Patent ID: 7330836
Filing Date: 2008-02-12
Classification: G06F,G06Q,H04L

Abstract:
1. A method of digitally signing a financial transaction, the method comprising: presenting an electronic transaction receipt to a user; receiving a digitally signed version of the electronic receipt from the user, wherein the electronic receipt is digitally signed by an electronic transaction card associated with the user, wherein the electronic transaction card is suitable for electronic transmission, and comprises payment information suitable for a payment processing system to authorize the financial transaction, and is generated prior to the user performing a financial transaction resulting in the electronic transaction receipt, wherein the digitally signed version of the electronic receipt is transmitted from the user to a merchant, wherein the merchant forwards the digitally signed version of the electronic receipt to a bridge computer; and verifying with the bridge computer the digitally signed version of the electronic receipt contains a valid digital signature, wherein if the digital signature is valid, extracting with the bridge computer a sufficient amount of user data from the electronic transaction card to generate a decrypted transaction authorization request and the payment information usable by the payment processing system to authorize the financial transaction.