发明申请
- 专利标题: APPARATUS, SYSTEM, AND METHOD FOR SECURELY AUTHORIZING CHANGES TO A TRANSACTION RESTRICTION
- 专利标题(中): 用于对交易限制进行安全更改的设备,系统和方法
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申请号: US11609814申请日: 2006-12-12
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公开(公告)号: US20080140575A1公开(公告)日: 2008-06-12
- 发明人: Stacy John Cannady , David Carroll Challener , Daryl Cromer , Mark Charles Davis , David Rivera , Randall Scott Springfield , Rod D. Waltermann
- 申请人: Stacy John Cannady , David Carroll Challener , Daryl Cromer , Mark Charles Davis , David Rivera , Randall Scott Springfield , Rod D. Waltermann
- 主分类号: H04L9/14
- IPC分类号: H04L9/14 ; H04L9/32 ; G06Q20/00
摘要:
An apparatus, system, and method are disclosed for securely authorizing changes to a transaction restriction. A security module securely stores encryption keys for a payment instrument. The payment instrument electronically transacts payments and includes a transaction restriction. An authentication module receives an authentication from a user of the payment instrument. The security module validates the authentication with a first encryption key. In addition, the security module authorizes a change to the transaction restriction using a second encryption key if the authentication is valid. The security module resides on a computer that the user designates as authorized to validate the authentication.