Larry A Nepomuceno

US Patent:

20070073621, Mar 29, 2007

Filed:

Nov 22, 2006

Appl. No.:

11/603755

Inventors:

Charles Dulin - Montclair NJ, US
David Solo - New York NY, US
Mack Hicks - San Francisco CA, US
Larry Nepomuceno - Pleasant Hill CA, US
Mark Stirland - Ipswich, GB

International Classification:

G06Q 99/00

US Classification:

705050000

Abstract:

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.

US Patent:

20020029200, Mar 7, 2002

Filed:

Sep 10, 2001

Appl. No.:

09/950440

Inventors:

Charles Dulin - Montclair NJ, US
David Solo - New York NY, US
Mack Hicks - San Francisco CA, US
Larry Nepomuceno - Pleasant Hill CA, US
Mark Stirland - Ipswich, GB

International Classification:

G06F017/60

US Classification:

705/067000

Abstract:

A system and method for facilitating electronic commerce by securely providing certificate-related and other services including certificate validation and warranty is disclosed. 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 buyer 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.

US Patent:

20150278808, Oct 1, 2015

Filed:

Aug 25, 2014

Appl. No.:

14/467926

Inventors:

- San Francisco CA, US
David Solo - New York NY, US
Mack Hicks - San Francisco CA, US
Larry Nepomuceno - Pleasant HIll CA, US
Mark Stirland - Ipswich, GB

International Classification:

G06Q 20/38
H04L 29/06

Abstract:

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.