CN101563704A - Methods and systems for identity authentication - Google Patents

Abstract

The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liabilityfor risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transac tions.

Description

The method and system of authentication

The cross reference of related application

The application requires the rights and interests of No. the 60/733rd, 982, the U.S. Provisional Application submitted on November 3rd, 2005.

Technical field

The present invention relates to be used to carry out such as the transaction of payment deposit or be used to obtain the visit of restricted information is carried out authentication and be need not the computer system and method for safety or encryption device.

Background technology

In current fast-developing dependence PC World, people buy, pay, deposit and other financial transaction and the simple motion that need not to exchange traditional money, check even credit or debit card is passed sales counter.Many transaction that present people carry out are finished via phone or internet.In order to implement this transaction, people must submit unique identifier to so that their preferred means of payment are accepted and activate.This identifier comprises people's name, address, credit card number, CVS number, and often comprises PIN or such as " secrets of sharing " such as the names of antenuptial surname of mother or house pet.Identifier can promptly be dispersed between a plurality of credit card companies database, health care database, mortgage company's database and the online merchants' database.These identifiers can be via the part transmission of wireless network or internet, and this can make its risk that is replicated in transmission.These identifiers can be by catching to the spyware of the keystroke on thief's sending computer in any corner, the world of hiding.

In the relation of client and bank, health care supplier, insurance company, businessman or credit card company, need the situation of its visit Account History much.This may be for payment to be disagreed, to pay in order proving, in order to verify order, or for only being in order to check account balance.In order to obtain the visit to its record, people must provide its unique identifier information to confirm its identity.In the situation of specific health care, the addressable health care supplier's of doctor that authorizes of people the database that relates to its health care record only.

Be accompanied by numerous registration in person and online registration to each utility company, online merchants and bank and health care supplier, it has been customary means that people use identical password, PIN and " secret of sharing ", so that can remember what provide when need the access particular data storehouse some day.It is the appearance of identity theft crime that this identifier that the individual is unique is dispersed in the unwillingly secondary product that brings numerous position like this.In case trust the more weak link fracture of chain, the fraudster can usurp identity and guide undelegated fund to flow.

Rely on the employed means of payment, possible a few days, several weeks even several months can not found these unlawful activities.In theory, not existing the true owner to this unique identifier to remind its visit information just to be sought, is exactly this owner because supposed to obtain the people of the visit of this information.Harm economically is not unique a kind of harm that the fraudster causes.For example, the unauthorized access to health records may hinder the work of being hired by, cancellation insurance slip or the mobile freedom of restriction.

Therefore, this area needs a kind of simply and easily system and method that is used to confirm other people's identity and need not safety or encryption device.This area also need be notified to people when its identity authenticates, and notifies people by purpose whose authentication and authentication.Need in depth to confirm to relate to the identity that restricted records is visited, restricted records is the digital signature such as the registration unit of the unique identifier of having stored this people.The correctness that bank and healthcare facility need obtain information is the confirmation of being protected by the responsibility contract.Individual demand can know and ratify to relate to the transaction of its privacy of identities aspect.

The user considers that the needs that need to solve are:

Is How could I identified safely on the internet?

Who is willing to mean me to third party guarantees?

When the information that should not be taken in me is sought to my notice and the purpose of being sought and seeking by whom to my notice?

I how to have known the information leakage relevant with me what, reveal and how knowing of they is covered or hidden by what entity.

Right of privacy management is new industry.Have a large amount of identity registrations now, and identifier can be related between these registrations.They when these related generations, need make the information flow direction client, so that can ratify to use its privacy identifier.

This area this need to extend but is not limited to specific interest group, is the element of essence to the visit of information or to the approval that relates to the transaction that finance or information assets shift wherein.This is the interactional key component between each user, client, enterprise, agency, supvr and/or other interests aspect.These interactions can comprise confirmation and authentication such as following example:

Approval is in order to check the visit of purpose to finance, health care, subscription, individual or out of Memory;

Be identified for transporting and receiving the state that relates to identity of actual object;

Be identified for the proper states of the transmission of the token of digital product and access right;

Be used to check qualification with printed tickets, predetermined, aviation boarding card or other electronic document;

Be used for hiding or the fuzzy but real people of part has sent the material that is used to publish or to such as the editor of networked knowledge bases such as Wikipedia the time, to determining of the authenticity in source when identity.

Finally, there is a need in the art between the public and Private Parts of the potential information of being shared and be in harmonious proportion.Particularly, need to guarantee to visit and conclude the business and safeguard the identifier of privacy and protection information simultaneously.This comprises and is suitable for public disclosed identifier, be used for direct use (" unidirectional " the public payment address that for example is called as related credit accounts LCA, or be used for indirect use (for example only for being used to start the identifier of verification process fully) and the payment address with similar characteristic of unidirectional of other type).Also comprise the health care identifier that is used to visit individual personal healthcare information (PHI), and the identifier and the relationship trading that relate to other interest group.

Summary of the invention

The objective of the invention is for individual and mechanism provide approach simply easily, come the identity of transaction is authenticated with reception payment and credit, or on identity is authenticated with the visit of acquisition to restricted information.

Another object of the present invention is to set up system, and described system accepts certified identity and need not safety or encryption device.

Another object of the present invention is to utilize the particular type of identity to carry out financial transaction or access restriction information in conjunction with various accounts.

Another object of the present invention is to utilize the particular type of identity to carry out financial transaction or access restriction information in conjunction with various systems or network.

Another object of the present invention is to use the particular type of identity in conjunction with financial sector and network.

Above-mentioned and other purposes of the present invention will become obvious in the following description.

Identity and transaction that the present invention realizes are applicable to bank, customer payment address, and payment and reception payment; Be applicable to the health care supplier, individual's health care identifier, and to the visit of health care information record; And other interest groups, its identity/authentication supplier separately, subscriber identifier, and about its transaction of group separately.The present invention preferably include use the ENUM technology with in telephone number and the public system (for example DNS) or the identifier separately (for example specific payment address) in the dedicated system related.

In one aspect, the present invention includes authentication office, be used as the registration table of identifier column in catalogue with open and limiting access.This registration table is called " Greenlist " easily at this.It is designed to make the third party be used for verifying and carries out financial transaction or obtains identity to the visit of restricted information.The third party is with the starter of transacting business.When a side was not its identity of claiming, these entities were born the risk of certain negative results.A unique features of Greenlist registration table (or identifier catalogue) is that it can be trusted fully by risk exposure side.This trust can be set up by determinacy.The responsibility of risk can be transferred to the registration office of the information that comprises in the registration table.The transfer of responsibility can reduce the risk taking cost in large quantities.The third party is responsible for determining to claim that someone or certain entity for through the authorized party are not the jactitators that the third party can provide the service of new grade for multiple transaction under cheaper cost now.

Trust among the Greenlist is available by responsibility with prevent to swindle contracted digital signature and come " construction ".By authorizing its bank with as the registration office and in the extension of ENUM, promptly in the domain name system of internet, use the internet standard method of telephone number, record access information is provided, various entity definables are also created their interest group.Telephone number mapping (TElephoneNUmber Mapping, ENUM or Enum) is to utilize indirect querying method that phone number system is E.164 unified with internet addressing system DNS, to obtain one group of agreement of NAPTR record.This recording storage is in the DNS database.

In the VoIP environment, (carry out call) via the internet, ENUM uses in such a way: if the E.164 number of the calling party on PSTN network or the internet by the callee identifies callee ENUM number, this E.164 number will be translated as corresponding URI at ENUM gateway.This E.164 number will be used to inquire about and extract the NAPTR record that obtains URI, this URI indicates how this calling transmits or the callee's that stops instruction.Registrant (callee) " NAPTR record " of definition in RFC 2915 (replacing) by RFC 3403 promptly " name mechanism's pointer resource record (Naming Authority PointerResource Records) " with and the URI that comprises in stipulated for example e-mail address, fax number, personal website, the VoIP number, Mobile Directory Number, voice-mail system, the IP phone address, webpage, gps coordinate is called out shunting or instant message.

The ENUM technology is just used in the scope of public or private environment.The record that is stored among the DNS can be visited via common query.The record that utilizes DNS and ENUM technology to be stored in the private database has controlled access.VoIP is an example of supporting the application of ENUM, wherein uses to utilize ENUM for certain business telephone number is mapped to URI, and this application can then use this business to carry out its business.

ENUM makes ENUM more valuable as public resource as the use of directory service structure.As what describe in No. the 10/786th, 023, the U.S. Patent application submitted on February 26th, 2004, authentication office, Greenlist can directly be visited to obtain common identity information, for example public payment address.The present invention includes improvement to " public getting " aspect of discussing in No. the 10/786th, 023, the U.S. Patent application.Greenlist provides paying party (or its other party) addressable webpage for each user.Via digital certificate or other discrimination methods, the different paying parties and the risk exposure starter that can allow to conclude the business are checked different information (for example, the insurance provider can visit social security number).And Greenlist operation side guarantees that beneficiary is that the payment address that its identity of claiming and beneficiary are stipulated is true.

Greenlist is as the virtual secure safe deposit box, wherein can store and extract identity information and need not data and replenish.Extraction can be undertaken by simple data base querying convention.Need be confirmed to be true and by shift risk bearer's the information of registration office's entity guarantee of responsibility of hope, draw in the extraneous processing procedure that can from the U.S. Patent Application Publication No. of submitting to as on August 6th, 2,005 2005/0259658, describe, also can not draw from it.Because identity information only can by be responsible for its accurately and timely initial storage mechanism remove or revise, thereby full detail can be trusted for true.

Some identity informations only can be only extracted by the member of interest group.When bank carries out the mobile authentication step, with the side of having of reminding paying party and record beneficiary in the mode of the preference of when registration regulation (for example email, fax, speech message, or instant message).Different interest groups can use Greenlist to start certified visit or certified transaction, for example in order to authorize digital right, and in order to receive goods, or in order to print for example document such as bill or boarding card.

On the one hand, the present invention includes the system that the paying party in the EFT (Electronic Funds Transfer) and beneficiary are authenticated, described system comprises: banking computer, described banking computer is connected to the computing machine and the catalogue computing machine of paying party via computer network, and described paying party has at least one account and obtained authentication for described banking computer in described bank; Wherein, described catalogue computing machine is applicable to first database of safeguarding certified registrant's information, described registrant's information comprises the certified information of the described beneficiary that at least one the related credit accounts to described beneficiary identifies, described catalogue computing machine also is applicable to via described computer network periodically provides the part of described first database to described banking computer, and the described part of described first database comprises the described certified information of described beneficiary; Wherein, described banking computer is applicable to safeguards second database, described second database comprises the described partial data from described first database, and described second database also comprises the registrant's of the described part that is used for described first database ENUM data; And wherein, described banking computer is applicable to from the described paying party computing machine that identifies described beneficiary and receives ENUM information and payment information, utilize the described part of described first database will arrive the described related credit accounts of described beneficiary, and send geld to the related credit accounts of described beneficiary from least one account of described paying party to the described information mapping that described beneficiary identifies.

On the other hand, the present invention includes the method that the paying party in the financial transaction is authenticated, described method comprises: (a) receive the information that comprises related credit accounts information and telephone number information via computer network from the authentic beneficiary that has account in Bank One Corp.; (b) via the computing machine of described Bank One Corp. that the described related credit accounts information of described beneficiary is related with URN with telephone number information; (c) with the communication of the computing machine of secondary bank in send the information that comprises described telephone number information and described related URN to database; And (d) receive fund to described related credit accounts from the paying party account in the electronics mode.

On the other hand, the present invention includes the method that the paying party in the financial transaction and beneficiary are authenticated, described method comprises: (a) via computer network from having account in bank and authentic paying party receives the beneficiary telephone number information; (b) utilize ENUM via the computing machine that is linked to described computer network with the related credit accounts associating information of described beneficiary telephone number information with described beneficiary; (c) send the checking that described telephone number has been associated with the described related credit accounts information of described beneficiary to described paying party via described computer network; (d) receive from described paying party via described computer network and authorize, with from described paying party account to described related credit accounts money transfer; And (e) in the electronics mode from described paying party account to the described related credit accounts described fund of transferring accounts.

On the other hand, the present invention includes the method that authentication is provided, described method comprises: (a) receive certified registrant's information, described certified registrant's packets of information is drawn together registrant's telephone number and registrant's accounts information; (b) can by with the electronic databank of the computer access of computer network communication in the described registrant's accounts information of storage; (c) with described registrant's information and ENUM data association; (d) send described registrant's information to the catalogue computing machine; (e) send described related information to directory user.

In each embodiment: (1) described directory user is a bank; (2) described directory user is a healthcare facility; (3) described registrant's accounts information comprises related credit accounts; (4) described related information comprises personal healthcare information.

On the other hand, the present invention includes the system that transmit leg and take over party to assets transfer authenticate, described system comprises: banking computer, described banking computer is linked to the computing machine and the catalogue computing machine of transmit leg via computer network, and described transmit leg has at least one asset account and obtained authentication for described banking computer in described bank; Wherein, described catalogue computing machine is applicable to first database of safeguarding certified registrant's information, described registrant's information comprises the described take over party's that at least one interlock account to described take over party identifies certified information, described catalogue computing machine also is applicable to via described computer network periodically provides the part of described first database to described banking computer, and the described part of described first database comprises described take over party's described certified information; Wherein, described banking computer is applicable to safeguards second database, and described second database comprises the described partial data from described first database, and described second database also comprises the ENUM data of the registrant in the described part of described first database; And wherein, described banking computer is applicable to from the described transmit leg computing machine that identifies described take over party and receives ENUM information and payment information, utilize the described part of described first database to arrive described at least one interlock account of described take over party, and send assets transfer at least one interlock account of described take over party from least one account of described transmit leg to the described information mapping that described take over party identifies.

In each embodiment: (1) described bank is the licensee of described catalogue computing machine; (2) described interlock account is described take over party's the identifier that may be encoded as URN; (3) described payment information comprises the information that described take over party is identified; (4) described assets transfer is actual is the entitlement of transferring assets or transferring assets from the described take over party of described sending direction.(5) described assets are payment or financial instrument; (6) described assets are that numeral constitutes thing; (7) described assets are one or more actual object; (8) described assets are information, right or access permission.

Description of drawings

Fig. 1 is the sketch that the preferred assembly of system implementation plan of the present invention is shown;

Fig. 2 illustrates preferred master catalogue recording process;

Fig. 3 illustrates preferred master catalogue bank setting/maintenance process;

Fig. 4 illustrates preferred master catalogue record/maintenance process;

Fig. 5 illustrates preferred bank subsystem Greenlist renewal process;

Fig. 6 illustrates preferred Greenlist internet checking process;

Fig. 7 illustrates preferred main LCA account distribution/proof procedure.

Embodiment

Fig. 1 is the sketch that the preferred assembly of system implementation plan of the present invention is shown.Greenlist100 is directory group and disposal system.Greenlist maintenance data base 105.The bank 110 of registering with Greenlist can provide Greenlist to subscribe to client.Bank 110 safeguards the database 115 of himself.

Greenlist subscriber 120 can select to use the ENUM function: the Greenlist subscriber is ENUM registration family, bank and Greenlist are responsible for the ENUM registration, and subscriber's telephone number (as domain name) is input to the domain name system with the DNS 130 unified internets of representing.Replacedly, subscriber's telephone number (as domain name) can be imported (simulation system that for example is used for special-purpose ENUM) in the simulation system that may have controlled access.

Payment (or other) conclude the business and can be undertaken by transaction processing system 140.Transaction can be by starting such as initiators such as paying party, beneficiary or third party 150.Initiator 150 can be (or can not be) Greenlist subscriber, selects startup and another Greenlist subscriber's 120 transaction.

Transaction processing system 140 can be found the customizing messages that this transaction will require to introduce Greenlist subscriber 120 or require this Greenlist subscriber 120.Example can include, but is not limited to following: beneficiary can notifiedly receive payment, thus the commodity that allow transportation to buy; Can need preferred Notification Method of paying party and public payment address, so that the bank that paying party can authority to pay side pays from the non-common account of association.

Transaction processing system 140 can satisfy its information that relates to Greenlist subscriber 120 and processing requirements, via DNS 130 the ENUM inquiry is set by the telephone number that at first utilizes the subscriber, to extract this subscriber's Greenlist identity.System's 110 interactions with bank can be followed as required by system 140.In an example, bank 110 can with subscriber's 120 interactions that self are paying party, pay receive to authorize.

In case having satisfied it, transaction processing system 140 relates to Greenlist subscriber 120 information and processing requirements, wherein may introduce support ENUM, can inquire about application program such as systems such as DNS 130, this transaction processing system 140 can be finished transaction and notify to initiator's 150 return states.

When subscriber 120 usefulness Greenlist banks 110 registered, the subscriber can be assigned with one or more identifiers that relate to the transaction processing system related with particular interest group 140.These identifiers can be public or special-purpose.This class identifier can be encoded as " title " (more formally being encoded to the unified resource title).In addition, what this class identifier can be with the subscriber is telephone number associated extracting from DNS 130, or public with simulation or dedicated system is related (more formally, by the naptr resource record that utilizes as following term is partly explained).

Instantiation is the use of public payment address such as related credit accounts (LCA), and this association credit accounts can utilize telephone number to put to start with by the ENUM inquiry of DNS and retrieve, and causes the payment transaction of being assisted by Greenlist 100 and bank 110.

In one aspect, the present invention includes the element and the function that can be grouped into three conceptual levels.Skin, promptly transaction/client's layer is the most approaching/client's.The middle layer, promptly register layer makes client become the notion part in the infrastructure.Innermost layer, promptly the ENUM/Greenlist layer is the conceptual foundation facility of system of the present invention.

I. transaction/client's layer (businessman's layer and medium-sized and small enterprises-SMB layer)

For financial transaction, this skin is included in user's the embodiment of bank, seeks to find attested payment address so that money can be to send than the more effective mode of existing payment model between bank.This finishes by inquiry Greenlist.

In one embodiment, the user does not need to know the catalogue of having inquired about any support ENUM, because this is to finish by the bank as the user who acts on behalf of.The user only experiences the online bank door of its bank, and this online bank door may have drop-down label, and drop-down label provides search option to find its friend's payment address to it.The full content that the user knows or is concerned about is the trusting relationship with its Private Banking.Provide research tool and result's This move to hint out that the payment address confirms to have finished and reached the requirement of bank.Before its bank of customer requirement is registered in identity office with it, had this trusting relationship between client and its Private Banking.

The user can be via Greenlist network gateway registration mobile authentication feature.

The mobile authentication feature comprises:

A) these features can be the existing bank account activation of user;

B) when the user keeps its true Bank Account Number in another bank, these features can be it and act on behalf of the activation of Greenlist bank account; And

C) except activating strong mobile authentication feature, these features also can stipulate independently only to be used to the payment address that receives.

After user's registration is finished, claim that it will be by (or by) " registration " in Greenlist.It " is added Greenlist (Greenlisted) ".

II. registration/bank's layer (banker's clearing house (clearinghouse) layer and health care clearing house layer)

This layer is a plurality of link generation parts.It is user's registration, registration, accommodating layer.This layer distributes the Greenlist account number for the user who registers in Greenlist, so that it can then carry out the E-Payment of mobile authentication.This layer also has the function of ENMU Register, or representative of consumer use user's existing ENMU Register, so that user's Greenlist register information to be provided to user's ENUM territory (the ENUM level II supplier who describes below by the user safeguards) subsequently.

When bank wished that its client can receive E-Payment from other people who has also registered who carries out business in other bank other Greenlist payment system, bank can be its client (registration family) and takes this additional step.Its " load " of providing in user's ENUM territory can be provided digitally in Greenlist bank.

The user be not ENUM with its telephone number registration scenarios under, but bank's representative of consumer is as the ENUM Register, or as the agency of the existing ENUM Register of having of user.This process is registered to user's telephone number in " ENUM ", and is the ENUM territory opening relationships user, that will be safeguarded by ENUM level II supplier.In case finish, user's Greenlist " load " information can be provided in the ENUM territory this user, that safeguard by user's ENUM level II supplier as the ENUM Register or via the Greenlist bank of ENUM Register.

The III.ENUM/Greenlist layer

This provides the conceptual level of information basic structure.This layer comprises the ENUM territory by user's ENUM level II supplier maintenance, and according to the standard management by ENUM CC1 LLC authentication.This layer also can be described as Greenlist root layer, because it comprises the Greenlist that is safeguarded by Greenlist bank.

Term

The use-pattern of this partial interpretation particular words of the present invention.

ENUMBe Electronic Numbering (E1ectronic NUMbering), i.e. the IETF agreement of describing among the RFC 3761.

The ENUM subscriberBe the assignee of number E.164, this assignee agree to register this E.164 number be used for inserting and being used as the domain name of internet DNS, and this assignee ask subsequently to comprise with this E.164 the specific DNS resource record of the related data of number insert its ENUM territory.These data are made up of unified resource identifier (URI), and for example network address, and each this type of URI is contained in the pointer DNS of name mechanism (NAPTR) resource record of himself.These NAPTR insert subscriber's ENUM territory just, and subscriber's ENUM level II supplier safeguards and operation subscriber's ENUM territory just.The ENUM subscriber has control fully for providing with content of the naptr resource record in the ENUM territory of number E.164.

ENUM userBe to inquire about the E.164 individual or the entity of number, usually use application software client or the ENUM client of supporting ENUM, with retrieval and this related DNS resource record of number E.164 to DNS.ENUM user will only know this application software usually and not know the use of application software to ENUM.

The ENUM registration officeCan carry out many operations, but user's telephone number must be registered in name server/business (DNS) at least.In this article, ENUM subscriber's ENUM Register will be regarded as the main communication center between this ENUM subscriber and the DNS, and represent the ENUM subscriber to operate be responsible for to handle and coordinate and set up the ENUM territory, also will insert process in this territory with this telephone number associated DNS resource record for the ENUM registration telephone number, for this telephone number.

The ENUM registrantBe the telephone number assignee, the ENUM subscriber.

ENMU level II supplierIt is the entity that moves the ENUM territory for the ENUM subscriber in the internet DNS.ENUM level II supplier is responsible for safeguarding ENUM subscriber's DNS resource record.

E.164 numberIt is the telephone number that comprises telephone country code E.164 and can on public telephone network, dial." E.164 " be meant the ITU-T suggestion E.164, " plan of international public telecommunication number ".In this article, " telephone number " can be thought and be meant E.164 number, and E.164 number is the telephone number that is used for ENUM.

URI, or the unified resource identifier is described in RFC 3986.URI identifies the resource on the internet.There are two class URI.More common is URL, i.e. URL(uniform resource locator), and it identifies business and position on the internet, for example, Http:// www.paymentpathways.comAnother kind of is as title, URN, i.e. unified resource title.ENUM protocol allows the ENUM subscriber that ENUM subscriber's telephone number is related with URI, so that terminal temperature difference obtains from DNS.Usually, this type of URI can be used for providing specific can on business card, find relate to professional contact details, comprise e-mail address, webpage and be used for the sip address that voip phone is called out.URN has been used for the range of application of other type, comprise by the ISBN (International Standard Book Number) of in public system, encoding (ISBN) identification publication, and be used for financial telecommunications (SWIFT) geocoding transmission financal messaging between dedicated system is passed through the World Bank.

The ENUM businessBe the protocol elements in the ENUM protocol, described the business that to use URI based on the internet.

NAPTRIt is the pointer DNS of the name mechanism resource record of in a plurality of RFC, describing.ENUM uses the NAPTR record.Each NAPTR record is by the ENUM domain name sign of telephone number.Each NAPTR record follows its ENUM business to comprise a URI.

ASPBe the applied business supplier, be responsible for relating to ENUM subscriber's specific URI generally.For example, the ENUM subscriber may have the homepage of being safeguarded by specific ASP on network.The URI of this webpage (in other words, the http address of this page) can be input among the NAPTR in ENUM subscriber's the ENUM territory.Then as a result of, the address that ENUM user can inquire about subscriber's telephone number and fetch subscriber's homepage.

GreenlistBe authentication described herein office, support the third party to carry out financial transaction or for obtaining visit identity verification to limited information.There is the enrollment process that is used for identity is imported Greenlist.

The Greenlist registration officeBe responsible for safeguarding the Greenlist database and safeguard suitable relation with the following:

1) ENUM registration family: the agency, the telephone number that Greenlist is registered the people is registered into ENUM;

2) ENUM level II supplier: the agency, management Greenlist is registered people's ENUM territory, and ENUM inserted in registrant's NAPTR record;

3) GreenList enroller ASP: the agency, distribute the GreenList payment address that is registered the people, and create the content of NAPTR; And

4) GreenList ENUM agency: the agency has contract (responsibility) relation with the GreenList enroller.The purpose of this relation provides the content of NAPTR, and promptly " signature " public payment address (following bank account) is to the ENUM territory that is registered the people, so that this public payment address can be had the people's visit to the ENUM access right.Public payment address that digital " signature " just starts from bank be guarantee real trust by the ENUM of " signature " suitably be recorded as very.

The Greenlist enrollment processBe to have the process that the entity that is input to the identity among this Greenlist carries out by a selection.

The Greenlist registration processIt is the process of being undertaken by with the ENUM registration family among its number input ENUM.

The ENUM query scriptBe that the DNS that utilizes ENUM protocol to send telephone number inquires about,, then as a result of receive and this telephone number associated naptr resource record if exist.

The trade identity authentication processBe the process of identity verification, utilize ENUM retrieval to relate to the public Greenlist information of telephone number, then visit special-purpose Greenlist, with to authentication.

Related credit accountsIt can be the bank account that is designed to filter great majority or whole debit ACH instructions.Related credit accounts is associated with normal checking account, and the owner can will be referred to fund and " be swept " frequency of going into its traditional bank account and indicate its bank, its traditional bank account can be positioned at the identical mechanism with LCA, also can not be positioned at LCA identical mechanism.When Greenlist was used to resolve definite public identifier with the public payment address of positioning security, Greenlist played and only allows the function of fund with unidirectional mobile door, creates unidirectional account thus.Nobody can take out fund from related credit accounts except the client.Any account with the system that supports debit and credit can be filled into to a certain degree only several entities through approval and can its debit be made amendment so that it is reduced by it being treated to can not or be treated to by debit.This is meant by the direction that may flow to fund and adds the related credit accounts protective seam that has similar characteristic of unidirectional in fact, even the phone account also can become support reception credit (fund) safely.

The Greenlist licenseeBe also referred to as at this Greenlist member bank

Master catalogue

The notion and the work of master catalogue is described in this part, and description comprises:

Process prescription and

Data, editor and inquiry.

After related credit accounts and related message transmission is Greenlist master catalogue (" GMD ").Greenlist is the account-holder's who stops debit of whole in the world related credit accounts and the registration of other bank an authoritative address book (for example, UPIC, IBAN, UID etc.).Except have himself for being used to receive LCA or the UPIC number of the account that transfer of financial resources is listed, the GMD supplier can or be positioned at the LCA of EPN and/or the attached bank of non-EPN etc. carries out transfer of financial resources to EPN UPIC, UID number of the account destination.To related credit trade company whole identic is that the bank (or suitable authorized agency of bank) of requirement FDIC insurance must be to sending Greenlist ID # at least from the main Greenlist catalogue of internet access.Because related credit number of the account and UPIC only are credit savings, number of the account can be safely public open.The Greenlist master catalogue is the method for optimizing that discloses this information.

The feature of master catalogue comprises:

Beneficiary (folk prescription of making out a bill) account public disclosed and can be from the master catalogue of internet access;

Be configured in function on the network with independent community or to have inline linking at the pointer of the family expenses bank door software of bank;

Network enabled and the based on network search technique of utilizing standard (for example, the Google) user interface of the retrieval member of bank data is provided;

The GMD supplier is unique open person who is authorized to of the LCA number of the account of evaluation;

Comprise the beneficiary payment and receive the answer notification preference information;

Master catalogue is designed to the whole local Greenlist of independent bank drectory facilities synchronous;

Except providing the storehouse, provide the storehouse to the UPIC Customer Information to the LCA accounts information;

Keep high safety relating in the opposite way round/interception that prevents data change and fund;

Provide the storehouse to TripleDES key pair information from authority's TripleDES root server source (TBD).

The master catalogue process prescription

The process (referring to Fig. 2) that relates to master catalogue is described in this part, that is:

In the Greenlist bank main body of authorizing, set up new bank member record (see figure 3).

Revise the bank's member record (see figure 3) in the authorized Greenlist bank main body.

Make the invalid (see figure 3) of bank's member record in the authorized Greenlist bank main body.

Provide the update mechanism (see figure 4) to the Greenlist master catalogue.

Provide every night more new material to member bank's directory subsystem/provide every night more new material (see figure 5) from member bank's directory subsystem.

Web search function (see figure 6) to this Greenlist master catalogue is provided.

Licensed member bank in authorized Greenlist bank main body distributes effective LCA account scope (see figure 7).

These process prescriptions provide about setting up and use the details of the function aspects of Greenlist.These descriptions comprise input, handle output, appurtenant (dependency), and data.

The foundation of the new bank member record in authorizing Greenlist bank main body

This process relates to shown in Figure 3 preferred master catalogue bank foundation/maintenance process 200.

A) input

1. displayed entries input screen

It authorizes id and password a.Greenlist system manager 280 input, with to Greenlist system input information.

B. select interpolation/modification/invalid operation code.

C. import the registration contract agreement 310 of data source from the bank between Greenlist and the financial institution.Insert the data elements fields (stating as follows) of bank's document data base with the contractual information of registration.

D. the contract of registering also comprises the sign of the piece 325 of related credit accounts (LCA) number that each bank and Greenlist register.

B) handle

1. verify the Greenlist user id of input with the authorization criteria in the security certificate file 245, so that bank's data is carried out interpolation/modification/delete function.

2. be whole bank's document data base data element 200 video data input screens.

3. input screen must comprise having particular data field (for example, EPN; CHIPS; The mark of SWIFT (if can use)) combobox of effective value.

4. check and whether imported the field and the form that require.

5. examine each entry field 225.

6. be that financial institution's 240 checking GreenlistID numbers of the account are significant number from main Greenlist ID account file; Or

7. checking " LCA number " is effectively to pay network (EPN) UPIC account #265 by mails, or

8. verify the routing number 255 of bank to the ABA routing number.

9. examine the structure of address, city/state/postcode combination 260.

10. verify e-mail address sentence structure.

C) output

1. put up clauses and subclauses at the Greenlist bank main body file 240 of authorizing.

2. print the clauses and subclauses in the new bank audit maintenance log 270.

3. on the clauses and subclauses screen, put up and finish message.

D) system's appurtenant

1. the security system of bank's approval must put in place.

E) data

1. data core actual source:

A.ABA route # edits and examines file 255.

B. the state code is examined table 260.

C. postcode is examined table 260.

D.CHIPS and SWIFT examine file (if can use).

E.EPN UPIC main account # (if can use) 265 of tabulating.

2. the data of inserting/safeguarding

A. authorized Greenlist bank master file 240.

Revise the interior bank's member record of authorized Greenlist bank's main body

This process relates to shown in Figure 3 preferred master catalogue bank foundation/maintenance process 200.

A) input

1.Greenlist keeper's input operation code (interpolation/modification/deletion) and the bank's (ID numbers of the distribution of ABA route # or financial institution) that will revise.

2.Greenlist the keeper revises bank's data element.

B) handle

1. according to the correct bank of ABA route # identification.

2. show the bank's data element that to revise.

3. reformed any element is carried out and examined.

C) output

1. clauses and subclauses are posted in the Greenlist bank master data base of mandate.

2. on the clauses and subclauses screen, put up and finish message.

3. print the clauses and subclauses in the new bank audit maintenance log.

D) system's appurtenant

1. security system.

E) data

1. data core actual source

A. register identical with bank.

2. the data of inserting/safeguarding

A. authorized Greenlist bank master data base.

Make the bank's member record in the authorized Greenlist bank main body invalid

This process relates to shown in Figure 3 preferred master catalogue bank foundation/maintenance process 200.

A) input

1.Greenlist keeper's input operation code (interpolation/modification/deletion) and will make it invalid bank's (ID numbers of the distribution of ABA route # or financial institution).

2.Greenlist the keeper confirms invalidation request.

B) handle

1. according to the correct bank of ABA route # identification.

2. show that bank's data element is to verify the position of the correct bank that will make it invalid.

3. " confirm that these bank's clauses and subclauses will be disabled " to user prompt.

4. record is carried out mark to prevent that the bank that just is being disabled is used in transaction in the future.

C) output

1. put up status indication to authorized Greenlist bank master file.

2. put up at the clauses and subclauses screen and finish message.

3. put up the clauses and subclauses activity in bank's trial meter daily record.

D) system's appurtenant

1. security system

E) data

1. data core actual source

A. do not have

2. the data of inserting/safeguarding

A.Greenlist bank master data base.

Provide update mechanism to the Greenlist master catalogue

This process relates to preferred master catalogue registration/maintenance process 230 shown in Figure 4.

A) input

1. bank customer business agent's input screen is used for the artificial input of member's data register information of bank customer, or is used for the Home Banking door 280 input register informations of bank customer oneself via bank.Client inserts record with suitable information, and this record is then verified and is distributed in its Greenlist remote directory by bank.

2.Greenlist bank's verification process must verify that the transaction header is the authorized member in the authorized Greenlist bank main body 240.

3.Greenlist must being configured to, register system has the function of accepting to be used for a large amount of document with fixed format materials of registering.System should insert master catalogue account data information with member's transaction.Update all must receive via the Greenlist member bank that examines.

A. the input record must be a set form.

B. the input record is with the status indication field that comprises interpolation, revises or delete.

4. shield

A. must be provided for the input screen of whole account document data base data elements.

B. if possible, input screen must comprise having the combobox that particular data field (for example, state, the mark of notice preference etc.) effectively is worth.

B) handle

To the visiting demand safety inspection of screen verifying individual's id, the Greenlist system manager's of bank password has suitable safe class (to be added to allow it that data information of its client is carried out to safeguard; Revise; Deletion).

2. the recording status field identification goes out whether this transaction is interpolation, modification or deletion record.

3. edit/examine 225

A. verify that the Greenlist number is from the effective number that distributes (permission) to the main Greenlist tabulation of this financial institution.

B. contrast the routing number of the file 255 checking banks of effective ABA routing number.

C. examine EPN LCA number and be effective UPIC from EPN active account # table 265.

D. to address structure, the e-mail address, checking inspection is carried out in city/state/postcode combination 260.

E. deleting transaction record will carry out mark to master record with delete flag, and delete date field with the renewal of system handles date.

F. revise the transaction record type and will cover current master catalogue field with the field that the New Transaction record upgrades.

C) output

1. the Greenlist master catalogue 235 of Geng Xining.

2. notify to user's demonstration with to the affirmation of success/failure record file 275.

D) appurtenant

1. process is the real-time update process and does not have slave process.

E) data

1. data core actual source

A.ABA routing table 255.

B.EPN UPIC number of the account 265.

C. the United States Post Office coded file 260.

2. the data of inserting/safeguarding

A. authorized Greenlist bank main body.

B.ABA edits and examines file.

C. the state code is examined table.

D. postcode is examined table.

E.CHIPS and SWIFT examine file (if can use).

To/provide every night more new material from member bank's directory subsystem

This process relates to preferred bank subsystem Greenlist renewal process 215 shown in Figure 5.

A) input

1. there be not (batch process every night).

B) handle

1. (or real-time) form of creating every night to the long-range local directory 295,300,305 of subclass member from Greenlist master catalogue 235 duplicates.

2.VPN will authenticate with inspection guarantee to be labeled as sub-directory more each the bank's clauses and subclauses in bank's master file of new business are the correct ABA# that point out as in the Greenlist bank master file 240.

3. system will peel off and only transmit new interpolation, modification and deletion to member bank's sub-directory.

4. safeguard that input screen will be designed to be supported in renewal VPN information in the bank subsystem renewal process.

5. will generate editor's report of the transaction of failure.

C) output

1. the specific transaction file of bank that Greenlist master catalogue file 270 increments are changed.

D) appurtenant

1. the Greenlist master catalogue of Geng Xining.

E) data

1. data core actual source

A. do not have.

2. the data of inserting/safeguarding

A.Greenlist master catalogue database.

B.Greenlist master's transaction file.

Web search function to the Greenlist master catalogue is provided

This process relates to preferred Greenlist internet checking process 220 shown in Figure 6.

A) input

1. account keeper title; Bank Name; The bank position; The ABA routing number; The address, city, state; The LCA number; Telephone number; User ID and password.

B) handle

1. if imported user ID and password, checking user ID and password.Determine safe class.

2. the input in contrast table 260 edit check state, postcode/state.

3. contrast ABA routing table 250 edit check ABA routing numbers.

4. the record of the arbitrary fields of location and demonstration and input information coupling.

C) output

1. the title that shows the whole records that mate with input value; The address; Bank's routing number; The LCA number.

D) system's appurtenant

1. do not have

E) data

1. data core actual source

A. the postcode file 260.

B.ABA route # table 255.

C. the security certificate file 245.

Licensed member bank in authorized Greenlist bank main body distributes effective LCA account scope

This process relates to preferred master catalogue LCA account distribution/verification process 340 shown in Figure 7.

A) input

1.Greenlist the system manager provides user id and password.

2. member bank's identification.

3. effectively Greenlist account piecemeal input.

4. the ABA of bank routing number.

B) handle

1. the field of inspection requirements and form.

2. the contrast safety database is examined user id and password.

3. display management homepage.

4. via input ABA# location banker's record.

5. be that distribution or release are to utilize again with effective Greenlist range flags.

6. be Greenlist range assignment " new owner " member bank.

7. upgrade assignment period (from/to) on the Greenlist master file.

8. add based on status indication or the Greenlist scope of removing members bank.

9. upgrade the input demonstration to finish notice.

C) output

1. clauses and subclauses are posted in the audit activities daily record.

D) appurtenant

1. the authorized Greenlist bank master file record of the member bank that is updated.

2.LCA master list database.

E) data

1. data core actual source

2. safety database-authentic administrator id has the right of upgrading.

3.Greenlist the Greenlist scope on the master list database is unallocated.

4. examine LCA number of the account sentence structure and check figure place.

5. checking bank is the current member of bank who is arranged in authorized Greenlist master's banking data base.

6. the data of inserting/safeguarding

7.LCA master list file.

Preferred master catalogue data, edit and search

This part is described the data that relate to master catalogue, is edited and search.Comprise:

The financial institution of preferred qualified operation Greenlist catalogue;

Bank/financial institution's registration data element;

Client's registration/data is set up;

Subsystem (transfer of payment) catalogue;

The internet of Greenlist master catalogue is searched;

The master catalogue account is searched and is examined;

The Greenlist account is distributed; And

Greenlist master catalogue safety/safeguard audit log.

The financial institution of preferred qualified operation Greenlist catalogue

A. Liquidation organization

NACHA, Cleveland Federal Reserve Bank (also being called ACH) or liquidation organization of equal value for example pay network (EPN) by mails, and the liquidation organization of industry special use, for example Affiliate Network business (via administering bank).

B. Banking institution

Any bank that registers and permit authorities' proof in American Bankers Association in U.S.'s operation by each state.

C. Non-bank financial institution (NBFI)

Be limited to the NBFI that has bank, or the NBFI that has of bank: for example, Metavante.

Be limited to the NBFI that is thought agency by bank: for example, with the jointly partnership of the Zenith infosystem of bank.

Bank/financial institution's registration data element

Bank's data element in each banker's record preferably includes following element:

Bank (branch) title ^*

The bank address ^*

The main telephone number of bank ^*

Bank state ^*

Password ^*

9 routes of ABA/transmission number ^*

Greenlist master/catalogue number of the account ^*

The father of bank entity master catalogue number of the account ^*

Main and the interchangeable keeper's contact name of bank's master catalogue ^*

Bank master catalogue keeper contact address ^*

The master catalogue keeper of bank contact telephone number ^*

Bank master catalogue keeper e-mail address (if being suitable for)

Bank management person's security certificate rank ^*

The number of the account scope that the Greenlist of bank sends

Client ACH of bank supports number

The CHIPS of bank number (if being suitable for)

The CHAPS of bank number (if being suitable for)

The IBAN of bank number (if being suitable for)

Number (if being suitable for) is acted on behalf of in the federal Electronic Transfer of bank

The SWIFT of bank number (if being suitable for)

The EPN UPIC of bank number of the account (if being suitable for)

Preferred notice/the response mode of the requirement of communication means ^*

Create user id (system's generation)

Upgrade user id (system's generation)

Create system data (system's generation)

Create system timestamp (system's generation)

Update system date and time (system's generation)

The comment part

^*Essential field (must have content (non-special character))

The editor that will in the input of Greenlist master bank data logging, carry out by Greenlist:

Examine master catalogue number of the account (check numerical digit and).

Contrast effective ABA routing directory and examine the ABA routing number.

Edit check and postcode comparison phone number prefix are to obtain correct geographic position coupling.

Must at least one contact method of input bank management person.

The security certificate grade that requires must be effectively and is lower than the data system keeper's who pays the path authorization mechanism.

If can obtain, the catalogue that contrast is announced is examined IBAN; UPIC; CHAPS; CHIPS; SWIFT; ACH number.

Attention: can use EPN UPIC number of the account to substitute Greenlist LCA number.

Bank
						Database
						The LCA of bank identifier	?AN	17	Y		The LCA record identifier of bank (or branch)
The LCA of bank state	?N	2	Y		Value: " 01 " activity; " 02 " is co-pending; " 03 " non-activity; " 04 " keeps
						The federal routing number of bank	?N	9	N		Federal Reserve Bank's route/transmission of BBK number
Bank Name	?ANS	35	N
						Bank address first row	?ANS	35	N
Bank address second row	?ANS	35	N
						Bank's address the third line	?ANS	35	N
Bank's address fourth line	?ANS	35	N
						The city	?AN	32	N
State/province	?AN	32	N
						Postcode	?AN	11	N
Country	?AN	2	N		Value by ISO-3166 biliteral code definition
						The internet address of bank	?AN	50	N
Master/father LCA number of the account	?AN	17	N		The master LCA of the group identifier of bank
The main management person id of bank	?N	10	N		The keeper of the transfer of payment system of bank
						The main management person of bank safe class	?N	2	N
Keeper e-mail address	?AN	50	N
						The replacement management person id of bank	?N	10	N		The reserve keeper of the transfer of payment system of bank
The replacement management person of bank safe class	?N	2	N
						Replacement management person e-mail address	?AN	50	N
The technical relation title of bank	?AN	80	N
						Technical relation phone #	?N	11	N		Authority is the non-world
Bank replaces the technical relation title	?AN	80	N
						Bank replaces technology phone #	?N	11	N		Authority is the non-world
Technical relation e-mail address	?AN	50	N
Bank's notice preference code	?AN	1	N		Remind preference (e-mail; Fax; Phone)
						Bank's announcement information	?AN	26	N		The e-mail address; Notice or facsimile telephone number
						Support EPN	?N	1	Y		Effective value: " 0 " is not supported; " 1 " is supported
Support CHIPS	?N	1	Y		Effective value: " 0 " is not supported; " 1 " is supported

CHIPS participant's number	N		Y
						The SWIFT/BIC of bank	AN	11			The BIC code of bank
Wired payment N/A 1	AN	35	Y		CHIPS/Fedwire pays title/address 1
						Wired payment N/A 2	AN	35	Y		CHIPS/Fedwire pays title/address 2
Wired payment N/A 3	AN	35	Y		CHIPS/Fedwire pays title/address 3
						Wired payment N/A 4	AN	35	Y		CHIPS/Fedwire pays title/address 4

Table 1

Part as preferred input audit process, when successful initialization after the data logging of bank, the Greenlist system is to bank's feedback electronics answer notification (via e-mail or fax, pointed as " the acknowledge communication method of the essential notice/communication " field according to bank).To replying of bank is the affirmation that successfully starts the record that bank provides.Response message can be with following similar:

" (Bank Name) is in (date and time) successfully initialization in Greenlist master's bank file.Greenlist master's Bank Account Number of (Bank Name) is (GREENLIST of a bank ID numbers).Authorized master catalogue keeper is (XYZ keeper).Whole account management message will be given (listing e-mail or fax number).If having a question, you please get in touch (Greenlist data system keeper) (telephone number).Can in your Greenlist system, add new individual/business entity's master catalogue account now.”

Master catalogue
						Account holder/entity
Data
The LCA identifier	AN	17	Y		The related credit accounts of individual or entity stops the debit unique identifier
						The LCA state	N	2	Y		Value: " 01 " activity; " 02 " is co-pending; " 03 " non-activity; " 04 " keeps
The UPIC identifier	AN	17	Y		The unified payment of EPN authentication code
						The UPIC state	N	2	Y		Value: " 01 " activity/open; " 02 " is co-pending; " 03 " is closed
LCA date of expiration	D	8	N		LCA becomes movable date of expiration (YYYYMMDD)
						UPIC date of expiration	D	8	N		UPIC becomes movable date of expiration (YYYYMMDD)
Master/father LCA number of the account	AN	17	N		The father of group merges accumulation number of the account (if being suitable for)
The R/T# of bank	N	9	Y		Federal Reserve Bank's route/transmission the # that is used for client bank
						Account holder DDA account #	AN	34	N	Y	DDA# (if support EPN, maximal value is 17).The value that residue confirms/zero input
Taxpayer ID# or FTIN#	AN	12	N	Y	Federal tax identification number

Account holder's title	AN	80	Y		Account holder individual or entity title
						Entity branch title	AN	80	Y		Enterprise branch title (if being suitable for)
The entity short name	AN	16	N		Account holder's short name
						Address 1	AN	64	Y		First address line
Address second row	AN	64	Y		Second address line of address
						Address the third line	AN	64	Y		The three-address row
The address fourth line	AN	64	Y		Four-address row
						The city	AN	32	Y
State/province	AN	32	Y
						Postcode	AN	11	Y
Country	AN	2	Y		Value by ISO-3166 biliteral code definition
						Account holder/business entity's telephone number	N	11	N		Authority is defined as the non-world
Account holder's Mobile Directory Number	N	11	N	Y	Authority is defined as the non-world
						Account holder's facsimile telephone number	N	11	N	Y	Authority is defined as the non-world
						The technical relation people title of entity	AN	80	N	Y
Technical relation people phone #	N	11	N	Y
						The technology of entity is replaced contact name	AN	80	N	Y
Technology is replaced contact phone #	N	11	N	Y
Account holder e-mail address	AN	50	N	Y
						The account holder notifies the preference code	AN	1	N	Y	Notice preference (" 00 " does not have, " 1 " e-mail, " 2 " fax, " 3 " phone)
Account holder's announcement information	AN	26	N	Y	The E-mail address; Notice or facsimile telephone number
						The accounting software bag	N	2	N	Y	Account holder's A/P and A/R software package
The accounting software update mark	N	1	N	Y	" 0 " denys, and " 1 " is
The SIC enterprise code	N	4	Y		The standard industry Sort Code
						DUNS?Id	N	10	Y		D﹠B D-U-N-S number
Thomas registers #	N	10	Y		Thomas global registration company identifier
The person's of entering an item of expenditure in the accounts payment network preference	N	1	Y		" 0 " ACH, " 1 " SWIFT; " 3 " Fedwire; " 4 " CHIPS; " 5 " other
						The BIC code	AN	11	N		SWIFT BIC code
The BEI code	AN	11	N		SWIFT business entity identifier
						The IBAN code	N	34	N		The International Banks number of the account

Table 2

Client's registration/data is set up:

The real process of setting up new LCA account starts from the bank of beneficiary.This bank can send the sales promotion form and propagate this new Greenlist product to its whole existing client collective, or comprises the option of New Account.The Greenlist account holder can ask to be listed on the Greenlist master catalogue that can visit on the internet.This sets up also can (for example, health care clinic/dentist registers platform by the extension customer service function on of bank; Office of school control; TCA/trade union; Company's payroll or stockholder concern department; Company can receive account department, insurance company; Credit card company etc.).That this optimum system choosing ground adapts to is potential, from a large amount of batch processings inputs of the line-up of delegates bank of member's account of the tissue of these types or entity.Yet, in each of request that these " representatives " start, still require the correspondent bank of each individual/business entity or financial institution must have or pay bank's data number of the account of setting up in advance of setting up on the UPIC catalogue of network by mails at Greenlist master catalogue, FED-ACH.

Register system is preferably based on the Accreditation System of browser.Input point is one of the following preferably: (1) is connected to client's user interface of the online Home Banking portal of bank; (2) the bank's website booth in the bank; Or (3) are via the on-site terminal that is positioned at the bank customer information desk (workstation).Under in the end a kind of situation, individual or the client of business entity can be to customer service representative in person or via telephone talks or information is provided.

In order to make " member " (people/payee enters an item of expenditure in the accounts) of this bank be present on the Greenlist master catalogue, business entity or individual must at first subscribe to the Greenlist correspondent bank or authorize partnership bank (for example EPN) to set up LCA and DDA (current savings account) at Greenlist.

In order to visit Greenlist system registry screen, personnel of bank or bank customer member must provide DDA of its bank and password.DDA number and password are the front end security mechanisms of account holder's part of Greenlist system.The active account database of DDA number contrast bank is examined.Bank's password is crucial for " redirecting the LCA number " that the effractor of the bank's current deposit number of the account that prevents to know business entity or individual is created to the LCA number of the account of himself.Because normal processes is carried out " remove and substitute " by system, so the Greenlist verification process can be caught and mark any " redirecting ".

By the online bank gate system of bank, enterprise or individual " member " will (preferably utilize account variant (that is related credit number of the account (LCA of the EPN Internet bank or UPIC), of the filtration debit of LCA to its bank's request mobile payment function.LCA is linked to the DDA account.The safe hot link guiding member's of local Greenlist payment system registration from Home Banking's door to bank.

New LCA information about firms requires title/address information, for example field of Notification Method (for example, fax, E-MAIL, phone), and other ID (for example, UPIC, SS#, IBAN#, FEIN#, DUNS#, industry) that the use in future is provided.

Please note: the communication aspects of system preferably allows the multiple-limb banking system of disperseing to submit to thing to be delivered to its central parent web merging whole branches, and resends the master catalogue system every night.Whole records that bank of whole banking system member branch can be selected to will be referred to by this father bank push back its whole Greenlist of branch alliance, and each branch will have whole account holders' the inferior master catalogue tabulation in the member storehouse of whole banking system thus.

Greenlist master catalogue system edits and examines inspection.Some editors comprise ABA number, LCA, UPIC and the IBAN that verifies bank.

When after setting up the LCA account of new bank customer on the master catalogue, send message below similar to the New Account member from its bank:

" (Bank Name) apprise you of of being very glad: your new (Bank Name) LCA account and master catalogue Greenlist account start and can receive fund in (system data)." your LCA number of the account is (LCA people/business entity's number of the account).Suggestion business entity is included in the remittance part of receipt with the LCA number, and guides your payer to use this safe electronic account number to replace paper spare check to pay.As prompting, please note that the LCA account only can be used for receiving fund.Any debit origin will be blocked.Can not be directly from then on secured account withdraw the money.The money that receives the LCA account will change your current savings account termly according to the planning chart with (Bank Name) foundation over to.”

This system will also create and send the notice Audit Report to bank, notify the success or the unsuccessful processing of client's catalogue account maintenance of the evening before yesterday.

Member's enrollment process was finished in this stage.Being recorded in of " member " that comprise new LCA (or UPIC) number of the account on the Greenlist master catalogue at this moment can be via internet access.New Greenlist/LCA number of the account is movable and is ready to begin receive payment.

Another embodiment provides self-organization (federation for example, university, clearing member's, and the colony etc. of AARP for example) a large amount of batch processings registrations of individual client under unappropriated-" co-pending-bank "-distribution/bank's activity classification.Individual member's tissue " is sold " to being the member Greenlist catalogue or the EPN network or the bank's entity that is about to become the newcomer Greenlist catalogue or the EPN network.

The data element of the collection of each individual/business entity comprises:

Individual/the LCA of business entity data logging

Individual Greenlist account #

9 ABA route/transmission numbers of bank ^*

Individual/the LCA of business entity (person of entering an item of expenditure in the accounts of country catalogue) number

Bank's current account (DDA) number of individual/business entity

Individual/business entity's title ^*

Individual/business entity's full address ^*

Individual/business entity's telephone number ^*

Individual/business entity's Mobile Directory Number (if being suitable for)

International destination tag ^*

Loyalty point field 1 or 10

Individual/business entity's fax number (if being suitable for)

Individual/the email of business entity number (if being suitable for)

The federal tax ID# of business entity (if being suitable for)

The DUNS# of business entity (if being suitable for)

Business entity's industry

The LCA of business entity contact name

The LCA of business entity contact phone

Individual/the UPIC of business entity number (if being suitable for)

Individual's social safety # (may need) for insurance and health care supplier

Individual/business entity merges father LCA number (if being suitable for)

Individual/business entity preferably presents the bill and notifies/communication means of replying ^*

(according to institute's choosing method, the data of auxiliary this method become essential field)

The communication means of the preferred advice of collection of individual/business entity/reply ^*

(according to institute's choosing method, the data of auxiliary this method become essential field)

Individual/business entity's state is (new/existing/as to stop/co-pending/as to keep ^*)

The account system creation date

Account timestamp date created

The personnel Greenlist of bank catalog system id number

The memo field that extends

^*Essential field must contain meaningful (non-special character).

The editor who is undertaken by the local Greenlist system of bank comprises:

Examine the field length of input data.

Examine LCA number (checking the figure place sum).

Utilize EPN UPIC authenticating documents to examine the UPIC number.

The Greenlist effective range of the distribution of bank's entity of new individual LCA registration.

Arrange relatively effectively geographic area of postcode area code.

Please note: " maintenance " state that individual's bank distributes will make fund not to be transferred.

Please note: any may the time data input fields preferably with the member's number of the account system that is stored in Greenlist (for example LCA of bank number and ABA number) system or bank self in existing bank information insert in advance.

Please note: the storage routing number of the bank in the Greenlist system and LCA (the available sequence of next in the digital block of bank) will be generated by the Greenlist service system.

The change of any bank's association to individual or business organization is followed the tracks of on optimum system choosing ground.Being combined as the financial transaction in the Greenlist system and replying of the routing number of the individual/Greenlist of enterprise account and correspondent bank provides unique record identifier.

When the individual closed its current account that is positioned at financial institution, this Greenlist member submitted to the standard individual/LCA of business entity state to change (inertia) transaction as the part of its termination procedure.The Greenlist master catalogue will receive more New Transaction with the change of reflection LCA number of the account state from " activity " to " non-activity ".Program ground, in case client LCA changes the statistics information of its current account, bank will be simultaneously submits updating maintenance to its local Greenlist system.This information is preferably flowed through in batch processing renewal process every night and is upgraded Greenlist master catalogue record.Client LCA can make the time (propagating) that changes onset by notified needs in total system.

Bank subsystem (transfer of payment) catalogue

Independent bank's catalogue must be registered, to be authenticated and to safeguard by Greenlist.Following the core infrastructures that this step will guarantee that financial institution and enterprise can rely on can eliminate swindle and relate to paper and for example cost of other single factors mode of payment such as off-line debit and credit card.

The look and feel of this locality Greenlist system can indicate " special marker " according to the look and feel standard that bank has adopted for its Home Banking's door.Independent bank can be responsible for being used for the Greenlist master catalogue is incorporated into the former coding of what is the need for and wanting of current Home Banking door of bank.

After signing an agreement, Greenlist can physically install discrete Greenlist hardware/software system in the environment that possesses fire wall of bank.Can set up required VPN traffic link to the master catalogue system, and configurable and activation security catalog administrative skill.

By Greenlist " directory administrator " or the authorized personnel's of bank assistance, authorized " the Greenlist keeper " of bank can be by the data registration screen registration bank of bank in the Greenlist system that finishes its new installation.

The finishing generation " bank co-pending data " record and be connected the renewal transaction file that sends to Greenlist master catalogue system via secure vpn of this process.The information of bank by master catalogue system verification/examine (for example contrast the route # of the common wealth bank, effectively the bank account # that authorizes of Greenlist, effectively the UPIC number waits and examines).

Examining of success will cause " affirmation transaction record ", described " affirmation transaction record " produced and sent it back bank by the Greenlist master catalogue Greenlist system changes into " activity " state with start-up system and with the system state field of bank from " co-pending ".

The internet checking of Greenlist master catalogue

In operation,, wish that individual or entity (seller) that buyer's (paying party) is presented the bill preferably require the buyer to deposit fund on the LCA of the folk prescription of making out a bill account in order to pay and settlement process with Greenlist.The buyer can determine the seller's number of the account by carrying out internet checking Greenlist master catalogue.

For the use of auxiliary Greenlist, the folk prescription of making out a bill maybe will will be required to send payment via the bank and the Greenlist sales promotion text notification paying party entity of the folk prescription of making out a bill (beneficiary) via Greenlist mobile payment network, atm network, E-Payment network or federal ACH network from the people of government or other source reception Claims Resolution (for example insurance) check or paycheque.They will be required to provide its bank's route and LCA or UPIC number of the account to paying party.

The a guy of institute/LCA of business entity and UPIC number of the account are open for public's inquiry/search.If (enterprise of system requires to allow the actual Bank Account Number in the catalogue is included as recording key, can use the specific safety logic to help to require the viewer to register with visit current deposit number of the account.Visit for the bank's data logging information in the Greenlist master catalogue also is open to unconfined public checking.

Greenlist master catalogue website can be visited via Internetwork link or via any public internet search engine (for example Google).

The master catalogue account inquiries are examined

The make out a bill successive of condition of folk prescription Account History inquiry of the search of master catalogue preferably includes:

Title (individual or business entity)

The drop-down table of entity type (for example government, telephone operator, combustion gas and Utilities Electric Co.)

The drop-down table in state or geographic area

Address (partial or complete)

Telephone number

Bank Name (and/or routing number)

The bank branch position

This search is displaying make out a bill folk prescription LCA, UPIC number and bank's routing iinformation, or returns the indication number of the account and do not find or unavailable message.If the situation that " does not find " takes place, system shows also how explanation adds the information of Greenlist system.

Please note:, can have a plurality of numbers of the account if individual or enterprise carry out financial transaction in a plurality of banks.

Preferably, the initial bank of client's participation sets up the relation with authorized Greenlist financial institution (or EPN bank), or influences its adding Greenlist system of existing bank.This financial institution will be registered and have the Greenlist system of operation in its physical environment.The register system function of setting up in the Greenlist system keeps local directory and the business entity of the LCA account of the startup banks that all participate in and client's data.The registration function of Greenlist system remains on the information reproduction between himself and the master catalogue.Master catalogue makes its member can be queried to the world at home.

The Greenlist account is specified

As previously mentioned, in one embodiment, as with the part of the contractual arrangement of Greenlist directory service tissue, the Greenlist number of the account piece of its registration " is rented " by each bank.As long as the owner of LCA account is assigned to the bank of having subscribed to the LCA business, bank is the LCA account with power of attorney payment monthly fee through registration (movable and non-activity) reservation of its " control " to Greenlist.The Greenlist catalog system can require to be used to monitor and follow the tracks of the process and the system of these Greenlist assets.When the member of bank had current savings account in bank, number of the account is registered to chartered bank.Tracker will write down beginning and the Close Date that number of the account is registered in the period of this bank.

Greenlist master catalogue safety/safeguard audit log

Master catalogue renewal/maintenance process logic provides the audit trail of the change that master catalogue is carried out.

The record of the data in any interpolation, modification and the deletion bank MSDS.

Based on the safety of password, so that the authorized system manager of bank logins the Greenlist master catalogue to carry out the directory maintenance of its bank.

The security mechanism of Greenlist master catalogue will be designed to provide 4 security certificate grades:

A. grade 3-only authorizes and checks (for the bank clerk; Business entity and individual client;

Greenlist nonsystematic keeper personnel).

B. grade 2-authorizes and changes the bank identifier data.

C. grade 1-authorizes interpolation/deletion record.

D. grade 0-Greenlist system data keeper.

Audit index with date and time stamp comprises the individual's who causes change ID.

The record of the change of carrying out for bank's MSDS of catalogue will be recorded in PP and advocate peace and safeguard in the audit log table.

Safeguard audit log table content:

Bank's major number

Greenlist people's id.

Banking system keeper id.

System data

System timestamp

Transaction (interpolation/deletion) state changes certainly

Transaction (interpolation/deletion) state changes to

Transaction (change) field name

Transaction (change) field certainly

Transaction (change) field arrives

Legend

Fig. 1

100 Greenlist

105 (pointing to the Greenlist database)

110 banks

115 (sensing banking data bases)

120 subscribers

130 DNS

140 transaction processing

150 starters

Fig. 2

200 newcomer banks set up process

205 permit number assigning processs

210 GL safety certification process

215 members every night ... renewal process

220 " Goggle " search procedure

Editor is examined in 225 inputs

230 master catalogue renewal processes

235 GL master catalogues

The 240 GL bank main bodys of authorizing

245 security certificate files

250 permission master files

255 ABA banks examine

260 Postal Curler Districts/state table

265 UPIC main bodys

270 audit logs

275 confirm report

280 new registration inputs from member bank

285 bank's registrations by the GL system manager

290 catalogue the Internet search query

295 member banks 1 are long-range ...

300 member banks 2 are long-range ...

305 member banks 3 are long-range ...

Fig. 3

200 newcomer banks set up process

205 permit number assigning processs

Editor is examined in the input of 225 banks

The 240 GL bank master files of authorizing

245 security certificate files

250 permission master list files

255 ABA banks examine

The registration input of 260 new banks ...

260 Postal Curler Districts/state table

270 new bank audit maintenance log

310 contracts ...

Fig. 4

210 GL bank authenticated/authorized processes

Editor is examined in 225 inputs

230 master catalogue renewal processes

235 current GL master catalogues

The 235 GL master catalogues of upgrading

The 240 GL bank main bodys of authorizing

250 permission master files

255 ABA route #

260 Postal Curler Districts/state table

265 UPIC main bodys

275 confirm successfully/failure reporting

280 new registration input requests ...

280 new a large amount of registration input requests ...

315 file consolidations

Fig. 5

215 member banks every night ... renewal process

235 GL master catalogues

The 240 GL bank master files of authorizing

270 audit logs

295 member banks 1 are long-range ...

300 member banks 2 are long-range ...

305 member banks 3 are long-range ...

320 communication/renewal bank subsystem

Fig. 6

290 catalogue the Internet search query

235 GL master catalogues

245 security certificate files

220 " Google " directory search process

260 Postal Curler Districts/state table

The 240 GL bank master files of authorizing

255 ABA bank routing tables

Fig. 7

210 GL safety certification process

The real editor of 225 new registration input nucleuses

230 master catalogue renewal processes

235 GL catalogue master list files

The 240 GL bank main bodys of authorizing

245 security certificate files

265 UPIC main bodys

325 LCA pieces distribute ...

330 EPN updating files

335 license file renewal processes

340 permission verification processes

The health care embodiment

Health care clearing house emphasizes the needs to emerging electronic funds transfer notice (ERA) payment (that is the medical payment of HIPAA-obedience) at present.ERA is requirement for public medical subsidy and medical insurance, and a lot of insurance company uses absolute payment use ERA.These payment groups all requirement can handle payment and not have current security risk and delays in payment.How the present invention is applied in the health care if being described below:

As mentioned above, the use of Greenlist has been eliminated the potential overdraw risk related with debit ACH by distribution credit ACH.The efficient of the authentication business association that provides except above-mentioned each side in the minimum cost mode (for example bank), under the health care situation, this uses by expansion is two exquisite purposes.

At first, reverse the method for frequent account payment, the control that the control that payment is discharged places client or small business.

The second, when less even medium-sized enterprise are the health care providers, and a side who is presented the bill is when being insurance company; So far these entities are worried the payment meeting quilt that was confirmed as not being to cover the charge policy clause under afterwards debit or " grabbing back " rather than solve in the payment period of next month immediately, thereby are reluctant to provide its bank account information to insurance company.

The bank of playing the effect of Greenlist registration office preferably registers small enterprise (for example health care provider) and estimates service fee in Greenlist.The part of this monthly fee is a net income, and the part of expense is used as the registration office lists the payment address that stops debit (or filtering debit) in public Greenlist net income.In health care, exist following may, promptly serve the clearing house of insurance company and/or the common wealth bank and found company, and carry out the function of Greenlist registration by the acquisition system usage license as agency of trademark registration place (to bank).

Greenlist carries out the multinomial business of demand in the current insurance company.Greenlist：

(a) allow the private access of complete Greenlist data field.For example, social security number can be exposed to the participant of permission between company and bank thereof.This resolves to safe " yieldly " payment address (via credit ACH payment) for the unique identifier that will belong to client's identity is useful.And, can be PHI and pay (for example NPI, TaxID, TSO etc.) and obtain clearing house's identifier.

(b) accept HIPAA X12 835/ERA from enterprise and register transaction file (client, described client select to be given safe, and list Greenlist payment address in, so that the common payment compensation of its insurance can be deposited in electronically) in a large number.

(c) allow clearing house as the requirement of paying party /EFT clearing house.Thus, along with more paying party begins to carry out real-time ruling, the same clearing house of processing requirements even have condition responsive payment information and/or payment affirmation information, that route is provided by Greenlist for the paying party that does not also begin to provide 835/ERA also can return.Paying party (insurance company) can all need be signed a contract it with clearing house and be need not to have independent banking relations to supplier's E-Payment.

(d) allow a large amount of Greenlist registrations when ERA register, stage in early days particularly, wherein under the most of situation of supplier be not register one by one but " registering in a large number ".

For each supplier, will distribute a plurality of " placeholder " Greenlist registration " groove " under the default situations, no matter whether the supplier selects to use Greenlist by clearing house's registration.Then, if the health care supplier determines to use Greenlist, they only give Operational Management System (PMS) seller or clearing house with this decision indication, and PMS or clearing house simply change-over switch make the supplier start the registration process of creating and distributing the bank account of creating by the bank registration office related that stops debit with clearing house.

Greenlist catalogue supplier carries out a plurality of business of demand in the health care supplier of all size at present.Its advantage is consistent for clinic, big supplier colony and the possible small hospital that does not have ready-made system.These advantages comprise:

The chance of reversing payment is not (the filtration debit) that stops debit because pay the address;

The method (email, voice mail, notice SMS) that when payment arrives, adopt client to select by Greenlist switch (optional);

Be used for the dedicated phone number (for example) of voice mail, so need not pay the commercial line that notice of delivery is called out the supplier from NetZero;

Avoided the supplier worry insurance company be not directly with the work of " its " bank since system from supplier's angle to bank's neutrality;

Obey the mode of payment of HIPAA;

The supplier that can use identical system (Greenlist) no matter receive payment is with what insurance companies work (interests of clearing house are intermediates); And

The office that when each doctor or dentist wish to be independent " payee ", can easily adapt to the supplier.

At present, the supplier office that specific T axID is gone in many hope payment must allow to pay go to a TaxID and allow after time carry out coordination because payment person can not adapt to a plurality of payments of going to single TaxID.

In one embodiment, Greenlist allows clearing house to use the ERA/ payment provider to determine the payee and then payment is assigned to specific T axID, supplier office/supplier self points out simultaneously, so that can see the ledger of every capable project and payment are to whose distribution to ERA.The feature of the present embodiment comprises:

Greenlist storage payment history has second path to allow the supplier, be used for coordinating from disburser to supplier payment and from the separation of all can collecting money.

Periodicity " maintenance activity " test to the collector address.The bank registration office can not be grabbed back the payment that arrives chartered collector makes guarantee, is the DDA that is filtered because be listed in the electronics lock box account of Greenlist.

Have a kind of trend, promptly between health care clearing house, use Greenlist, and insurance company turns to the ERA payment.At present, public medical subsidy/medical insurance requires the ERA payment to ACH payment address.

From on October 1st, 2006, public medical subsidy will not allow for anyly to be selected or has determined the supplier of selective reception ERA (electronic version of interests explanation) to use on the paper to remit money.The intrinsic part of ERA is the mediation that comprises payment information and final payment.Any time when ERA by when not comprising pass payment information, its value is cut down.Thus, it mainly is that income at liquidation arrives a kind of method that CMS, ADA and AMA and state association (and industry organization) are forcing, by this method, supplier and disburser " can do and do at present " and the clearing house that is responsible for coordinates the EFT/ACH clearing house (also be have logic most this moment in requiring processing procedure) that pays as requested.

Bottom line is to be that essential ERA (do not allow the supplier to select, but tell the supplier, if it is ready to receive ERA by paper spare, it only can be the part of insurance company's network) can not come into force at the universal time coordinated that does not have payment information the most at last.Public medical subsidy is guiding this process, and insurance company also will follow, because Check Printing and interests explanation (EoB) print procedure are much more expensive than electronic version inherently.Insurance company emphasizes to reduce the target of the operation expense that is used for mailbox, customer service, imaging and print system etc. at present.Several years ago not like this, because the new processing requirements of HIPAA regulation has been controlled whole industry.2006, many disbursers encouraged for the supplier of the paper spare remittance of being ready to abandon ERA.This had strength as the tidewater by what the supplier of various scales emphasized to preferred transfer at present.Greenlist has solved the major issue that hinders comprehensively and implement HIPAA 835/ERA payment fast: the supplier is reluctant to provide Bank Account Number.

The community network embodiment

The next step of community network development will be two payment transactions between the group.With the catalogue complementation of each community network of individual be the payment address directory, i.e. Greenlist, its sign and examine each individual or commercial entity for true.This will allow client and commercial entity to pay by mails by community network or the account with power of attorney visit.

Bank will be considered as desirable market to community network, with popularization demand in the young client of a large amount of able to make payment.Therefore, community network also is desirable Greenlist channel of allocation.

At present, if 2/3 American Youth has data-and enough forcing arranged on a plurality of networks, 53% will add another network.Along with potential millions of U.S. client is ready to list in Greenlist, the motivation of the auxiliary enrollment process of leading bank is higher.Similarly, because this some people group's purchasing power, businessman is also encouraged himself is listed.At last, Greenlist allow bank emerge in large numbers and also sales promotion among this generation client of also not getting in touch of bank up till now." meeting them in the place that they occur " is correct means, and this some people all living creatures payment transaction that on the net also need be new alive.

At present, bank is on average on average $284 of each client in the market expense of obtaining on the new client.This market pulling strategy can be used for spurring these young clients and their huge assets to bank with the cost that sharply reduces.This type of network gateway provides maximum and the fastest chance for causing rapid use.

Yet community network has been taught in the convention of afterwards hiding individual true identities such as assumed name claims, counterflange look.The transmission of information assets does not always flow down to the client of information from knowledge base.For example, for use the very skilled client of this operation of false identity can and on Wikipedia, to put up false information really with respect to its true identity.This has caused finding and has forbidden that the staff of Congress edits, puts up or remove the information that relates to US-legislation person forever.In one embodiment, Greenlist will carry out this role, just authentication request (being that the someone is its that people who claims) be switched to the authentication arbitrator that cost is minimum, trusted most: bank.With our viewpoint, bank will authenticate with the model in knowledge bases such as for example Wikipedia and distribute extra value and collect less expense.In fact, wish to keep anonymous but can and will can put up model in the storage information business of free and charge etc. in the future the discernible user in back that pays dues.

At last, when the user moves and attempts to insert film and music download with friend's amusement the time, prove the user to have this hint of membership qualification in the paying subscribing service is Greenlist the role's who exchanges as application layer second from the bottom peak between the position.

The embodiment of interest group

In other embodiments, the present invention can be used for interest group, and wherein identifier, authentication and transaction are relevant.The example of this type of interest group comprises digital rights management, air travel or ticket reservation or affirmation, and the shipper of goods or take over party.The information operation of interest group storage availability in public or private database.For each this type of interest group, embodiment comprises following element shown in Figure 1:

Can be Greenlist subscriber 120 individual, user, client, company or other entity that can identify.

Can be the tissue of Greenlist licensee 110, company or other entity.Licensee keeps the relevant remote portion of Greenlist data 115 as the registration office, and is responsible for authorizing and possible informing function.

Be applied to each subscriber's identifier.This identifier is determined by interest group.Identifier can be generally related with the subscriber, or this identifier can be related with specific use-case (for example incorporate into for the commodity bought or service and confirm number).

Utilize the Greenlist licensee to carry out the transaction processor 140 of authentication and authorization based on subscriber identifier.This transaction processor is that (perhaps having represented) is responsible for the risk bearer that concrete interest group provides assets.

Public or the private database 130 that is used to inquire about comprises the public or special-purpose ENUM inquiry that subscriber's telephone number is mapped to subscriber's identifier, as suitable for this concrete interest group.

In above-mentioned payment embodiment, bank is as the Greenlist licensee, and subscriber's identifier can be related credit accounts (LCA).Transaction is a transfer of payment.

In above-mentioned health care embodiment, bank is also as the Greenlist licensee.Transaction can relate to transfer of payment and/or routine or emergency access medical records, and notifies in the mode of oneself being stipulated when registering by participant to the transaction participant.Can be by the each side of specified notification with good conditionsi, wait and revise or strengthen the notice preference in which way.The example can be to have the public identifier visit medical information of authority via Greenlist for first respondent, and need not the Additional Verification that has the normal requirement of square tube of accessed information assets and the delay of mandate.For example, it can be unconscious having.The side of having, its health care supplier (for example its main doctor) and the direct kinsfolk of information can have been sent to by the notice of first respondent visit to health care information.

For the digital right interest group, can be the subscriber and distribute subscription identifier.Greenlist licensee (for example bank or other are licensed is the registral company of Greenlist) will be the risk bearer of authentification of user managing digital assets.For example, the individual with medium subscription can wish download or displaying video or snatch of music.Media companies will be via licensee to this personal authentication.This example and payment transaction are similar: for transaction, assets are financial; For this example, assets are digital.

For the interest group based on ticketing service, example comprises user capture and prints the hotel or incident ticket reservation or affirmation, or the passenger prints the aviation boarding card.Identifier can be incorporated the predetermined affirmation number of being bought of ticket or room into.In these examples, the risk bearer is responsible for the assets (ticket is confirmed, or boarding card) based on information.The risk bearer wishes the user who for example asks for printing to insert is authenticated.This is same similar with use of the present invention in the payment embodiment.

For deliver goods with connect the interest group of goods, the risk bearer is responsible for material assets.In an example, deliver goods side will not send or delivering goods, be authenticated to be legal goods take over party until the user.In another example, trade company will not emit goods for transmission, acknowledge receipt of payment until.Identifier will be suitable for the concrete transaction of material assets and/or transfer accounts.

The present embodiment relates to following about the patent of distribution from the producer's product information: 5,913,210; 6,154,738; 6,418,441; 7,117,227.It equally is 2006/0011720 U.S. Patent application referring to publication number.

United States Patent (USP) the 6th, 418, No. 441 open and claimed " network registry device ".How block diagram (Fig. 6 of this patent) illustrates retailer's system of inventory control to the share service device transmission UPC code of the sales transactions of carrying out this retailer with in storehouse quantity.This patent propose by this shared sales server use standard credit chucking method pay-still, Greenlist is the enhancing to this prior art, when to material assets rather than finance or information assets transaction (moving), it further reduces and authentication associated cost to the each side that concludes the business.Patent 7,117,227 have covered and have been used for object oriented system (ONS) mechanism of internet address mutual reference of electronic product code (from the RFID label) with the information that can retrieve the product with label.Pending application 2006/0011720 has comprised such claim, its covering be used for from the producer to its trade partners provide product information, become the global metadata synchronizing network of standard mechanism.

Although described specific embodiments of the present invention to be illustrated as purpose, should be understood that this description only is this purpose, and can be changed it by those skilled in the art under the condition that does not deviate from scope of the present invention, scope of the present invention should only be determined from the literal of claims.Should not think that any details that is not contained in claim itself in the instructions is a limitation of the present invention.

Claims (17)

1. the system that the paying party in the EFT (Electronic Funds Transfer) and beneficiary are authenticated, described system comprises:

Banking computer, described banking computer is connected to the computing machine and the catalogue computing machine of paying party via computer network, and described paying party has at least one account and has obtained authentication for described banking computer in described bank;

Wherein, described catalogue computing machine is applicable to first database of safeguarding certified registrant's information, described registrant's information comprises the certified information of the described beneficiary that at least one the related credit accounts to described beneficiary identifies, described catalogue computing machine also is applicable to via described computer network periodically provides the part of described first database to described banking computer, and the described part of described first database comprises the described certified information of described beneficiary;

Wherein, described banking computer is applicable to safeguards second database, described second database comprises the described partial data from described first database, and described second database also comprises the registrant's of the described part that is used for described first database ENUM data; And

Wherein, described banking computer is applicable to from the described paying party computing machine that identifies described beneficiary and receives ENUM information and payment information, utilize the described part of described first database will arrive the described related credit accounts of described beneficiary, and send geld to the related credit accounts of described beneficiary from least one account of described paying party to the described information mapping that described beneficiary identifies.

2. the method that the paying party in the financial transaction is authenticated, described method comprises:

Receive the information that comprises related credit accounts information and telephone number information via computer network from the authentic beneficiary that has account in Bank One Corp.;

Computing machine via described Bank One Corp. is related with URN with telephone number information with the described related credit accounts information of described beneficiary;

With the communication of the computing machine of secondary bank in send the information that comprises described telephone number information and described related URN to database; And

Receive fund to described related credit accounts in the electronics mode from the paying party account.

3. the method that the paying party in the financial transaction and beneficiary are authenticated, described method comprises:

Receive the beneficiary telephone number information via computer network from have the also authentic paying party of account in bank;

Utilize ENUM via the computing machine that is linked to described computer network with the related credit accounts associating information of described beneficiary telephone number information with described beneficiary;

Send the checking that described telephone number has been associated with the described related credit accounts information of described beneficiary to described paying party via described computer network;

Receive from described paying party via described computer network and to authorize, with from described paying party account to described related credit accounts money transfer; And

In the electronics mode from described paying party account to the described related credit accounts described fund of transferring accounts.

4. the method for authentication is provided, and described method comprises:

Receive certified registrant's information, described certified registrant's packets of information is drawn together registrant's telephone number and registrant's accounts information;

Can by with the electronic databank of the computer access of computer network communication in the described registrant's accounts information of storage;

With described registrant's information and ENUM data association;

Send described registrant's information to the catalogue computing machine;

Send described related information to directory user.

5. method according to claim 4, wherein said directory user is a bank.

6. method according to claim 4, wherein said directory user is a healthcare facility.

7. method according to claim 4, wherein said registrant's accounts information comprises related credit accounts.

8. method according to claim 4, wherein said related information comprises personal healthcare information.

9. the system that the transmit leg and the take over party of assets transfer authenticated, described system comprises:

Banking computer, described banking computer is linked to the computing machine and the catalogue computing machine of transmit leg via computer network, and described transmit leg has at least one asset account and has obtained authentication for described banking computer in described bank;

Wherein, described catalogue computing machine is applicable to first database of safeguarding certified registrant's information, described registrant's information comprises the described take over party's that at least one interlock account to described take over party identifies certified information, described catalogue computing machine also is applicable to via described computer network periodically provides the part of described first database to described banking computer, and the described part of described first database comprises described take over party's described certified information;

Wherein, described banking computer is applicable to safeguards second database, and described second database comprises the described partial data from described first database, and described second database also comprises the ENUM data of the registrant in the described part of described first database; And

Wherein, described banking computer is applicable to from the described transmit leg computing machine that identifies described take over party and receives ENUM information and payment information, utilize the described part of described first database to arrive described at least one interlock account of described take over party, and send assets transfer at least one interlock account of described take over party from least one account of described transmit leg to the described information mapping that described take over party identifies.

10. method according to claim 9, wherein said bank is the licensee of described catalogue computing machine.

11. method according to claim 9, wherein said interlock account are described take over party's the identifiers that may be encoded as URN.

12. method according to claim 9, wherein said payment information comprises the information that described take over party is identified.

13. method according to claim 9, wherein said assets transfer is actual to be the entitlement of transferring assets or transferring assets from the described take over party of described sending direction.

14. method according to claim 9, wherein said assets are payment or financial instrument.

15. being numerals, method according to claim 9, wherein said assets constitute thing.

16. method according to claim 9, wherein said assets are one or more actual object.

17. method according to claim 9, wherein said assets are information, right or access permission.

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