A method for obtaining digital signatures and public-key cryptosystems
Communications of the ACM
Using encryption for authentication in large networks of computers
Communications of the ACM
A user authentication scheme not requiring secrecy in the computer
Communications of the ACM
A high security log-in procedure
Communications of the ACM
Time Sharing Computer Systems
Some cryptographic principles of authentication in electronic funds transfer systems
SIGCOMM '81 Proceedings of the seventh symposium on Data communications
Some cryptographic principles of authentication in electronic funds transfer systems
SIGCOMM '81 Proceedings of the seventh symposium on Data communications
An extensive bibliography on computer networks
ACM SIGCOMM Computer Communication Review
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One essential requirement of an Electronic Funds Transfer (EFT) system is that institutions must be able to join together in a common EFT network such that a member of one institution can initiate transactions at entry points in the domain of another institution. The use of such a network is defined as interchange. Cryptographic implementations are developed for such a network in such a way as to keep personal verification and message authentication processes at different institutions completely separate. This is accomplished through the combined use of user-remembered personal identification numbers (PINs), secret system keys, and intelligent secure (bank) cards on which are recorded secret personal cryptographic keys.