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Re: three digital signature models ... for x9.59
model 2 ... has receiver of the transaction forwarding
the digital signature to the account-authority along
with possibly other transaction information for transaction
approval (including verification of the digital signature).
this looks similar to credit-card model with
the digital signature substituted in place of AVS.
model 3 ... has the receiver of the transaction sending
the account number to the account-authority, and getting
back a signed public key for that account (much more
like online status request). the receiver of the transaction
does the digital signature verification rather than the
both are online operations. model 3 does require the
receiver to have public key processing capability.
model 2 doesn't (itself) have the receiver doing any
public key operations or to have any public key
software or hardware (although other operations in x9.59