CN1162773C - Continuous money deducting method from IC card with PSAM card in case of being incapable of determining trade amount in advance - Google Patents
Continuous money deducting method from IC card with PSAM card in case of being incapable of determining trade amount in advance Download PDFInfo
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- CN1162773C CN1162773C CNB011253010A CN01125301A CN1162773C CN 1162773 C CN1162773 C CN 1162773C CN B011253010 A CNB011253010 A CN B011253010A CN 01125301 A CN01125301 A CN 01125301A CN 1162773 C CN1162773 C CN 1162773C
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Abstract
The present invention relates to a method for continuously deducting money from an IC card by a PSAM card when a transaction amount can not be prior determined The present invention is characterized in that the method comprises a continuous multiple money deduction initialization procedure, a procedure for generating a message authentication code MAC1 of a continuous multiple transaction money deduction unit, a procedure for checking a message authentication code MAC2 of the continuous multiple money deduction unit and a procedure for ending continuous multiple money deduction. By adopting the technical scheme, under the precondition that the present invention accords fully with the user card part of IC card standards of the People's Bank of China, not only can the present invention be used in the traditional one-time money deduction occasions, but also the present invention can be used for the money deduction of the occasions when continuous money deduction is required or the money amount needing to be deducted can not be determined at a time; therefore, the problem of timely money deduction under the condition that the money amount needing to be deducted can not be determined in advance is favorable solved.
Description
Technical field
The present invention relates to the treatment technology of financial terminal to IC-card, specifically a kind of safety of payment access module PSAM card is used for the deducting money method of IC-card.
Background technology
IC-card has obtained utilizing widely in fields such as the finance of China, telecommunications at present.Powerful, the applied range of IC-card especially utilizes IC-card as in a kind of means of payment widespread use daily life, and IC-card can be used in numerous occasions such as shopping, consumption as a kind of desirable replacement magnetic stripe card means of payment.
When IC-card uses as the means of payment at present, mainly be the mode that adopts off line (off-line) to withhold.Generally be after dealing money is determined, IC-card is made consumer sale, disposable finishing withholdd in IC-card, at this situation, People's Bank of China has specially formulated " China's finance integrated circuit (IC) calliper model " (China Finance Press, book number ISBN7-5049-1937-3 for the financial IC card of unified China, 1998.4), preferably resolve the standardization of IC-card and the problem of versatility.
For the transaction that dealing money is determined, adopt above-mentioned processing mode can well solve payment problem.But, another situation is that the amount of money of withholing can't once be determined or the determining of foresight, for determining or foresight determines that example in daily life is a lot, for example make a phone call, refuel or the like, for this situation, generally all be to make a call or adding the oily definite dealing money of just knowing.If adopt after whole process finishes and just can determine the amount of money, in IC-card, once deduct fees then, if the holder takes out card in advance in this process, will cause and to withhold, cause the loss of trade company, because at present a lot of equipment are that nobody holds the self-service equipment of keeping, and adopt this mode just to have very big risk.Therefore it is very important to solve this type of problem.
Present solution mainly is to adopt a kind of being called the mechanism of " ash lock ", and the working method of ash lock is as follows: do ash lock mark before beginning transaction, in card then after deducted amount is definite, to the IC-card transaction of withholing.If withhold successfully, automatically terminate ash lock mark, IC-card can continue normal use; The failure or take out card in advance if withhold, ash lock can not automatically terminate, and this card just cannot continue to have used, and must get back to card sending mechanism and carry out release and handle, and separates the ash disposal lock, handles other formalities (as paying arrears expense) etc. simultaneously, just can continue use then.The requirement of " ash lock " mechanism is a lot, and the IC-card card must be supported grey lock mechanism, and whole transaction system must have perfect ash lock to handle; If once pintle hook lock, the user must postback the mechanism for card release, just can continue to use, bring great inconvenience to the user; More of paramount importance is that the standard of ash lock and People's Bank of China is incompatible, and the financial IC card that meets the People's Bank does not have this mechanism, so cannot adopt on the system of grey lock mechanism or the equipment at these and use.Grey in addition lock mechanism must be formulated new technical standard, and producer could produce the IC-card of new standard according to standard, and is incompatible according to the card of two kinds of standard production.
Summary of the invention
Purpose of the present invention is intended to overcome above-mentioned the deficiencies in the prior art, under the prerequisite of the subscriber card part that meets People's Bank of China's integrated circuit IC-card standard fully, propose a kind of at the IC-card dealing money uncertain or can't the prediction situation under, can in time carry out continuous many disposal routes of withholing.
Realize the technical scheme of above-mentioned purpose: a kind of when dealing money can't be determined in advance safety of payment access module PSAM card (abbreviation of the access module of concluding the business in " China's finance integrated circuit (IC) calliper model ") be used for the continuous money deducting method of IC-card, comprise continuous many initialization steps of withholing, produce the deduct fees message authentication code MAC1 step of unit of continuous many transactions, deduct fees the unit message authentication code MAC2 checking procedure and finish continuous many steps of withholing, wherein
1) continuous many initialization steps of withholing comprise:
A, accumulative total dealing money variable is set, the accumulative total dealing money in the accumulative total dealing money variable is changed to 0;
B, safety of payment access module PSAM portion within it disperse the experimental city sign with whole nation consumption master key GMPK, obtain the consumption master key BMPK of bank;
C, safety of payment access module PSAM portion within it disperse member's line identifier with the consumption master key BMPK of bank, obtain member's row consumption master key MPK;
D, safety of payment access module PSAM portion within it consume master key MPK to number dispersion of card application sequence with member's row, obtain card consumer sub-cipher key DPK;
2) producing the deduct fees step of unit message authentication code MAC1 of continuous many transactions comprises:
A, initial transaction sequence number variable is set and the sequence number variable of closing the trade;
B, judgement begin to deduct fees or follow-up deducting fees, if begin to deduct fees, then give initial transaction sequence number variable with offline transaction sequence number assignment, the sequence number variable equals the initial transaction sequence number with closing the trade season, if follow-up deducting fees then given the sequence number variable of closing the trade with offline transaction sequence number assignment;
C, the pseudo random number that card is transmitted with DPK, offline transaction sequence number, terminal transaction sequence number are encrypted, and obtain process key SESPK, leave in the card as temporary key;
D, with process key SESPK the dealing money of the unit of originally deducting fees, type of transaction sign, terminating machine numbering, trade date and exchange hour are encrypted and to be obtained message authentication code MAC1, message is differentiated that MAC1 sends IC-card to;
3) checking procedure of message authentication code MAC2 that is sent to the unit of deducting fees of safety of payment access module PSAM from IC-card comprises:
A, inspection MAC2 attempt counter, and be not locked as MAC2, with process key SESPK dealing money encrypted and obtained MAC2`, and the data M AC2 in MAC2` and the command message is compared;
B, identical as if the data M AC2 in enciphered data MAC2` among the step a and the command message, then safety of payment access module PSAM card is gone into the dealing money accumulative total of the unit of originally deducting fees in this variable of accumulative total dealing money, changes step c;
C, when closing the transaction, change to finish continuous many flow processs of withholing, otherwise, transmit the follow-up sign of deducting fees by terminal, commentaries on classics safety of payment access module PSAM card produces deduct fees step b in the message authentication code MAC1 process of unit of continuous many transactions;
D, if the data M AC2 in enciphered data MAC2` and the command message is incomplete same among the step a, then safety of payment access module PSAM card often tries counter with MAC2 and subtracts 1, and the loopback status code ' 63Cx ', commentaries on classics step e;
E, when initial transaction sequence number equals to close the trade sequence number, change continuous many initialization steps of withholing, when initial transaction sequence number is not equal to when closing the trade sequence number, change and finish continuous many flow processs of withholing;
If f ' x ' is zero, the PSAM card will lock the national key management ADF of head center at consumption key place;
4) finish continuous many steps of withholing:
A, use data signature key SAMTACK to accumulative total dealing money, type of transaction sign, terminating machine numbering, terminal transaction sequence number, trade date and the exchange hour authentication code TAC that transacts business;
B, terminal offline transaction sequence number add 1.
Described a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, if ' x ' is zero, safety of payment access module PSAM card will lock the national key management ADF of head center that consumes the key place.
The described unit of deducting fees adopts definite value to deduct fees or passes through an algorithm and produces.
Further, the described unit of deducting fees adopts the inferior gradually algorithm that approaches to produce.
The solution that adopts the present invention to propose, owing in whole process of exchange, introduce the notion of the unit of deducting fees, fine solution continuous money deducting or deducted amount can't disposable definite problems.This method does not adopt grey lock mechanism, subscriber card adopts the user's card that meets " China's finance integrated circuit (IC) calliper model " fully simultaneously, the IC-card that meets People's Bank of China's standard that each tame bank sends need not to do any change just can solve this class problem, and the occasion of using is further enlarged.Safety of payment access module PSAM is stuck on the standard of People's Bank of China, increases technique scheme and just can deal with problems.This class safety of payment access module PSAM card not only can be used in traditional occasion of once deducting fees simultaneously, also can be used in the occasion of repeatedly deducting fees.The safety of payment access module PSAM card of original IC-card system can continue to use.
The solution that adopts this paper to propose is compared with the grey lock mechanism of employing, its outstanding technical progress is: once being that subscriber card need not to change and can use, saved social cost greatly, the range of application of the subscriber card of feasible " China's finance integrated circuit (IC) calliper model " enlarges; Originally the IC-card that meets People's Bank of China's standard that sent not needs is done any change and just can be used to make a phone call, refuel occasions such as application; The 2nd, by this disposal route, originally the application of IC-card such as POS equipment, safety of payment access module PSAM card etc. need not done any change; Just, use new safety of payment access module PSAM card instead, the compatible original safety of payment access module PSAM card of new safety of payment access module PSAM card in these occasions that needs continuous money deducting or dealing money once to determine; The 3rd, because pintle hook lock has not been exempted IC-card and temporarily can not have been used inconvenience and the trouble of bringing; Bank also is no longer necessary for the user work of untiing the ash lock is provided simultaneously, has lowered the work difficulty and the pressure of bank.The deduct fees continuous money deducting mode of unit of utilization can replace the disposal route of grey lock mechanism, has solved the problem that continuous money deducting or dealing money can't once be determined up hill and dale.
Embodiment
Below by embodiment, the present invention is further detailed explanation:
Embodiment: a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, comprise continuous many initialization steps of withholing, produce the deduct fees message authentication code MAC1 step of unit of continuous many transactions, deduct fees the unit message authentication code MAC2 checking procedure and finish continuous many steps of withholing, wherein
1) continuous many initialization steps of withholing comprise:
A, accumulative total dealing money variable is set, the accumulative total dealing money in the accumulative total dealing money variable is changed to 0;
B, safety of payment access module PSAM portion within it disperse the experimental city sign with whole nation consumption master key GMPK, obtain the consumption master key BMPK of bank;
C, safety of payment access module PSAM portion within it disperse member's line identifier with the consumption master key BMPK of bank, obtain member's row consumption master key MPK;
D, safety of payment access module PSAM portion within it consume master key MPK to number dispersion of card application sequence with member's row, obtain card consumer sub-cipher key DPK.
Begin continuous many treatment schemees of withholing by continuous many initialization step notice safety of payment access module PSAM cards of withholing, in safety of payment access module PSAM, divide the consumption key of this card that sheds simultaneously, will add up dealing money simultaneously and be changed to 0.
Continuous many initialization commands of withholing are supported multistage consumption key dispersal mechanism, disperse to produce the consumer sub-cipher key DPK of definition in " China's finance integrated circuit (IC) calliper model ".According to bank's IC-card pilot technical scheme, utilize experimental city sign, member's line identifier, number dispersion of card application sequence to draw the consumer sub-cipher key DPK of card.
Safety of payment access module PSAM card consumption treatment scheme according to regulation in " China's finance integrated circuit (IC) calliper model ", the dispersion process of consumption key is determined jointly by the physical length (Lc) and the consumption key of the order data that terminal is sent, if the two is inconsistent, then return error message.
The dispersion process of stipulating in the process of above distributed key and the standard is just the same.
2) the PSAM card produces the deduct fees message authentication code MAC1 step of unit of continuous many transactions and comprises:
A., initial transaction sequence number variable is set and the sequence number variable of closing the trade;
B. transmit according to terminal that parameter decision begins to deduct fees or follow-up deducting fees, deduct fees if begin, then give initial transaction sequence number variable with offline transaction sequence number assignment, simultaneously, make the sequence number variable of closing the trade equal the initial transaction sequence number, if follow-up deducting fees then given the sequence number variable of closing the trade with offline transaction sequence number assignment;
C. the pseudo random number that card is transmitted with DPK, offline transaction sequence number, terminal transaction sequence number are encrypted, and obtain process key SESPK, leave in the card as temporary key;
D. with process key SESPK dealing money, type of transaction sign, terminating machine numbering, trade date (terminal) and the exchange hour (terminal) of the unit of originally deducting fees are encrypted and obtained message authentication code MAC1, MAC1 sends IC-card to the message authentication code.
In this process, all intermediate result only is retained in card inside, and the external world can't obtain.After only carry out this order, just allow to carry out the order of MAC2 verification.
The terminating machine numbering and the terminal transaction sequence number that participate in handling are obtained from card by card operating system.
Deduct fees message authentication code MAC1 (the being called for short MAC1) step of unit of continuous many transactions that above-mentioned generation snaps into IC-card from PSAM, according to the continuous initialization of continuous many buttons, calculate the MAC1 of each unit of deducting fees, produce the MAC1 of definition in " China's finance integrated circuit (IC) calliper model ".According to bank's IC-card pilot technical scheme, utilize DPK, random number and Transaction Information to obtain the process key, and then encryption obtain MAC1.The characteristics that the dealing money of each unit of deducting fees is used according to IC-card by transaction terminal (POS machine) are determined.Can adopt definite value to deduct fees (as: making a phone call) or produce (as: refuel and can adopt gradually the algorithm that time approaches the refuelling station), self-adaptation process of exchange by algorithm.
3) checking procedure of message authentication code MAC2 that is sent to the unit of deducting fees of PSAM card from IC-card comprises:
A. check that MAC2 attempts counter, not locked as MAC2, encryption obtains MAC2` to dealing money with process key SESPK, and the data M AC2 in MAC2` and the command message is compared;
B. identical as if the data M AC2 in enciphered data MAC2` among the step a and the command message, then the PSAM card is gone into the dealing money accumulative total of the unit of originally deducting fees in this variable of accumulative total dealing money, changes step c;
C. when closing the transaction, change and finish continuous many flow processs of withholing, otherwise, transmitting the follow-up sign of deducting fees by terminal, commentaries on classics PSAM card produces deduct fees step b in the message authentication code MAC1 process of unit of continuous many transactions;
D. if the data M AC2 in enciphered data MAC2` and the command message is incomplete same among the step a, then the PSAM card is attempted counter with MAC2 and subtracted 1, and the loopback status code ' 63Cx ' (here ', and x ' is the new value that MAC2 attempts counter), commentaries on classics step e;
E. when initial transaction sequence number equals to close the trade sequence number, change continuous many initialization steps of withholing,, change and finish continuous many flow processs of withholing when initial transaction sequence number is not equal to when closing the trade sequence number.By this step, the MAC2 of verification consumer sale is if verification succeeds is gone into the amount of money accumulative total of the unit of originally deducting fees in this variable of accumulative total dealing money.
In order to guarantee PSAM card antagonism attack, when x=0, the PSAM card will lock the national key management ADF of head center at consumption key place.
In this process, all intermediate result only is retained in card inside, and the external world can't obtain.
If it is 0 that MAC2 attempts counter, the application at consumption key place can only be used after using release under the control of applicating maintenance key locked.
All to be subtracted 1 under the situation of all the consumption key MAC2 check errors under using of the MAC2 error counter under using.
4) finish continuous many steps of withholing:
A, use data signature key SAMTACK to accumulative total dealing money, type of transaction sign, terminating machine numbering, terminal transaction sequence number, trade date and the exchange hour authentication code TAC that transacts business;
B, terminal offline transaction sequence number add 1.
As required, also can in finishing continuous many step a that withhold, add other and need be included in content in the signature, go into as parameter value by terminal.
Finishing continuous many steps of withholing is PSAM card dealing money and consumption datas to whole process, transaction sequence number when comprising accumulative total dealing money, beginning, the transaction sequence number when finishing and terminating machine numbering etc., use a signature key in the PSAM card to sign electronically, the computational algorithm of transaction authentication code TAC is identical in algorithm and " China's finance integrated circuit (IC) the calliper model ".This signature is the affirmation of PSAM card to whole process of exchange.Each bank can have the signature key of oneself.
In sum, PSAM of the present invention is stuck on the standard of People's Bank of China, and only needing above-mentioned several the simple steps of increase just can solve continuous money deducting or deducted amount well can't disposable definite problem.This method does not adopt grey lock mechanism, subscriber card adopts the user's card that meets " China's finance integrated circuit (IC) calliper model " fully simultaneously, the IC-card that meets People's Bank of China's standard that each tame bank sends need not to do any change just can solve this class problem, and the occasion of using has been obtained further expansion.This class PSAM card not only can be used in traditional occasion of once deducting fees simultaneously, also can be used in the occasion of repeatedly deducting fees.Just can deal with problems well such as the PSAM that makes a phone call, adds wet goods and need occasion that continuous money deducting or deducted amount can't once determine to adopt the present invention to revise.
Claims (4)
1, a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, it is characterized in that: comprise continuous many initialization steps of withholing, produce the deduct fees message authentication code MAC1 step of unit of continuous many transactions, deduct fees the unit message authentication code MAC2 checking procedure and finish continuous many steps of withholing, wherein:
1) continuous many initialization steps of withholing comprise:
A, accumulative total dealing money variable is set, the accumulative total dealing money in the accumulative total dealing money variable is changed to 0;
B, safety of payment access module PSAM portion within it disperse the experimental city sign with whole nation consumption master key GMPK, obtain the consumption master key BMPK of bank;
C, safety of payment access module PSAM portion within it disperse member's line identifier with the consumption master key BMPK of bank, obtain member's row consumption master key MPK;
D, safety of payment access module PSAM portion within it consume master key MPK to number dispersion of card application sequence with member's row, obtain card consumer sub-cipher key DPK;
2) producing the deduct fees step of message authentication code MAC1 of unit of continuous many transactions comprises:
A, initial transaction sequence number variable is set and the sequence number variable of closing the trade;
B, judgement begin to deduct fees or follow-up deducting fees, if begin to deduct fees, then give initial transaction sequence number variable with offline transaction sequence number assignment, simultaneously, make the sequence number variable of closing the trade equal the initial transaction sequence number, if follow-up deducting fees then given the sequence number variable of closing the trade with offline transaction sequence number assignment;
C, the pseudo random number that card is transmitted with DPK, offline transaction sequence number, terminal transaction sequence number are encrypted, and obtain process key SESPK, leave in the card as temporary key;
D, with process key SESPK the dealing money of the unit of originally deducting fees, type of transaction sign, terminating machine numbering, trade date and exchange hour are encrypted and to be obtained message authentication code MAC1, message is differentiated that MAC1 sends IC-card to;
3) checking procedure of message authentication code MAC2 that is sent to the unit of deducting fees of safety of payment access module PSAM from IC-card comprises:
A, inspection MAC2 attempt counter, and be not locked as MAC2, with process key SESPK dealing money encrypted and obtained MAC2 ｀, and the data M AC2 in MAC2 ｀ and the command message is compared;
B, identical as if the data M AC2 in enciphered data MAC2 ｀ among the step a and the command message, then safety of payment access module PSAM card is gone into the dealing money accumulative total of the unit of originally deducting fees in this variable of accumulative total dealing money, changes step c;
C, when closing the transaction, change to finish continuous many flow processs of withholing, otherwise, transmit the follow-up sign of deducting fees by terminal, commentaries on classics safety of payment access module PSAM card produces deduct fees step b in the message authentication code MAC1 process of unit of continuous many transactions;
D, if the data M AC2 in enciphered data MAC2 ｀ and the command message is incomplete same among the step a, then safety of payment access module PSAM card often tries counter with MAC2 and subtracts 1, and the loopback status code ' 63Cx ', commentaries on classics step e;
E, when initial transaction sequence number equals to close the trade sequence number, change continuous many initialization steps of withholing, when initial transaction sequence number is not equal to when closing the trade sequence number, change and finish continuous many flow processs of withholing;
4) finish continuous many steps of withholing:
A, use data signature key SAMTACK to accumulative total dealing money, type of transaction sign, terminating machine numbering, terminal transaction sequence number, trade date and the exchange hour authentication code TAC that transacts business;
B, terminal offline transaction sequence number add 1.
2, according to claim 1 described a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, it is characterized in that: if ' x ' is zero, safety of payment access module PSAM card will lock the national key management ADF of head center that consumes the key place.
3, according to claim 1 described a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, it is characterized in that: the unit of deducting fees adopts definite value to deduct fees or produce by an algorithm.
4, according to claim 3 described a kind of when dealing money can't be determined in advance safety of payment access module PSAM card be used for the continuous money deducting method of IC-card, it is characterized in that: the unit of deducting fees adopts gradually the algorithm that time approaches to produce.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB011253010A CN1162773C (en) | 2001-08-08 | 2001-08-08 | Continuous money deducting method from IC card with PSAM card in case of being incapable of determining trade amount in advance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB011253010A CN1162773C (en) | 2001-08-08 | 2001-08-08 | Continuous money deducting method from IC card with PSAM card in case of being incapable of determining trade amount in advance |
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| CN1332408A CN1332408A (en) | 2002-01-23 |
| CN1162773C true CN1162773C (en) | 2004-08-18 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNB011253010A Expired - Fee Related CN1162773C (en) | 2001-08-08 | 2001-08-08 | Continuous money deducting method from IC card with PSAM card in case of being incapable of determining trade amount in advance |
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Families Citing this family (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1316405C (en) * | 2003-03-19 | 2007-05-16 | 大唐微电子技术有限公司 | Method for obtaining digital siguature and realizing data safety |
| CN1321537C (en) * | 2004-11-29 | 2007-06-13 | 上海市电信有限公司 | Electronic paymenting service system and realizing method based on fixed telephone net short message |
| KR101100386B1 (en) * | 2009-09-18 | 2011-12-30 | 한국건설교통기술평가원 | Purcharge Secure Application Module For Compatible Traffic Card And Management Method Therefore |
| CN103593888B (en) * | 2012-08-14 | 2015-09-09 | 国网电力科学研究院 | A kind of intellective IC card, terminal and smart card ash lock application process |
| CN108446974B (en) * | 2018-03-06 | 2023-03-24 | 平安科技（深圳）有限公司 | Data processing apparatus, method and computer-readable storage medium |
| CN110046904B (en) * | 2019-03-21 | 2020-09-11 | 山东高速信联科技有限公司 | ETC card-based refueling function safety payment double-authentication method and system |
| CN113298965B (en) * | 2021-04-15 | 2023-02-17 | 北京云星宇交通科技股份有限公司 | Method and system for preventing PSAM card locking of ETC lane system |
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2001
- 2001-08-08 CN CNB011253010A patent/CN1162773C/en not_active Expired - Fee Related
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