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    • 19. 发明专利
    • System and method for private and secure financialtransactions
    • HK1046753A1
    • 2003-01-24
    • HK02108210
    • 2002-11-13
    • AUTHERNATIVE INC
    • MIZRAH LEN L
    • G06F20060101G06Q20/04G07D9/00G06Q20/10G06Q20/38G06Q20/40G06Q20/42G06Q40/00G07F19/00H04L20060101
    • A system and method for private and secure financial transactions. The system and method comprise embedded into financial institutions (financial institution ) privacy and security layer architecture and the "clocked" authentication, authorization and accounting (AAA) method. The system and method enable legal financial account holders (financial account holder) to perform buy/sell or withdraw/deposit financial transactions (financial transaction ) without disclosing private personal information to the transaction counterparts, while preserving highly elevated and enhanced security and fraud protection as compared with conventional methods. Before financial transaction, financial account holder initiates an authentication session with financial institution back office (financial institution back office) by accessing its central processing unit (CPU) and data base (dB), configured in the embedded privacy and security layer (EPSL) architecture with automated "clocked" AAA sessions by using dedicated communication lines. The authentication session is interactive, transaction specific and followed by either financial transaction deny or an alphanumeric signature generated for this specific financial transaction . Then financial account holder submits his/her request to a transaction counterpart along with the EPSL account number and the alphanumeric signature, generated by financial institution EPSL during previous authentication session. The transaction counterpart adds up additional or more refined financial transaction specific information and requests an authorization session with financial institution back office where the EPSL account, CPU and dB are residing. The accounting session starts at the end of the authentication session and finishes along with the authorization session while being an essential part of them both. The system and method are particularly suited for use by banks, credit card companies and brokerage companies. Finally, the system and method are well adapted to the current and upcoming software, hardware, and electronic commerce technologies and can be easily implemented given an acceptable business trade off.
    • 20. 发明申请
    • SYSTEM AND METHOD FOR MUTUALLY AUTHENTICATED CRYPTOGRAPHIC KEY EXCHANGE USING MATRICES
    • 使用矩阵的MUTULEY AUTHENATED CRYPTOGRAPHIC KEY EXCHANGE的系统和方法
    • WO2012092072A2
    • 2012-07-05
    • PCT/US2011/066532
    • 2011-12-21
    • AUTHERNATIVE, INC.BARTON, Edward, M.MIZRAH, Len, L.
    • BARTON, Edward, M.MIZRAH, Len, L.
    • H04L9/00
    • H04L9/0844
    • Two parties can establish a cryptographic key using a matrix based key exchange protocol, for secure communications without any prior distribution of secret keys or other secret data, and without revealing said key to any third party who may have access to all of the transmissions between them. The two parties use a shared secret to produce a common matrix M. The common matrix M, is multiplied by a random matrix K on the sending side, and a different random matrix N on the receiving side. The matrix product KM is sent from the sending side to the receiving side, and the matrix product MN is sent from the receiving side to the sending side. Both sides produce the common matrix product KMN, and use it for producing a symmetric key for encrypted communications, after mutually authenticating one another over an insecure network.
    • 双方可以使用基于矩阵的密钥交换协议来建立加密密钥,用于安全通信,而无需事先分发秘密密钥或其他秘密数据,并且不向可能访问其间的所有传输的任何第三方泄露所述密钥 。 双方使用共享密钥来产生公共矩阵M.公共矩阵M乘以发送侧的随机矩阵K和接收侧的不同随机矩阵N. 矩阵产品KM从发送侧发送到接收侧,矩阵产品MN从接收侧发送到发送侧。 双方产生公共矩阵产品KMN,并通过不安全的网络相互认证,用于生成用于加密通信的对称密钥。