Gauging risk in electronic communications regarding accounts...

Details Gauging risk in electronic communications regarding accounts... Gauging risk in electronic communications regarding accounts...

2006-07-25

2006-07-25

Zand, Kambiz (Department: 2132)

Electrical computers and digital processing systems: support

Multiple computer communication using cryptography

Central trusted authority provides computer authentication

C713S156000, C713S157000, C713S176000, C713S194000, C380S282000, C380S284000, C705S057000, C705S063000

Reexamination Certificate

active

07082533

ABSTRACT:
A system for communicating electronically over a communications medium regarding an account includes (a) maintaining information pertaining to the account in a database such that the information is retrievable by a unique identifier, the information including security features of a device that generates digital signatures using a private key of a public-private key pair, (b) associating the public key of the device with the unique identifier in the database, (c) receiving an electronic communication including the unique identifier and a digital signature for a message generated by a suspect device (d) authenticating the message using the public key associated with the unique, (e) upon successful authentication of the message, identifying the security features retrievable by the unique identifier as being the security features of the genuine device, and (f) gauging the risk that said generated digital signature was fraudulently sent based on said identified security features of the genuine device.

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