The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 25, 2005
Filed:
Apr. 15, 1999
Michael Merman, Santa Monica, CA (US);
Yosif Smushkovich, Santa Monica, CA (US);
Michael Merman, Santa Monica, CA (US);
Yosif Smushkovich, Santa Monica, CA (US);
Citicorp Development Center, Inc., Los Angeles, CA (US);
Abstract
A system and method for verifying the identification of a user and securely establishing an encryption key for a communication between the user and a verifying entity, such as a bank, which makes use of the numeric value of the user's personal identification number (PIN) known only to the user and the bank and resolves the man-in-the-middle problem. The system and method replaces a public parameter with the customer's PIN to provide an encryption mechanism that is less complex than existing protocols. Use of the protocol enables new products and improvement of existing products using a service access device and service access device interface, including, for example, self-service terminals.