US6981154B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Account authority digital signature (AADS) accounts
Assignee: First Data Corp
•
Filing: 2001-12-05
•
Granted: 2005-12-27
•
Expires: 2021-12-05
Abstract
Abstract A method of managing accounts by an account authority for the same account holder includes associating identity information for each account with the same public key. A method for establishing a new account for the same account holder with each one of a plurality of account authorities includes associating respective identity information for each account with the same public key of the account holder. A method of setting up an account with account authorities for the later process of validating the identity of a sender of electronic communications representing requests for performance of actions regarding the accounts, each electronic communication including a digital signature and respective sender identity information, includes associating a public key with the account such that the public key later is retrievable following receipt of a communication based on the respective sender identity information in the communication, the public key being the same for each account authority.
Inventors
- 👤 Anne Mcafee Wheeler
- 👤 Lynn Henry Wheeler
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:19
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/02; G06Q20/08; G06Q20/10; G06Q20/30; G06Q20/36; G06Q20/367; G06Q20/3674; G06Q20/38; G06Q20/382; G06Q20/3825; G06Q20/3829; G06Q20/40; G06Q20/401; H; H04; H04L; H04L9/00; H04L9/32; H04L9/3247; H04L2209/00; H04L2209/56
Claims Analysis
Total Claims: 47
Claim 1
Independent Claim
113 words
A method of managing a plurality of different accounts by an account authority for a single account holder, comprising the steps of: (a) associating respective identity information with each one of the plurality of different accounts, each account comprising transactional account information, and (b) associating by the account authority the same public key of a public-private key pair with each one of the plurality of different accounts of step (a) by associating in a computer database the same public key with the respective identity information for the respective account, whereby the same public key is retrievable based on any said associated, respective identity information of any one of the plurality of different accounts.
Claim 2
Independent Claim
113 words
A method of managing a plurality of different accounts by an account authority for a single account holder, comprising the steps of: (a) associating respective identity information with each one of the plurality of different accounts, each account comprising transactional account information, and (b) associating by the account authority the same public key of a public-private key pair with each one of the plurality of different accounts of step (a) by associating in a computer database the same public key with the respective identity information for the respective account, whereby the same public key is retrievable based on any said associated, respective identity information of any one of the plurality of different accounts.
Claim 3
Dependent Claim
19 words
The method of claim 1 , wherein the respective identity information for each account comprises a unique account number.
Claim 4
Dependent Claim
20 words
The method of claim 1 , wherein the respective identity information for each account comprises other than an account number.
Claim 5
Dependent Claim
30 words
The method of claim 1 , wherein the account authority is a financial institution and the transactional account information for each said associated account in step (a) comprises financial information.
Claim 6
Independent Claim
135 words
A method for establishing a plurality of new accounts for an account holder, each of the plurality of new accounts being opened with a respective one of a plurality of account authorities, comprising the steps of: (a) associating respective identity information with each new account, each new account comprising transactional account information, and (b) associating by each of the respective account authorities the same public key of a public-private key pair with the new account for that respective account authority by associating in a computer database of the respective account authority the public key with the identity information for the respective new account, whereby the same public key is retrievable from the computer database of the respective account authority based on the associated identity information for the respective new account of that respective account authority.
Claim 7
Independent Claim
135 words
A method for establishing a plurality of new accounts for an account holder, each of the plurality of new accounts being opened with a respective one of a plurality of account authorities, comprising the steps of: (a) associating respective identity information with each new account, each new account comprising transactional account information, and (b) associating by each of the respective account authorities the same public key of a public-private key pair with the new account for that respective account authority by associating in a computer database of the respective account authority the public key with the identity information for the respective new account, whereby the same public key is retrievable from the computer database of the respective account authority based on the associated identity information for the respective new account of that respective account authority.
Claim 8
Dependent Claim
23 words
The method of claim 5 , wherein the public key is provided to each of the respective account authorities by the account holder.
Claim 9
Dependent Claim
41 words
The method of claim 5 , wherein the public key is provided by one of the account authorities to the account holder, and the public key then is provided to each one of the other account authorities by the account holder.
Claim 10
Dependent Claim
19 words
The method of claim 5 , wherein the identity information for the respective new account comprises an account number.
Claim 11
Dependent Claim
21 words
The method of claim 5 , wherein the identity information for the respective new account comprises other than an account number.
Claim 12
Dependent Claim
30 words
The method of claim 5 , wherein each account authority is a financial institution and the transactional account information for each said associated account in step (a) comprises financial information.
Claim 13
Dependent Claim
21 words
The method of claim 5 , wherein the identity information associated with each respective account in step (a) is the same.
Claim 14
Dependent Claim
23 words
The method of claim 5 , wherein the identity information associated with each respective account in step (a) is different for each account.
Claim 15
Independent Claim
164 words
A method of setting up an account of an account holder with each one of a plurality of different account authorities for the later process of validating an identity of a sender of electronic communications representing requests for performance of actions regarding the accounts, wherein each electronic communication has a digital signature and sender identity information, the method for each different account authority of setting up the account comprising the steps of: (a) associating sender identity information with the respective account of the account authority in a computer database, the account comprising transactional account information; and (b) associating by the account authority a public key of a public-private key pair with the respective account of the account authority in the computer database such that the public key later is retrievable from the computer database based on said associated sender identity information in step (a) wherein the same public key is associated by each of the different account authorities with each of the respective accounts.
Claim 16
Independent Claim
164 words
A method of setting up an account of an account holder with each one of a plurality of different account authorities for the later process of validating an identity of a sender of electronic communications representing requests for performance of actions regarding the accounts, wherein each electronic communication has a digital signature and sender identity information, the method for each different account authority of setting up the account comprising the steps of: (a) associating sender identity information with the respective account of the account authority in a computer database, the account comprising transactional account information; and (b) associating by the account authority a public key of a public-private key pair with the respective account of the account authority in the computer database such that the public key later is retrievable from the computer database based on said associated sender identity information in step (a) wherein the same public key is associated by each of the different account authorities with each of the respective accounts.
Claim 17
Dependent Claim
20 words
The method of claim 13 , wherein the public key is provided to each account authority by the account holder.
Claim 18
Dependent Claim
41 words
The method of claim 13 , wherein the public key is provided by one of the account authorities to the account holder, and the public key then is provided to each one of the other account authorities by the account holder.
Claim 19
Dependent Claim
25 words
The method of claim 13 , wherein sender identity information that is associated with a respective account by an account authority comprises an account number.
Claim 20
Dependent Claim
27 words
The method of claim 13 , wherein sender identity information that is associated with a respective account by an account authority comprises other than an account number.
Claim 21
Dependent Claim
27 words
The method of claim 13 , wherein each account authority is a financial institution and the transactional account information for each said associated account comprises financial information.
Claim 22
Dependent Claim
27 words
The method of claim 13 , wherein each account authority is a financial institution and the action on the account comprises a financial transaction on the account.
Claim 23
Dependent Claim
14 words
The method of claim 13 , wherein the action regarding the account is financial.
Claim 24
Dependent Claim
15 words
The method of claim 13 , wherein an action regarding the account is not financial.
Claim 25
Dependent Claim
43 words
The method of claim 13 , wherein following said steps (a) and (b), the identity of the sender of an electronic communication representing a request for performance of an action regarding the account is validated without validating a certificate of a public key.
Claim 26
Independent Claim
33 words
The method of claims 1 , 5 , or 13 , wherein the identity information is not associated with a certificate of public key in accomplishing either said step (a) or step (b).
Claim 27
Independent Claim
21 words
The method of claims 1 , 5 , or 13 , wherein the public key is unique to the account holder.
Claim 28
Independent Claim
28 words
The method of claims 1 , 5 , or 13 , wherein the public key is a public key of a public key pair of the account holder.
Claim 29
Independent Claim
21 words
The method of claims 1 , 5 , or 13 , wherein the public key is not of an account authority.
Claim 30
Independent Claim
25 words
The method of claims 5 or 13 , wherein said step (a) is performed by the respective account authority for the account that is associated.
Claim 31
Independent Claim
18 words
The method of claims 1 or 13 , wherein the identity information is the same for each account.
Claim 32
Independent Claim
22 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises information required to process the action.
Claim 33
Independent Claim
21 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises a personal identification number (PIN).
Claim 34
Independent Claim
24 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises an account balance representing funds in the account.
Claim 35
Independent Claim
23 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises information validated when the account was established.
Claim 36
Independent Claim
29 words
The method of claims 1 or 13 , wherein transactional account information comprises information that was validated in a face-to-face acknowledgement between the account holder and the account authority.
Claim 37
Independent Claim
18 words
The method of claims 1 , 5 , or 13 , wherein an account comprises a checking account.
Claim 38
Independent Claim
24 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises a history of ledger transactions in the account.
Claim 39
Dependent Claim
18 words
The method of claim 13 , wherein transactional account information comprises the social security number of the sender.
Claim 40
Dependent Claim
16 words
The method of claim 13 , wherein transactional account information comprises the address of the sender.
Claim 41
Dependent Claim
18 words
The method of claim 13 , wherein transactional account information comprises the mother's maiden name of the sender.
Claim 42
Dependent Claim
16 words
The method of claim 13 , wherein transactional account information comprises entity information of the sender.
Claim 43
Dependent Claim
17 words
The method of claim 13 , wherein transactional account information only includes entity information of the sender.
Claim 44
Independent Claim
19 words
The method of claims 1 , 5 , or 13 , wherein transactional account information comprises business process information.
Claim 45
Independent Claim
25 words
The method of claims 1 , 5 , or 13 , wherein transactional account information is stored in fields in records in the computer database.
Claim 46
Dependent Claim
13 words
The method of claim 42 , wherein the records comprise an account file.
Claim 47
Dependent Claim
14 words
The method of claim 43 , wherein the records further comprise a transactions file.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2008-12-26 | 2009-06-27 | 2009-12-27 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2012-12-26 | 2013-06-27 | 2013-12-27 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2016-12-26 | 2017-06-27 | 2017-12-27 | $7700.00 | Window Closed / Lapsed |