Three party account authority digital signature (AADS) system
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United States of America Patent
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Dec 31, 2013
Grant Date -
Mar 14, 2002
app pub date -
May 17, 2001
filing date -
Nov 9, 1998
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A system for making a purchase by a customer from a merchant, wherein an electronic message represents an instruction for payment from an account with a financial institution, includes a method of: associating a public key with identity information regarding the account; receiving by the merchant both encoding information for the electronic message and the identity information; forwarding by the merchant the electronic message, encoding information, and identity information; upon receipt of the electronic message, the encoding information, and identity information, retrieving the public key associated with the identity information; and determining a validation result as a function of the electronic message, the encoding information, and the retrieved public key. Upon successful validation, an account authorization is performed or payment from the account is made.
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