[특허]Transaction security system using time variant parameter

Transaction security system using time variant parameter 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	H04L-009/02 G07F-007/10
출원번호	US-0091310 (1987-08-28)
우선권정보	GB-0024917 (1983-09-17)
발명자 / 주소	Brachtl Bruno (Herrenberg DEX) Holloway Christopher J. (London NY GBX) Lennon Richard E. (Saugerties NY) Matyas Stephen M. (Kingston NY) Meyer Carl H. (Kingston NY) Oseas Jonathan (Hurley NY)
출원인 / 주소	International Business Machines Corporation (Armonk NY 02)
인용정보	피인용 횟수 : 120 인용 특허 : 0

초록 ▼

An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centers. Users of the system are issued with intelligent secure bank cards, which include a microprocessor, ROS and RAM stores. The ROS includes a personal key (KP) and an account number (PAN) stored on the card when the issuer issues it to the user. Users also have a personal identity numbe (PIN) which is stored or remembered separately. A transaction is initiated at a retail terminal when a card is inserted in an EPT module connected to the terminal. A request message including the PAN and a session key (KS) is transmitted to the issuers data processing center. The issuer generates an authentication parameter (TAP) based upon its stored version of KP and PIN and a time variant parameter received from the terminal. The TAP is then returned to the terminal in a response message, and based upon an inputed PIN, partial processing of the input PIN and KP on the card a derived TAP is compared with the received TAP in the terminal. A correct comparison indicating that the entered PIN is valid. The request message includes the PAN encoded under the KS and KS encoded under a cross-domain key. Message authentication codes (MAC) are attached to each message and the correct reception and regeneration of a MAC on a message including a term encoded under KS indicates that the received KS is valid and that the message originated at a valid terminal or card.

대표청구항 ▼

An electronic funds transfer (EFT) system in which EFT terminals are connected through a local data processing center to a public switch system, a plurality of card-issuing agencies\data processing centers are also connected to the public switch system and each user of the EFT system has a personal secure intelligent bank card on which is stored a personal account number (PAN) and a personal key (KP), the system including: first local data processing center means at each local data processing center to generate session keys (KS) for each of its locally attached terminals, and to transmit an associated session key to a respective terminal; at each terminal means to store the session key; first card means to generate and store a transaction variable for each transaction initiated at the terminal and to transfer the transaction variable to the terminal; first terminal means to encipher sensitive data under the session key whenever a transaction request message is generated; second terminal means to generate a transaction variable for each transaction initiated at the terminal and to combine the transaction variable generated at the terminal with the transaction variable received from the card to form a composite transaction variable; third terminal means to transfer the transaction variable generated at the terminal and a message request including the terminal-generated composite transaction variable enciphered under KS to the user\s card and means on the card to generate a composite transaction variable from the transaction variable generated and stored on the card and the transaction variable received from the terminal and means on the card to generate a message authentication code (MAC) using a time variant key based upon the user\s PAN, KP and the card-generated composite transaction variable; second card means to return the message request and the MAC to the terminal and subsequently transmit it to local processing center; second local data processing center means at each local data processing center to encipher the appropriate session key under a cross-domain key whenever a transaction request message is received and to add the enciphered key to the message; first node means at each processing node of the public switch system to translate the enciphered session key from encipherment under a received cross-domain key to a transmission cross-domain key; first card-issuing agency\s data processing center means at the card-issuing agency\s data processing center to decipher the enciphered session key and to use the key to decipher any sensitive data contained in the request message; and second card-issuing agency\s data processing center means to regenerate the message authentication code using the time variant key which is generated from parameters based upon the PAN and KP and the received composite transaction variable for comparison with the message authentication code included in the received message.

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IPC	Description
A	생활필수품
A62	인명구조; 소방(사다리 E06C)
A62B	인명구조용의 기구, 장치 또는 방법(특히 의료용에 사용되는 밸브 A61M 39/00; 특히 물에서 쓰이는 인명구조 장치 또는 방법 B63C 9/00; 잠수장비 B63C 11/00; 특히 항공기에 쓰는 것, 예. 낙하산, 투출좌석 B64D; 특히 광산에서 쓰이는 구조장치 E21F 11/00)
A62B-1/08	.. 윈치 또는 풀리에 제동기구가 있는 것

내보내기 구분	파일저장 인쇄 메일전송
구성항목	기본정보 상세정보 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표IPC 관리번호, 국가코드, 자료구분, 상태, 출원번호, 출원일자, 공개번호, 공개일자, 공고번호, 공고일자, 등록번호, 등록일자, 발명명칭(한글), 발명명칭(영문), 출원인(한글), 출원인(영문), 출원인코드, 대표출원인, 출원인국적, 출원인주소, 발명자, 발명자E, 발명자코드, 발명자주소, 발명자 우편번호, 발명자국적, 대표IPC, IPC코드, 요약, 미국특허분류, 대리인주소, 대리인코드, 대리인(한글), 대리인(영문), 국제공개일자, 국제공개번호, 국제출원일자, 국제출원번호, 우선권, 우선권주장일, 우선권국가, 우선권출원번호, 원출원일자, 원출원번호, 지정국, Citing Patents, Cited Patents
저장형식	Text(ASCII format) Excel format PIAS분석(.xls)
메일정보	받는사람 (필수) @ 보내는사람 (선택) @ 제목 내용 KISTI 검색결과 이메일 서비스
안내	총 건의 자료가 검색되었습니다. 다운받으실 자료의 인덱스를 입력하세요. (1-10,000) 검색결과의 순서대로 최대 10,000건 까지 다운로드가 가능합니다. 데이타가 많을 경우 속도가 느려질 수 있습니다.(최대 2~3분 소요) 다운로드 파일은 UTF-8 형태로 저장됩니다. 파일의 내용이 제대로 보이지 않을실 때는 웹브라우저 상단의 보기 -> 인코딩 -> 자동선택 여부를 확인하십시오. ~ Text(ASCII format) Excel format

연합인증

Transaction security system using time variant parameter 원문보기

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대표청구항 ▼

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IPC 상위 출원인

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연합인증

Transaction security system using time variant parameter 원문보기

초록 ▼

대표청구항 ▼

연구과제 타임라인

전체(0) 논문(0) 특허(0) 보고서(0)

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이 특허를 인용한 특허 (120)

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IPC 상위 출원인

AI-Helper ※ AI-Helper는 오픈소스 모델을 사용합니다.

선택된 텍스트