公开(公告)号：US20070130463A1

公开(公告)日：2007-06-07

申请号：US11376771

申请日：2006-03-15

申请人： Eric Chun Wah Law ,  Lap Yam

发明人： Eric Chun Wah Law ,  Lap Yam

IPC分类号： H04L9/00

CPC分类号： G06F21/34 ,  G06F21/41 ,  H04L63/0838 ,  H04L2463/082

摘要： A system and a method are disclosed that includes a first party with a terminal and a one-time password token, one or more second parties, each with a host application system and a service provider authentication server, and a third party with a host application system and a master authentication server. The first party uses a single one-time password token with a single personal identification number (PIN) to access the one or more second parties. A third party issues the token to the first party and synchronizes token secrets and parameters with the one or more second parties. This offloads token management from the second parties and allows the second parties to directly authenticate the first party. The authentication of the first party by the second party does not involve the third party.

摘要翻译： 公开了一种系统和方法，其包括具有终端的第一方和一次性密码令牌，一个或多个第二方，每个具有主机应用系统和服务提供商认证服务器，以及具有主机应用的第三方 系统和主认证服务器。 第一方使用具有单个个人识别号码（PIN）的单个一次性密码令牌来访问一个或多个第二方。 第三方向第一方发出令牌，并与一个或多个第二方同步令牌秘密和参数。 这从第二方卸载令牌管理，并允许第二方直接认证第一方。 第二方认证第一方不涉及第三方。

公开(公告)号：US20070125838A1

公开(公告)日：2007-06-07

申请号：US11377027

申请日：2006-03-15

申请人： Eric Law ,  Lap Yam

发明人： Eric Law ,  Lap Yam

IPC分类号： G07F19/00 ,  G06Q40/00 ,  G06Q99/00

CPC分类号： G07F7/1008 ,  G06F21/34 ,  G06Q20/04 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/3223 ,  G06Q20/341 ,  G06Q20/357 ,  G06Q20/367 ,  G06Q20/3823 ,  G06Q20/40 ,  G06Q20/40975

摘要： A system (and a method) for electronic financial transactions includes at least of each of a sender having an electronic wallet, a recipient having an electronic wallet, a sending bank having a host application system and an authentication server, a receiving bank having a host application system and an authentication server, and a wallet management center with a host application system and an authentication server. The sender uses its electronic wallet to send an encrypted payment instruction directly to the electronic wallet of the recipient. The recipient can accept the payment by performing a second level encryption of the payment instruction for submission to the wallet management center for authentication. Once authenticated, the wallet management center immediately notifies the recipient and submits payment instructions for clearing by the corresponding sending and receiving banks. Payment authorization is authenticated directly by the sending bank without involvement of the wallet management center.

摘要翻译： 用于电子金融交易的系统（和方法）至少包括具有电子钱包的发送者，具有电子钱包的接收者，具有主机应用系统的发送银行和认证服务器，具有主机的接收银行 应用系统和认证服务器，以及具有主机应用系统和认证服务器的钱包管理中心。 发件人使用其电子钱包将加密的支付指令直接发送到收件人的电子钱包。 接收者可以通过执行支付指令的二级加密来接收付款，以提交给钱包管理中心进行认证。 一旦认证，钱包管理中心立即通知收件人并提交付款指示，由相应的发送和接收银行清算。 发货银行直接对付款授权进行身份验证，而不涉及钱包管理中心。

公开(公告)号：US20070130462A1

公开(公告)日：2007-06-07

申请号：US11376769

申请日：2006-03-15

申请人： Eric Law ,  Lap Yam

发明人： Eric Law ,  Lap Yam

IPC分类号： H04L9/00

CPC分类号： H04L9/0844 ,  H04L9/3226 ,  H04L63/045 ,  H04L63/08 ,  H04L2209/56 ,  H04L2209/603 ,  H04L2209/80

摘要： An asynchronous communication system and method are configured for secured communication between a sender and a recipient without a need for pre-arrangement of shared static encryption key secrets. In one embodiment a system receives an initiation request for authentication from a sender seeking to transmit a message. The system generates an asymmetric key set, which includes a private key and a public key associated with a key reference. The system stores the private key with the key reference and transmits the public key to the sender. The sender uses the public key to encrypt the message to be sent to the recipient. The system will then receive a request for the private key from a recipient of the encrypted message. The system will authenticate the recipient identity. Once authenticated, the system transmits the private key to the recipient, which uses the private key to decrypt the encrypted message.

摘要翻译： 异步通信系统和方法被配置用于发送者和接收者之间的安全通信，而不需要预先安排共享的静态加密密钥秘密。 在一个实施例中，系统从寻求发送消息的发送方接收认证的发起请求。 系统生成非对称密钥集，其包括私钥和与密钥引用相关联的公钥。 该系统存储具有密钥引用的私钥，并将该公开密钥发送给发送者。 发件人使用公钥加密要发送给收件人的邮件。 然后，系统将从加密消息的接收方接收对私钥的请求。 系统将验证收件人身份。 一旦认证，系统将私钥发送给接收者，该接收者使用私钥对加密消息进行解密。

公开(公告)号：US20070125840A1

公开(公告)日：2007-06-07

申请号：US11428783

申请日：2006-07-05

申请人： ERIC LAW ,  LAP YAM ,  JOSEPH LAU

发明人： ERIC LAW ,  LAP YAM ,  JOSEPH LAU

IPC分类号： G07F19/00 ,  G06Q40/00 ,  G06Q99/00

CPC分类号： G07F7/0866 ,  G06Q20/10 ,  G06Q20/223 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/40 ,  G06Q30/04 ,  G06Q30/06 ,  G06Q40/02

摘要： A system (and a method) for electronic financial transactions includes a sender and a recipient each having an electronic wallet, a sending bank and a receiving bank each having a host application system and an authentication server, and a wallet management center with a host application system and an authentication server. The sender uses its electronic wallet to send an encrypted payment instruction directly to the electronic wallet of the recipient. The recipient can perform a second level encryption of the instruction for submission to the wallet management center for authentication. Once authenticated, the wallet management center notifies the recipient and submits payment instructions for clearing by the corresponding sending and receiving banks. Payment authorization is authenticated directly by the sending bank without involvement of the wallet management center. For enhanced usability, payment details may be originated from the recipient to the sender using proximity or online messaging.

摘要翻译： 一种用于电子金融交易的系统（和方法）包括每个具有电子钱包的发送者和接收者，每个具有主机应用系统和认证服务器的发送银行和接收银行以及具有主机应用的钱包管理中心 系统和认证服务器。 发件人使用其电子钱包将加密的支付指令直接发送到收件人的电子钱包。 接收者可以执行用于提交给钱包管理中心进行认证的指令的第二级加密。 一旦认证，钱包管理中心通知收件人，并提交付款指示，由相应的发送和接收银行清算。 发货银行直接对付款授权进行身份验证，而不涉及钱包管理中心。 为了增强可用性，支付细节可以从收件人发送到发送者使用接近或在线消息。