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1765results about "Electronic credentials" patented technology

Secure electronic content distribution on CDS and DVDs

A method to delivery encrypted digital content to a end user system for playing the content comprising the steps of: reading from a computer readable medium metadata which has previously associated with the content. A user selects from the metadata associated content to decrypt and the end user system establishes a secure connection with an authorization authority for decrypting the content. The end user system receives a secure container containing the decrypting key for decrypting at least part of the previously encrypted content as permitted. The system creates a secure container using the encrypting key from a clearing house, wherein the secure container has an encrypting key therein from the end user system; transferring the secure container to the clearing house for authentication of permission to decrypt the content. The system receives from the clearing house, a secure container encrypted using the encrypting key of the end user system containing the decrypting key for decrypting at least part of the previously encrypted content stored on the computer readable medium as permitted; and playing at least part of the previously encrypted content by decrypting the secure container using the encrypting key of the end user system to access the decrypting key for decrypting at least part of the encrypted content.
Owner:WISTRON CORP

Secure interactive electronic account statement delivery system

The present invention consists of a secure interactive electronic account statement delivery system suitable for use over open networks such as the Internet. The invention utilizes a certification hierarchy to insure that electronic bills, invoices, and other account statements can be securely sent over open networks. The participants in the system are a certification authority, certificated banks, billers, and customers. The certification authority grants digital certificates to the certificated banks, which in turn grant digital certificates to billers and customers. Digital certificates form the basis for encryption and authentication of network communications, using public and private keys. The certificates associate a customer and biller with a certificated bank and with the electronic billing system, much like payment cards associate a customer with a payment card issuer and a particular payment card system. Digital signatures are used for authentication and non-repudiation. The certificates may be stored as digital data on storage media of a customer's or biller's computer system, or may be contained in integrated circuit or chip cards physically issued to billers and customers. The electronic bill itself may be a simple text message containing the equivalent of summary information for the bill, or may be more elaborate. In one embodiment of the invention, the electronic bill contains a number of embedded links, for example an embedded URL of a biller's world wide web server that allows the customer to interactively bring up detailed billing information by activating the link. The e-mail message may also include links to third party websites.
Owner:VISA INT SERVICE ASSOC

System and method for controlling access rights to and security of digital content in a distributed information system, e.g., Internet

A system and method for limiting access to and preventing unauthorized use of an owner's digital content stored in an information network and available to clients under authorized conditions. The network includes at least one server coupled to a storage device for storing the limited access digital content encrypted using a random-generated key, known as a Document Encryption Key (DEK). The DEK is further encrypted with the server's public key, using a public/private key pair algorithm and placed in a digital container stored in a storage device and including as a part of the meta-information which is in the container. The client's workstation is coupled to the server for acquiring the limited access digital content under the authorized condition. A Trusted Information Handler (TIH) is validated by the server after the handler provides a data signature and type of signing algorithm to transaction data descriptive of the purchase agreement between the client and the owner. After the handler has authenticated, the server decrypts the encrypted DEK with its private key and re-encrypts the DEK with the handler's public key ensuring that only the information handler can process the information. The encrypted DEK is further encrypted with the client's public key personalizing the digital content to the client. The client's program decrypts the DEK with his private key and passes it along with the encrypted content to the handler which decrypts the DEK with his private key and proceeds to decrypt the content for displaying to the client.
Owner:ACTIVISION PUBLISHING

Selective data encryption using style sheet processing

A method, system, and computer program product for selectively encrypting one or more elements of a document using style sheet processing. Disclosed is a policy-driven augmented style sheet processor (e.g. an Extensible Stylesheet Language, or “XSL”, processor) that creates a selectively-encrypted document (e.g. an Extensible Markup Language, or “XML”, document) carrying key-distribution material, such that by using an augmented document processor (e.g. an augmented XML processing engine), an agent can recover only the information elements for which it is authorized. The Document Type Definition (DTD) or schema associated with a document is modified, such that the DTD or schema specifies a reference to stored security policy to be applied to document elements. Each document element may specify a different security policy, such that the different elements of a single document can be encrypted differently (and, some elements may remain unencrypted). The key distribution material enables a document to be encrypted for decryption by an audience that is unknown at the time of document creation, and enables access to the distinct elements of a single encrypted document to be controlled for multiple users and/or groups of users. In this manner, group collaboration is improved by giving more people easier access to information for which they are authorized, while protecting sensitive data from unauthorized agents. A key recovery technique is also defined, whereby the entire document can be decrypted by an authorized agent regardless of how the different elements were originally encrypted and the access protections which were applied to those elements.
Owner:IBM CORP

Method for generating customer secure card numbers

A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a 0Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity, used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.
Owner:PRIVASYS

Method and apparatus for making secure electronic payments

In accordance with the present invention, consumers and merchants use computing devices connected to a network, such as the Internet, through wired and wireless means, wherein the consumer connects to a clearing server device to purchase or retrieve previously purchased token, the consumer then connects to the merchant's computer or website to attain price quotes of goods and services, selects the goods and / or services to be purchased, and then communicates a request for purchase to the merchant. The merchant then communicates a request for an update key to the clearing server. The update key is used as an authorization to modify the value of the token. To debit the customer the decrement key is requested and to credit the customer an increment key is asked for. An overwrite key is another type of update key. Together with the overwrite key a replacement token is provided to the merchant who in turn forwards the new token to the customer. As an aspect of the invention, if the token was not previously used, the clearing server simply issues the update key. If, however, it is determined that the token was used, the amount paid by the consumer to a previous merchant is determined the token adjusted and the overwrite key together with the new token is returned to the merchant. The merchant then forwards the purchased merchandise, the update key, and possibly a new token to the consumer.
Owner:AMPACASH CORP

Selective data encryption using style sheet processing for decryption by a client proxy

A method, system, and computer program product for selectively encrypting one or more elements of a document using style sheet processing. Disclosed is a policy-driven augmented style sheet processor (e.g. an Extensible Stylesheet Language, or “XSL”, processor) that creates a selectively-encrypted document (e.g. an Extensible Markup Language, or “XML”, document) carrying key-distribution material, such that by using an augmented document processor (e.g. an augmented XML processing engine), an agent can recover only the information elements for which it is authorized. The Document Type Definition (DTD) or schema associated with a document is modified, such that the DTD or schema specifies a reference to stored security policy to be applied to document elements. Each document element may specify a different security policy, such that the different elements of a single document can be encrypted differently (and, some elements may remain unencrypted). The key distribution material enables a document to be encrypted for decryption by an audience that is unknown at the time of document creation, and enables access to the distinct elements of a single encrypted document to be controlled for multiple users and/or groups of users. In this manner, group collaboration is improved by giving more people easier access to information for which they are authorized, while protecting sensitive data from unauthorized agents. A key recovery technique is also defined, whereby the entire document can be decrypted by an authorized agent regardless of how the different elements were originally encrypted and the access protections which were applied to those elements.
Owner:IBM CORP

Method and system for conducting secure payments over a computer network

A secure method of conducting an electronic transaction over a public communications network is provided which utilizes a pseudo-expiration date in the expiration date field of an authorization request. One of the preferred methods comprises:
    • generating a per-card key associated with an account number;
    • generating a message authentication code using the per-card key;
    • converting the message authentication code into a pseudo expiration date;
    • generating an authorization request for the transaction, the request having an expiration date field containing the pseudo expiration date; and
    • verifying the message authentication code based on the pseudo expiration date.
    • Another embodiment of the invention includes a method of conducting an electronic transaction over a public communications network, with a payment account number having an associated pseudo account number, comprising:
    • (a) providing the pseudo account number with a control field indicating one of a plurality of key-generation processes to be used to generate an authentication key;
    • (b) generating an authentication key associated with the pseudo account number using one of the plurality of key-generation processes indicated in the control field of the pseudo account number;
    • (c) using the authentication key to generate a message authentication code specific to the transaction;
    • (d) generating an authorization request message including the message authentication code and the pseudo account number; and
    • (e) verifying the message authentication code using the indicated key-generation process and the authentication key.
Owner:MASTERCARD INT INC
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