JP2023167523A - Electronic information storage medium, online transaction approval request method, and program - Google Patents

Abstract

To provide an electronic information storage medium, an online transaction approval request method, and a program capable of inducing the execution of an online transaction in consideration of the transition period of cryptographic calculation methods when an offline transaction approval request is received from a terminal.SOLUTION: An IC chip 1 determines that a terminal 2 does not support ECC in response to a GENERATE AC command indicating an offline transaction approval request from the terminal 2, and if the IC chip determines that an RSA expiration date has passed, it transmits a response including an online transaction approval request to the terminal 2.SELECTED DRAWING: Figure 4

Description

The present invention relates to the technical field of IC chips and the like having multiple cryptographic calculation functions.

BACKGROUND ART The EMV (registered trademark) specification has been known as a de facto standard specification for card systems, as disclosed in Patent Document 1, for example. An IC card that complies with this specification stores, for example, an issuer public key certificate, an ICC public key certificate, etc., and these public key certificates are based on the RSA (Rivest-Shamir-Adleman) cryptographic calculation method (cipher). method). A terminal that obtains a public key certificate from an IC card during a transaction verifies the validity of the public key certificate (in other words, the IC card) using RSA cryptographic operations, and then uses the public key for the transaction. . In recent years, there has been concern that the RSA cryptographic calculation method may be compromised, and it is expected that it will be replaced by an elliptic curve cryptography (ECC) calculation method in the future. During the transition period from the RSA cryptographic system to the elliptic curve cryptographic system, IC cards must store public key certificates generated for each of the RSA cryptographic system and the elliptic curve cryptographic system, and terminals must store public key certificates generated using the RSA cryptographic system and the elliptic curve cryptographic system. It is necessary to be able to perform cryptographic operations using cryptographic operations and elliptic curve cryptographic operations. Since IC cards have an expiration date, it is relatively easy to migrate to the elliptic curve cryptographic calculation method in IC cards, but there are offline-only terminals in circulation that can be used even in places where Internet connection is not possible, and the distribution is slow. It is not easy to migrate all terminals using elliptic curve cryptography to elliptic curve cryptography.

Japanese Patent Application Publication No. 2007-328481

By the way, after the transition period from the RSA cryptographic calculation method to the elliptic curve cryptographic calculation method has expired, the RSA cryptographic calculation method will no longer be available, so terminals that are not compatible with the elliptic curve cryptographic calculation method cannot support offline transactions. An IC card that has completed the transition to the elliptic curve cryptographic calculation method requests data (data in a predetermined format) indicating the cryptographic calculation method supported by the terminal from the terminal during a transaction. However, terminals that have not completed the transition to the elliptic curve cryptographic method do not have the requested data (cannot interpret it), and therefore do not support both the RSA cryptographic method and the elliptic curve cryptographic method. There is a problem in notifying the IC card of the indicated data (for example, zero-padded data). In this case, the conditions of "Issuer Action Code-Online" stored in the IC card (that is, the conditions for executing an online transaction) and the conditions of "Terminal Action Code-Online" stored in the terminal are different. If either of these includes “Offline data authentication was not performed” (that is, one of them is set to “Offline data authentication was not performed”), the terminal will not approve the online transaction. A request will be made to the IC card. However, if the above conditions for both the IC card and the terminal do not include that "offline data authentication was not performed", the terminal will request the IC card to approve the offline transaction, and the terminal will respond to such request. There is a problem with IC cards being allowed to perform offline transactions after undergoing a risk check. Note that the setting of "Offline data authentication was not performed" is an option, and there is no guarantee that this setting is set in all IC cards and terminals in circulation.

Therefore, the present invention has been made in view of such problems, etc., and is designed to allow online transactions to be performed in consideration of the transition period of cryptographic calculation methods when there is a request for approval of offline transactions from a terminal. The purpose of the present invention is to provide an electronic information storage medium, an online transaction approval requesting method, and a program that can guide customers.

In order to solve the above problem, the invention according to claim 1 provides an electronic information storage medium capable of communicating with a terminal, the use of a first cryptographic operation method supported by the electronic information storage medium. In an electronic information storage medium that stores a deadline, receiving means receives a command indicating a request for approval of an offline transaction from the terminal, and in response to the command, the terminal performs a second cryptographic operation different from the first cryptographic operation method. Determine whether the method is unsupported, and determine whether the expiration date of the first cryptographic operation method has passed based on the date included in the command and the expiration date of the first cryptographic operation method. and a determination means for determining whether the terminal does not support the second cryptographic operation method and the expiration date of the first cryptographic operation method has passed; and transmitting means for transmitting a response including an approval request to the terminal.

The invention according to claim 2 is the electronic information storage medium according to claim 1, in which the first cryptographic operation method is an RSA (Rivest-Shamir-Adleman) cryptographic operation method, and the second cryptographic operation method is It is characterized by being an elliptic curve cryptographic calculation method.

The invention according to claim 3 is an electronic information storage medium capable of communicating with a terminal, the electronic information storage medium storing an expiration date of a first cryptographic operation method supported by the electronic information storage medium. A method for requesting approval of an online transaction executed by a computer included in the method includes the steps of receiving a command indicating a request for approval of an offline transaction from the terminal, and in response to the command, the terminal uses a different cryptographic operation method than the first determining whether the second cryptographic calculation method is not supported; and determining whether the expiration date of the first cryptographic calculation method has passed based on the date included in the command and the expiration date of the first cryptographic calculation method. a step of determining whether or not the terminal supports the second cryptographic operation method, and it is determined that the expiration date of the first cryptographic operation method has passed; , transmitting a response including a request for approval of an online transaction to the terminal.

The invention according to claim 4 is an electronic information storage medium capable of communicating with a terminal, the electronic information storage medium storing an expiration date of a first cryptographic calculation method supported by the electronic information storage medium. a receiving means for receiving a command indicating a request for approval of an offline transaction from the terminal; and in response to the command, the terminal does not support a second cryptographic operation method different from the first cryptographic operation method; and, based on the date included in the command and the expiration date of the first cryptographic operation method, determine whether the expiration date of the first cryptographic operation method has passed. a determining means; and if it is determined that the terminal does not support the second cryptographic calculation method and the expiration date of the first cryptographic calculation method has passed, requesting approval of the online transaction; The device is characterized in that it functions as a transmitting means for transmitting a response including a response to the terminal.

According to the present invention, when there is a request for approval of an offline transaction from a terminal, it is possible to guide the user to conduct an online transaction while taking into account the transition period of cryptographic calculation methods.

1 is a diagram illustrating an example of a schematic configuration of a transaction system S. 1 is a diagram showing an example of a schematic configuration of an IC chip 1. FIG. It is a figure showing an example of various data used for processing concerning a transaction. 2 is a flowchart illustrating an example of online transaction approval request processing. 2 is a sequence diagram showing an example of transaction processing performed in the transaction system S. FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The embodiment described below is an embodiment in which the present invention is applied to an IC chip used in a transaction system.

[1. Structure and functions of trading system S]
First, with reference to FIG. 1, the configuration and functions of the transaction system S according to the present embodiment will be explained. FIG. 1 is a diagram showing an example of a general configuration of a trading system S. As shown in FIG. As shown in FIG. 1, the transaction system S includes an IC chip 1, a terminal 2, and an issuer host 3. The IC chip 1 is an example of the electronic information storage medium of the present invention. The IC chip 1 is installed in, for example, an IC card such as a credit card or a cash card, or a mobile device such as a smartphone. An IC card is also an example of an electronic information storage medium. In the case of a mobile device such as a smartphone, the IC chip 1 may be mounted on a small IC card that is removable from the mobile device, or may be installed as an eUICC (Embedded Universal Integrated Circuit Card) so that it cannot be easily removed or replaced from the mobile device. It may also be mounted on a built-in board.

The terminal 2 is, for example, a payment terminal equipped with a reader/writer, and performs processing related to transactions (offline transactions or online transactions) in accordance with the EMV (registered trademark) specifications while communicating with the IC chip 1. It is now possible to do so. Terminal 2 does not support the elliptic curve cryptographic method (an example of the second cryptographic method, hereinafter referred to as "ECC") (in other words, it cannot support ECC), and does not support the RSA cryptographic method (the first cryptographic method, hereinafter referred to as "ECC"). This is an example of a calculation method, and it is assumed that RSA (hereinafter referred to as "RSA") is supported. Also, “Offline data authentication was not performed” is not set in “Terminal Action Code-Online” stored in Terminal 2 (in other words, “Offline data authentication was not performed” is set to 0b) shall be taken as a thing. Furthermore, the terminal 2 stores an RSA CA (Certificate Authority) public key. Furthermore, the terminal 2 is capable of communicating with the issuer host 3 via the network NW. The issuer host 3 is a host computer of an issuer. The issuer host 3 manages the personal information of the holder (owner) of the IC card or mobile device on which the IC chip 1 is mounted, and is able to execute processing related to online transactions.

FIG. 2 is a diagram showing an example of a schematic configuration of the IC chip 1. As shown in FIG. As shown in FIG. 2, the IC chip 1 includes an I/O circuit 11, a RAM (Random Access Memory) 12, an NVM (Nonvolatile Memory) 13, a ROM (Read Only Memory) 14, and a CPU (Central Processing Unit) 15 ( An example of a computer) etc. It is assumed that the IC chip 1 supports both ECC and RSA. The I/O circuit 11 serves as an interface with the terminal 2. Communication between the IC chip 1 and the terminal 2 may be contactless communication or contact communication. In the case of contactless communication, communication between the IC chip 1 and the terminal 2 is performed, for example, via an antenna (not shown) mounted on the IC card.

The NVM 13 is a flash memory or a nonvolatile memory such as an Electrically Erasable Programmable Read-Only Memory. The NVM 13 or ROM 14 stores an operating system (hereinafter referred to as "OS") and programs such as transaction applications (including the program of the present invention). Here, the transaction application is an application for executing processing related to transactions according to the above specifications. Note that the NVM 13 may store transaction applications corresponding to each of a plurality of brands. The NVM 13 also stores the expiration date (data) of the RSA. Furthermore, the NVM 13 stores various data used in processing related to transactions according to the above specifications.

FIG. 3 is a diagram illustrating an example of various data used in transaction-related processing. As shown in Figure 3, various data include AIP (Application Interchange Profile) and AFL (Application File Locator) when ECC is supported, AIP and AFL when RSA is supported, and AIP and AFL when ECC and RSA are not supported. , Issuer Public Key Certificate (ECC), Issuer Public Key Certificate (RSA), ICC Public Key Certificate (ECC), ICC Public Key Certificate (RSA), and “Issuer Action Code-Online”. , PDOL (Processing Options Data Object List).

Here, the AIP and AFL when supporting ECC are the AIP and AFL that are transmitted to the terminal 2 when the terminal 2 supports ECC. The AIP and AFL when supporting RSA are the AIP and AFL that are transmitted to the terminal 2 when the terminal 2 does not support ECC but supports RSA. AIP and AFL when ECC and RSA are not supported are AIP and AFL that are transmitted to the terminal 2 when the terminal 2 does not support both ECC and RSA. It is assumed that “Offline data authentication was not performed” is not set in “Issuer Action Code-Online” (that is, “Offline data authentication was not performed” is set to 0b). The PDOL is a list used to request the terminal 2 for data (at least data indicating the cryptographic calculation method supported by the terminal 2) necessary for processing related to a transaction according to the above specifications. Although omitted in FIG. 3, the various data may include a PIN-encrypted public key certificate used to verify the PIN (Personal Identification Number) input by the holder.

AIP indicates functions such as offline data authentication supported by the IC chip 1. Types of offline data authentication include SDA (Static Data Authentication), DDA (Dynamic Data Authentication), and CDA (Combined Dynamic Data Authentication). The AIP when supporting ECC includes information indicating that offline data authentication performed using ECC is supported (for example, the corresponding bit is "1"). When supporting RSA, the AIP includes information indicating that at least one of SDA, DDA, and CDA implemented using RSA is supported (for example, the corresponding bit is “1”). It will be done. When ECC and RSA are not supported, AIP includes information indicating that offline data authentication performed using ECC and SDA, DDA, and CDA performed using RSA are not supported (e.g. , corresponding bits are all “0”). Note that offline data authentication is not performed when ECC and RSA are not supported.

AFL indicates a storage location (eg, record number) of application data used in offline data authentication and the like. The AFL when ECC is supported, the AFL when RSA is supported, and the AFL when ECC and RSA are not supported have different parts and overlap in content. Application data whose storage location is indicated in AFL when ECC is supported includes the holder's name, holder's membership number, issuer public key certificate (ECC), ICC public key certificate (ECC), and “Issuer Action Code-Online ” etc. are included. Application data whose storage location is indicated in AFL when RSA is supported includes the holder's name, holder's membership number, issuer public key certificate (RSA), ICC public key certificate (RSA), and “Issuer Action Code-Online ” etc. are included. The application data whose storage location is indicated in AFL when ECC and RSA are not supported includes the holder's name, holder's membership number, and "Issuer Action Code-Online", but the issuer public key certificate and ICC public key are Certificates are not included (as offline data authentication is not performed).

The issuer public key certificate (ECC) is generated by encrypting (signing) the ECC issuer public key and the like using the ECC CA private key using the ECC. The ICC public key certificate (ECC) is generated by encrypting the ICC public key for ECC with the issuer private key for ECC using ECC. On the other hand, the issuer public key certificate (RSA) is generated by encrypting the RSA issuer public key and the like using the RSA CA private key. The ICC public key certificate (RSA) is generated by encrypting the ICC public key for RSA using the issuer private key for RSA.

The CPU 15 executes processing related to transactions according to the above specifications according to the program stored in the NVM 13 or the ROM 14, and functions as a receiving means, a determining means, a transmitting means, etc. in the present invention, and performs online transactions within the risk check. Execute approval request processing. FIG. 4 is a flowchart illustrating an example of online transaction approval request processing. The online transaction approval request process shown in FIG. 4 is started when the CPU 15 receives from the terminal 2 a GENERATE AC (Application Cryptogram) command indicating a request for approval of an offline transaction in a process related to a transaction based on the above specifications. Note that the GENERATE AC command (same as the commands described later) is, for example, a command APDU (Application Protocol Data Unit) defined in ISO/IEC 7816-4. The command APDU includes a header part and a body part. The header section consists of CLA (instruction class), INS (instruction code), P1 and P2 (parameters). In particular, the body of the GENERATE AC command includes a date (Transaction Date).

The CPU 15 determines whether or not the terminal 2 does not support ECC in accordance with the received GENERATE AC command, and also determines whether the terminal 2 does not support ECC based on the date (Transaction Date) included in the GENERATE AC command and the expiration date of the RSA. Then, it is determined whether the expiration date of the RSA has passed (step S101). Then, if the CPU 15 determines that the terminal 2 does not support ECC and determines that the RSA expiration date has passed (step S101: YES), the CPU 15 selects the online transaction approval request and A response including a request for approval of the online transaction is transmitted to the terminal 2 (step S102).

[2. Operation of trading system S]
Next, with reference to FIG. 5, the operation of the transaction system S when a transaction is performed using the IC chip 1 will be described. FIG. 5 is a sequence diagram showing an example of transaction processing performed in the transaction system S. When the IC chip 1 receives power by inserting the IC card equipped with the IC chip 1 into the terminal 2 or by holding the IC card or mobile device equipped with the IC chip 1 over the terminal 2, the IC chip 1 The CPU 15 of the chip 1 performs initialization processing with the terminal 2 using the OS (step S1).

In the initialization process, for example, an initial response is made from the IC chip 1 to the terminal 2 in response to a reset signal transmitted from the terminal 2 to the IC chip 1. When the initialization process is completed, the terminal 2 transmits a SELECT command for selecting a transaction application to the IC chip 1 (step S2). The SELECT command includes the application identifier of the trading application that corresponds to the brand used.

Next, upon receiving the SELECT command from the terminal 2, the CPU 15 of the IC chip 1 selects the transaction application identified by the application identifier included in the SELECT command using the OS (step S3), and selects FCI (File Control Information). and transmits to the terminal 2 a response including PDOL requesting at least data indicating the cryptographic operation method supported by the terminal 2 (step S4). The subsequent processing by the CPU 15 is executed by the selected transaction application.

Next, when the terminal 2 receives the response transmitted from the IC chip 1 in step S4, since there is no data requested by PDOL included in the response (in other words, the requested data cannot be interpreted), the terminal 2 transmits the ECC and RSA. A GPO (Get Processing Options) command including data indicating unsupported is transmitted to the IC chip 1 (step S5). The GPO command is a command APDU for requesting AIP and AFL. Note that if the terminal 2 supports ECC, a GPO command including data indicating ECC support is transmitted to the IC chip 1.

Next, when the CPU 15 of the IC chip 1 receives the GPO command from the terminal 2, by referring to the data indicating that ECC and RSA are not supported included in the GPO command, the CPU 15 of the IC chip 1 sets the AIP and AFL when ECC and RSA are not supported to the NVM 13. (Step S6). Next, the CPU 15 of the IC chip 1 transmits the response including the AIP and AFL obtained in step S6 when ECC and RSA are not supported to the terminal 2 (step S7).

Next, when the terminal 2 receives the response sent from the IC chip 1 in step S7, it determines that the IC chip 1 does not support RSA from the AIP included in the response, and sends a Read Record command to the IC chip 1. (Step S8). The Read Record command is a command APDU for reading application data whose storage location is indicated by the AFL included in the response. A record number, which is the storage location of the application data, is set in P1 in the header section of the Read Record command. Note that according to the AIP when ECC and RSA are not supported, "1" is set in the TVR (Terminal Verification Result) stored in the terminal 2, indicating that offline data authentication has not been performed.

Next, upon receiving the Read Record command from the terminal 2, the CPU 15 of the IC chip 1 acquires the application data from the storage location indicated by the Read Record command (step S9). Such application data includes the Holder's name, Holder's membership number, and "Issuer Action Code-Online." Next, the IC chip 1 transmits a response including the application data acquired in step S9 to the terminal 2 (step S10).

Next, upon receiving the response transmitted from the IC chip 1 in step S10, the terminal 2 acquires application data from the response and executes a risk check and action analysis without performing offline data authentication (step S11). ). In this risk check, the terminal 2 checks whether the conditions of "Issuer Action Code-Denial" are met, and if the conditions are not met, the terminal 2 checks the conditions of "Issuer Action Code-Online", "Terminal Action Code-Online" and Analyze TVR (“1”). Here, as mentioned above, since "Offline data authentication was not performed" is not set in both the "Issuer Action Code-Online" condition and the "Terminal Action Code-Online" condition, in other words, offline data Since the failure to perform authentication is not included in the conditions for executing an online transaction, the terminal 2 selects an offline transaction approval request in the action analysis. Next, the terminal 2 transmits a GENERATE AC command indicating a request for approval of the selected offline transaction to the IC chip 1 (step S12).

Next, upon receiving the GENERATE AC command from the terminal 2, the CPU 15 of the IC chip 1 executes a risk check and action analysis (step S13). In this risk check, the CPU 15 of the IC chip 1 checks whether well-known conditions (for example, conditions regarding the cumulative amount of transactions, conditions regarding the success or failure of the previous online transaction, etc.) are met, as well as checking whether or not the conditions are met as shown in FIG. By executing the online transaction approval request process, it is checked whether the terminal 2 does not support ECC and whether the RSA expiration date has passed. If the CPU 15 of the IC chip 1 determines that the terminal 2 does not support ECC and that the RSA expiration date has passed, the CPU 15 of the IC chip 1 issues a request for approval of the online transaction, regardless of the results of other risk checks. is selected, and a response including an authorization request (ARQC (Authorization Request Cryptogram)) for the online transaction is transmitted to the terminal 2 (step S14). Furthermore, if it is determined that Terminal 2 supports ECC or that the RSA expiration date has not passed, the offline transaction may be permitted or rejected, or the online transaction may be rejected, depending on the results of other risk checks. Approval request will be selected.

Next, upon receiving the response transmitted in step S14 from the IC chip 1, the terminal 2 performs online verification (step S15). Online verification is performed between the issuer host 3 and the IC chip 1 via the terminal 2 by transmitting transaction-related data (transaction amount, etc.), ARQC, etc. from the terminal 2 to the issuer host 3. Next, the terminal 2 transmits a GENERATE AC command including the online verification result to the IC chip 1 (step S16).

Next, upon receiving the GENERATE AC command from the terminal 2, the CPU 15 of the IC chip 1 verifies the online verification result and determines whether to permit or reject the transaction (step S17). Next, the CPU 15 of the IC chip 1 transmits a response including data (TC (Transaction Certificate) or AAC (Application Authentication Cryptogram)) according to the result determined in step S17 to the terminal 2 (step S18).

Note that in the above process, the terminal 2 may perform an identity verification process according to the holder verification method before the risk check and action analysis. For example, the terminal 2 encrypts a PIN (Personal Identification Number) that is a personal identification number input by the holder from an input device such as a keypad, and sends a VERIFY command including the encrypted PIN to the IC chip 1. When the IC chip 1 receives the VERIFY command from the terminal 2, it decrypts the encrypted PIN included in the VERIFY command, compares the decrypted PIN with the PIN recorded in advance in the NVM 13, and performs verification. A response including the result is sent to terminal 2.

As explained above, according to the above embodiment, the IC chip 1 determines that the terminal 2 does not support ECC in response to the GENERATE AC command from the terminal 2, which indicates a request for approval of an offline transaction, and , if it is determined that the RSA expiration date has passed, a response including a request for approval of the online transaction is sent to terminal 2, so "Issuer Action Code-Online" and "Terminal Action Code-Online" Regardless of the settings, it is possible to guide online transactions by taking into consideration the ECC transition period, making it possible to realize more secure transactions.

In the above embodiment, the RSA cryptographic method and the elliptic curve cryptographic method were explained as examples of multiple cryptographic calculation methods, but the present invention can also be applied to other public key cryptographic calculation methods in the future. It is possible.

1 IC chip 2 terminal 3 issuer host 11 I/O circuit 12 RAM
13 NVM
14 ROM
15 CPU

Claims (4)

An electronic information storage medium that can communicate with a terminal and stores an expiration date of a first cryptographic operation method supported by the electronic information storage medium,
Receiving means for receiving a command indicating an offline transaction approval request from the terminal;
In response to the command, it is determined whether the terminal does not support a second cryptographic calculation method different from the first cryptographic calculation method, and the date and the first cryptographic calculation method included in the command are determined. determining means for determining whether the expiration date of the first cryptographic operation method has passed based on the expiration date of the first cryptographic operation method;
If it is determined that the terminal does not support the second cryptographic calculation method and it is determined that the expiration date of the first cryptographic calculation method has passed, the response including the online transaction approval request is sent to the terminal. A transmission means for transmitting data to a terminal;
An electronic information storage medium comprising: The electronic information storage according to claim 1, wherein the first cryptographic operation method is an RSA (Rivest-Shamir-Adleman) cryptographic operation method, and the second cryptographic operation method is an elliptic curve cryptographic operation method. Medium. An electronic information storage medium that can communicate with a terminal, and that is executed by a computer included in the electronic information storage medium that stores an expiration date of a first cryptographic operation method supported by the electronic information storage medium. In the transaction approval request method,
receiving a command from the terminal indicating a request for approval of an offline transaction;
In response to the command, it is determined whether the terminal does not support a second cryptographic calculation method different from the first cryptographic calculation method, and the date and the first cryptographic calculation method included in the command are determined. determining whether the expiration date of the first cryptographic operation method has passed based on the expiration date of the first cryptographic operation method;
If it is determined that the terminal does not support the second cryptographic calculation method, and it is determined that the expiration date of the first cryptographic calculation method has passed, the response including the online transaction approval request is sent to the terminal. a step of transmitting to the terminal;
A method for requesting online transaction approval, the method comprising: A computer included in an electronic information storage medium that is communicable with a terminal and stores an expiration date of a first cryptographic operation method supported by the electronic information storage medium,
Receiving means for receiving a command indicating an offline transaction approval request from the terminal;
In response to the command, it is determined whether the terminal does not support a second cryptographic calculation method different from the first cryptographic calculation method, and the date and the first cryptographic calculation method included in the command are determined. determining means for determining whether the expiration date of the first cryptographic operation method has passed based on the expiration date of the first cryptographic operation method;
If it is determined that the terminal does not support the second cryptographic calculation method and it is determined that the expiration date of the first cryptographic calculation method has passed, the response including the online transaction approval request is sent to the terminal. A program characterized by functioning as a transmission means for sending data to a terminal.

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