System and method for alternative encryption techniques

Details System and method for alternative encryption techniques System and method for alternative encryption techniques

2005-01-25

2005-01-25

Morse, Gregory (Department: 2131)

Electrical computers and digital processing systems: support

Multiple computer communication using cryptography

Particular communication authentication technique

C713S184000, C380S259000, C380S262000, C380S268000, C380S283000, C380S044000, C380S028000, C705S066000, C705S067000, C705S072000

Reexamination Certificate

active

06848050

ABSTRACT:
A system and method for verifying the identification of a user and securely establishing an encryption key for a communication between the user and a verifying entity, such as a bank, which makes use of the numeric value of the user's personal identification number (PIN) known only to the user and the bank and resolves the man-in-the-middle problem. The system and method replaces a public parameter with the customer's PIN to provide an encryption mechanism that is less complex than existing protocols. Use of the protocol enables new products and improvement of existing products using a service access device and service access device interface, including, for example, self-service terminals.

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