PORTABLE SECURITY TRANSACTION PROTOCOL

Patent №

US 8,190,893

Granted

2012-05-29

Filed 2004

Owner

JP MORGAN CHASE BANK

Lab

AI components

1

kr

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

10882527

A technique for providing message authenticity includes accepting transaction information, accepting a first data item used for authenticating an originating user, cryptographically processing the transaction information using only a second data item, wherein the entropy of the first data item is less than the entropy of the second data item, and authenticating the originating user using the first data item. The first data item can be a sequence of digits corresponding to those displayed on an external device, such as, for example, an RSA authorization token, credit card, etc. In general, the first data item will be a short alphanumeric string and the second data item will generally be much larger, e.g., a 128 bit sequence to be used principally for data authentication. According to another aspect of the present invention, consequential evidence of the transaction may be secured to provide after-the-fact evidence of the transaction. This evidence can include a message written to a tamper-resistant log record, the message including the transaction information, the first data item, the second item, and an identifier for the originating user, as well as other information. At a subsequent point, the transaction can be shown to have been sent by the originating user and received by the intended recipient, by consulting the log record. Preferably, the validity of the transaction would be ascertained by an independent, mutually trusted third party.

Knowledge representationH04L 9/3247G06F 21/10G06Q 20/02G06Q 20/04G06Q 20/4014G06Q 20/4016H04L 9/3236H04L 63/08+1 more

AI classification

Knowledge representation0.74
Planning0.02
Natural language0.01
AI hardware0.01
Evolutionary computation0.00
Vision0.00
Speech0.00
Machine learning0.00

Ownership

JP MORGAN CHASE BANK

assignment · 154140320

Assignors

BENSON, GLENN S., CALACETO, JOSEPH R., LOGAR, RUSSELL M.

On an employer assignment, the assignors are typically the inventors.

© 2026 NYSGPT2525 LLC