5842 results about "Digital signature" patented technology

The disclosure provides for creating a finalized document relating to a transaction. A buyer selects documents associated with a proposed transaction and indicates trade terms of an agreement relating to the documents selected. The trade terms are presented to a seller on an electronic form via an electronic document platform. The electronic form includes a combined purchase order proforma invoice, a transportation document, and a shipping document. The seller can amend the trade terms on the form, and each amendment creates a new version of the form. Negotiations of the trade terms between the buyer and the seller are conducted electronically and the negotiated fonn detailing the negotiation of the trade terms is generated and displayed electronically, also. A compliance check is performed and is triggered in response to a digital signature of the form. Payment is initiated to the seller after a verification of credit of the buyer.

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.

A message generation mechanism for a network interface is provided. The message generation mechanism is operable to generate a message which includes data for signing and authentication procedure instructions. The message is for conveying information to a user device for presentation to a user via a user interface of the user device. The data is arranged in the message in a manner which permits the user device to utilize the data in an automated signing procedure. The automated signing procedure may be a digital signing procedure. The data for signing may be random data, pseudo-random data or secure random data and may be arranged in the message in a manner which avoids presentation to the user.

Digital Creative Works such as copyrighted electronic media are packaged in a secure electronic format, or CONTAINER, and registered on associated registration server, which serves to provide on-line licensing and copyright management for that Work. Users are connected to the registration server through a computer network or the Internet to enable data transfers and to transact licenses to utilize the media. Packaged electronic media are typically created by an author or derivative user of the work. Once the packaged media is registered on the server, the media is made available for limited use and possible license through an authorization server. This limited use is specified within the minimum permissions data set assigned to each packaged media. Without a license, users are typically permitted to view the packaged media—through a system which unpackages the media—but cannot save, print or otherwise transfer the media without obtaining auxiliary permissions to do so from the authorization server. The electronic media is authenticated through digital signatures and optional encryption.

A dynamic signature/sign biometric verification system for detecting and preventing fraudulent transactions is described. The system comprises remote digital signature/sign input devices, a means to extract spatial and temporal features from the signature, a means to transmit the signature/sign features along with customer identifier information to a centralized signature/sign verification authority, a means for combining signature/sign feature verification with other forms of fraud detection technology, and a means for transmitting the results of a signature/sign verification back to the remote location where the signature/sign was captured. The system was primarily developed for use in payment card industries (e.g. credit cards, debit cards) but has applicability to other centralized signature/sign verification applications such as Automated Teller Machine authorizations and other identity theft detection and monitoring services.

A system of bill presentment and bill payment. The parties to the process, which typically include the bill presenter, bill payer, and bank, credit card company or other intermediary, select from a number of choices in the selection of information to include in the bill, preparation of the bill, acceptable payment methods, means to send the bill and bill payment instrument, means of signing the bill, bill payment instrument, receipt acknowledging deposit and payment, method of recording and reconciling payments, and further actions. An accumulation of choices by the involved parties can include digital information in each step that represents all of the significant data accumulated up to and including that step. That digital data preferably includes digital signatures of each party at each step so as to provide an audit trail in purely digital form. Where digital data is chosen for each step, the digital data can be electronic or, using machine readable code, printed on paper, regardless of the form chosen in prior or later steps.

The present invention involves systems and methods that allow participants in cryptocurrency networks to exchange cryptocurrency for traditional currency legally and safely without requiring the use of a traditional exchange or online brokerage as a fiduciary. The invention accomplishes this through the use of a decentralized identity verification protocol that allows a service provider to verify the identity of a participant and then publish an identity signature on the participant's cryptocurrency address or addresses. The invention enables full compliance with Country specific customer identification program and anti-money laundering requirements, and maintains the ability to independently satisfy requests for information or data retention requirements if requested by legally authorized parties, but does not require that the participant store the private keys or access controls to their cryptocurrency on an exchange or brokerage service.

The invention serves to verify a participant's identity in full compliance with US Bank Secrecy and Patriot Act provisions or similar regulations where identification may be achieved through non-documentary or documentary identity verification procedures. After passing the applicable verification procedure, the service provider stamps the participant's cryptocurrency address with a transaction containing an identity signature. This identity signature within the transaction consists of a public indicator of the participant's Country and subdivision, a compliance level code, an ID type indicator, and an identity hash. The identity hash is created from the digests of cryptographic hash functions where the participant's personal information is used as an input. The service provider signs the transaction with their authorized private key that corresponds to their publicly accessible public key. This serves as a publicly verifiable confirmation that the identity associated with the address in question was validated by the service provider authorized to act on behalf of the regulatory authority.

The participant may then purchase and sell cryptographic currency from and to a third party exchange or brokerage service legally and safely when using their verified cryptocurrency address. This is because the third party is able to confirm compliance by openly referencing and verifying the identity verification transaction present on the address. Subsequent transactions where the third party sells or purchases cryptocurrency for the verified participant are similarly stamped with a transaction conforming to the identity verification protocol. This allows the third party interacting with the verified participant's address to observe any regulations limiting the amount or frequency of transactions over a variable period of time. It follows that this address could be used with any third party or participant in the cryptocurrency network that observes the decentralized identity verification protocol, all without requiring the third party or participant to collect and verify personal information redundantly. The ability to verify an identity remotely also eliminates the need for the third party to act as a fiduciary holding the private keys or access controls to the verified address. Lawful requests for information by authorized authorities are served to the service provider as digitally signed transactions that may then be linked to the participant's identity and transactions, allowing the protocol to observe subpoenas or similar lawful requests for information. The encrypted personal information may be held in escrow by the service provider indexed to the verified cryptocurrency address for such purposes. An alternate embodiment would store the encrypted personal information in a decentralized network of other participants, with the information accessible for retrieval using the public key of the verified cryptocurrency address and decryption using the corresponding private key, decentralizing the process entirely except for the identity verification step.

When two parties of a cyberspace transaction register their identity attributes under a CITA system each party is assigned a unique, encrypted and digitally signed identity token. When the consuming party seeks access too, or payment for, cyberspace services, the providing party submits their identity token to the consuming party. The consuming party creates a request token, containing both the consumers' and the providers' identity tokens, and the transaction related information, to the CITA system. The CITA system validates the identity tokens and either creates a payment confirmation token by processing the payment request, or creates an access confirmation token by dynamically defining the minimal consumer identity attributes required to gain access to the provider's service. The confirmation token is encrypted and digitally signed and returned to the consumer, and then forwarded to the provider to complete the transaction without either party openly exchanging personal identity attributes.

A mechanism and method for managing credentials on an electronic device and providing encryption and decryption services for the electronic device comprising a mobile communication device, smart phone or other computing device. According to an embodiment the device is configured with an iOS based operating system. The device is configured with a data encryption service application and an associated secure data repository. According to an embodiment, the electronic device is configured to download and/or cache credentials from a credential management system operatively coupled to the device, comprising public-private key pairs in a PKI system. According to an embodiment, the electronic device is configured with or stores a digital verification signature. The data encryption service application is configured to encrypt/decrypt data (e.g. files, documents) and optionally digitally sign the encrypted file. The encrypted (and digitally signed data) is contained in the sandbox associated with the data encryption service application.

An architecture and method for a gaming-specific platform are disclosed that features secure storage and verification of game code and other data, provides the ability to securely exchange data with a computerized wagering gaming system, and does so in a manner that is straightforward and easy to manage. Some embodiments provide the ability to identify game program code as certified or approved, such as by the Nevada Gaming Regulations Commission or other regulatory agency. These and other functions make use of encryption, including digital signatures and hash functions as well as other encryption methods.

PCT No. PCT/IB96/00025 Sec. 371 Date Jul. 2, 1998 Sec. 102(e) Date Jul. 2, 1998 PCT Filed Jan. 12, 1996 PCT Pub. No. WO97/25801 PCT Pub. Date Jul. 17, 1997Computer network management for electronic commerce requires technical implementations of business processes. The process addressed here is a technical method for a communication in which two or more parties legitimately want to communicate anonymously, often before discussing a deal or closing a business, e.g. for anonymous bidding or auctioning in electronic commerce. Essentially, the invention is a method, described by a protocol, for safely exchanging data in a network that provides a public key infrastructure and an anonymous communication possibility between network users. It consists of a sequence of steps in which both sender (e.g. customer) and addressee (e.g. merchant) compose data sets (i.e., requests and replies) that are based on received data and/or prior knowledge. The data sets are enciphered to provide anonymity, and digitally signed to provide proof of the partner. The invention is also a system designed to implement the invented method.

A network based mechanism for real time verification and authentication of data and user identities. The present invention enables a method whereby biometric elements, such as voice prints, are utilized to enhance the Public Key Infrastructure as a means to decrypt data and verify data authenticity, such that the user's private key is authenticated remotely on a one-time basis. The present invention comprises an authentication server (25) with various software modules that enable authentication of user identity, secure user access to data, digital signatures, secure messaging and secure online transactions.

A digital signature system is provided on a server for use by remote clients, such as by using a browser. The server generates and maintains all of the users' keys used for producing a digital signature. A user sends a data object to the server, and the server generates a digital signature for the data object using the private key stored at the server. The server then sends the digital signature to the client. A client can, at a later time, send the signature back to the server for verification.

Systems and methods are provided for protecting and managing electronic data signals that are registered in accordance with a predefined encoding scheme, while allowing access to unregistered data signals. In one embodiment a relatively hard-to-remove, easy-to-detect, strong watermark is inserted in a data signal. The data signal is divided into a sequence of blocks, and a digital signature for each block is embedded in the signal via a watermark. The data signal is then stored and distributed on, e.g., a compact disc, a DVD, or the like. When a user attempts to access or use a portion of the data signal, the signal is checked for the presence of a watermark containing the digital signature for the desired portion of the signal. If the watermark is found, the digital signature is extracted and used to verify the authenticity of the desired portion of the signal. If the signature-containing watermark is not found, the signal is checked for the presence of the strong watermark. If the strong watermark is found, further use of the signal is inhibited, as the presence of the strong watermark, in combination with the absence or corruption of the signature-containing watermark, provides evidence that the signal has been improperly modified. If, on the other hand, the strong mark is not found, further use of the data signal can be allowed, as the absence of the strong mark indicates that the data signal was never registered with the signature-containing watermark.

A method and a system for performing a transaction between at least one first party and at least one second party are disclosed. A data network connects data input/output terminals of the parties. In the data network, a secure and trusted transaction server is provided, in which a profile of the parties is registered, having a party identifier identifying a particular party, and authentication data for authenticating the party and data sent by the party. The parties communicate with each other through the transaction server by means of various transaction messages, which are digitally signed using a table of random numbers and a hashing operation, wherein the table of random numbers is generated by reading a token.