Patent ID: 8583928

Claim:
A computer-implemented method, comprising: transmitting, using a programmed computer, an initiation request to a recipient; generating, at the programmed computer, a message integrity component, wherein the message integrity component comprises a message integrity key, and wherein the message integrity component protects data against unauthorized modification; generating, at the programmed computer, a user authentication component, wherein the user authentication component comprises a user authentication key for uniquely authenticating the recipient, and wherein the user authentication key is displayed on an external device; encrypting, at the programmed computer, the message integrity key and the user authentication key into a key management component, wherein the entropy of the user authentication key is less than the entropy of the message integrity key, and wherein the key management component is transmitted to the recipient to securely transport the message integrity key and the user authentication key; and uploading, using the programmed computer, transaction data to the recipient for validation, wherein validation comprises cross-referencing the uploaded transaction data with the message integrity component.