Patent ID: 7236957
Filing Date: 2007-06-26
Classification: G06Q

Abstract:
1. A method for operating a server to generate an electronic fund transfer submission for transfer to a payments processor, the electronic fund transfer submission comprising an electronic fund transfer disbursement file and an authorization message of a predetermined data structure, the authorization message being received from a remote client system, the method comprising: generating a digest of the electronic fund transfer disbursement file by performing a hash on the electronic fund transfer disbursement file; transferring the digest to the remote system; transferring authorization control code to the remote system; executing the transferred the authorization control code being by the remote system to generate the authorization message on the remote system, generating the authorization message comprising the following steps: generating message attributes; generating authenticated attributes, the authenticated attributes comprising the message attributes and the digest; generating a digital signature of the authenticated attributes by passing the authenticated attributes to a file authentication component of the remote system as part of a digital signature request; generating a dummy data string; generating a dummy authorization message with the predetermined data structure by passing the dummy data string to the file authentication component of the remote system as part of an authorization response request, the dummy authorization message including a digest of the dummy data string; a digital signature of the digest of the dummy data string, and a digital certificate corresponding to the digital signature; generating the authorization message from the dummy authorization message by making the following replacements within the dummy authorization message: i) replacing the digest of the dummy data string with the digest of the electronic fund transfer disbursement file as provided by the server; and ii) replacing the digital signature of the digest of the dummy data string with the digital signature of the digest of the electronic fund transfer disbursement file; and returning the authorization message to the server; the server further receiving the authorization message from the remote system; combining the electronic fund transfer disbursement file with the authorization message to create the electronic fund transfer submission; and transferring the electronic fund transfer submission to the payments processor.