DIGITAL SIGNATURE AUTHENTICATION

摘要

A systems and methods for authenticating a consumer with a transaction card using digital signatures according to one embodiment of the invention is disclosed. These systems and methods allow consumers to digitally sign transaction information with a private key. The private key may be used to digitally sign the transaction, for example, through a hosted or local system that protects the integrity of the private key. A financial institution may authenticate the consumer by decrypting the digital signature with a public key.

主权项

1. A method for authenticating an electronic transaction between a consumer and a merchant, wherein the method occurs at a consumer's computer and comprises:
enrolling a debit card for digital signature authentication at a financial institution; initiating a transaction between the consumer and the merchant over the Internet; selecting a payment scheme that includes payment using the debit card; receiving a request for a digital signature from the merchant, wherein the request includes transaction information; receiving an authentication scheme from the merchant; accessing the authentication scheme; gaining access to a private key as determined by the authentication scheme; creating a digital signature by encrypting the transaction information with the private key; and sending the digital signature to the merchant.