System and method for forming digital signature using an atm

FIELD: ATMs.

SUBSTANCE: system has an ATM, supporting operative connection to server of memory devices and having data input device, displaying device, computer data processing device, providing for encryption of electronic document with electronic signature with use of private key of user. Memory devices server provides for recording of private key of user in a way, that it is matched by storage for safe data preservation and/or financial account of said user.

EFFECT: possible preservation of integrity and confidentiality of electronic documents during large amounts of time.

13 cl, 19 dwg

 

The technical FIELD

The present invention relates to ATMs. In particular, the present invention relates to used in the ATM system and method by which provide supply electronic documents and digital signature.

BACKGROUND of INVENTION

Since the number of people owning or having access to personal computers continues to rise, an increasing number of people creates documents in electronic form or so-called electronic documents. Examples of electronic documents are filed electronically tax returns, contracts for the supply of goods or provision of services ordered on-line through the Internet, e-mail, documents, obtained through electronic processing of texts, or documents of any other type, represented in digital form. Some types of electronic documents are electronic documents, creating, sending or receiving these people prefer to ensure the confidentiality of these documents and the protection of access to them for a long time.

Unfortunately, the configuration of many personal computers do not provide data protection. With the growing popularity of the use of the network And the Internet, many personal computers are vulnerable from the point of view that programmers are hackers (hackers) can be remotely accessed via the Internet. In addition, the configuration of many home computers installed in such a way that does not involve the use of passwords, which results in any person with physical access to a personal computer, such as a friend, people caring for children, or family member may accidentally or intentionally to gain access to confidential electronic documents. Despite the fact that there are cryptographic programs that encrypt confidential electronic documents, many people do not have enough technical skills to install and setup a proper configuration of encryption software in their personal computers. Therefore, there is a need for a system and method for privacy protection of electronic documents, facilitating the possibility of their use by individuals.

Electronic documents belonging to individuals, often memorize the hard drive of a personal computer. For example, the payroll taxes required to pay a user typically creates a tax return in the form of electronic documents stored in the hard drive. Program text processing often carried out by storing files of electronic documents in a shared directory of the hard drive. Remembering the e-mail received via a personal computer and transferred it is also often carried out in the hard drive. Unfortunately, over time, in software and/or hardware personal computers may have problems, leading to the destruction of computer files stored in the hard drive. If the owner of the computer does not perform routine backups of your important computer files in the hard drive of his personal computer, which is difficult to replace other files, personal electronic documents can be lost due to problems in hardware and/or software. Even if these documents are copied to removable media, such as tape recorded on a portable drive or on a CD-ROM, may be destroyed themselves, portable media, they can become unreadable, may expire their actions or be lost. As a result there is a need to create a system and method of storing important personal e is ocuments, which ensure the integrity of documents for a long time.

There is a possibility that with the enactment of laws for electronic signatures at the level of States and at the Federal level, people will be given more opportunities to create electronic documents and provide an electronic signature. In many systems the electronic signature for the generation of electronic signatures and authentication methods they use encryption using public keys. Where a person puts a digital signature on an electronic document to create a digital signature on an electronic document, it uses the secret private key. This private key is usually set in accordance with a public key. Another individual may use the public key to verify the authenticity of an electronic document and digital signature. These public keys are often spread as part of the digital certificates that are digitally signed by a trusted third person empowered to authenticate that identity.

Despite the fact that the digital certificate and the public key can be exposed for the entire world's population, the private key must remain secret to prevent fraud. In that case, when the person wants to put on the document digital signature, the user must use a computer program that has access to the private key. As in the case of encryption software, many people do not have enough technical skills to ensure the successful installation and use of software to create digital signatures in their personal computers. Therefore, there is a need to establish such a system and such a method of supplying electronic documents and digital signature, which facilitate their use by individuals.

In the General case, when the program generate the digital signature belongs to the person using this program, this person can have a reasonable assurance that the program ensures that the private key secret. In addition, this person has a reasonable guarantee that the signed electronic document corresponds to the electronic document is read and parsed by this man. Unfortunately, if the program generate the digital signature belongs to the untrusted side, this man is a very weak guarantee that you enter the private key remains secret and/or read and analyzed this person electronic document is a document on which he puts a digital signature. As a result, when there is a need to create a system and method of privacy protection for private keys, used to digitally sign electronic documents. In addition, there is a need to create such a system and such a method of supplying electronic documents and digital signature, which provide extra assurance that this operation is safe replacement operation signature of documents filed on paper.

The INVENTION

The present invention, an implementation option which is given as an example is the creation of a system and method that facilitates the possibility of their use by individuals to protect electronic documents.

Another objective of the present invention, an implementation option which is given as an example is the creation of a system and method of storing electronic documents, which provide the ability to maintain the integrity and confidentiality of electronic documents in a long time.

Another objective of the present invention, an implementation option which is given as an example is the creation of a system and method that facilitates the possibility of their use by individuals for the supply of electronic documents and digital signature.

Another objective of the present invention, an implementation option which is given as an example, the two which is the creation of a system and method of privacy protection for private keys, used for supply of electronic documents and digital signature.

Another objective of the present invention, an implementation option which is given as an example is the creation of such a system and such a method of supplying electronic document digitally signed by means of which people provide additional assurance that the act of digitally signing electronic documents is a safe replacement operation signature of documents filed on paper.

Additional objectives of the present invention, embodiments of which are shown as examples, will become apparent from the following description of the best variants of its implementation and of the appended claims.

In one of the embodiments of the invention the above problems are solved by a system and method of storing electronic documents and provide a digital signature using ATMs. An example of an ATM, which can be used by individuals or users is an ATM type "automatic cash register" ("ATM"). ATMs allow customers to perform banking transactions. Normal banking operations that can be performed through ATMs are, including, cash is eneg, deposits, transfer funds from one Bank account to another, pay bills and receive information on the balance of Bank accounts. Types of banking operations that can be performed by the client are determined by the capabilities of the specific ATM program, which is given by the organization operating the ATM. The ATMs of other types can provide the client the opportunity to make payments from funds in Bank accounts or to transfer funds from Bank accounts. Other types of ATMs can perform printing or delivery of goods with a cash value, such as coupons, tickets, letterheads betting betting betting, receipts, checks, food stamps, money orders, certificates of deposits or traveler's checks. In the description of this invention the terms "ATM", "automated device perform banking operations" or "device type automatic cash machine" means any device, ensuring the execution of banking operations, including operations with objects that have value in monetary terms.

In one of the embodiments of the invention, the ATM may include an output device such as the screen of the visual device is a display, the sound system and the printer. The ATM may also contain at least one input device, for example, a touch screen, function keys, keypad, keyboard and/or media card reader. The ATM may further include devices such as, for example, a distributing device through which are issuing banknotes, a device for printing receipts, the device card reader and write to them, acceptance of deposits and other devices perform banking functions, which use the ATM to perform banking operations, including operations with objects that have value in monetary terms.

The ATM may include at least one computer, or to keep them operational communication. The computer can maintain prompt communication with output devices and input devices, as well as with the ATM devices perform banking functions. The computer may contain performed by means of software components and programs. In one of the embodiments of the invention, at least one software component can function in such a way that ensures the creation of the computer user interface through visual device is tabraani or otherwise available in the ATM device output data, that allows users to store and retrieve electronic documents from a digital safe to store valuable data to or from a digital repository for secure data storage. In one variant of the invention, the digital repository for the secure storage of data contains a certain amount of memory for storing files maintained by the server storage device, which liaises with the ATM. The ATM communicates with the server and mass storage device provides storage of electronic documents in the server storage device, while remembering these electronic documents is carried out in such a way that they are set in correspondence provided to the user of the digital repository for secure data storage. In one of the embodiments of the invention, the ATM provides storage, retrieval, copying, and deleting electronic documents stored in the digital repository user for the secure storage of data through the server's storage devices. In addition, the configuration server storage devices are set so that the contained operational hardware, software and backup ensure the preservation of the integral is t electronic files for a long time. Moreover, embodiments of server storage devices provide encryption of electronic documents, through which access to the electronic documents can be made only by authorized persons.

ATMs can provide the user the ability to retrieve an electronic document from an external source and storing the extracted document provided to the user in a digital vault for safe storage. External sources can be, for example, portable media, such as CD-ROMs, portable computing device, such as, for example, telephone mobile, and/or a storage device for storing data to which access can be performed via the network. In variants of the invention, the ATM provides the reader with a portable data carrier which carries out the reading of electronic documents with portable media. Examples of readers with portable media used in embodiments implementing the present invention are including reader with portable hard drives, such as drive type "Iomega Jaz®"; drives magneto-optical disks, such as storage type "Iomega Zip�AE; "; drives based on flash memory that can record data in a storage device based on flash memory, for example, device type CompactFlash and Sony Memory Stick®"; interfaces standard "PC Card"; drives on compact disks (CD)drives, digital versatile disks (DVD); the drive minicompact-ROM (Mini-CD); smart cards; hard drives floppy disks (diskettes) and digital tape.

In addition, one embodiment of the ATM may further provide users with the ability to view and/or listen to content of electronic documents available through the ATM device output data. One of the variants of the ATM may, for example, contain software components that provide the output documents, which provide the output through a computer, which is equipped with an ATM, the visually perceived images of the respective electronic documents available through the ATM device visual display. Examples of software components, allowing you to function the output document, which may be used in embodiments of the invention, given as examples, are including the program "Adobe® PDF viewer" made by "Adobe"to allow viewing files in PDF format, n is ogramme view (browser) HTML (hypertext markup language) or XML (extensible Hyper text markup language), the word processing program or other application program that reads an electronic document or access to it, and the output of the visually perceived image of the electronic document that was accessed. The ATM may further include software components that provide the output documents, which carry the output of the sound data corresponding to electronic documents through audio device, which is equipped with an ATM. Electronic documents can contain text, which display via the visual display device, and simultaneously converted into an audible speech signal output via the loudspeakers, which is provided with an ATM. In addition, ATM can print visually displayed image of the electronic document through the printing device.

In an alternative embodiment of the invention, users may be provided access to electronic documents stored in the digital repository to store data securely through a public network, for example via the Internet. In one of the embodiments of the present invention, users may be given the choice whether to add the ability access the PA to their digital repository to store data securely via the Internet in addition to provided users the ability to access their digital repository to store data securely through the ATM. Users can use or not to use the access via the Internet depending on the degree of secrecy and type of electronic documents stored in a digital vault for safe storage.

ATM can provide electronic documents and digital signature. In one of the embodiments of the invention, the ATM may include software components for creating digital signatures, which provide electronic documents signed using algorithms and protocols, public key encryption, or by another algorithm and Protocol digital signature. For example, the example program create a digital signature provides electronic documents signed using the private key corresponding to the user. In one of the embodiments of the invention, the server storage device can perform the memorization of the private key so that it was set in correspondence provided to the user of the digital repository for secure data storage. Listed as a variant example of implementation of the ATM after authenticating the user supplies an electronic document digitally signed using the private key secure storage which is syshestvyut through server storage devices. Once through the ATM electronic document labeled, ATM / cash machine transmits the signed electronic document to the user-selected location, such as provided to the user corresponding to the digital vault for safe storage or to an external source, such as a portable media device, a portable computing device and/or storage device to which access can be performed via the network.

In some embodiments of the invention, the ATM provides electronic documents signed using the private key of the user stored in an external source, such as a portable computing device. Secure storage of the private key of the client can be implemented, for example, in a smart card. In one of the embodiments of the invention, the ATM may include a data reader with a smart card that communicates with a smart card to supply the electronic document is digitally signed.

Before you will be allowed the generation of a digital signature using the private key of the user, shown as an example, the server storage device or an external source, which represents, for example, and the intellectual map, may require a receipt from the ATM password or biometric data. The ATM may include input devices, such as keypad or a biometric reader, a user can use, for example, to enter the desired password, personal identification number (PIN) or biometric data.

In one of the embodiments of the invention ATM retrieves the private key used to generate the digital signature via ATM, server, storage device or from the external device. In some embodiments of the invention, the system configuration can be set so that ATM there is no need to perform the extraction of the private key via ATM. In this embodiment of the invention, ATM / cash machine carries out the generation of a unidirectional hash function of an electronic document, for example, profile messages, cryptographic checksum, checksum, message integrity or detection code of data manipulation. A one-way hash function can then be transferred to the server storage devices in a smart card or other secure external source with a secure access to your private key. After that, the server remembers what their devices smart card or other secure external source can generate a digital signature using a one-way hash function, the private key and the appropriate encryption or digital signatures. Then, the server storage devices, smart card, or other secure external source can return the digital signature in the ATM. After that, the ATM may attach a digital signature to the electronic document before remembering in the digital vault for safe storage or before sending an electronic document to an external source.

In one of the embodiments of the invention, the ATM may transmit the electronic document to the server storage devices in a smart card or other external source. In this embodiment of the invention, server, storage devices, smart card or other external source are generated profile and the corresponding digital signature based on the received electronic document, and then provide the transmission of digital signatures and/or electronic document back to the ATM. It should be understood that embodiments of the invention, which are given as examples include the use of any digital signature algorithm, and t is some control keys, which ensures safe operation of a digital signature of electronic documents via ATM. Examples of cryptographic algorithms that can be used in the following as examples of variants of implementation of the present invention are including the cryptographic algorithm Rivest-Shamir-Adleman (RSA) and digital signature algorithm (DSA).

In some embodiments of the invention provided to the user of the digital repository for secure data storage and/or private key can be set in accordance with a Bank or other financial account of the user, such as current account, savings account, debit account and/or credit account. The user can access digital repository for secure storage of data and/or digital signatures ATM by entering into ATM cards for payments through ATMs, debit cards, credit cards or any other card that is associated with the financial account of the user. After the user enters the appropriate password, for example, a personal identification number or biometric information, available in the ATM input device of the ATM allows the user to make a choice banking operas the Nations, performed by the ATM, such as dispensing cash, transfer funds, the operation of making the contribution, payment of accounts and transactions information about the balances. In addition, the ATM provides the user with the ability to display electronic documents on the screen and provide them with a digital signature by the private key corresponding to the financial account of the user. In addition, the ATM allows the user access and service of electronic documents stored in a digital repository for the secure storage of data corresponding to a financial account of the user.

In those embodiments of the invention, in which the user is granted a digital repository for secure data storage and/or private key is not set in accordance with a map of its financial accounts, the user may be issued a card on the provision of this user digital warehouse for safe storage of the data supplied printed machine-readable symbols, which correspond to the digital vault for safe storage of the data provided by this user. Embodiments of the ATMs allow the user to access his/her the number to the store for safe storage and supply of electronic documents and digital signature in response to reading the machine-readable signs with maps about digital vault for safe storage data.

In addition, the ATM may provide the user the ability to generate private and public keys for the supply of electronic documents and digital signature. In addition, the ATM provides the user the ability to produce via ATM receipt and/or purchase a digital ID, such as a digital ID of type X.509. ATM can support operative communication with the organization having authority to issue these certificates, and transmits the organization having authority to issue digital certificates, information sufficient for the organization having authority to issue digital certificates could create and issue the user with this ID. These digital certificates can be used to authenticate a digital signature of the user created using the ATM. This ATM provides storing digital certificates provided to the user in a digital vault for safe storage and/or together with the data on the corresponding financial account of the user. With regard to other electronic documents, ATM / cash machine transmits a digital ID in the user-selected external source. ATM when supplying the AI electronic document signature provides the mapping of the signed electronic document with a digital ID. Others may use a digital certificate to verify the digital signature on the electronic document. In the above described embodiment of the invention, the ATM provides the withdrawal amount of money spent on buying a digital ID from a financial account of the user or other persons. One of the embodiments of the invention extracts the digital ID from an external source selected by the user, if the user already has a digital signature. ATM / cash machine maps the extracted digital certificate with the electronic documents that provide a signature via ATM. ATM advanced through a server storage device provides storage of the extracted digital certificate provided to the user in a digital vault for safe storage and/or together with the data on the corresponding financial account of the user.

As described above, the ATM performs reading of an electronic document and its output via the ATM device visual display in the form of a visually perceived image of the electronic document. In addition, cash additionally allows the user to enter information in El kelaa the throne document available through the ATM input devices. For example, an electronic document representing, for example, a contract may contain fields for entering the names of the parties to the Treaty, descriptions of products and the amount of payment for goods. ATM allows the user to enter or to select text, numbers, and other information for inclusion in the electronic document before the document is signed. In addition, embodiments of the ATM provide access to memory for storing user information. Such a memory for storing data can be used to retrieve information, providing the ability to automatically populate the fields for entering data in an electronic document viewing and editing, which is realized by means of the ATM.

BRIEF DESCRIPTION of DRAWINGS

In Fig. 1 schematically shows a first variant implementation of the ATM.

In Fig. 2 schematically shows a variant implementation of the memory system and supply of electronic documents and digital signature via ATM.

In Fig. 3 - Fig. 8 schematically options content user interface, displayed on the screen via an ATM.

In Fig. 9 - Fig. 14 schematically depicts embodiments of the systems for the supply of documents digitally signed by ATMs.

On the IG. 15 schematically shows another variant of implementation of supply chain documents with a digital signature.

In Fig. 16 in the top view shows a variant implementation of the portable ATM for the supply of electronic documents and digital signature.

In Fig. 17 shows operations performed in one embodiment of the method signature of electronic documents.

In Fig. 18 schematically depicts a system signing documents according to other variant of its implementation.

In Fig. 19 shows a variant of the content of the user interface to be displayed on the screen via an ATM.

The BEST WAYS of carrying out the INVENTION

Below is the description of the invention with reference to the drawings and, in particular, Fig. 1, which schematically shows an example of the ATM 10, the respective variant embodiment of the invention. ATM / cash machine 10 may include at least one computer device 12, data processing and many software components 11. Computer device 12 of the data controls the operation of the ATM in response to commands from software components 11. In one of the embodiments of the invention the computer device 12 of the data processing can be efficiently programmed in such a way that allows the ATM to perform at measures which, one of the following features: at least one banking transaction, such as the operation of the cash; the operation of storing and retrieval of electronic documents; and/or the operation of the supply of electronic documents and digital signature.

To ensure that these functions, the ATM may further comprise at least one device 14 output data, such as device 18 visual display, at least one device 16 and data entry device 20 card reader, which also serves as input devices, all of these devices support operative communication with the computer device 12 of the data processing. In some embodiments of the invention, the ATM may also contain one or more devices that perform the banking functions that support operative communication with the computer device 12 of the data processing. Devices perform banking functions can be, for example, the device 24 of cash, the device 22 acceptance of deposits, the device 25 print receipts and other devices. In addition, ATM / cash machine 10 communicates at least one computer or data processing system of financial transactions, which allow it to perform financial transactions and authorizations, Dan is the first example of such system is the main Bank system 30. In the ATM 10 may also be capable of communication with at least one server 32 storage devices. In one of the embodiments of the invention, the server 32 storage devices can support operational communication with at least one storage device 34 for storing data. Moreover, in one of the embodiments of the invention ATM / cash machine 10 communicates with the specified at least one server 32 storage devices through communication with the main Bank system 30.

In one of the embodiments of the invention, the server storage device in response to commands received their many ATMs 10, to securely store and protect the set of electronic documents 42, stored in digital safes for storage of documents or digital storage 40 for secure data storage. Such a digital repository for the secure storage of data may represent a single cell for storing files in a storage device 34 for storing data. Electronic document 42 may be, for example, represented in digital form of physical documents, documents obtained through programs word processing, HTML (hypertext markup language)files, f is rmat XML (extensible markup language), other documents language executed on the markup language file format, Acrobat® PDF files, spreadsheets, digital identity, image files, sound files, audiovisual files, source files, programs, files, data storage specific application programs, newsletters, e-voting or digital files of any other type, providing storage of data readable by a computer format. The user may be provided with one or more digital storage 40 for secure data storage, and it can use the ATM 10 to the retention and storage of electronic documents 42 associated with his/her digital vault for safe storage.

ATM / cash machine 10 performs the display content of the electronic document in the form of a visible image by means of the device 18 visual display and allows the user to provide an electronic document with a digital signature. Many digital signature algorithms the person signing the document must use the secret information, such as a private key to generate digital signatures. In one variant of the invention, the private key 44 of the user may be stored in the provided user digital vault for safe storage, Yes the data or it may be stored as a set in accordance with a digital storage 40 for secure data storage, which is provided to the user. In variants of the invention, the private key 44 may be additionally stored as a set in accordance with a financial account of the user, for example the credit card account, debit card account, current account, savings account or any other financial account of the user, in Addition, as will be described in more detail below, the ATM 10 and/or server 32 storage devices provide electronic documents digitally signed using the private key 44, the corresponding granted to the user of the digital repository 40 for secure data storage and/or financial account.

It should be understood that a variant implementation of the ATM 10 is shown only as an example and that other variants of the invention, the ATM may include other or additional devices and can work within systems of other types. For example, embodiments of the invention can maintain operative connection with the computer device 12 data containing the drive 26 of the storage device and the communication port 28 that serves as input-output data. The drive 26 is used as a storage device for storing data and allows through the your computer, the processing unit reads the electronic document from an external source 56, for example, portable media 36 information, and/or write to it. Communication port 28 allows through computer processing unit for reading electronic documents from an external source 56 and/or their record to an external source 56, which is, for example, portable computing device 38 or network storage device 58, which can be performed via the network.

In Fig. 2 schematically shows the ATM 10, which provides storage and preservation of electronic documents 42 in the digital repository 40 for secure data storage. ATM / cash machine 10 may include a device 18 visual display such as the display on the cathode-ray tube (CRT) or liquid crystal display. The device is a visual display in response to commands received from the computer processing unit, carries out the display elements 46 of the user interface in the form of signs and letters. The user interface elements may contain instructions for using the ATM, displayed on the screen, as well as pointers to information content, through which display a list of electronic documents that can be accessed through the ATM 10, or part of an electronic document, which, when taken for a e the RAS device 18 visual display. Some embodiments of can additionally contain other devices 14 output data, for example audio system 19, which provides the output audio content corresponding to the electronic document. For example, in the case where an electronic document contains audio data, for example audio file format MP3, ATM / cash machine 10 may be operatively programmed so that in response to the presence of a file of MP3 format allows audio output through the audio system. In addition, if the electronic document contains language information, such as text, given as an example of a variant embodiment of the invention may contain a device representing a speech synthesizer, or software that operate in such a way that reads the user language information by printing English words through the sound system of the ATM 10.

ATM / cash machine 10 may also include at least one device 16 input data, for example, keypad 50 or keys 52 of choice. Through the device (s) input data, which are, for example, keypad 50 and the keys 52 of choice to users may be given the opportunity to provide input necessary for the operation data, such as PIN code corresponding to the account to be withdrawn amounts the cash or the choice of a particular electronic document, for viewing, storing and/or for supplying the digital signature. In some embodiments of the invention, the ATM 10 may further comprise a device 54 for the capture of biometric data, for example, the reader fingerprint reader, iris, retina-scan, the device speech recognition, the reader can recognize human faces or other device, functioning in such a way that allows the user to input biometric information, which uniquely identifies the user. In one embodiment, the implementation of the ATM 10 such identifying biometric information can be used for additional authentication of the user before that user will be granted the right to perform banking transactions, access digital repository for secure data storage and/or operation of a digital signature of an electronic document.

In embodiments of the invention, which are given as examples, the ATM may include other input devices or input devices of other types, provides input information, such as device representing sensory ek is an, the speech recognition system, a trackball, and/or graphics tablet 53 to represent the signature in digital form. The tablet 53 to represent the signature in digital form functions in such a way that creates a digital representation or registered digital sample of a handwritten signature, written by the pen or the stylus 55 without ink on the tablet 53. Such a digital sample of a handwritten signature can be registered by the ATM 10, and is included in the electronic document, digitally signed, implemented via ATM.

As described above, the ATM 10 may contain device 20 card reader. The device 20 card reader shall read the signs, the relevant account information, or other information from the user card. The card can be a Bank debit card, credit card, debit card, payment card for the fuel card to pay for goods in a shop, smart card, or other storage medium, providing a memory Bank accounts and/or other information that can be used to identify the user or his accounts. These Bank account details may include the number of current accounts, savings, debit, credit or other banking or FINANSOVOGO the account. These Bank account details can optionally contain data that displays information provided to the user of the digital vault for safe storage.

In one of the embodiments of the invention a digital vault for safe storage, private key 44 and/or a digital certificate 45 can be set in accordance with a financial account 48 user. When the user accesses the ATM 10 by means of a card corresponding to a financial account 48, ATM / cash machine automatically provides the user with access to a digital repository 40 for secure data storage, to its private key 44 and/or digital identity. For example, when the user inserts a credit or debit card in the device 20 card reader, ATM / cash machine performs reading from the card number, and credit or debit account. This number can be used by the ATM to access the financial account through the exchange of information with the main Bank system 30. A user's private key can be directly set in accordance with a financial account of the user and the ATM through the exchange of information with the main Bank system provides a supply of an electronic document with a digital signature in response to receiving the private key, sootvetstvuyuschego financial account. Provided to the user of the digital repository 40 for secure data storage can be set in accordance with a financial account 48 user, the ATM receives access to the digital repository 40 for the secure storage of data through the exchange of information with the main banking system.

The ATM 10 is in charge of issuing the user-selected amounts of cash from the device 24 cash and withdraw the amount of money c Bank or financial account through the exchange of information with the computer, providing processing of financial transactions, for example with the main Bank system 30. The ATM 10 removes the financial account of the user for user operations of storing, viewing and supply of electronic documents and digital signature through ATM. In addition, ATM can withdraw the money accrued to the user from a financial account of a third person or organization, which can be set in correspondence with the electronic document, view, store and/or supply for which a digital signature is implemented by ATM.

ATM / cash machine 10 may include a memory storage device 26, for example, the drive for the CD-ROM, which provides input data to portable media 6 information which can be used, for example, CD-ROMs, designed only for reading CD-ROMs with the ability of single records or CDs with the possibility of repeated overwriting. ATM / cash machine 10 provides a reading of electronic documents from portable media 36 information by the drive 26 of the storage device. Read electronic documents can be viewed on the screen 18 of the visual display, which is equipped with ATM / cash machine 10, and/or may be transmitted in a digital repository 40 for secure data storage. In addition, ATM / cash machine extracts the electronic documents stored in the digital repository 40 for secure data storage, viewing them on the screen 18 a visual display and/or recording of an electronic document on a portable media 36 information by means of the actuator 26 of the storage device. Examples of drives storage devices of other types, which can be used in embodiments implementing the present invention are including reader with portable hard drives, such as drive type "Iomega Jaz®"; drives magneto-optical disks, such as storage type "Iomega Zip®"; drives based on flash memory, which provides for the of n data storage devices based on flash memory, for example, device type CompactFlash and Sony Memory Stick®"; drives, digital versatile disks (DVD); the drive minicompact-ROM (Mini-CD) and digital tape.

Some embodiments of the present invention can contain one or more communication ports 28, which provide retrieval of electronic documents from a portable computing device, and the recording of electronic documents in a portable computing device, which may be, for example, a telephone set 38 mobile or network storage device 58 corresponding to the selected or entered by the client uniform resource locator (URL), email address or other network address. Examples of suitable communication ports 18 are including universal serial bus (USB), serial port RS-232, parallel port, infrared (IR) port, a radio, for example port wireless standard Bluetooth port IEEE-1394 or network port, for example port connection with wired Ethernet or wireless Ethernet (IEEE 802.11X). Examples of portable computing devices of other types, access to which may be implemented by embodiments Bank is the 10, are portable computer such as a computer "notebook", and a personal digital device (PDA).

The ATM 10 may further comprise operating panel 59, through which the user can access one or more input devices, visual devices and display devices that perform the banking functions. The ATM 10 may further comprise visually perceived signs 57 located near the operation panel 59 ATM, which visually displays on the screen of the visual display, or otherwise reproduce for the user of the ATM. The visually perceived signs 57 may contain a logo, picture or text that serve as the source designation of the network or service provider to provide a digital signature. Such designation may correspond to a service mark, of the relevant entity that provides management of servers, storage devices for storing data, the main systems and/or network through which the ATM 10 carries out the exchange of information to create an electronic signature for the electronic document displayed by the ATM 10. These signs can be visually similar to the marks on the map the user, so the user can quickly who made the decision the ATM can provide documents digitally signed by the user of the card. These signs can also serve to confirm to the user the fact that the ATM is associated with a third party and independent service or a reliable network providing digital signature, which ensures the user with an accurate visual reproduction of an electronic document and reliability of a digital signature on the electronic document.

In Fig. 3-8 shows examples of displayed contents of a user interface according to one of embodiments of the ATM 10. In Fig. 3 shows an example of the content 100 user interface, the output of which on the screen of the device 18 visual display can be provided by means of the ATM 10. In one of the embodiments of the invention, the display shown on the display content 100 user interface may be implemented after the ATM 10 is powered by a user by placing the card 20 in the reader with a card and entering a personal identification number via the keypad 50. Displayed contents 100 user interface may contain multiple user-selectable functions 102, including the option of 104 operation selection withdraw cash from the account through the om device 24 of cash; option 106 operation selection of Deposit of a Bank check via device 22 receiving deposits; 108 selecting operation of transferring funds from one account to another; and option 110 choice of viewing an electronic document through the device 18 visual display. Next to the image of each of these selectable functions 102 may be located a special key 52 select a button that will execute the corresponding function 102 via ATM 10.

In one of the embodiments of the invention, the ATM 10 after the user selects the playback operations of the electronic document 110 provides output to a display device 18 visual content 120 of the user interface shown in Fig. 4. When projected on a screen content 120 of the user interface can contain multiple selectable functions 122, corresponding to the different sources from which retrieve electronic documents to view them. In this described example, the selectable function 122 may contain an option 124 operation selection retrieval of electronic documents from a digital repository for secure data storage and options 126-130 selection operations retrieve electronic documents from external sources, which are zip disk, local network, which can in order to keep the portable computing device, for example, a personal information device (PDA) users, and secure site Internet/intranet.

ATM / cash machine 10 in response to the user selecting one of these sources of electronic documents provides a display of the content 140 of the user interface shown in Fig. 5. Displayed contents 140 user interface may contain a list of 142 electronic documents, whose presence in the source of electronic documents, selected through the displayed content 120 of the user interface defined by the ATM 10. ATM / cash machine 10 in response to the user selecting one of the listed electronic documents 142 provides the ability to view the selected electronic document on the screen 18 of the visual display. In Fig. 6 shows an example of displayed contents 160 user interface that contains characters to display the selected electronic document 162 relating to granting loans for the purchase of the car.

The ATM 10 may further comprise functionality that provides the user the ability to edit the displayed electronic document 162. For example, in one embodiment, the ATM 10 may include software components, by providing us the device 18 o data displaying electronic documents, containing objects in HTML, dynamic hypertext markup language (DHTML), extensible hypertext markup language (XML)components type "ActiveX network object type "Net", integrated software modules, scripts in the language of Java (Java script), and/or applets on the language Java (Java applets)that are associated with the electronic document. The presence of these elements can provide the ability to generate the visual display device such fields for data entry or selection fields that can be filled or modified through the input device data in the ATM 10.

To provide the user with additional assistance when completing them available in an electronic document fields for data entry ATM / cash machine extracts the appropriate information needed to fill available in an electronic document fields to enter data from a storage device that stores the stored user information. Stored user information may be set in accordance with a financial account of the user and/or digital storage for secure data storage. In the cash saved user information can be used to automatically populate available in an electronic document fields for data entry. For example, electronic documents which may contain a field for data entry, designated as "otpravites" ("ship_to_address"). Stored user information may contain information about the address, which corresponds to the designation "otpravites". ATM / cash machine extracts the relevant information of the user from a storage device for storing data and insert this information is available in an electronic document appropriate data entry field. In the case where the input information in the electronic document the user is manually ATM provides memorizes the information entered into the digital vault for safe storage or other storage device for storing data for later use when filling out the fields marked in the same way.

ATM / cash machine 10 after the user has completed viewing and/or editing of an electronic document provides output to a screen with the following contents 170 of the user interface shown in Fig. 7. Displayed contents 170 user interface can contain multiple selectable functions 172, including the option 174 select viewing of an electronic document, option 176 operation selection supply of an electronic document digitally signed version 178 selection operation for sending electronic document in another month what about the option and 180 choice for Erasure of electronic document. In the ATM 10 variant 180 choice for Erasure of electronic document can usually be available when viewing the electronic document being provided to the user of the digital vault for safe storage.

In that case, when the user selected option 176 perform supply of the electronic document is digitally signed, ATM / cash machine 10 enables the generation of a digital signature and attach it to the original electronic document or its copy. ATM can be quickly programmed in such a way that handles the task of generating a digital signature using any algorithm and Protocol digital signature. Examples of cryptographic algorithms that can be used in the present invention for creating digital signatures are including the cryptographic algorithm Rivest-Shamir-Adleman (RSA) and digital signature algorithm (DSA). The electronic document can be signed using the private key corresponding to the user. Authentication of the digital signature can be performed later using the user's public key, its corresponding private key. This public key can be extracted from a user's digital identity. The ATM may provide a connection of ciprowholesale, corresponds to the user, the electronic document for supply of an electronic document with a digital signature. In addition, the ATM provides the connection to the electronic document, the digital certificates corresponding to the organization that has authority for issuing digital certificates and the signer's digital identity of the user.

In order for a digital signature corresponded certifying the signature of the user, legally binding, the user may be required to demonstrate his/her intention to use a digital signature as proof of electronic signature that has legal effect. Therefore, the ATM 10 may provide a display of the additional content options user interface in which the user is asked affirmatively demonstrate this intention create a certification of electronic signature that has legal effect. For example, as shown in Fig. 19, the ATM may provide a display such content 182 user interface in which the user is prompted by data input through the input device data to give an affirmative answer, confirming his consent, which indicates the user's intention to create a certifying electronic signature legally with the Lu.

The ATM 10 may provide a connection to the electronic document application containing a statement that the user has demonstrated its intention to establish a certifying electronic signature that has legal effect, by generating a digital signature. In addition, the ATM 10 can provide this statement and/or the entire electronic document with a digital signature or digital notary certificate of another legal entity confirming that the user has entered data indicating the user's intention to create a certifying electronic signature that has legal effect. The application and/or electronic document can also be set in accordance with a digital time stamp indicating the time when the user has demonstrated to the specified intent, and/or about the time of creating the digital signature. This digital time stamp can be obtained by the ATM that supports communication with the server create a digital timestamp.

The ATM 10 may prompt the user to put his/her handwritten signature on a graphics tablet for submission of signature in digital form. The ATM 10 may generate a digital representation or registered digital sample rukopysnoji in the form of raster or vector images. Registered digital sample of a handwritten signature can then be included in an electronic document via an ATM. In this case, displayed on screen or printed image of an electronic document may contain a visible image of a handwritten signature of the client.

In that case, when the user selected option 178 forwarding an electronic document in a different place ATM / cash machine 10 enables the generation of a displayed content 190 of the user interface shown in Fig. 8. Displayed contents 190 user interface can contain multiple selectable functions corresponding to the different places of 192 storage, send a copy of the original or a signed electronic document. In the described example, the selectable options 192 may contain option 194 selection operation for sending electronic document in a digital vault for safe storage and options 196-200 choice that can forward the electronic document in the external sources, which are zip disk, local network and secure site Internet/intranet.

Digital vault for safe storage of data may be set in accordance with a user's private key. When the ATM 10 may provide output to screen additional vari is new content of the user interface, whereby the user is provided the opportunity to implement the generation of a set consisting of private and public keys that can be set in correspondence provided to the user of the digital repository for secure data storage and/or stored in it. The private key can be used to sign electronic documents of the user.

According Fig. 1 ATM 10 can optionally provide operative communication with the organization 60, having authority to issue digital certificates. ATM / cash machine 10 communicates with the organization 60, having authority to issue digital certificates, digital certificates, such as certificates of type X.509, which can be attached to the electronic document to verify a digital signature created by the user. ATM / cash machine 10 provides transmission organization having authority to issue digital certificates, information serving to identify the user, and copy the public key of the user. In response, the organization having authority to issue digital certificates, can generate and return a signed digital ID that contains identifying information and the user's public key. After that, the ATM 10 mo the et attach a digital certificate to the electronic document, saved directly provided to the user in a digital vault for safe storage or in such a way that it corresponds to this store, and/or transmitted in user-selected external source. The ATM 10 may also obtain copies of the digital ID of the organization with the authority to issue digital certificates that issued and signed the digital certificate of the user. This is a digital identity of the organization having authority to issue digital certificates can also be attached to the electronic document stored directly provided to the user in a digital vault for safe storage or in such a way that it corresponds to this store, and/or transmitted in user-selected external source.

In Fig. 9-14 schematically shows a variety of embodiments of the present invention. In Fig. 9 shows the ATM 300 that communicates with the server 302 mass storage devices, according to one of the variants of its implementation. In this embodiment, the server storage device provides a safe memorizing personal keys 304, corresponding to the number of different users. Private keys can be stored the AK is set in accordance with the digital vaults for secure data storage and/or financial accounts, for example, current account or savings account. When this ATM provides transmission of an electronic document 306 that corresponds to the user using the ATM 300, the server 302 storage devices. The server storage device contains a program 308 create a digital signature that ensures the generation of a digital signature 310 for electronic document 306 using the private key 304 that corresponds to the user. Server storage devices can then attach a digital signature to the electronic document and return the signed electronic document to the ATM 300, or the server storage device can be transferred to the ATM 300 only digital signature 310. After that, the ATM 300 may attach a digital signature 310 to the electronic document 306 and forward the signed electronic document in the user-selected destination.

In one of the embodiments of the invention, the program create a digital signature may contain cryptographic algorithm Rivest-Shamir-Adleman (RSA). However, in other embodiments of the invention, the program create a digital signature may contain different or additional software/hardware to create digital signatures. In those embodiments of the invention, in which the server b contains the more of one type of software/hardware tools for creating digital signatures, ATM 300 may be operatively programmed to give users the possibility of choosing the type of digital signature created by the ATM, which they would like to have on the electronic document.

In Fig. 10 shows a variant implementation of the ATM 320, which communicates with the server 322 mass storage devices, according to one of the variants of its implementation. In this embodiment, the server 322 storage devices provides a safe memorizing personal keys 324 corresponding to the number of different users. However, instead of passing in the server 322 storage devices full copy of the electronic document 326 ATM 320 generates a unidirectional hash function 332 electronic document 326 and transmits it to the server 322 storage devices. ATM / cash machine 320 may include one or more algorithms 334 compute one-way hash functions, which correspond to those protocols, digital signature, which the user wishes to use for his signature to an electronic document. For example, compute one-way hash function 334 used to generate digital signatures in the ATM 320 may include an operation of calculating a one-way hash functions via an algorithm computing the message digest (MD5) or the secure what about the hash algorithm (SHA).

In this embodiment, the server 322 storage devices may contain one or more algorithms 328 encryption and/or digital signature, for example a cryptographic algorithm Rivest-Shamir-Adleman (RSA), which generate the digital signature 330 for electronic document 326 using a one-way hash function 332 and private key 324 that corresponds to the user. The server storage device may then return a digital signature 330 in the ATM 320, and ATM / cash machine 320 may attach a digital signature 330 to the electronic document 326.

In Fig. 11 shows an ATM 340 that communicates with the server 342 storage devices made according to the alternative implementation. In this embodiment, the server 342 storage devices provides a safe memorizing personal keys 344 corresponding to the number of different users. However, in this embodiment, the server 342 storage devices enables the secure transfer of personal key of the user at the ATM 340. ATM / cash machine 340 may include a program 348 create a digital signature, which enables the generation of via ATM 340 digital signature 350 for electronic document 346 user working with ATM / cash machine 340.

In Fig. 12 shows a variant implementation of the ATM 400, which supports St. the relationship with the portable computing device 402 of the user, for example, smart card, with a personal information device (PDA) or mobile phone connection. In this embodiment, the portable computing device 402 may include at least one private key 404 corresponding to the user. In this embodiment of the invention the ATM 400 after the user browses the electronic document 406 that corresponds to this user, it provides the transmission of an electronic document 406 in the portable computing device 402. Portable computing device may include a program 408 create a digital signature, which performs the generation of a digital signature 410 for electronic document 406 using the private key 404 stored in the portable computing device. Portable computing device 402 may then attach a digital signature 410 to the electronic document 406 and return the signed electronic document to the ATM 400, or portable computing device may transmit the ATM 400 only digital signature 410. The ATM 400 may then attach a digital signature 410 to the electronic document 406 and forward the signed electronic document in the user-selected destination.

In Fig. 13 shows a variant of the westline ATM 420, which communicates with the portable computing device 422. In this embodiment, portable computing device 422 may also contain at least one private key 424 user. However, in this embodiment, the ATM 420 instead of passing in a portable computing device 422 full copy of the electronic document 426 carry out the generation of a unidirectional hash function 432 electronic document 426 and passing it to the portable computing device 422. ATM / cash machine 420 may include one or more software components with algorithms 434 compute one-way hash functions, which correspond to those protocols, digital signature, which the user wishes to use for signing electronic document 426. ATM 420 through the use of algorithms 434 compute one-way hash function calculates a one-way hash function 432 electronic document 426 and provides transmission of one-way hash function 432 in a portable computing device 422.

Portable computing device 422 may include one or more algorithms 428 encryption and/or digital signature to generate a digital signature 430 for electronic document 426 using a one-way hash function 432 and personal key is 424, corresponding to the user. Portable computing device 422 may then return a digital signature 430 in the ATM 420, and ATM / cash machine 420 may attach a digital signature 430 to the electronic document 426.

In Fig. 14 shows a variant implementation of the ATM 440 that can communicate with the portable computing device 442, which is given as an example. In this embodiment, portable computing device 442 may contain at least one private key 444 user. However, in this embodiment of the invention a portable computing device 442 enables the secure transfer of private key 444 user at the ATM 440. Given the example of the ATM 440 may include a program 448 create a digital signature, which enables the generation of via ATM 440 digital signature 450 for electronic document 446 user working with ATM / cash machine 440.

According Fig. 1 server 32 mass storage device provides storage magazine 62 access relevant digital repository 40 for secure data storage and/or financial account 48 user. The server 32 mass storage device provides storage magazine 62 access records about each taken you access granted to the user of the digital the mu store 40 for secure data storage and/or use of the private key 44. If the attacker obtained the access granted to the user of the digital repository for secure data storage and/or private key, given by way of example, the access log may be used to determine when and where was unauthorized access. The access log can optionally contain a record of what electronic document was labeled by the system. This record may, for example, contain one-way hash function of the electronic document. If the attacker uses this system to supply the electronic document is digitally signed, it can be carried out analysis of the access log to determine what kind of document could be tampered with.

Some embodiments of the ATM provide encryption of electronic documents stored in a digital repository for the secure storage of data using a symmetric encryption algorithm, such as the Federal data encryption standard adopted in the United States (DES), and secret key. ATM allows the user to perform the generation of the secret key for the encryption of electronic documents by password or on the basis of the biometric information entered by the user at the ATM. ATM / cash machine ensure that interpretation is elektronnih documents re the generation of secret key by issuing the user is prompted to reenter the password and/or biometric data.

An alternative implementation of the ATM, in addition to the supply of an electronic document signed, ensures delivery of an electronic document digitally signed, notarized testimony and/or co-signed by several persons using the private key corresponding to the ATM, server, storage devices, network/service provider to provide a digital signature or a third party. For example, in addition to allowing the user to supply an electronic document with a digital signature using its private key, the ATM may also provide the ability to supply an electronic document for a digital signature using the optional private key, not the private key of the user. This additional private key may correspond to an authorized notary service provider to provide a digital signature or the second side of the transaction to which the electronic document. The ATM may further provide a connection of a digital ID, the corresponding additional private key, the signed electronic document. This is a digital identity can be used for authenticating the second digital signature. To the electronic document can b shall also be attached and digital identities of those organizations, having authority to issue digital certificates that have been issued and signed by one or both of the following digital identity: a user's digital identity and digital identity of the notary or the second side of the transaction.

In one of the embodiments of the invention, the ATM provides the connection to the electronic digital document time-stamps by including in the composition of electronic document data on the current date and time prior to the user of the ATM transaction digital signature of an electronic document. In some embodiments of the invention, the ATM provides inclusion in the electronic document is a digital time stamp received from the organization provider or from a server digital time stamp for documents. For example, the ATM may provide transmission of one-way hash of the electronic document in the organization-supplier of digital timestamps. This organization is a supplier of digital timestamps attaches the time information representing the date, time, and time zone in which the organization is a supplier of digital marks was obtained unidirectional hash function. Then the organization-supplier of digital timestamps can provide a one-way hash function and time data is digitally signed with the COI is whether the private key organization-supplier of digital timestamps, resulting ensure the creation of a digital time stamp. Then this digital time stamp may be returned to the ATM together with a digital ID organization-supplier of digital timestamps. After that, the ATM may attach a digital time stamp and a digital ID organization-supplier of digital time stamp to the electronic document. In some embodiments of the invention the organization-supplier of digital timestamps may be the same organization, service provider or network that enables the creation of a digital signature for a user of the ATM.

In Fig. 15 shows an example of a system signing of documents according to one embodiments of the invention. In this embodiment, the system 500 may include at least one ATM 510, which provides the display and supply of electronic documents and digital signature. ATM 510 communicates with one or more servers 508, including servers, related to the processing of financial transactions to the main banking system, document processing, or the supplier or to the network of services to provide digital signatures.

In addition, ATM / cash machine 510 provides reception of electronic documents, at least one of the North-South Expressway is the first computer 512 (PC) or other computing devices through a wired or wireless network 516. In this embodiment of the invention, ATM / cash machine 510 may contain or support operative communication with a shared or accessible from the outside network disk drive 514, which performs the memorization of incoming and outgoing electronic documents. This shared network drive can be divided into one or more areas, such as memory, representing the mailbox for incoming messages" and "mailbox for outgoing messages".

A personal computer (PC) 512 may be selectively granted permission to access the shared network disk drive 514 or part of a shared network disk drive, for example, "mailbox for receiving messages", which corresponds to the ATM 510. Electronic documents created by a PC 512 can then be saved, exported and/or sent to a shared network drive 514 ATM 510. The user, working with ATM / cash machine 510 may choose commands ATM that displays the electronic documents stored in a shared network disk drive 514, and supply of the digital signature via ATM. Version of the electronic document, SN is biennia digital signature can then be saved, exported or sent to a shared network drive 514 or in part of this shared network disk drive, for example, in the mailbox for outgoing messages" shared network disk drive 514. PC 512 or other computing device may then retrieve the signed document from a shared network disk drive 514. ATM / cash machine 510 may also support operational communication with the printing device 518 and may contain picker operation of the output electronic document, digitally signed, to print using this printer.

In variants of the invention, ATM / cash machine 510 may contain devices perform banking functions, such as device cash and deposits, which allow you to perform via ATM banking operations of other types, such as cash withdrawal and receive Bank checks. However, in some embodiments of the invention ATM / cash machine 510 may have a different configuration, for example it can be made in portable form, not involving operations cash or receive Bank checks deposited. An example of such a portable b is Nkomati shown in Fig. 16. In this embodiment of the invention a portable ATM / cash machine 520 may contain a device 522 read effected through a magnetic card or other device, card reader, screen 524 device visual display and a graphics tablet 526 to represent the signature in digital form. Shown as an example, ATM / cash machine 520 may further comprise function keys 528 that provides input data to the ATM. Additional embodiments of the screen 524 device visual display may include a touch screen that provides input data to the ATM, and the device 527 connection, such as a network interface enabling communication with a wireless or wired network.

According Fig. 15 ATM / cash machine 510 may be used by organizations who wish to offer users the ability to supply electronic documents digitally signed secure and reliable way. Such organizations may be including banks, mortgage companies, companies that control the rights, property, savings and loan companies, insurance companies, company car sales, leasing companies, universities, hospitals, government organization or any other organization that creates the documents on which their clients must sign. ATM its consumers or clients of the organization, or in any other convenient way for users to view electronic documents and supply them with digital signatures.

In Fig. 17 shows the stages of the system 500. Here the steps of the method relates to the sale of cars, however, it should be understood that these steps are also applicable for any organization, firm, group of people or individuals wishing to provide digital signing of electronic documents. The method may begin at step 600, when the chief financial officer, or another member of the organization shall prepare relevant electronic documents for loan for purchase of car. This electronic document may include a document received through the program word processing document in Acrobat format® PDF document in XML format or any other document type, which can provide a display operation loan to buy a car in the form of an electronic document.

In one of the embodiments of the invention, an electronic document may conform to the standardized format of the application for the loan. This document, which has a similar format, can contain standardized XML descriptors, by means of which give descriptive information about the lender, the borrower and the conditions are given to the Oia loans. These descriptors can contain, for example, the names and addresses of the parties to the transaction, the amount of the loan, term of the loan, the interest rate on the loan and any other provision of the contract or information relating to any other category that may be part of the contract on granting loans. After creating a document, the chief financial officer, at step 602 can store the electronic document in a storage device to which access can be made via ATM. For example, the chief financial officer may remember the electronic document in the mailbox for incoming messages corresponding to that ATM.

For organizations that perform a large amount of work, in which the processing of applications for loans may be made simultaneously, for storing electronic documents can be used many ATMs. In such cases, a shared network disk drive may be associated with the name or ID of a particular ATM, which provides access to the electronic document stored in a shared network disk drive. Once completed the memorization of the electronic document in the storage device for storage, the chief financial officer may instruct the client to start R is the bot with a specific ATM which ensures the retrieval of an electronic document.

After the client has gained access to the ATM, the client can perform actions in accordance with instructions displayed on the screen of the visual display device of the ATM. If the client already has a digital repository for secure data storage, digital certificate and/or private key corresponding to the financial account, the ATM may grant the client a hint that he stuck or held a map corresponding to a digital repository for secure data storage, digital identity and/or personal key through the reader. For example, at step 604, if the client has a map of the current account or credit card, which correspond to the digital repository for the secure storage of data, the customer can insert the map of your current account or credit card that is designed to work with the ATM, the ATM reader with cards or to hold this map over the specified device.

ATM in response to this action on stage 606 reads the number of the financial account corresponding to the card through the reader with the card and gives the client a hint that he entered personal identification number. At step 608, the customer enters a personal identification number POS what edstam keypad or touch screen, which can be configured to display visually perceived image of the keypad. In one variant of the invention, the personal identification number may be a personal identification number consisting of four digits, which corresponds to a financial account of the customer. In other embodiments the invention, the personal identification number can be a special password that is stored in such a way that it is set in correspondence provided to the client digital repository for secure data storage, digital identity of the client and/or his private key. Such a password may contain four or more digits and/or alphanumeric characters. In other embodiments of the invention, the ATM may prompt the user to provide biometric data that serves as a password, via the ATM reader biometric data.

When using this ATM as one of the ATMs, providing many banking transactions, the ATM after entering the customer's personal identification number can display on the screen of such a user interface that is similar to content 100 screen of Phi is. 3. As described above, the displayed contents 100 user interface may contain a selectable function 102, which are cash withdrawals from the account, the escrow Bank cheque, transfer of funds from one account to another and view the electronic document. When using this ATM as a portable ATMs, such as portable ATM 520 of Fig. 16, the ATM can provide immediate retrieval of an electronic document stored in the mailbox for incoming messages", is set in accordance with this ATM, and displaying on the user interface screen similar to shown on the screen content 160 of the user interface of Fig. 6. In that case, if the mailbox for incoming messages" contains more than one electronic document, the ATM may display a list of available electronic documents, enables selection of the appropriate document. Each of the options ATMs at step 610 provide retrieval of the electronic document from the storage device, and at step 612 ensure the display of the visually perceived image of the document.

The client may read the displayed document and enter any necessary information that should be entered in the electronic document the NT. For example, an electronic document may contain conditions that require the client's consent to them in the form of a positive response. Such conditions can be realized including through user interface elements, for example, note boxes, input fields for entering data and/or Windows, drop-down lists that can be checked/released from the mark, edited and/or selected via the ATM input devices.

After reviewing and updating the document using any of the necessary information provided by the client, at step 614, the client can enter data representing a command to perform the operation of supplying an electronic document with a digital signature. In response, at step 616, the ATM may issue to the customer request to provide further evidence that the client confirms that the client wants to use a digital signature as your identity signature that has legal effect. For ATMs that contain graphics tablet for submission of signatures in digital form, this operation supporting data may include the operation of writing the client his/her handwritten signature on a graphics tablet for submission of signature in digital form. Registered digital sample is ukopano signature can then be entered into an electronic document as an integral part to perform the operation of supplying the document is digitally signed.

In response to receiving the entered data confirming ATM / cash machine on stage 618 may provide an electronic document digitally signed using the private key corresponding to the financial account, is read from the card of the client. After the document has been digitally signed, it can be associated with one or more digital identities, including digital certificate corresponding to the financial account. A digital certificate contains the public key of the client, which can be used to authenticate the digital signature on the electronic document. In other embodiments of the invention, an electronic document may contain a sequence number and/or link to organization, address or uniform resource locator (URL)from which can be extracted digital ID client for authentication of the digital signature. In some embodiments the invention, the electronic document can be set in accordance with a digital ID of the organization with the authority to issue digital certificates, which were issued and signed digital ID.

After the electronic document is digitally signed, at step 620, the ATM provides predecoding electronic document by one or more specified addresses to its conclusion. This specified address output may be the address of the source storage device from which the ATM drew electronic document without a signature. This specified address output may be the address part of the shared network disk drive, an electronic "mailbox for outgoing messages". The specified address is output may correspond to the network address, e-mail, database, URL, or address any other external storage device for data storage or communication system which provides electronic document. For example, in one of the embodiments of the invention, which are given by way of example, the specified address is output may contain the URL of the server document processing. For example, if the electronic document corresponds to a loan to buy a car, then the specified address can be the address of the server processing documents of the Bank, giving the client a loan to buy a car.

This server is processing documents can provide authentication of the digital signature of an electronic document. If the signature is authentic, the server processing documents can parse the XML descriptors electronic document to determine the name and address of one of the parties to the transaction and conditions performed by the loans. Then this information can be entered in the banking system of the data processing loans, which opens an account for a loan and triggers the execution of operations necessary to collect payment from the client. In other embodiments of the invention the specified address is output may correspond to the address of the data processing system of granting loans, which insures loans for resale to another Bank or other organization. In other embodiments of the invention the specified address is output can match the address of any system, which handles the storage and/or processing of the signed electronic document.

In one of the embodiments of the invention the specified address is output may be a contained in the ATM parameter configuration that can be changed. In other embodiments of the invention the specified address is output can be defined by the ATM of the parameter of an electronic document. For example, an electronic document may contain an XML descriptor, which contains the address for the specified address is output. In those embodiments of the invention, in which the digital vault for safe storage of the data set in accordance with a financial account of the customer, the ATM may further provide storage of copies of p is dianoga electronic document provided to the client in a digital vault for safe storage, which can be set in accordance with a financial account of the customer.

In the embodiment of the invention at step 622, the ATM may provide for the accrual of payment for processing to provide a digital signature of the involved side, which is set in accordance with the electronic document. ATM provides the account information corresponding to the payment amount for processing by the system for processing financial transactions, such as home banking system or another server, in the database, in the journal or Ledger for immediate or deferred payment. In one of the embodiments of the invention, the processing fees may be charged to the financial account corresponding to the customer's card. In other embodiments of the invention, the processing fees may be charged corresponding to the organization that prepared the electronic document without a signature. For example, the ATM may include a configuration parameter corresponding to the financial account can be charged for processing. For example, in the case of the sale of the vehicle configuration parameter can contain the account number that corresponds to the company for the sale of vehicles or the Bank that provides the loan. At step 622 ATM or servers of the provider or the network service provided is of a digital signature, is set in accordance with this ATM, can exchange information with the system for processing financial transactions, for example with the main banking system, to withdraw from the account the amount of the payment for processing. In one of the embodiments of the invention, an electronic document may contain the account number from which you are taking the amount of the payment for processing. For example, an electronic document may contain an XML descriptor that identifies the account from which to withdraw the payment for processing.

Moreover, in some embodiments of the invention, the ATM may communicate with the system for processing financial transactions, for example with the core banking system or other server, to authorize the withdrawal of a payment processing account before the supply of the document with a digital signature at step 618, or to transfer the signed electronic document at the specified address is output at step 620. In that case, if the account lacks sufficient funds to pay for the processing or if the processing fees cannot be charged with it because of other reasons, ATM / cash machine will invalidate the signature on the electronic document. In this case, the ATM can provide by having an ATM device visual display visual message indicating that the electronic document is e can be digitally signed.

The specified address is output may correspond to the address of the storage device, which allowed the organization that created the document without the signature. For example, in the embodiment related to the sale of cars, the specified address is output may contain the network address of the disk drive, the access to which is permitted by the chief financial officer. In this embodiment the chief financial officer may withdraw the electronic document to print to the client can be sent a copy of an electronic document printed on paper. In other embodiments of the invention, the ATM can support operational communication with the printing device, and may include a selector operation of the output electronic document to print to the receipt of its copy on paper.

In some embodiments of the invention, in which the electronic document was previously signed one or more other parties involved, ATM / cash machine can perform authentication of the signature of the other parties involved before the user is granted permission to perform the supply of the electronic document is digitally signed. For example, in the embodiment of the invention relating to vehicle sales, head of Finance SL is IBI can provide the request for a loan to buy a car with a digital signature before how will access to the electronic document via an ATM. The digital signature of the company for the sale of vehicles can be tested via an ATM before the user will be given the opportunity to put his digital signature on the request for a loan to buy a car. In such cases, an electronic document may contain a digital certificate corresponding to the other parties, such as companies selling cars. The electronic document may also contain digital identity organizations having authority to issue digital certificates, which is signed with a digital identity of the other parties involved.

In the above described embodiment of the invention map the financial account of the customer was previously set in correspondence provided to the client digital repository for secure data storage, digital identity of the client and/or his private key. This variant of the invention can include a method of creating such cards, financial accounts, by means of which it may be possible to provide an electronic document digitally signed by ATM. For example, credit card Issuer, which is, for example, a Bank may have multiple accounts for credit CA is so Because there is a tendency of increasing competition in the field of entrepreneurial activity on credit cards, then add to the credit cards of the Bank's clients the opportunity to put through them, the digital signature may create an additional incentive to ensure that the client had and used credit cards issued by this Bank.

This is described variant of the method can include the operation of creating a Bank or other organization individual digital identities, pairs of public/private keys and/or digital storage for secure data storage for a variety of preexisting financial accounts, such as credit card accounts, or other financial accounts. These individual digital identity, a pair of public/private keys and/or account digital repositories for the safe storage of data can be stored so that they are set in correspondence with each of the financial accounts in one or more of the servers managed by the Bank or the supplier or network services to provide digital signatures. In Fig. 18 schematically shows a variant implementation of the system 700, which performs operations according to the above method. In this embodiment, the system 700 includes a number of banks 702, 704 and the and other financial institutions. In each of the banks, there are many financial accounts 706, 708, such as credit card accounts. For each of these accounts, banks can have your service provider or organization 710, providing a digital signature over the network, which provide control stored in one or more servers 712 storage devices digital identities, pairs of public/private keys and/or digital storage for safe storage.

In the embodiment of the invention, the provider or the network 710 services digital signature contains the main system 714 or support with its operational relationship. The main system provides for multiple ATMs 716 access to network services 710 to provide a digital signature. These services may include, for example, the supply of electronic documents and digital signature and storage of electronic documents in digital vaults for safe storage. As described above, the banks ' clients 702, 704 can use their credit cards or other cards corresponding to financial accounts for the supply of electronic documents and digital signature via ATM. The amount of payment for treatment received for the performance of the signatures on electronic documents can be transferred or placed on account at least one of the organisms the Nations, ensuring the functioning of the network services digital signatures, as well as banks and other card issuers. In one of the embodiments of the invention, the payment processing may be shared between the organization providing the network services digital signature, banks and other card issuers.

To provide advertising that financial accounts can be used to supply electronic documents digital signature is given as an example of the above method may include the operation of marking or drawing on cards issued by the Bank, trademark, such as a logo, picture or label indicating that the card can be used to digitally sign electronic documents. This logo can be a sign service provider, such as a trademark/service mark network 710, providing digital signatures. In addition to customer could easily find ATMs 716, which can be used to sign electronic documents, ATMs 716 may contain the appropriate logo or to carry out its output. For banks or other organizations with a large number of pre-existing financial accounts, such as credit cards, an implementation option described is aemula here, the method can include the operation of distribution customers new credit card, which contain, for example, a logo indicating that the card can be used to supply the electronic document is digitally signed. In one of the embodiments of the invention for access to the ATM to supply an electronic document digitally signed clients may use the personal identification number that was previously set in accordance with their financial account. In other embodiments of the invention, the Bank may provide the user with a unique password used to access network services, providing a digital signature.

In some embodiments, the implementation of the ATM provides the creation of new digital identity for the user that is used to supply an electronic document signature. For example, if the user has not previously issued a digital ID, a pair of keys consisting of a public key and private key and/or a digital warehouse for safe storage of the data set in accordance with a smart card, a portable computing device, a financial account, credit card and/or digital storage for safe storage, ATM / cash machine provides the user with a digital certificate, key pair comprising a public key and private key, and/or digital storage is to store data securely. In some embodiments of the invention, the ATM may provide the user the ability to send the newly created digital certificate in the smart card, a portable media device, a portable computing device, a network storage device for storing data or other user-selectable location or other user-selectable address data storage media for use in the future when setting the signatures on electronic documents by given as an example of the ATM or through other programs and devices to create digital signatures. As described below, in some embodiments of the invention, the ATM may provide the user the ability to match the newly created digital certificate, key pair, consisting of an open key and private key, and/or digital repository for secure storage of map data selected by the user or by the user via the network, providing digital signatures.

With regard to the payment charged for the supply of electronic documents signed, the payment for the creation of digital certificates, key pairs, consisting of a public and private key, and/or digital repository for secure storage of data which may have accrued through the ATM. As described above, this amount may be deducted from the financial account, the financial account stored in such a way that it is delivered in compliance with this ATM, or from a financial account corresponding to the electronic document intended for signature. For example, as described in the above scenario, the signing of electronic documents associated with the provision of loans to purchase cars, ATM / cash machine carries out the calculation of payment for the creation of a digital identity in such a way that it was set in accordance organizations providing electronic documents, for example, a company selling cars or financial institution issuing the loan.

The above variant of the implementation of the ATM may prompt the user to enter in the machine through the input device data, user information, which should be included in a digital certificate and/or delivered in accordance to him. Such information may include the name, address and date of birth of the user. This information may include social security card user, passport number, driver license number, national identification number, student ID or any other unique number corresponding to the user. The information provided to generate a digital certificate may also contain user-entered password or other number used when creating or accessing pairs of public/private keys, while the public key of these pairs is a built-in digital ID.

To accelerate enter information in the machine to generate a digital ID, ATM / cash machine retrieves the requested digital identity information describing a particular user of the electronic document, intended to supply the digital signature via ATM. For example, in the previous example scenario where the user signs the documents for the loan on the car, enter the user name, address, card number, social security, date of birth, driver's license numbers and/or other information describing a particular user, the electronic document corresponding to the operation to provide loans, can be done by the chief financial officer, or other employee of the company for the sale of cars. This information can be stored as XML data, or otherwise read by a computer format, in the electronic document or in such a way that they are in compliance with this electronic the electronic document. Before the user will be given the opportunity to put on an electronic document signed by the ATM, the ATM may access information describing a particular user, which corresponds to the electronic document. ATM can provide an introduction to this information, to which access from the electronic document, the digital identity in addition to any other information which the user directly enters ATM / cash machine on request. In some embodiments of the invention, the ATM may provide output information describing a particular user, via the ATM device output data. Before creating a digital ID ATM can give the user a hint about the need to verify information.

In one of the embodiments of the invention, the ATM can provide information characterizing a particular user in the organization with the authority to issue digital certificates, which gives the user a signed digital ID. In some embodiments of the invention, the ATM can provide information characterizing a particular user, in the above network,providing digital signatures, in the server storage device and/or another server, issuing a digital certificate and/or issuing a digital certificate by interacting with the organization having authority to issue digital certificates.

In one of the embodiments of the invention the network, providing digital signature confirms the authenticity of the provided information describing a particular user, through communication with referral service 720 on the creditworthiness or other database containing information about the user, for comparison and validation of the provided information describing a particular user. If the information characterizing a particular user is incorrect, inappropriate or suspicious for other reasons, given by way of example, the network providing digital signatures, may return to the ATM message indicating refusal to perform generating a digital ID for this user. This message can be specified reasons for the refusal.

Embodiments of the ATM, you may optionally provide the user submitting the request to issue a digital ID, the additional information including the input biometric data, such as MF is produced fingerprint, digital facial image of the user, a matter of the iris image, the read image of the hand or any other input data, which may indicate the identity of the user. This information may be included in the digital ID or set in correspondence with him. This information can also be used to verify the identity of the user before creating a digital ID.

In some embodiments of the invention, the ATM may further prompt the user to insert a card, such as a credit card, smart card, driving licence, national identity card or any other unique map, which can be implemented with existing ATM devices card reader, to extract from it information that characterize a particular user. This information characterizing a particular user may include an account number or other number stored on the card, which can be transmitted in the network, providing digital signature, the system for processing financial transactions, such as home banking system, or any other server used to authenticate the user's identity. In some embodiments of the invention BA is comet may optionally prompt the user to enter via the ATM device input a secret password or personal identification number, the corresponding map. ATM provides authentication of the entered secret password or personal identification number through information exchange with the network, providing digital signatures, with the main banking system or directly from the map.

In some embodiments of the invention, the ATM may further prompt the user to enter data indicating whether the user wants the newly created digital certificate, a pair of public/private keys and/or digital repository for secure storage of data have been set in accordance with a pre-existing financial account of the user, such as a credit card or Bank debit card. In such cases, the ATM may prompt the user to insert the desired map in the existing ATM device card reader or swipe the card through the device. Read from the card account number may be transmitted in the network, providing digital signatures, and may be stored as corresponding to the newly created digital certificate of the user, pairs of public/private keys and/or digital storage for secure data storage. Network, providing digital signatures can be sent in a financial institution, videosescodidos map, the notification that the customer have been delivered in accordance with the account number of this card digital ID, a pair of public/private keys and/or digital repository for secure data storage. A financial institution may then issue the user a new map containing the name or logo of the network, providing digital signatures.

In some embodiments of the invention, the ATM may prompt the user to specify whether the user wants the newly created digital certificate, a pair of public/private keys and/or digital repository for secure storage of data has been delivered in compliance with other cards/numbers that uniquely correspond to the user. These cards can be, for example, by the user card social security card driver's license, national ID card and student ID card. In such cases, the ATM may prompt the user to insert the card with the memorized it required a unique number in the existing ATM device card reader or conduct the specified map through this device. Read from the card unique number can be transmitted in the network, providing digital signatures, and can be stored correlated with the again with the data of the digital identity of the user, pairs of public/private keys and/or digital storage for safe storage.

In some embodiments of the invention, in which the newly created digital certificate, a pair of public/private keys and/or digital repository for secure storage of data is not set in accordance with a financial account or other unique card number of the user, the network, providing digital signature provides for the issuance to the cardholder for the digital signature used to sign the future of electronic documents and access to electronic documents stored in the provided user digital vault for safe storage. Card for digital signatures may contain stored therein a unique account number that corresponds to the newly created digital certificate pairs of public/private keys and/or digital storage for secure data storage. In one of the embodiments of the invention, the ATM may include a device issue cards, which issues the card for a digital signature to the user immediately after creating a digital ID. In other embodiments of the invention create a card for a digital signature may be initiated by the network, providing digital signatures, and this map is otpravlyaut by mail at the address of the user.

After you create a digital certificate, key pair comprising a public key and private key, and/or digital storage to store data securely in the embodiment, the ATM, the user may be prompted to switch to the operation of signing an electronic document using a private key corresponding to the newly created digital certificate. In embodiments of the invention, in which the newly created digital certificate supplied by the user of the financial account or other card/number, or in which the user issued a new card for digital signatures, the ATM may prompt the user to enter via the ATM device input a secret password or personal identification number, which will be placed in accordance map using this map in the future for supply of electronic documents signed and/or for access to electronic documents stored in the newly created digital vault for safe storage. In the future the user can use a credit card, card for digital signatures or other map that corresponds to the newly created digital certificate, key pair comprising a public key and private key, and/or digital repository to be the dangerous storage, to sign other electronic documents in the same or in another ATM that is connected to the network, providing digital signatures. As described above, the ATM may prompt the user to enter a password or personal identification number corresponding to the map before the user will be given the opportunity to sign electronic documents and/or to access electronic documents from a digital repository to store data securely via ATM.

As shown in Fig. 18 variant implementation of the network, providing digital signature may optionally communicate with a public network, such as network 718 Internet that allows the user to access his digital identity to a pair of keys consisting of a public key and private key, and/or to a digital repository to store data securely from your home computer or from another computing device. Network, providing digital signature may further provide services such as the supply of electronic documents with a digital signature and/or memorization of electronic documents in a digital vault for safe storage of the data corresponding to the financial account via the Internet. For example, is one of the embodiments of the invention the network, providing digital signatures may contain a Web server, which allows the user to enter the number of his/her financial account or a number of other card and personal identification number or other password via navigation and viewing (browser)available in PC or other computing device. If the entered information is correct, given by way of example, the network providing digital signatures, may grant the user permission to sign an electronic document using a private key corresponding to the entered number, financial account or the number of the other cards. The Web server may optionally provide Internet users the ability to manage electronic documents, which are stored in servers, storage devices, network 710, providing digital signatures, for example, to browse, copy, delete and sending documents to other places and other locations.

The software used to control the operation of the ATM according to the present invention and associated computers, computing devices and data servers can be loaded from different types of media to the appropriate computers. This software development is s can be contained on one or more carriers, for example, on floppy disks (diskettes), on CD-ROM or digital versatile disks (DVD), and can be loaded with them. Such software may also be contained in such media, such as hard disk drives, magnetic tape, a permanent storage device or memory card. To ensure operation of ATMs and related tools, services, networks, servers and systems for providing a digital signature, as described here variants of the invention, is also suitable and other media containing data representing commands for computers operating in accordance with the method described here.

Embodiments of the ATMs and systems described herein with reference to specific software components, functions and distinctive features. Other embodiments of the invention may include other or different from those described software components, algorithms, digital signatures and cryptographic components that provide similar functionality.

Therefore, a new system and new way to create digital signatures via ATMs provide implementation, at least one of the above objectives, eliminate difficulties encountered when using pre is striding devices and systems, as well as providing problem solving and getting described here the desired results.

In the above description of some of the terms used for brevity, clearness and understanding, but this implies that they do not impose unnecessary restrictions, because these terms are used for illustrative purposes and should be broadly construed. In addition, the description and illustrations provided in the form of examples, and the invention is not limited to the exact details shown on the drawings and described in the specification.

In the following claims any distinctive feature described as a means perform the function should be interpreted as encompassing any means known to specialists in this field of technology, which is able to perform a specified function, and it should not be limited devices demonstrated here or just cash equivalents. Description is given as an example of a variant embodiment of the invention, which is contained in the abstract does not limit the invention described therein distinctive features.

After the descriptions of distinctive features, discoveries and principles of the invention, the method of its implementation and operation, advantages and achieved beneficial effects in prilozhen the th formula of the invention are formulated new and useful structures, devices, elements, options for the layout, detail, total, systems, equipment, operations, methods and relationships.

1. System to enable the user of the ATM to sign an electronic document cryptographic digital signature containing the ATM, the ATM includes at least one computer processing unit; at least one input device, operatively associated with the computer processing unit and at least one visual display device, operatively associated with the computer processing unit, the computer processing unit performs the output of the visually perceived image, at least one of an electronic document through the device visual display in response to input at least one the first data by at least one input device data, and a computer processing unit provides a supply of at least one electronic document cryptographic digital signature using the private key in response to the input, at least one second data through at least one input device data.

2. The system according to claim 1, wherein the computer processing device which provides data through the device visual display output messages prompts the user to enter through at least one input device data confirming information indicating the confirmation of his intention to use a cryptographic digital signature on the electronic document as proof of the signature that has legal effect, however, at least one second data you entered containing the entered confirming information.

3. The system according to claim 1, characterized in that the ATM device further comprises cash, operatively associated with the computer processing unit, the computer processing unit provides, through the device of the cash issuance of banknotes in response to the input, at least one third data through at least one input device data.

4. The system according to claim 2, wherein the ATM further comprises a graphics tablet for submission of signatures in digital form, operatively associated with the computer processing unit, the computer processing unit ensures the reception of at least one of the registered digital sample of a handwritten signature, obtained through a graphic tablet for submission of signature in digital form, and the computer is Noah processing unit enables the registered digital sample of a handwritten signature in the electronic document.

5. The system according to claim 3, wherein the ATM further comprises a device card reader, operatively associated with the computer processing unit, the computer processing unit reads from the card, at least one account number through a reader, and a computer processing unit provides access to the private key by the remote server in response to reading from the card, at least one account number.

6. The system according to claim 5, characterized in that the account number contains the number of the financial account corresponding to the financial account.

7. The system according to claim 6, wherein the computer processing unit provides a supply of an electronic document with a digital time stamp.

8. The system according to claim 7, wherein the ATM includes a working panel, and through the operation panel, the user can access at least one visual display device and to at least one input device, and further comprises visually perceptible signs near the working panel, using a visually perceptible marks displayed the sign designating service provider to provide cryptographic digital signatures is I.

9. The system according to claim 5, wherein the ATM further comprises at least one communication port, operatively associated with the computer processing unit, and a computer processing unit communicates at least one external source through the communication port, the computer processing unit extracts the electronic document from the specified at least one external source.

10. The system according to claim 9, wherein the computer processing unit provides a transfer of the copy of the electronic document, with a cryptographic digital signature, at least one external source.

11. The system according to claim 9, characterized in that at least one external source includes a storage device for storing data to which access can be performed via the network.

12. The system according to claim 9, characterized in that at least one external source includes a portable computing device.

13. The system according to claim 2, wherein the computer processing unit in response to input at least one second data attaches to the electronic document, the statement indicates that the user has confirmed his intention to use cryptographies the th digital signature on the electronic document as its certifying signature legally binding.

14. The system of item 13, wherein the computer processing unit provides a supply of at least the application of a cryptographic digital signature using the optional private key.

15. The system according to claim 3, wherein the ATM further comprises a memory storage device operatively associated with the computer processing unit, and a computer processing unit performs reading and writing data on a portable storage medium, operatively connected to the memory storage device, the computer processing unit retrieves an electronic document from a portable media device.

16. The system of clause 15, wherein the computer processing unit provides storage copy of the electronic document, with cryptographic digital signature on a portable media device.

17. The system according to claim 3, characterized in that it further contains at least one server located away from the ATM, the computer processing unit communicates at least one server and at least one server shall generate cryptographic digital is the second signature in response to receiving the private key.

18. The system of 17, wherein the computer processing unit provides the transmission of the electronic document, at least one server and at least one server shall generate cryptographic digital signature in response to receiving an electronic document.

19. The system of 17, wherein the computer processing unit performs the generation of a unidirectional hash function of an electronic document and its transmission, at least one server and at least one server shall generate cryptographic digital signature in response to receiving a one-way hash function, and a computer processing unit provides obtaining a cryptographic digital signature from at least one server, the computer processing unit attaches a cryptographic digital signature to the electronic document.

20. The system according to claim 3, wherein the computer processing unit communicates at least one server located away from the ATM, and a computer processing unit extracts the private key, at least one server, the computer processing unit carries out the generation cryptog epicheskoi digital signature in response to receiving the electronic document and the private key.

21. The system according to claim 3, wherein the computer processing unit communicates at least one portable computing device, and at least one portable computing device contains a private key, in this case, at least one portable computing device performs the generation of a cryptographic digital signature in response to receiving the private key.

22. The system according to item 21, wherein the computer processing unit provides the transmission of the electronic document, at least one portable computing device, and at least one portable computing device performs the generation of a cryptographic digital signature in response to receiving an electronic document.

23. The system according to item 21, wherein the computer processing unit generates and transmits a one-way hash function of the electronic document, at least one portable computing device, and at least one portable computing device performs the generation of a cryptographic digital signature in response to receiving a one-way hash function, the computer processing unit provides obtaining a cryptographic digital signature from-the nogo computing device, the computer processing unit attaches a cryptographic digital signature to the electronic document.

24. The system according to claim 3, wherein the computer processing unit communicates at least one portable computing device, the computer processing unit extracts the private key, at least one portable computing device, the computer processing unit carries out the generation of cryptographic digital signature in response to receiving the electronic document and the private key.

25. The system according to claim 3, characterized in that the ATM also provides the reader with smart cards, operatively associated with the computer processing unit, and a computer processing unit enables the exchange of data, at least one smart card through the reader with smart cards, smart card stored private key and the smart card performs the generation of a cryptographic digital signature in response to the private key.

26. System A.25, wherein the computer processing unit provides the transmission of an electronic document in INTA the learning map, this smart card performs the generation of a cryptographic digital signature in response to receiving an electronic document.

27. System A.25, wherein the computer processing unit generates and transmits a one-way hash function of an electronic document in a smart card, this smart card performs the generation of a cryptographic digital signature in response to receiving a one-way hash function, and a computer processing unit receives a cryptographic digital signature from the smart card, the computer processing unit attaches a cryptographic digital signature to the electronic document.

28. The system according to claim 3, characterized in that the ATM also provides the reader with smart cards, operatively associated with the computer processing unit, a computer processing unit enables the exchange of data, at least one smart card through the reader with smart cards, smart card stored private key, and a computer processing unit retrieves the private key from the smart card, the computer processing unit of the OS is in charge of the generation of cryptographic digital signature in response to receiving the electronic document and the private key.

29. ATM / cash machine, providing the user an opportunity to sign an electronic document cryptographic digital signature containing at least one computer processing unit; at least one visual display device, operatively associated with the computer processing unit, the computer processing unit performs the output of the visually perceived image of an electronic document via the visual display device; the device card reader, operatively associated with the computer processing unit, the computer processing unit reads from the map of characters corresponding to at least one account number, by the device, card reader, and at least one input device, operatively associated with the computer processing unit, the computer processing unit provides by means of the device visual display popup message that prompts the user to enter through at least one input device data confirming information, displaying the confirmation of his intention to use a cryptographic digital signature on the electronic document as udot Marausa signature legally binding, the computer processing unit in response to the input of the supporting information provides electronic document cryptographic digital signature using the private key corresponding to the account number.

30. ATM / cash machine on clause 29, characterized in that it further contains a graphics tablet for submission of signature in digital form, operatively associated with the computer processing unit, a computer processing unit ensures the reception of at least one of the registered digital sample of a handwritten signature, obtained through a graphic tablet for submission of signature in digital form, the computer processing unit enables the registered digital sample of a handwritten signature in the electronic document to perform supply of the electronic document is digitally signed.

31. ATM / cash machine on clause 29, characterized in that it further contains a device the cash, operatively associated with the computer processing unit, the computer processing unit provides, through the device of a cash withdrawal cash withdrawal in response to receiving at least one additional data, is entered through, at least one input device data.

32. ATM / cash machine on clause 29, wherein the computer processing unit provides access at least one digital repository for secure storage facility located away from the ATM, and the private key stored in such a way that he set in accordance with a digital repository for secure storage, with digital storage for safe storage of data is set in accordance with the account number.

33. ATM / cash machine on p, wherein the computer processing unit provides access at least one server, storage devices, with at least one server storage device operatively connected with at least one storage device for storing data, and at least one storage device for storing data contains the private key stored in such a way that he set in accordance with a digital vault for safe storage.

34. ATM / cash machine on p, wherein the computer processing device provides data through a server storage device memorizes the electronic document, at least one storage device for storing data in such a way that the e-Doc is ment set in accordance with a digital vault for safe storage.

35. ATM / cash machine on clause 29, wherein the account number contains the number of the financial account corresponding to the financial account.

36. ATM / cash machine on p, wherein the computer processing unit enables the transfer of non financial account, at least one remote server, while the remote server accesses the private key in response to receiving non financial account.

37. ATM / cash machine on p, wherein the computer processing unit enables the creation of a cryptographic digital signature to the electronic document via the remote server in response to receiving the private key, the computer processing unit provides reception cryptographic digital signature from a remote server and attach a cryptographic digital signature to the electronic document.

38. ATM / cash machine on clause 37, wherein the computer processing unit attaches to the electronic document, a digital ID, but such a digital certificate contains a public key that can verify the authenticity of a digital signature.

39. ATM / cash machine on clause 29, wherein the computer processing unit provides the creation of a private key and its corresponding public key is a, the computer processing unit liaises with the organization having authority to issue digital certificates, and a computer processing unit enables the generation of a digital certificate containing the public key, the organization having authority to issue digital certificates.

40. ATM / cash machine on 39, wherein the computer processing unit attaches the digital certificate to the electronic document.

41. ATM / cash machine on p, wherein the computer processing unit provides storage private key, digital certificates so that they are set in accordance with a digital vault for safe storage.

42. ATM / cash machine on paragraph 41, wherein the computer processing unit provides the creation of a digital repository for secure storage of data by the remote server.

43. ATM / cash machine on 42, wherein the computer processing unit provides remote server mapping digital vault for safe storage with the financial account with the appropriate account number.

44. ATM / cash machine on clause 29, wherein the computer processing unit to provide the processes creating the private key, the computer processing unit provides storage for the private key in the remote storage device in such a way that it corresponds with the account number.

45. ATM / cash machine on item 44, wherein the account number corresponds to a financial account number.

46. ATM / cash machine on clause 29, wherein the computer processing unit communicates with the system for processing financial transactions, the computer processing unit provides a supply of an electronic document cryptographic digital signature in response to the information received from the system for processing financial transactions.

47. ATM / cash machine on clause 29, wherein the computer processing unit provides a supply of an electronic document additional cryptographic digital signature using the optional private key.

48. ATM / cash machine on p, characterized in that an additional private key is a private key of the notary.

49. ATM / cash machine on clause 29, wherein the computer processing unit provides a supply of an electronic document with a digital time stamp.

50. ATM / cash machine on clause 29, wherein the computer processing unit before performing operations electron supply the CSO document cryptographic digital signature modifies the electronic document in response to the input, at least one additional data through at least one input device data.

51. The way to enable the user of the ATM to sign an electronic document cryptographic digital signature, comprising stages of: (a) access to the electronic document via an ATM; b) displaying an electronic document on the screen via the ATM device visual display; C) prompt the user to enter at least some of the first evidence for the confirmation of his intention to use a cryptographic digital signature on the electronic document as proof of the signature that has legal effect; g) accept at least one first data entered via the ATM at least one input device data d) create a cryptographic digital signature to the electronic document in response to input at least one first data and (e) attach a cryptographic digital signature to the electronic document.

52. The method according to 51, characterized in that it contains the following additional steps performed after step (b): W) register digital sample of a handwritten signature by means available in the ATM tablet to provide the population of a signature in digital form, and C) attach the registered digital sample of a handwritten signature to the electronic document.

53. The method according to 51, characterized in that it contains the following additional steps: (W) take at least one second data entered by at least one input device data; C) in response to input at least one second data provide cash via the ATM device of the cash.

54. The method according to 51, characterized in that it contains the following additional steps are performed before step (d): W) via the ATM device card reader reads the card with a financial account number; C) provide access to the private key that corresponds to a financial account number from the remote server, and in step (d) cryptographic digital signature generated in response to receiving the private key corresponding to the financial account number.

55. The method according to 51, characterized in that it contains the following additional steps: g) create a digital time stamp to the electronic document, and C) attach a digital time stamp to the electronic document.

56. Read through a computer storage medium containing commands, the execution of which by means of at least one available ATM computer provides the implementation of ATM operations, corresponding to the method according to the .51.

57. Method to enable a user with a financial account to sign an electronic document cryptographic digital signature, comprising stages of: a) read the card with a financial account number, through the device of the card reader; b) transmit a financial account number read from the card in the server associated with the network, providing services to a cryptographic digital signature, the server provides storage for the private key in such a way that it is set in accordance with the financial account, and access to the private key is allowed in response to the presence of the correspondence between the financial account number read from the card and financial account, and in response to receiving the private key corresponding to the financial account, provide electronic document cryptographic digital signature.

58. The method according to 57, characterized in that it contains the following additional steps: g) access digital repository for secure storage of data, which corresponds to a financial account number, and e) remember the electronic document to a remote storage device for storing data, which is set in accordance with a digital vault for safe storage.

59. The method according to 57, characterized in that it contains the following additional steps: g) receiving the electronic the electronic document from a remote storage device for storing data and d) transmit an electronic document in an external storage device, located in a different place than the remote storage device to store data.

60. The method according to 57, characterized in that it contains the following additional step is performed before step (C): d) discharge of the visually perceived image of an electronic document through a visual display device, included in the cash containing device of the cash, the ATM provides the reader with a card.

61. The method according to p, characterized in that it contains the following additional step is performed before step (C): d) provide the user the ability to modify the contents of an electronic document by entering at least some of the data available through the ATM, at least one input device data.

62. The method according to p, characterized in that it contains the following additional steps are performed before step (C): d) carry out the registration of digital sample of a handwritten signature by means available in the ATM tablet for submission of signature in digital form and e) attach the registered digital sample of a handwritten signature to the electronic document.

63. The method according to 57, characterized in that it contains the following additional step is performed before step (C): d) offer uses the user to enter, at least some evidence for the confirmation of his intention to use a cryptographic digital signature as proof of the signature that has legal effect, and the step (C) is performed in response to receiving at least some of the data entered.

64. The method according to p, characterized in that it contains the following additional steps performed after step (d): (e) take at least some of the data entered via the ATM at least one input device data, the ATM provides the reader with cards, and g) provide a record of at least some of the data entered, which is remembered so that it is in compliance with the financial account number.

65. The method according to 57, characterized in that in stage (a) a financial account number corresponds to the number of credit cards.

66. The method according to 57, characterized in that it contains the following additional steps are performed before step (b): g) accept at least some of the data entered via the ATM at least one input device data, the ATM provides the reader with cards, and d) transmit the information corresponding to the accepted at least one of the entered data to the server associated with the network, providing at the Luga cryptographic digital signature, the server allows access to the private key in response to determining that the entered data matches the password set in accordance with a private key.

67. The method according to p, characterized in that in step (d)at least one of the entered data matches the biometric data obtained via the ATM reader biometric data.

68. The method according to p, characterized in that in step (d)at least one of the entered data matches the personal identification number of the financial account, while entering a personal identification number carried out via the keypad of the ATM.

69. The method according to 57, characterized in that it contains the following additional step: g) electronic document provide a digital time stamp.

70. Read through a computer storage medium containing commands, the execution of which by means of at least one available ATM computer provides the implementation of ATM operations, corresponding to the method according to 57.

71. The way to enable the user of the ATM to sign electronic documents cryptographic digital signature, comprising stages of: (a) access to the electronic document via an ATM; b) ensure the establishment is their digital identity, the digital certificate contains information regarding the identity of the user of the ATM, and a digital certificate contains the public key corresponding to the private key; C) carry out a visual display of an electronic document on the screen available in the ATM device visual display; d) prompt the user to enter at least some evidence for the confirmation of his intention to use a cryptographic digital signature on the electronic document as proof of the signature that has legal effect; d) accept at least some of the data entered via the ATM at least one input device data; e) create a cryptographic digital signature to the electronic document in response to input at least one of data and obtaining a personal key and f) attach a cryptographic digital signature and the digital certificate to the electronic document.

72. The method according to p, characterized in that it contains the following additional step is performed before step (b): C) removing at least a portion of the information corresponding to the identity of the user of the electronic document.

73. The method according to item 72, characterized in that it contains the following additional step: I) provide create the tion provided to the user of the digital repository for the secure storage of data, located in a remote storage device for storing data, and perform storing digital certificates and private key so that they were set in accordance with a digital vault for safe storage.

74. The method according to p, characterized in that it contains the following additional step: to provide remembering copy of the electronic document, with a cryptographic digital signature, so that it was set in accordance with a digital vault for safe storage.

75. The method according to p, characterized in that in stage (a) access to the electronic document is carried out on a mass storage device for data storage to which access can be performed via the network.

76. The method according to p, characterized in that it contains the following additional step: C) transmit a copy of the electronic document is digitally signed, in a storage device for storing data to which access can be performed via the network.

77. The method according to p, characterized in that it contains the following additional step: C) transmit a copy of the electronic document, with a cryptographic digital signature to the network address specified in the electronic document.

78. The method according to p, characterized in that it contains shadowmemoriesclg step: C) transmit a copy of the electronic document, equipped with a cryptographic digital signature, network address, specified by the ATM.

79. The method according to p, characterized in that it contains the following additional step: C) provide for the removal of the payment for processing the data to provide cryptographic digital signature from the account specified in the electronic document, through information exchange with the system for processing financial transactions.

80. The method according to p, characterized in that it contains the following additional step: C) provide for the removal of the payment for processing the data to provide cryptographic digital signature from the account specified by the ATM, through information exchange with the system for processing financial transactions.

81. The method according to p, characterized in that it contains the following additional steps: C) create a digital time stamp to the electronic document and attach a digital time stamp to the electronic document.

82. The method according to p, characterized in that the ATM device cash.

83. Read through a computer storage medium containing commands, the execution of which by means of at least one available ATM computer provides the implementation of ATM operations, corresponding to the method according to p.

84. System to ensure who is agnosti users of ATMs to sign electronic documents cryptographic digital signature, containing at least one computer processing unit; at least one storage device for storing data, operatively associated with the computer processing unit, with at least one storage device for storing data contains many existing digital repositories for the safe storage of data, and each of the digital repositories for the safe storage of data is set in accordance with at least one private key, the computer processing unit communicates with plenty of ATMs, and a computer processing unit in response to the impact, least one of the ATMs enables the creation of a cryptographic digital signature for an electronic document in response to receiving the private key corresponding to one of the digital storage safe storage.

85. System p, wherein the computer processing unit provides the electronic document from the at least one ATM, the computer processing unit provides storage of an electronic document in a storage device for storing data corresponding to one of the digital storage safe storage.

87. System p, wherein the computer processing unit performs encryption and decryption of the electronic document is stored in at least one storage device for storing data in response to the secret key is derived at least from one of the ATMs.

88. System p, characterized in that each of the digital repositories to store data securely set in accordance with a financial account number, the computer processing unit accesses the private key that corresponds to one of the digital storage for secure data storage in response to receiving at least one ATM message containing the number of the financial account corresponding to the financial account number that corresponds to one of the digital storage safe storage.

89. System p, characterized in that at least one financial account number corresponds to the number of credit cards.

90. System p distinguishing the I, each of the digital repositories for the safe storage of data is set in accordance with at least one digital certificate, the computer processing unit provides the connection to the electronic document, the cryptographic digital signature and at least one of the digital certificates that corresponds to one of the digital storage safe storage.

91. System p, wherein the computer processing unit provides storage and preservation, at least one storage device for storing log data access corresponding to each of the digital repositories for safe storage.

92. System p, characterized in that at least one ATM device cash, with a computer processing unit provides authorization of cash from your cash through communication with the system for processing financial transactions.

93. System p, wherein the computer processing unit provides the creation of new digital repository for secure data storage in a storage device for storing data in response to receiving the data, at least one is h ATMs.

94. System p, wherein the computer processing unit creates a new private key and corresponding public key in response to receiving the data, at least one of the ATMs, the computer processing unit provides storage for the private key in such a way that it is set in accordance with the new digital vault for safe storage.

95. System p, wherein the computer processing unit enables the generation of a digital identity and its memorization in such a way that it is set in accordance with the new digital repository for secure storage, with digital certificate contains the public key.

96. System p, wherein the computer processing unit receives a financial account number, at least from one of the ATMs, the computer processing unit saves the number of the financial account in such a way that it is set in accordance with the new digital vault for safe storage.

97. System p, wherein the computer processing unit receives the password entered at least one ATM, the computer processing device danyhousedue remembering the password entered so what he set in accordance with a new digital vault for safe storage.

98. System p, wherein the computer processing unit receives a one-way hash function of the electronic document, at least one ATM, the computer processing unit enables the generation of a cryptographic digital signature in response to receiving a one-way hash function and the private key.

99. System p, wherein the computer processing unit provides a second cryptographic digital signature for an electronic document in response to receiving the private key that is not associated with one of the digital storage safe storage.

100. System p, wherein the computer processing unit in response to the creation of a cryptographic digital signature for an electronic document provides a withdrawal from the financial account of the payment for processing the data to provide cryptographic digital signatures.

101. The system according to item 100, wherein the computer processing unit receives information of the financial account, at least from one of the ATMs.

102. System p, wherein the computer processing unit is in charge of the AET create a digital time stamp, and its accession to the electronic document.

103. The way to enable the user of the ATM to sign an electronic document cryptographic digital signature, containing the following steps: a) undertake a financial account number from the ATM; b) access to the private key that corresponds to a financial account number, and provide supply electronic document, visually displayed via ATM, cryptographic digital signature using the private key.

104. The method according to p, characterized in that it contains the following additional steps are performed before step (b): g) accept the password from the ATM and e) verify that the password really matches original password that was previously set in accordance with a financial account number.

105. The method according to p, characterized in that it contains the following additional steps: g) provide access to the digital identity that was previously set in accordance with a financial account number, the digital certificate contains the public key corresponding to the private key and the public key can be used for authentication to a cryptographic digital signature, and e) give permission for the digital certificate was supplied in accordance electron is in the document.

106. The method according to p, characterized in that it contains the following additional step: g) provide storage of copies of the electronic document, with a cryptographic digital signature, so that it was set in accordance with a financial account number.

107. The method according to p, characterized in that it contains the following additional steps: g) take the number of the second financial account from the ATM and e) provides payments for processing the data to provide cryptographic digital signature from a financial account corresponding to the number of the second financial account.

108. The method according to p, characterized in that it contains the following additional step: g) provide an electronic document with a digital time stamp.

109. The method according to p, characterized in that it contains the following additional step: g) carry out a cash withdrawal from an ATM.

110. The way to enable the user of the ATM to sign an electronic document cryptographic digital signature, containing the following steps: a) take from the ATM request for supply of the electronic document, visually displayed via ATM, cryptographic digital signature, the request contains the account number corresponding to the digital repository for the secure storage of data; b) the response to the receipt of the account number are accessing the private key, a suitable digital storage for secure data storage, and in response to receiving the private key, create a cryptographic digital signature for the electronic document, and d) attach a cryptographic digital signature to the electronic document.

111. The method according to p, characterized in that it contains the following additional step: d) remember the copy of the electronic document, with cryptographic digital signature in a memory device for storing data corresponding to the digital vault for safe storage.

112. The method according to p, characterized in that in stage (a) the account number corresponds to a financial account number.

113. The method according to p, characterized in that it contains the following additional step: d) carry out a cash withdrawal from an ATM.

114. The way to enable the user of the ATM to sign an electronic document cryptographic digital signature, containing the following steps: (a) accept ATM request for supply of the electronic document, visually displayed via ATM, cryptographic digital signature; b) generate a cryptographic digital signature and a digital time stamp to the electronic document; and C) attach a cryptographic digital signature and a digital time stamp electronome document.

115. The method according to 114, characterized in that it contains the following additional step: g) carry out a cash withdrawal from the specified ATM.

116. The way to enable users of ATMs to sign electronic documents cryptographic digital signature, containing the following steps: a) create multiple digital identities for many individual clients, with each client is set in accordance with the account; b) the digital identities of these individual clients put in the compliance accounts of individual customers; C) for each of the individual clients create at least one card, each card contains a deposited first visually perceptible signs correspond to the sign designating service provider to provide cryptographic digital signature, and each card also contains machine-read information about the account number, the relevant account individual client; d) distribute cards to individual customers, and d) each individual client provide the ability to provide electronic document cryptographic digital signature by any of the many ATMs and one of the cards, with each ATM provides a display of the visually perceived image is agenia electronic document via the ATM device visual display and each ATM provides the supply of the electronic document as the cryptographic digital signature by data exchange with the service provider to provide cryptographic digital signature, communication includes the transfer of the account number read from the card via ATM.

117. The method according to p, characterized in that in stage (d) each of the ATMs contains a second visually perceptible signs correspond to the sign designating service provider for the provision of cryptographic digital signatures.

118. The method according to p, wherein the displaying step (d) of the second characters perform near work panel ATMs, with the first marks and second marks are visually similar.

119. The method according to p, characterized in that in stage (a) each digital certificate contains the public key corresponding to the private key, and in step (C) the service provider to provide cryptographic digital signature ensures the supply of the electronic document as the cryptographic digital signature in response to providing the private key corresponding to the public key of the digital ID, which is set in accordance with account individual customer using the ATM.

120. The method according to p, characterized in that in step (d) the service provider to provide cryptographic digital signature provides access to your private key, with testwuide read from the card account number, while the service provider to provide cryptographic digital signature in response to receiving the private key ensures delivery of the electronic document as the cryptographic digital signature.

121. The method according to p, characterized in that in stage (b) cards match the cards, financial accounts, and accounts in conformity with the financial accounts.

122. The method according to p, characterized in that in step (d) ATMs provide the calculation of the payment for processing the data to provide cryptographic digital signatures for electronic documents, the method comprises the following additional step: (e) provide the possibility of obtaining at least part of the payment processing organization, leading the accounting for financial accounts of individual clients.

123. The method according to p, characterized in that in step (d) ATMs contain graphic tablets for submission of a signature in digital form, while ATMs are included in the electronic document data of a handwritten signature, registered through graphics tablets for submission of a signature in digital form.

124. The method according to p, characterized in that at least some of the ATMs are cash, and the ATM containing devices of cash are cash is eneg.

125. The method according to p, characterized in that in stage (b) Bank cards are payment cards and accounts comply with Bank accounts, while ATMs are cash dispensers and ATMs are cash money taken from their Bank accounts.

126. The method according to p, characterized in that in stage (a) accounts match the accounts of digital storage for secure data storage, and on the stage (in) cards match the cards of digital storage for safe storage.

Priority items:

according to claims 1-3, 5-7, 9-29, 31-51, 53-56, 71, 75, 76, 81-106, 108-115 from 07.03.2001;

according to claims 4, 8, 30, 52, 57-70, 72-74, 77-80, 107, 116-126 of 29.11.2001.



 

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