Abstract: Systems and methods for a secure electronic transaction system are presented that includes a hardware based token that includes a manufactured identity key. The system and methods also use a public/private key pair that is linked to a user and the hardware based token. Further, a policy server is communicatively coupled to the hardware based token. The hardware based token contains biometric identification data of the user and the policy server is used to provide authentication of the user based on a number of factors. Those factors include possession of the hardware based token by the user, a matching of the manufactured identity key with a priori registered key stored on the policy server, the public/private key pair; a user password, and the biometric identification data.

Abstract: A secure card is described that includes a front surface, a back surface, a memory operably placed between the surfaces, the memory having an interface to an external device, a removable image transfer film having a releasable coating disbursed thereon, at least one digitally created image originally applied to the releasable coating in reverse image format, and an adhesive layer. The adhesive layer is operable such that the at least one digitally created image is between the releasable coating and the adhesive layer. The adhesive layer is applied adjacent one or more target surfaces associated with at least one of the surfaces, a selective release transfer process utilized such that the portions of the adhesive layer adjacent the at least one digitally created image remain on the surfaces when the image transfer film is removed from the card.

Abstract: A secure method and apparatus for data exchange that allows a client's or patient's financial data, medical records, and other information to be stored on a card-shaped compact disk, with multiple levels of encryption to preserve privacy. The trusted record disc can be read on any computer with a network or internet connection, but access to the information on the disc is restricted according to a password protected hierarchical encryption policy. In order to obtain access to the restricted information, an individual user needs to enter a unique password that is sent to a central server. The server confirms the password and returns an electronic key to the user's computer. The electronic key unlocks the encryption and allow the user to view only the information that is permitted (under federal patient, financial privacy or other laws). Thus, in the medical setting, physicians can review the patient's entire medical record and make changes to it.

Abstract: A method for using multiple storage devices for authenticating multiple users in regard to a single transaction is described.

Abstract: A secure card is described that includes a front surface, a back surface, a memory operably placed between the surfaces, the memory having an interface to an external device, a removable image transfer film having a releasable coating disbursed thereon, at least one digitally created image originally applied to the releasable coating in reverse image format, and an adhesive layer. The adhesive layer is operable such that the at least one digitally created image is between the releasable coating and the adhesive layer. The adhesive layer is applied adjacent one or more target surfaces associated with at least one of the surfaces, a selective release transfer process utilized such that the portions of the adhesive layer adjacent the at least one digitally created image remain on the surfaces when the image transfer film is removed from the card.

Abstract: A system for secure, role-based exchange of information between a client and providers of services is described. The system includes a client device having a memory that includes a portion of the data relating to the client, a user access component, and an enforcement agent. The system also includes a central server running an authentication methodology and a roles server. The central server includes the data relating to the client. The system further includes an interface device capable of communications with the central server and capable of communicative coupling with the client device. The system is operable to, upon a communicative coupling between the interface device and the client device, activate the user access method, in conjunction with the authentication method, to ensure that the client is the proper holder of the client device.

Abstract: A secure method and apparatus for data exchange that allows a client's or patient's financial data, medical records, and other information to be stored on a card-shaped compact disk, with multiple levels of encryption to preserve privacy. The trusted record disc can be read on any computer with a network or internet connection, but access to the information on the disc is restricted according to a password protected hierarchical encryption policy. In order to obtain access to the restricted information, an individual user needs to enter a unique password that is sent to a central server. The server confirms the password and returns an electronic key to the user's computer. The electronic key unlocks the encryption and allow the user to view only the information that is permitted (under federal patient, financial privacy or other laws). Thus, in the medical setting, physicians can review the patient's entire medical record and make changes to it.

Abstract: Methods and apparatus are provided that implement digital signing and/or encryption for the electronic transmission, storage, and retrieval of authenticated documents and that enable the establishment of the identity of the originator of an electronic document and of the integrity of the information contained in such a document. Together these provide irrevocable proof of authenticity of the document. The methods and apparatus make it possible to provide “paper-less” commercial transactions, such as real-estate transactions and the financial transactions secured by real estate. A Certification Authority provides tools for initializing and managing the cryptographic material required to sign and seal electronic documents. An Authentication Center provides “third party” verification that a document is executed and transmitted by the document's originator. The methods and apparatus eliminate the need for “hard copies” of original documents as well as hard-copy storage.

Abstract: Methods and apparatus are provided that implement digital signing and/or encryption for the electronic transmission, storage, and retrieval of authenticated documents and that enable the establishment of the identity of the originator of an electronic document and of the integrity of the information contained in such a document. Together these provide irrevocable proof of authenticity of the document. The methods and apparatus make it possible to provide "paper-less" commercial transactions, such as real-estate transactions and the financial transactions secured by real estate. A Certification Authority provides tools for initializing and managing the cryptographic material required to sign and seal electronic documents. An Authentication Center provides "third party" verification that a document is executed and transmitted by the document's originator. The methods and apparatus eliminate the need for "hard copies" of original documents as well as hard-copy storage.

Abstract: A system and method is provided that implements digital encryption for the electronic transmission, storage and retrieval of authenticated documents and that enables the establishment of the identity of the originator of an electronic document and of the integrity of the information contained in such a document. Together these provide irrevocable proof of authenticity of the document. The system and method make it possible to provide "paper-less" commercial transactions, such as real-estate transactions and the financial transactions secured by real estate. A Certification Authority provides tools for initializing and managing the cryptographic material required to sign and seal electronic documents. An Authentication Center provides "third party" verification that a document is that executed and transmitted by the document's originator.