US6952773B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Requesting execution of instructions on accounts in ABDS system
Assignee: First Data Corp
•
Filing: 2003-02-01
•
Granted: 2005-10-04
•
Expires: 2023-02-01
Abstract
Abstract A method of requesting an account authority to execute an instruction with regard to an account maintained by the account authority includes, (a) for a first account, composing an electronic message including, an instruction regarding the first account and a first unique identifier by which a first account authority identifies the first account, digitally signing the electronic message using a private key of a public-private key pair for which the public key is associated by the first account authority with the first account, and sending the electronic message and digital signature to the first account authority, and (b) for a second account digitally signing a similar message of instruction using the same private key of the public-private key pair, and sending the electronic message and digital signature to the second account authority.
Inventors
- 👤 Lynn Henry Wheeler
- 👤 Anne M. Wheeler
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:34
CPC Classifications
H; H04; H04L; H04L63/00; H04L63/04; H04L63/0428; G; G06; G06F; G06F21/00; G06F21/30; G06F21/31; G06F21/32; G06Q; G06Q20/00; G06Q20/02; G06Q20/04; G06Q20/08; G06Q20/085; G06Q20/0855; G06Q20/12; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/355; G06Q20/3558; G06Q20/36; G06Q20/367; G06Q20/3674; G06Q20/3676; G06Q20/38; G06Q20/382; G06Q20/3821; G06Q20/3823; G06Q20/3825; G06Q20/3829; G06Q20/385; G06Q20/388; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G06Q20/403; G06Q20/409; G06Q20/4097; G06Q20/40975; G06Q50/00; G06Q50/10; G06Q50/18; G06Q50/188; G07; G07F; G07F7/00; G07F7/08; G07F7/0873; G07F7/088; G07F7/0886; G07F7/10; G07F7/1008; G07F7/1016; H04L63/0442; H04L63/06; H04L63/062; H04L63/08; H04L63/0823; H04L63/083; H04L63/12; H04L9/00; H04L9/32; H04L9/321; H04L9/3247; G06F2221/00; G06F2221/21; G06F2221/2113; H04L2209/00; H04L2209/42; H04L2209/56
Claims Analysis
Total Claims: 41
Claim 1
Independent Claim
247 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database the same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable by each respective account authority based on the respective unique identifier comprising the steps of: (a) for a first account maintained by a first account authority, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which the first account authority identifies the first account from accounts maintained by the first account authority, (ii) digitally sing the first electronic message using the private key of the public-private key pair, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account maintained by a second account authority, (i) composing a second electronic message including, (A) an instruction regarding the second account, and (B) a second unique identifier by which the second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the same private key of the public-private key pair, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
Claim 2
Independent Claim
247 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database the same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable by each respective account authority based on the respective unique identifier comprising the steps of: (a) for a first account maintained by a first account authority, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which the first account authority identifies the first account from accounts maintained by the first account authority, (ii) digitally sing the first electronic message using the private key of the public-private key pair, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account maintained by a second account authority, (i) composing a second electronic message including, (A) an instruction regarding the second account, and (B) a second unique identifier by which the second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the same private key of the public-private key pair, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
Claim 3
Dependent Claim
19 words
The method of claim 1 , wherein the public key is included in at least one of the messages.
Claim 4
Dependent Claim
15 words
The method of claim 1 , wherein the unique identifiers comprises the associated public key.
Claim 5
Dependent Claim
21 words
The method of claim 1 , wherein each of the respective unique identifiers comprises an account number of the respective account.
Claim 6
Dependent Claim
32 words
The method of claim 1 , further comprising the step of composing one of the electronic messages external to a device possessing the private key used to generate the corresponding digital signature.
Claim 7
Dependent Claim
23 words
The method of claim 5 , further comprising the step of calculating a hash value for the electronic message external to the device.
Claim 8
Dependent Claim
24 words
The method of claim 5 , further comprising the step of inputting the electronic message into the device for generation of the digital signature.
Claim 9
Dependent Claim
31 words
The method of claim 1 , further comprising the step of composing one of the electronic messages within a device possessing the private key used to generate the corresponding digital signature.
Claim 10
Dependent Claim
22 words
The method of claim 8 , further comprising the step of calculating a hash value for the electronic message within the device.
Claim 11
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a personal computer.
Claim 12
Dependent Claim
28 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic me sage comprises a cell phone.
Claim 13
Dependent Claim
26 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a PDA.
Claim 14
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises an electronic key.
Claim 15
Dependent Claim
26 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a dongle.
Claim 16
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a subcutaneous implant.
Claim 17
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a secure chip.
Claim 18
Dependent Claim
25 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises jewelry.
Claim 19
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises an IC card.
Claim 20
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a credit card.
Claim 21
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a debit card.
Claim 22
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises a security card.
Claim 23
Dependent Claim
27 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message comprises an ID badge.
Claim 24
Dependent Claim
34 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message transmits the digital signature through physical contact with a device interface.
Claim 25
Dependent Claim
33 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message plugs into device interface for transmission of the digital signature.
Claim 26
Dependent Claim
15 words
The method of claim 23 , wherein the device is swiped through the device interface.
Claim 27
Dependent Claim
35 words
The method of claim 1 , wherein a device possessing the private key used to generate a digital signature of an electronic message transmits the digital sign to a device interface without physical contact therewith.
Claim 28
Dependent Claim
16 words
The method of claim 26 , wherein the device transmits the digital signature through wireless communication.
Claim 29
Dependent Claim
17 words
The method of claim 26 , wherein the device transmits the digital signature trough an RF transmission.
Claim 30
Dependent Claim
14 words
The method of claim 1 , wherein the communications medium is open and insecure.
Claim 31
Dependent Claim
13 words
The method of claim 1 , wherein the communications medium comprises the Internet.
Claim 32
Dependent Claim
14 words
The method of claim 1 , wherein the respective electronic messages are not encrypted.
Claim 33
Dependent Claim
13 words
The method of claim 1 , wherein the respective electronic message are encrypted.
Claim 34
Dependent Claim
21 words
The method of claim 1 , wherein the respective electronic messages includes no personally-identifying information regarding an owner of the account.
Claim 35
Dependent Claim
25 words
The method of claim 1 , wherein the respective electronic messages includes no account-identifying information other than the respective unique identifier of the respective account.
Claim 36
Dependent Claim
12 words
The method of claim 1 , wherein the unique identifiers are identical.
Claim 37
Dependent Claim
12 words
The method of claim 1 , wherein the unique identifiers are different.
Claim 38
Independent Claim
243 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database a same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable based on the respective unique identifier, and wherein the corresponding private key of the public-private key pair is not known or accessible by the plurality of account authorities, comprising the steps of: (a) for a first account, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which a first account authority identifies the first account from accounts maintained by the fit account authority, (ii) digitally signing the first electronic message using the corresponding private key, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account, (i) composing a second electronic message including, (A) an instruction regarding the second account, and (B) a second unique identifier by which a second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the corresponding private key, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
Claim 39
Independent Claim
243 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database a same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable based on the respective unique identifier, and wherein the corresponding private key of the public-private key pair is not known or accessible by the plurality of account authorities, comprising the steps of: (a) for a first account, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which a first account authority identifies the first account from accounts maintained by the fit account authority, (ii) digitally signing the first electronic message using the corresponding private key, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account, (i) composing a second electronic message including, (A) an instruction regarding the second account, and (B) a second unique identifier by which a second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the corresponding private key, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
Claim 40
Independent Claim
246 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database a same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable based on the respective unique identifier, comprising the steps of: (a) for a first account, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which a first account authority identifies the first account from accounts maintained by the fit account authority, (ii) digitally signing the first electronic message using the private key of the public-private key pair, the private key securely residing only within a device used to digitally-sign the first electronic message, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account, (i) composing a second electronic message including, (A) an instruction regaling the second account, and (B) a second unique identifier by which a second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the same private key securely residing within the device, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
Claim 41
Independent Claim
246 words
A method of requesting a plurality of account authorities to execute a respective instruction with regard to a respective account maintained by each respective account authority and for which each account authority has previously associated in a computer database a same public key of a public-private key pair with a respective unique identifier of the respective account such that the public key is retrievable based on the respective unique identifier, comprising the steps of: (a) for a first account, (i) composing a first electronic message including, (A) an instruction regarding the first account, and (B) a first unique identifier by which a first account authority identifies the first account from accounts maintained by the fit account authority, (ii) digitally signing the first electronic message using the private key of the public-private key pair, the private key securely residing only within a device used to digitally-sign the first electronic message, and (iii) sending the electronic message and digital signature to the first account authority over a communications medium, and (b) for a second account, (i) composing a second electronic message including, (A) an instruction regaling the second account, and (B) a second unique identifier by which a second account authority identifies the second account from accounts maintained by the second account authority, (ii) digitally signing the second electronic message using the same private key securely residing within the device, and (iii) sending the electronic message and digital signature to the second account authority over a communications medium.
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| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
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