Gauging risk in electronic communications regarding accounts in ABDS system
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United States of America Patent
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Jul 25, 2006
Grant Date -
May 22, 2003
app pub date -
Feb 1, 2003
filing date -
Aug 4, 2000
priority date (Note) -
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status (Latency Note)
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Abstract
A system for communicating electronically over a communications medium regarding an account includes (a) maintaining information pertaining to the account in a database such that the information is retrievable by a unique identifier, the information including security features of a device that generates digital signatures using a private key of a public-private key pair, (b) associating the public key of the device with the unique identifier in the database, (c) receiving an electronic communication including the unique identifier and a digital signature for a message generated by a suspect device (d) authenticating the message using the public key associated with the unique, (e) upon successful authentication of the message, identifying the security features retrievable by the unique identifier as being the security features of the genuine device, and (f) gauging the risk that said generated digital signature was fraudulently sent based on said identified security features of the genuine device.
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