US 8,286,865 B2
  • Filed: 04/14/2009
  • Issued: 10/16/2012
  • Est. Priority Date: 04/14/2008
  • Status: Active Grant
First Claim
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1. A method for securing a financial transaction in an unsecured electronic communications environment, the method comprising:

  • securely storing in a storage device of a user a cryptographic Private Key; and

    creating a Public Key Certificate corresponding to said Private Key, the Public Key Certificate identifying a payment card of the user, and the Public Key Certificate being signed by or on behalf of a financial institution issuing the payment card;

    wherein at a time of initiating a payment card financial transaction with a merchant, a data item associated with said financial transaction is signed using the Private Key, and the signed data item and the Public Key Certificate are conveyed to the merchant via the unsecured electronic communications environment.

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