Abstract: The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the various payments mechanisms available to him. The existing broadly distributed network is active and passive radio frequency identification (“RFID”) devices held by consumers. Various types of accounts are linked to devices and allow users to perform various purchase transactions, as well as nonfinancial transactions.

Abstract: The invention provides a method and system for providing liquidity to an alternative investment fund. The transaction system includes a plurality of fund investors; an alternative investment fund in which the fund investors commit to the investment of “alternative investment funds,” the alternative investment fund managed by a fund manager; a structure operated in conjunction with the alternative investment fund, the structure managed by a structure manager; and a plurality of structure investors, the structure investors investing structure funds into the structure. The structure provides at least one fund investor with an option to designate cash distributions of the alternative investment fund, which are made available to the at least one fund investor, to the structure. In the system the at least one fund investor obtains a liquidation of alternative investment funds upon the designation of the cash distributions of the alternative investment fund.

Abstract: A multi-step signing system and method uses multiple signing devices to affix a single signature which can be verified using a single public verification key. Each signing device posesses a share of the signature key and affixes a partial signature in response to authorization from a plurality of authorizing agents. In a serial embodiment, after a first partial signature has been affixed, a second signing device exponentiates the first partial signature. In a parallel embodiment, each signing device affixes a partial signature, and the plurality of partial signatures are multiplied together to form the final signature. Security of the system is enhanced by distributing capability to affix signatures among a plurality of signing devices and by distributing authority us affix a partial signature among a plurality of authorizing agents.

Abstract: A multi-step signing system and method uses multiple signing devices to affix a single signature which can be verified using a single public verification key. Each signing device posesses a share of the signature key and affixes a partial signature in response to authorization from a plurality of authorizing agents. In a serial embodiment, after a first partial signature has been affixed, a second signing device exponentiates the first partial signature. In a parallel embodiment, each signing device affixes a partial signature, and the plurality of partial signatures are multiplied together to form the final signature. Security of the system is enhanced by distributing capability to affix signatures among a plurality of signing devices and by distributing authority to affix a partial signature among a plurality of authorizing agents.

Abstract: A method of unwrapping wrapped digital data that is unusable while wrapped, includes obtaining an acceptance phrase from a user; deriving a cryptographic key from the acceptance phrase; and unwrapping the package of digital data using the derived cryptographic key. The acceptance phrase is a phrase entered by a user in response to information provided to the user. The information and the acceptance phrase can be in any appropriate language. The digital data includes, alone or in combination, any of: software, a cryptographic key, an identifying certificate, an authorizing certificate, a data element or field of an identifying or authorizing certificate, a data file representing an images, data representing text, numbers, audio, and video.

Abstract: A multi-step digital signature system and method is provided having a distributed root certifying authority 20. Messages received at the root certifying authority 20 are distributed to root certifying authority members 22-30 who attach partial signatures to the message using root key fragments. In the system and method provided, the system adapts to system events such as the addition or removal of key fragment holders, the need to modify key fragments, etc., by changing key fragments.

Abstract: A multi-step signing system and method uses multiple signing devices to affix a single signature which can be verified using a single public verification key. Each signing device possesses a share of the signature key and affixes a partial signature in response to authorization from a plurality of authorizing agents. In a serial embodiment, after a first partial signature has been affixed, a second signing device exponentiates the first partial signature. In a parallel embodiment, each signing device affixes a partial signature, and the plurality of partial signatures are multiplied together to form the final signature. Security of the system is enhanced by distributing capability to affix signatures among a plurality of signing devices and by distributing authority to affix a partial signature among a plurality of authorizing agents.