Anti-crimes online transaction system
First Claim
1. A computerized method for processing encrypted transaction details, comprising:
- receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a passport submitted by a presumed account holder, and the terminal being configured;
to receive transaction details from the presumed account holder, andto encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data;
decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and
performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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Accused Products
Abstract
Anti-money laundering, anti-terrorist financing and other anti-crimes measures are enforced in compliance with the Bank Secrecy Act and the USA PATRIOT Act in the USA or equivalent laws in other countries, and crimes in financial transaction activities such as online banking, trading, money services, shopping, payment, etc. are reduced. Embedded identification information is read from a machine-readable official government issued identification document such as a passport, driver'"'"'s license, etc., and such information is sent to a financial institution for approval and for anti-money laundering, anti-terrorist financing and other anti-crimes purposes.
21 Citations
19 Claims
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1. A computerized method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a passport submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key. - View Dependent Claims (2, 3, 4, 5)
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6. A computer system configured to process encrypted transaction details, comprising:
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a memory; and at least one processor coupled to the memory and configured; to receive account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a passport submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; to decrypt the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and to perform a transaction associated with the transaction details when the transaction details are decrypted by the second key. - View Dependent Claims (7, 8, 9, 10)
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11. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a driver'"'"'s license submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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12. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from an alien registration card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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13. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a resident card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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14. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a voter card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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15. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from an insurance card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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16. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a student identification card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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17. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a social security card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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18. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a national identification card submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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19. A method for processing encrypted transaction details, comprising:
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receiving, at a computer system, account identification information and encrypted transaction details via a terminal comprising a reader configured to read embedded personal identification data from a certificate of legal status submitted by a presumed account holder, and the terminal being configured; to receive transaction details from the presumed account holder, and to encrypt the transaction details with a first key derived from a set of alpha-numerical characters selected from the embedded personal identification data; decrypting, by the computer system, the encrypted transaction details with a second key derived from the set of alpha-numerical characters selected from personal identification data of an account holder, an account being identified by the account identification information, and the personal identification data being pre-stored with the account; and performing, by the computer system, a transaction associated with the encrypted transaction details when the encrypted transaction details are decrypted by the second key.
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Specification