Abstract: A user identification and authentication device provides a secure computing platform and a secure computing path for communication with a secure remote host. The device is coupled to an unsecure PC but provides for secure verification of a user's identity and authorization in participating in a transaction.

Abstract: A method for secure data transactions over a computer network is described. In one embodiment, the act of generating at the first party a document, which authorizes the data transaction to proceed is performed. In one embodiment, the document content is signed using a computer network with audit-level encryption digital certificates. In one embodiment, a signed digital message (and/or document) is sent from the first party to the network transfer system electronically, and can be authenticated via the ICN certificate authorities to demonstrate the authorities of the signer of the signed document in assent to the transaction. In one embodiment, a copy of the signed digital document can be stored in a database associated with the transfer network system. In one embodiment, the system uses rules (patterns) of exchange agreed upon within and between organizations. These rules enable the exchange to progress smoothly and drive systematically the attention of participants to demands and problems etc.

Abstract: A transfer network system for providing communications between commercial buyers and suppliers and their respective banks is provided. Client systems in communication with the transfer network system operate under a secure legal and technical regime in order to provide an architecture that supports the exchange of messages to conduct commerce. This commerce may include instructions related to the transfer of funds directly from an account of the buyer to the supplier. Because of the secure legal and technical framework, this financial transaction can be conducted in real-time and finalized in real-time without the need for delay or the use of clearinghouse to settle the transaction.