Method of providing assured transactions by watermarked file display verification

摘要

Electronic transactions employing prior art approaches of digital certificates and authentification are subject to attacks resulting in fraudulent transactions and abuse of identity information. Disclosed is a method of improving electronic security by establishing a secure trusted path between a user and an institution seeking an electronic signature to verify a transaction before any request for signature and completing electronic transaction activities occurs. The secure trusted path providing the user with a predetermined portion of the request from the institution for a signature upon a personalized device that cannot be intercepted or manipulated by malware to verify that the request as displayed upon the user's primary computing device is valid.

主权项

1. A computer server system for providing assured transactions, the system comprising:
a server device comprising:
a memory store storing a plurality of watermarks, the watermarks being unrelated to any specific transaction; andone or more processors; one or more non-transitory computer readable media storing computer executable instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
establishing, by the server device, a first communication path between a first user device and the server device via a network,receiving, by the server device, from the first user device via the network transaction data relating to a transaction for a known user,selecting, by the server device, a watermark from the memory store storing the plurality of watermarks, wherein the watermarks are unrelated to any specific transaction,including, by the server device, the selected watermark in first verification data comprising first data for verification and relating to the transaction and watermark data relating to the watermark for preventing tampering with the first data,transmitting, by the server device, to the first user device the first verification data via the first communication path,establishing, by the server device, a second communication path between a second user device and the server device via a network, the second user device associated with the known user, andtransmitting, by the server device, to the second user device second verification data providing an indication of the selected watermark via the second communication path, wherein the second verification data comprises an index,wherein a processor of the second user device is configured for:
retrieving indication data of the selected watermark from a memory storing a plurality of indication data of watermarks based on the index, andproviding to the user the indication data; andreceiving, by the server device, transaction verification data from the first user device; and a transmitter configured for transmitting the first verification data to the first user device and for transmitting the second verification data to the second user device.