Digital Signature And Electronic Authentication Law "SEAL" of 1998 was introduced to the United States Senate, as S. The United States Senate is the Upper house of the bicameral United States Congress, the Lower house being the House of Representatives 1594, and was followed closely by H. R. 3472 which was introduced to the House of Representatives. The United States House of Representatives is one of the two chambers of the United States Congress; the other is the Senate. This Bill sought to update the Bank Protection Act of 1968 in regards to electronic authentication techniques by financial institutions, and for other purposes^[1]. Authentication (from Greek αυθεντικός real or genuine from authentes author is the act of establishing or confirming something (or someone as In Financial economics, a financial institution acts as an agent that provides Financial services for its clients or members

Contents 1 Sections from the law 2 Forms of electronic authentication 3 References 4 External links

Sections from the law

The definition of electronic document described in Sec 3(f) of the SEAL ^[1]

(f) DOCUMENT- The term `document' means any message, instrument, information, data, image, text, program, software, database, or the similar item, regardless of how created, if such item can be retrieved or displayed in a tangible form.

Electronic authentication technologies are compliant with Sec 3(g)

(g) ELECTRONIC AUTHENTICATION- The term `electronic authentication' means a cryptographic or other secure electronic technique that allows the user of the technique

(1) to authenticate the identity of or information associated with a sender of a document

(2) to determine that a document was not altered, changed, or modified during its transmission to a recipient, or

(3) to verify that a document received was sent by the identified party claiming to be the sender.

Section 6 of the Digital Signature And Electronic Authentication Law (SEAL) states the electronic authentication may be used if an agreement to use them was made by all parties.

(a) ELECTRONIC AUTHENTICATION OF DOCUMENTS, INFORMATION, AND IDENTITY-

(1) IN GENERAL- A financial institution may use electronic authentication in the conduct of its business if it has entered into an agreement regarding the use of electronic authentication with any counterparty, or if it has established a banking, financial, or transactional system using electronic authentication.

Forms of electronic authentication

• Public key infrastructure (PKI)
• Clickwrap
• Biometric
• Security token
• Password

References

1. ^ ^{a b} Digital Signature And Electronic Authentication Law (SEAL) of 1998

External links

• Text of the law at the Library of Congress
• Senate Banking, Housing and Urban Affairs Committee discusses SEAL
• Federal Reserve Bank of New York on SEAL

In Cryptography, a public key infrastructure ( PKI) is an arrangement that binds Public keys with respective user identities by means of a Certificate A clickwrap Agreement (also known as a "clickthrough" agreement or clickwrap license is a common type of agreement (often used in connection with Software Biometrics ( ancient Greek: bios life metron measure refers to two very different fields of study and application A security token (or sometimes a hardware token, hard token, authentication token, cryptographic token, or key fob) may be a physical In computing a password is a Word or string of characters that is entered often along with a user name, in modern times usually into a computer system

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