Simple certified e-check with a partial PKI solution

ABSTRACT

In this paper, we propose a simple certified e-check scheme. It is simple because no full PKI setup is needed by the e-check users. Additionally, it provides privacy and flexibility that are not in the current certified e-check scheme. Furthermore, it can be easily implemented on top of the existing Internet banking systems without additional cost. With this simple solution, we hope that the e-check will gain wide acceptance among the general population.

REFERENCES

• 1: Anderson, M. "The Electronic Check Architecture." Financial Services Technology Consortium. September, 1998.
• 2: Shimon Even , Oded Goldreich , Silvio Micali, On-line/off-line digital signatures, Proceedings on Advances in cryptology, p.263-275, July 1989, Santa Barbara, California, United States
• 3: Gelinas, U. and Gogan, J. "The FSTC electronic check project." American Institute of Certified Public Accountants (AICPA) Case Development Program. Case no. 96-10. 1997.
• 4: Ralph C. Merkle, A Digital Signature Based on a Conventional Encryption Function, A Conference on the Theory and Applications of Cryptographic Techniques on Advances in Cryptology, p.369-378, August 16-20, 1987
• 5: Public-Key Infrastructure (X.509) www.larc.usp.br/cmmatayo/ComissaoBrisa/IETF/pkixcharter.html
• 6: Rabin, M. "Digitalized signatures." Foundations of Secure Computation. Academic Press. pp 155--168. 1978.
• 7: The TLS protocol version 1.0 www.consensus.com/ietf-tls/tls-protocol-03.txt
• 8: Adi Shamir , Yael Tauman, Improved Online/Offline Signature Schemes, Proceedings of the 21st Annual International Cryptology Conference on Advances in Cryptology, p.355-367, August 19-23, 2001

INDEX TERMS

Primary Classification:
  K. Computing Milieux
  K.4 COMPUTERS AND SOCIETY
      K.4.4 Electronic Commerce

General Terms:
Security

Keywords:
PKI, certified e-check, e-check