Appeal No. 2003-0072
Application No. 09/032,407
electronic commerce transaction over an unsecured network without
requiring encryption. The user obtains a commercial relationship
certificate from a second party, e.g., a bank, and the commercial
relationship certificate is provided to a third party seller over
an unsecure network. The seller presents the commercial
relationship certificate, digitally signed by the user, to the
second party over an unsecure network in exchange for payment.
Representative independent claim 1 is reproduced as follows:
1. A method for performing an electronic commerce
transaction over an unsecure network without requiring
encryption, comprising the steps of:
(a) enabling a first party to apply for registration with a
second party in order to receive a commercial relationship
certificate, the first party having access to financial resources
through the second party;
(b) presenting a certified identifier of the first party to
the second party, said certified identifier enabling the second
party to confirm a true identify of the first party;
(c) transferring the commercial relationship certificate to
the first party from the second party over the unsecure network,
the commercial relationship certificate being digitally signed by
the second party and including the certified identifier and an
index to the financial resources accessible to the first party
through the second party, neither said commercial relationship
certificate nor said index being encrypted or secret;
(d) providing the commercial relationship certificate to a
seller over the unsecure network, the commercial relationship
certificate being digitally signed by the first party to indicate
that the first party agrees to make a payment for goods provided
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