System and Method for Generating Postage

Abstract

A postage generating system and method that allows for the generation of postage without the use of a PSD, while still maintaining the necessary data integrity and non-repudiation aspects. The cryptographic and accounting functions are performed separately when an indicium is generated and reconciled to ensure that every transaction is properly accounted for and funds are deducted from the user's account. The cryptographic functions for an indicium are performed utilizing a cloud-based Hardware Security Module (HSM). Transaction records for indicium generated by an HSM are stored in a database. The accounting is performed by a transaction server, separate and remote from the HSM, to make updates to the client's account to account for generated indicia. An Integrity Monitor Server monitors the consistency of the transactions, i.e., that every transaction performed by an HSM is properly accounted for by the transaction server and funds are deducted from the user's account.

Claims

1. A method for generating an indicium that evidences payment of postage, the method comprising: receiving at a first server a request to generate the indicium from a shipper; retrieving, by the first server, an account associated with the shipper from a database maintained by a second server; generating, by the first server, an indicium data record for the requested indicium, and sending at least a portion of the indicium data record to a third server; performing, by the third server, cryptographic operations one or more parts of the at least a portion of the indicum data record to generate the indicium, the cryptographic operations not including any accounting functions to account for the indicium in the account associated with the shipper; sending, by the third server to the first server, the generated indicium, and sending, by the third server to a fourth server, a transaction log for the generated indicium; storing, by the fourth server, the transaction log in a transaction database maintained by the fourth server; updating by the first server, the account associated with the shipper based on the generated indicium received from the third server, and sending the updated account to the second server; sending, by the second server, an account transaction log to the fourth server; determining, by the fourth server, if there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the second server; if it is determined by the fourth server that there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the second server, removing the transaction log stored in the transaction database that corresponds to the account transaction log received from the second server; and if it is determined by the fourth server that there is not a transaction log stored in the transaction database that corresponds to the account transaction log received from the second server, performing a mismatched transaction error process for the account associated with the shipper.

2. The method of claim 1, wherein the mismatched transaction error process further comprises preventing any further indicia from being generated using the account associated with the shipper.

3. The method of claim 1, wherein if it is determined by the fourth server that there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the second server, the method further comprises: comparing data contained in the transaction log stored in the transaction database with data contained in the account transaction log received from the second server; removing the transaction log stored in the transaction database if the data contained in the transaction log stored in the transaction database matches the data contained in the account transaction log received from the second server; and performing the mismatched transaction error process for the account associated with the shipper if the data contained in the transaction log stored in the transaction database does not match the data contained in the account transaction log received from the second server.

4. The method of claim 1, further comprising: locking, by the second server, the account associated with the shipper after the account has been retrieved by the first server such that no modifications to data in the account can be made; unlocking, by the second server, the account associated with the shipper when the updated account is received from the first server; and updating the account associated with the shipper that is stored in the database maintained by the second server.

5. The method of claim 4, wherein updating the account associated with the shipper that is stored in the database maintained by the second server includes updating register values for a value of postage used for the indicium to account for the indicium in the account associated with the shipper.

6. The method of claim 1, wherein performing cryptographic operations further comprises: generating a digital signature or message authentication code using one or more cryptographic keys.

7. The method of claim 1, further comprising: periodically monitoring, by the fourth server, the transaction database to identify any transaction logs stored in the transaction database that are older than a predetermined threshold time period; and performing the mismatched transaction error process for the account associated with the shipper for any user accounts for which there are transaction logs stored in the transaction database that are older than the predetermined threshold time period.

8. The method of claim 7, further comprising: extracting, by the fourth server, the transaction logs stored in the transaction database that are older than the predetermined threshold time period.

9. The method according to claim 7, wherein the predetermined threshold time period is in the range of approximately 3 seconds to 120 seconds.

10. A method to validate that funds for postage value used to generate a postage indicium have been accounted for in a postage account, the method comprising: receiving, at a first server, a transaction log from a second server for an indicium generated for the postage account, the indicium being generated using cryptographic operations performed by a cryptographic device associated with the second server that is remote from the first server, the cryptographic operations not including any updating of the postage account to account for funds used to generate the indicium; storing, by the first server, the transaction log in a transaction database maintained by the first server; receiving, at the first server, an account transaction log for the postage account from a third server, the third server being remote from the first and second servers, the account transaction log including an update to data stored in the postage account to account for funds used to generate the indicium; determining, by the first server, if there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the third server; if it is determined by the first server that there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the third, removing the transaction log stored in the transaction database that corresponds to the account transaction log received from the third server; and if it is determined by the first server that there is not a transaction log stored in the transaction database that corresponds to the account transaction log received from the third server, performing a mismatched transaction error process for the postage account.

11. The method of claim 10, wherein performing a mismatched transaction error process further comprises preventing any further indicia from being generated using the postage account.

12. The method of claim 10, wherein if it is determined by the first server that there is a transaction log stored in the transaction database that corresponds to the account transaction log received from the third server, the method further comprises: comparing data contained in the transaction log stored in the transaction database with data contained in the account transaction log received from the third server; removing the transaction log stored in the transaction database if the data contained in the transaction log stored in the transaction database matches the data contained in the account transaction log received from the second server; and performing the mismatched transaction error process to prevent any further indicia from being generated using the postage account if the data contained in the transaction log stored in the transaction database does not match the data contained in the account transaction log received from the third server.

13. The method of claim 10, further comprising: periodically monitoring, by the first server, the transaction database to identify any transaction logs stored in the transaction database that are older than a predetermined threshold time period; and performing the mismatched transaction error process to prevent any further indicia from being generated using the postage account if there are transaction logs stored in the transaction database that are older than the predetermined threshold time period.

14. The method of claim 13, further comprising: extracting, by the first server, the transaction logs stored in the transaction database that are older than the predetermined threshold time period.

15. The method according to claim 13, wherein the predetermined threshold time period is in the range of approximately 3 seconds to 120 seconds.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

[0012] The accompanying drawings illustrate presently preferred embodiments of the invention, and together with the general description given above and the detailed description given below, by way of example serve to explain the invention in more detail. As shown throughout the drawings, like reference numerals designate like or corresponding parts.

[0013] FIG. 1 illustrates in block diagram form a system architecture overview of a postage generating system 10 according to an embodiment of the present invention;

[0014] FIG. 2 illustrates in block diagram form an exemplary environment in which the postage generating system 10 of FIG. 1 could be used according to an embodiment of the present invention;

[0015] FIG. 3 illustrates the sequence of how an indicium is created by the Postage Generating System 10 illustrated in FIG. 1 according to an embodiment of the present invention;

[0016] FIGS. 4A and 4B illustrate in flowchart form the operation of the Integrity Monitor Server 40 to monitor and ensure that every transaction performed by the Postage Generating System 10 of FIG. 1 is properly accounted for and funds are deducted from the user's account according to an embodiment of the present invention;

[0017] FIG. 5 illustrates in block diagram form the different operations that the Postage Generating System 10 of FIG. 1 can perform according to embodiments of the present invention; and

[0018] FIG. 6 illustrates in block diagram form a state diagram of the Postage Generating System 10 illustrated in FIG. 1 according to an embodiment of the present invention.

DETAILED DESCRIPTION

[0019] In describing the present invention, reference is made to the drawings, wherein there is seen in FIG. 1 in block diagram form a Postage Generating System 10 (also referred to herein as Next Generation Postage or NGP) according to an embodiment of the present invention. System 10 includes a plurality of servers 12, 20, 30 and 40 that are coupled to a network 14, such as, for example, a virtual private network (VPN), the Internet, or the like. One or more of servers 12, 20, 30 and 40 could be located remotely from each another, or two or more could be co-located within the same data center. Each of the servers 12, 20, 30, 40 can communicate with one or more of the other servers 12, 20, 30, 40 via the network 14. Alternatively, multiple different networks could be provided over which two of the servers 12, 20, 30, 40 can communicate directly with each other, thereby separating the communication traffic between pairs of servers. For example, server 20 and server 40 could be coupled to and communicate via a first network, while server 40 and server 30 could be coupled to and communicate via a second network. Each of the servers 12, 20, 30, 40 may be a mainframe or the like that is specially constructed for the required purposes, or it may comprise a general purpose computer selectively activated or reconfigured by a computer program stored therein to perform the required functions. Such a computer program may alternatively be stored in a computer readable storage medium, such as, but not limited to, any type of disk including floppy disks, optical disks, CD-ROMs, and magnetic-optical disks, read-only memories (ROMs), random access memories (RAMs), EPROMs, EEPROMs, magnetic or optical cards, or any type of media suitable for storing electronic instructions, which are executable by a processing device within each server 12, 20, 30, 40. One of ordinary skill in the art would be familiar with the general components of a server system upon which the method of the present invention may be performed.

[0020] The postage generating service is a cloud computing-based service which performs the traditional metering functions of funds accounting and cryptography. It consists of an Next Generation Postage (NGP) server 12 that coordinates operation of the system 10, a transaction server 20 that is coupled with and maintains a database 22 having an immutable transaction ledger, an integrity monitor server 40 having a transaction store database 42, and one or more FIPS 140-2 level 3 certified Cloud Hardware Security Modules (HSM's) 32 controlled by a Cloud HSM Server 30. Alternatively, the functions of the Cloud HSM 32 could be performed using a cryptographic software library. Cloud HSM's 32 could be, for example, the AWS CloudHSM offered by Amazon Web Services. Unlike conventional PSD's, the HSM's 32 are not dedicated to only a single postage customer, and do not need to be owned by the postage provider, operated by the postage provider, or registered by a post to the postage provider and shared among clients. The Cloud HSM Server 30 provides cryptographic key management and cryptographic operations, and is coupled with a logs database 34 to store records of activity. The immutable transaction ledger in database 22 maintains a cryptographic hash chain of every postage credit and debit transaction, similar to a blockchain. This ensures that transactions cannot be modified or deleted without detection. Thus, key features of the ledger preferably include an append-only functionality, and an immutable, document-based database in which documents are organized in a Merkel Tree using a SHA-256 hash. APIs are provided to verify proof of any document revision against the digest of a maintained journal of activity. The ledger of database 22 is preferably a quasi-blockchain type of ledger, where centralized trust avoids a multiple party consensus and does not incentivize participants to make fraudulent changes. There is no risk of phantom or dirty reads, and a data stream is provided in real time, using for example, a managed, scalable, cloud-based service that allows real-time processing of streaming large amounts of data per second, such as, for example, Amazon Kinesis. In addition, data is encrypted at rest using a standard key management service.

[0021] Each transaction record/journal stored in the ledger of database 22 preferably includes at least a meter serial number, the ascending register value, the descending register value, a piece count, and the transaction contents or reference number, e.g., the indicium data and signature, a refill/add funds/PVD transaction data and signature, a financial reference number (CH trace number, Credit Card transaction ID/confirmation number, etc.), and for short pay adjustment requests from a Post a debit transaction record and signature.

[0022] The NGP Server 12 coordinates the crediting and debiting of funds, cryptographic operations, recording of transactions in the immutable ledger of database 22 and creation of postal reports. The Hardware Security Modules 32 secure the keys associated with each device/client and perform the cryptographic operations necessary to request postage refills and create indicia.

[0023] Referring now to FIG. 2, there is illustrated in block diagram form an exemplary environment in which the Postage Generating System 10 could be used according to embodiments of the present invention. A customer seeking generation of a postage indicium, e.g., merchants (aka shippers) 50 can access a Global Carrier Shipping Platform 54 using APIs 52 to request postage indicia. The GCS Platform 54 is connected to the Postage Generating System 10, and can additionally be connected to a traditional PSD Farm 56. Because the Postage Generating System 10 of the present invention does not require any changes to the already known GCS Platform 54, it can be used in parallel with traditional PSD Farm 56. Each of the PSD Farm 56 and NGP System 10 connect, via a network (e.g., network 14), to a postal provider infrastructure 58 that provides overall management of user's accounts.

[0024] Referring now to FIG. 3, there is illustrated the creation of an indicium by the system 10 illustrated in FIG. 1. In step 70, when the NGP Server 12 receives a request to generate postage, e.g., from a merchant 50, the account data for the requesting merchant is retrieved from the database 22 of the Transaction Server 20. The account data can include, for example, the Post (e.g., USPS, Royal Mail, etc.) under which the indicum will be generated, the meter account number, funds register values (ascending register AR, descending register DR, and piece count), the cryptographic key or keys associated with the account (which may or may not be encrypted), a key identifier (which identifies the key(s) to be used for that account), etc. In step 72, upon providing the account data to the NGP Server 12, the Transaction Server 20 will lock the merchant's account, meaning that no changes can be made to the data stored in that account in database 22. In step 74, the NGP Server 12 performs a Check Account Status function, which can include, for example, determining if the account is currently active, i.e., it has not been suspended or expired due to inactivity, if the cryptographic keys associated with the account have expired or been disabled, and if there are any limits for the AR, DR or Piece Count registers that have been exceeded. In step 76, the NGP Server 12 creates an indicium data record, which can include, for example, the meter account number, postage amount, funds register values or piece count, date, mail class or server, etc. In step 78, if the cryptographic keys are included in the account record associated with the merchant's account, then the cryptographic key(s) are sent to the Cloud HSM Server 30, and a confirmation response is sent back to the NGP Server 12. If the account record includes a key identifier, the key identifier is sent to the Cloud HSM Server 30, which retrieves the identified key(s) from the database 34. The wrapped key(s) are loaded into a selected HSM 32 where it is unwrapped, e.g., decrypted, and ready for use. The wrapped key will also preferably be persisted in a keystore operated by the postage generating system 10. Different types of keys and signing algorithms can be used for compliance with postal requirements. All cryptographic operations are performed by the HSM 32 under control of the Cloud HSM Server 30. For security purposes, an unwrapped key is never available outside of the HSM 32.

[0025] In step 80, the HSM 32 performs the necessary cryptographic functions to generate a digital signature/HMAC (hashed-based message authentication code) for the specific transaction, including the key record, the indicium data, and any other data deemed necessary. Also in step 80, the signed/HMAC'ed indicium is returned to the NGP Server 12 for delivery to the requesting merchant for use. The signature/HMAC can now be used to verify the data integrity and the authenticity of the message (postage indicium), thereby providing evidence that postage was paid. It is important to note that the accounting for the postage, i.e., adjusting the register values, is not performed by the HSM 32, as compared with the prior art postage generating systems where the cryptographic functions and accounting are all performed within the same device, e.g., a PSD. In step 82, the transaction log from the transaction just completed is sent from the Cloud HSM Server 30 to the Integrity Monitor Server 40, and the signed/HMAC'ed indicium is sent to the NGP Server 12. In step 84, upon receiving the signed/HMAC'ed indicium from the Cloud HSM Server 30, the NGP Server 12 updates the account data for the merchant's account, including the register values, piece count, etc., and sends the updated account information to the Transaction Server 20. In step 86, the Transaction Server 20 unlocks the account (it was locked in step 72 above) in database 22, and updates the now unlocked account to include the transaction data from this transaction. Updating the account data includes writing all updated register values and a copy of the indicium transaction, including the signature/HMAC, to the account that is stored in database 22. Thus, it is at this point that the accounting is actually performed, and the register values are actually updated to account for the postage value used for the indicium. A response is sent to the NGP Server 12 indicating a successful update. In step 88, the Transaction Server 20 sends the transaction data to the Integrity Monitor Server 40. To ensure that all transaction are properly accounted for, i.e., for every indicium generated by the Cloud HSM Server 30 there is a corresponding accounting performed by the Transaction Server 20, in step 90 the Integrity Monitor Server 40 checks for consistency of transactions using the transaction logs received from the Cloud HSM Server 30 in step 82 and the transaction data received from the Transaction Server 20 in step 88 as further described below with respect to FIGS. 4A and 4B.

[0026] In accordance with embodiments of the present invention, the Integrity Monitor Server 40 provides the necessary monitoring and security to ensure that every transaction, e.g., creation of an indicium, is properly accounted for and funds are deducted from the user's account. FIGS. 4A and 4B illustrate in flow diagram form the operation of the Integrity Monitor Server 40 to monitor and ensure the consistency of the transactions, i.e., that every transaction performed by the Cloud HSM Server 30 is properly accounted for by the Transaction Server 20 and funds are deducted from the user's account. The Integrity Monitor Server 40 serves as an independent service responsible for checking for consistency between signing activities by a HSM 32 of the Cloud HSM Server 30 and debit/signing records in the stored in the database 22 of Transaction Server 20.

[0027] In step 100, the Integrity Monitor Server 40 receives transaction data in the form of a transaction record from the HSM Cloud Server 30 (refer to step 82 of FIG. 3). In step 102, the Integrity Monitor Server 40 determines the account serial number from each transaction record and in step 104 the transaction data is written to the transaction store 42 in association with the account serial number. Preferably concurrently with steps 100-104, in step 106 the Integrity Monitor Server 40 receives from the Transaction Server 20 the transaction data that was written to the database 22 (refer to step 88 of FIG. 3) in the form of a transaction record. In step 108, the Integrity Monitor Server 40 determines the account serial number from each transaction record. In step 110, the transaction store 42 is searched to find the corresponding transaction data based on the account serial number from the Cloud HSM Server 30 that was stored in step 104. In step 112, it is determined if corresponding transaction data is stored in the transaction store 42. If in step 112 it is determined that there is no corresponding transaction data stored in the transaction store 42, then in step 118 the Integrity Monitor Server 40 will send a mismatched transaction error notice to one or more of the NGP Server 12, the Transaction Server 20 and Cloud HSM Server 30. If corresponding transaction data is found in step 112, then in step 114 the Integrity Monitor Server 40 compares the corresponding transaction data from the Cloud HSM Server 30 stored in the transaction store 42 with the transaction data from the Transaction Server 30 to determine if the data matches, i.e., the data within each of the transaction records corresponds. The transaction data preferably includes, for example, the account serial number, the postage amount, the piece count, the values of the Ascending Register, Descending Register, and Piece Count register, the transaction identification, digital signature, time stamp of the transaction, and other information that uniquely identifies each transaction. If the transaction data matches, providing verification that the transaction performed by the HSM Cloud Server 30 has been properly accounted for by the Transaction Server 20, then in step 116 the transaction record from the Cloud HSM Server 30 that was compared in step 114 is removed from the transaction store 42. If, however, the transaction data does not match, e.g., the postage amount is different, the digital signatures don't match, or any other inconsistency, then in step 118 the Integrity Monitor Server 40 will send a mismatched transaction error notice to one or more of the NGP Server 12, the Transaction Server 20 and Cloud HSM Server 30. In accordance with some embodiments, depending upon the security level desired, comparing the transaction data in step 114 may be optionally performed. In this instance, provided there is some type of corresponding transaction data found in step 112, then step 114 could be skipped and go right to step 116.

[0028] Upon receipt of a mismatched transaction error, in step 120, one or more of several mismatched transaction error processing actions can be performed by one or more of the NGP Server 12, the Transaction Server 20 and/or the Cloud HSM Server 30. In accordance with some embodiments, the account serial number for the mismatched transactions can be added to a Certificate Revocation List (CRL), thereby preventing any further indicia from being generated for that account as the Cloud HSM Server will not allow an HSM 32 to generate digital signatures for any account that is on the CRL. In accordance with some embodiments, the NGP Server 12 can disable any further debiting of the account by the Transaction Server 20 (such as, for example, by locking the account). In accordance with some embodiments, access to the cryptographic keys associated with that account serial number can be disabled by the Cloud HSM Server, thereby preventing any further indicia from being generated for that account. In accordance with some embodiments, operations staff of system 10 could be notified, and the account remain in an active state until further mismatched transactions are encountered.

[0029] The processing performed in FIG. 4A will identify transactions performed by the Cloud HSM Server 30 and Transaction Server 20 that do not correspond, or transactions performed by the Transaction Server 20 for which there is no corresponding transaction performed by the Cloud HSM Server 30. It is also important to identify those situations where an indicium was created, i.e., a transaction was performed by the Cloud HSM Server 30, but there is no corresponding transaction received from the Transaction Server 20 indicating proper accounting for the created indicium has been performed. Referring now to FIG. 4B, there is described the processing performed by the Integrity Monitor Server 40 to identify such instances. In step 130 the Integrity Monitor Server 40 performs a periodic monitoring of transactions stored in the transaction store 42. Recall from step 116 of FIG. 4A that if a transaction corresponding to one stored in the transaction store 42 was found and the transaction data matched, that transaction record was removed from the transaction store 42. Thus, if no corresponding transaction data from the Transaction Server 20 was found for a transaction record from the Cloud HSM Server 30, that transaction record will continue to be stored in the transaction store 42. Such periodic monitoring will identify such transaction records, and is preferably performed every few minutes, e.g., 3-5 minutes, to find transactions that are stored for which no corresponding transaction from the Transaction Server 20 is identified. Performing the monitoring every couple of minutes will allow for any delays within the system 10 of transactions records being sent to the Integrity Monitor Server 40 from the Cloud HSM Server 30 and the Transaction Server 20. In step 132, any transactions stored in the transaction store 42 that are older than a predetermined threshold time period are extracted from the transaction store 42. The predetermined threshold time period is preferably shorter than the time of the periodic processing, and typical values can range from a few seconds, e.g., 3 seconds, to a couple of minutes, e.g., 2 minutes. In step 134, a transaction alert for each of the extracted transactions is sent to one or more of the NGP Server 12, the Transaction Server 20 and Cloud HSM Server 30. In step 136, one or more of several mismatched transaction error processing actions can be performed by the NGP Server 12, the Transaction Server 20 and/or the Cloud HSM Server 30 as previously described with respect to step 120 of FIG. 4A. Thus, while the processing described in steps 114-120 of FIG. 4A addresses those situations in which there are corresponding transactions but the data within each transaction record does not match, the processing described in steps 130-136 of FIG. 4B addresses those situations in which the HSM Cloud Server 30 generated an indicium (thereby generating a transaction record), but there is no corresponding transaction record generated by the Transaction Server 20. This indicates that accounting for the generated indicium has not been performed, and there is potential fraudulent or improper activity that must be investigated. The mismatched transaction error processing can temporarily halt any further activity within the identified customer account, preventing any further fraudulent or improper activity utilizing that account, and thereby maintaining the security and compliance specifications required by the Posts.

[0030] The transaction and integrity monitoring flow implementation of the present invention addresses several functional, performance, security, and compliance requirements: (i) Functional requirements and performance: indicia signing transactions are handled in a secured, accountable, but highly performing manner. Performance supporting high volume concurrent traffic is important especially for automated incoming requests. Process flow and operation are optimized (e.g.: minimize locking time and number of operations to data base 22). (ii) Reliability: transaction records that include financial (postage debit) and signing information are reliably entered in an immutable storage like data base 22. This record is annotated with unique transaction/correlation ID for future reconciliation and reference purpose. (iii) Security: NGP services, including the orchestration and supporting microservices, are constructed to mimic the level of security achieved by conventional hardware-based PSDs. Proper machine level authentication and authorization are in place. Additional measures are incorporated to defend against cyber attacks and frauds. (iv) Compliance: the postage generating system 10 of the present invention provides a similar assurance in terms of integrity checks and balances to conventional hardware-based devices, e.g., a PSD, that provides a single, secured environment that guarantees the integrity between proper debits and signing. For example, the transaction flow involves (a) locks of register balance/value, (b) balance and fund level check, (c) secured signing through Cloud HSM, (d) immutable recording of debit and signing information, and (e) release of register locks. Security is provided via the Cloud HSMs 32 and immutable ledger of database 22, as well as access control to the system 10: [0031] The NGP microservices (key management system, ledger) abstracts and prevents direct calls to Cloud HSM Server 30 and data base 2l layers. [0032] The incoming transaction to the Postage Transaction Manager (PTM, orchestration layer) are authenticated. Note that this is related to machine-machine authentication and not user based. [0033] The indicia cannot be returned from the orchestrator to the requestor without proper recording of the transaction in data base 22.

[0034] FIG. 5 illustrates in block diagram form the different operations that the system 10 can perform. Active Interventions 150 include suspending a postage account 152, which will prevent any funds activity at the request of the postage service provider or a Post, e.g., USPS, and a withdraw postage account 154, where a postage account can be closed at the request of the customer (owner of the postage account), the postage service provider or a Post. Create Postage Account 156 includes creating the necessary keys used for performing the digital signature signing, creating the records for the database 22, and creating the key exchanges and interfaces required. Keys are preferably created by Cloud HSM 32 and wrapped by Cloud HSM 32 for storage in Key Storage 34 and/or the immutable ledger of database 22. Normal Operations 158 include adding funds 160 by crediting the user's account with funds; creating indicia 162 by debiting the user's account and signing/HMAC the indicium data; performing an Audit 164 by creating cryptographic evidence of the account state; signing data capture 166 if required by a Post (data capture is uploading to the Post a record of representative transactions, which could include a summary of transactions or individual transaction data); and updating parameters 168 to change information, e.g., the origin postal code. Infrequent/Exceptions 170 includes Updating Key 172 to generate a new key or perform a key exchange as required; Key Expiration Passed 174 to alert the HSM Cloud Server 30 that a key has expired and any attempts to use an expired key should be rejected; and an Audit Expiration Passed 176 when the time for a required audit has passed with the appropriate audit being conducted, and the account balance cannot be modified until such audit has been completed.

[0035] FIG. 6 illustrates in block diagram form a state diagram for the system 10 showing the functions described with respect to FIG. 5. Upon creation of a postage account 156 an Active State 180 is entered. When in the Active State 180, the system 10 can perform Normal Operations 158, Infrequent/Exceptions Operations 170, and Active Interventions 150 as described above with respect to FIG. 5. The system 10 can remain in the Active State 180 until the account is withdrawn 154, at which point the postage account is removed 182 and no further actions with respect to that account can be performed.

[0036] Table 1 below shows a comparison of the functions performed by the NGP system 10 of the present invention with a conventional PSD Farm 72.

TABLE-US-00001 TABLE 1 Function PSD Farm NGP Signing/HMAC PSD HSM Cluster Key Asymmetric: PSD Asymmetric: HSM Generation Symmetric: Key Symmetric: HSM Management System (KMS) Key Storage Non Volatile Advanced Encryption Memory (NVM) in Standard (AES) Wrapped in PSD Database Key Availability Private: PSD Private: HSM Cluster Symmetric: PSD & Symmetric: HSM Cluster KMS Key Recovery Asymmetric: None AES Wrapped in Database Symmetric: KMS Key Command, Tamper HSM: Command, Tamper Zeroization AES Wrapped in Database: None Funds Balance NVM in PSD Immutable Database Funds Register PSD NGP Server Modification Transaction PSD Independent real-time Integrity monitoring by Integrity Monitor Server Question of Indicia Creation Full Transaction History Accurate Record/Data (database), GCS Logs Registration Capture History, (QAR) GCS Logs Refill Postage-by-Phone Postage-by-Phone Authorization Remote Remote: PB Remote: PB Infrastructure Inspection Infrastructure NGP: Database, NGP Server, PSD: PSD Cloud HSM

[0037] While preferred embodiments of the invention have been described and illustrated above, it should be understood that they are exemplary of the invention and are not to be considered as limiting. Additions, deletions, substitutions, and other modifications can be made without departing from the spirit or scope of the present invention. Accordingly, the invention is not to be considered as limited by the foregoing description but is only limited by the scope of the appended claims.