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    • 5. 发明申请
    • Transaction coordinator for digital certificate validation and other services
    • US20070073621A1
    • 2007-03-29
    • US11603755
    • 2006-11-22
    • Charles DulinDavid SoloMack HicksLarry NepomucenoMark Stirland
    • Charles DulinDavid SoloMack HicksLarry NepomucenoMark Stirland
    • G06Q99/00
    • G06Q20/38215G06F21/33G06Q20/02G06Q20/04G06Q20/12G06Q20/3674G06Q20/3829G06Q2220/00H04L9/3265H04L63/0823H04L2209/56
    • Systems and methods for facilitating electronic commerce by securely providing certificate-related and other services including certificate validation and warranty. In a preferred embodiment, these services are provided within the context of a four-corner trust model. The four-corner model comprises a buyer, or subscribing customer, and a seller, or relying customer, who engage in an on-line transaction. The buyer is a customer of a first financial institution, or issuing participant. The issuing participant operates a certificate authority and issues the buyer a hardware token including a private key and a digital certificate signed by the issuing participant. The seller is a customer of a second financial institution, or relying participant. The relying participant operates a certificate authority and issues the seller a hardware token including a private key and a digital certificate signed by the relying participant. The system also includes a root certificate authority that operates a certificate authority that issues digital certificates to the issuing and relying participants. At the time of a transaction, the buyer creates a hash of the transaction data, signs the hash, and transmits the transaction data, the signature, and its digital certificate to the seller. The seller may then request system services via a connection with its financial institution, the relying participant. The system services may include a certificate status check service and a warranty service. The certificate status check service allows the relying customer to validate the subscribing customer's certificate. The warranty service allows the relying customer to receive a collateral-backed warranty that the subscribing customer's certificate is valid. Each participant and the root entity is provided with a transaction coordinator for combining services and operations into a single transaction having the qualities of atomicity, consistency, isolation, and durability. The transaction coordinator provides a single consistent interface for certificate-status messages and requests, as well as messages and requests relating to other services.