JP2011197985A - Royalty management system, royalty management method, and token - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which is capable of calculating a royalty pertaining to use of a token when an issuing company of an IC card inserted to the token and a company which has distributed the token differ from each other.SOLUTION: In a token 2, at least a bank code, i.e., a company code of a financial institution which has distributed the token 2 to a user is stored. An OTP which the token 2 generates in cooperation with a cash card 3 includes an authentication code generated by the cash card 3 as well as this company code. When a company code included in the OTP received via a network and the company code of an issuing company of the cash card 3 which has generated the authentication code differ from each other, an authentication device 6 stores usage log including: the company code of the issuing company of the cash card 3 which has generated the authentication code; and the company code included in the OTP.

Description

  The present invention relates to a technique for managing the use of tokens used together with an IC card such as a cash card.

  With the advent of the network society, a large number of virtual stores have been established on the network, and network payments using financial payment cards such as cash cards have become widespread. It is necessary to take some measures against misconduct.

  In order to reduce fraud, it is necessary to authenticate the cardholder at the time of network settlement. For example, in Patent Document 1, the cardholder is strongly authenticated at the time of network settlement, and the presence of the card and the cardholder An invention is disclosed that can provide clear evidence that a transaction has begun.

  Authentication of cardholders has been done for a long time by using a password to authenticate the cardholder, but if the password is leaked by a phishing site, etc., the leaked password will be used illegally. As disclosed in Patent Literature 1 and Patent Literature 2, network payments requiring high security are increasingly using different one-time passwords each time user authentication is performed, instead of a fixed password.

  A different one-time password for each user authentication can be generated by software using an application installed in a personal computer, but confidential data (for example, an encryption key) used for generating an OTP is personal. Since there is a possibility of leakage from a computer, it is common to generate an OTP by cooperating a token and a cash card as disclosed in Patent Document 3.

  When an OTP is generated by cooperating a token and a financial card, the company that issued the financial card distributes the token to the user. At present, even when a token can be shared and used by a plurality of financial institutions, when the user possesses a plurality of financial cards, the token is distributed to the user for each financial institution. This is because only the financial institution that distributed the token bears the token cost, so there was a problem if the distributed financial institution did not allow shared use.

JP 2005-519375 A Japanese Patent No. 4388039 Special table 2007-503646 gazette

  Accordingly, an object of the present invention is to provide a system, a method, and a token that can calculate a royalty related to the use of a token when the issuing company of the IC card inserted in the token is different from the company that distributes the token.

  A first invention that solves the above-described problem is a system that includes at least a token that generates a passcode in cooperation with an IC card and an authentication device that authenticates a one-time password (OTP) generated by the token. The IC card includes an authentication code generation means for generating an authentication code based on a predetermined counter, and the token causes the IC card to generate an authentication code according to a predetermined procedure, and And an OTP generation unit configured to generate an OTP including the company code stored in the token and the authentication device generates the company code and the authentication code included in the OTP received via the network. If the company code of the IC card issuer is different, issue the IC card that generated the authentication code It is the loyalty management system characterized that includes a usage log storage means for storing a usage log including the company code included in the company's company code and the OTP.

  As in the first invention, when the company code included in the OTP received via the network is different from the company code of the issuing company of the IC card that generated the authentication code, the IC that has generated the authentication code If the usage log including the company code of the card issuing company and the company code included in the OTP is stored, the usage log is aggregated at regular intervals, even though the above is not distributed, The royalty for the company using the token can be calculated.

  Further, in the second invention, the authentication device includes an OTP authentication unit that authenticates the authentication code included in the OTP received via a network, and the usage log storage unit of the authentication device stores the OTP in the OTP. When the authentication code included in the authentication code is successfully authenticated, the usage log corresponding to the authentication code authentication method is stored.

  Only when the authentication code included in the OTP is successfully authenticated, the user is allowed to use a predetermined service. Therefore, as in the second aspect, the authentication code included in the OTP is successfully authenticated. It is desirable to store the usage log only at times.

  Furthermore, in the third invention, when the OTP authentication unit of the authentication device authenticates the authentication code using a seed received via a network, the usage log storage unit of the authentication device The loyalty management system according to the second invention, wherein all or part of the usage log is included.

  If all or part of the seed is included in the usage log as in the third aspect of the invention, royalty can be calculated in correspondence with the data included in the usage log.

  Furthermore, the fourth invention is a method using a token for generating a passcode in cooperation with an IC card and an authentication device for authenticating a one-time password (OTP) generated by the token, wherein the token is The authentication code is generated by the IC card in accordance with a predetermined procedure, and an OTP including all or a part of the authentication code and the company code stored in the token is generated. When the company code included in the received OTP is different from the company code of the IC card issuing company that generated the authentication code, the company code of the IC card issuing company that generated the authentication code is included in the OTP. A loyalty management method characterized in that step b for storing a usage log including a company code is executed. .

  Further, in a fifth aspect of the present invention, in the step b, when the authentication device authenticates the authentication code included in the OTP received via the network and succeeds in authenticating the authentication code included in the OTP. Only the royalty management method according to the fourth aspect of the invention is characterized in that the process of storing the usage log is executed.

  Further, according to a sixth aspect of the present invention, in the step b, when the authentication device authenticates the authentication code using a seed received via a network, all or part of the seed is included in the usage log. The loyalty management method according to the fifth aspect of the invention.

  Further, the seventh invention is a token that cooperates with an IC card having a function of generating an authentication code, wherein the IC card generates an authentication code according to a predetermined procedure, and all or a part of the authentication code The token includes an OTP generation means for generating an OTP including the company code stored in the token.

  Thus, according to the present invention described above, a system, a method, and a token can be provided that can calculate a royalty related to the use of a token when the issuing company of the IC card inserted in the token and the company distributing the token are different. With the goal.

The figure explaining the structure of a royalty management system. The figure explaining a token. The figure explaining the function with which the authentication apparatus was equipped. The flowchart explaining the process performed with a royalty management system. The flowchart explaining the detail of an OTP production | generation process. The flowchart explaining the detail of an OTP authentication process. Supplementary diagram of OTP generation processing.

  From this, the embodiments of the present invention will be described to the extent that those skilled in the art of the present invention can understand the contents of the present invention and implement the present invention.

  FIG. 1 is a diagram for explaining the configuration of a royalty management system 1 according to the present embodiment. This embodiment is an embodiment in which the present invention is applied to the royalty management of token 2 used for Internet banking. The royalty management system 1 shown in FIG. 1 has an IC card type cache as an IC card possessed by the user. Token 2 that generates a one-time password (OTP: One-Time Password) in cooperation with the card 3 and the IC card (here, the cash card 3), and a function that authenticates the OTP generated by the token 2 Authentication device 6, terminal device 4 (for example, a personal computer) to which OTP generated by token 2 is input, and Web server 5 having an internet banking function are included. Each Web server 5 is connected to the Internet 7.

  In the present embodiment, the token 2 stores at least a financial institution code that is a company code of a financial institution company (for example, a bank) that distributes the token 2 to users, and the token 2 cooperates with the cash card 3. The OTP generated in this way includes the financial institution code stored in the token 2 in addition to the authentication code generated by the cash card 3.

  In this embodiment, when the OTP generated by the token 2 is transmitted via the Web server 5, the authentication device 6 authenticates the authentication code included in the OTP and extracts the financial institution code from the OTP. When the financial institution code of the issuing company of the cash card 3 that generated the authentication code is different from the financial institution code extracted from the OTP, the token 2 was used for Internet banking processing of the issuing company of the cash card 3 that generated the authentication code A usage log indicating that this is stored.

  If the issuing company of the cash card 3 inserted in the token 2 and the company distributing the token 2 are different, a usage log indicating that the token 2 has been used for Internet banking processing of the issuing company of the cash card 3 is stored. In this case, the usage logs are collected every fixed period, so that royalty for companies that use token 2 for Internet banking processing can be calculated even though token 2 is not distributed.

  From here, the token 2, cash card 3 and authentication device 6 included in the royalty management system 1 shown in FIG. 1 will be described.

  First, the cash card 3 possessed by the user will be described. The cash card 3 possessed by the user is an IC card conforming to the Zenginkyo IC cash card standard specification, and an application for using Internet banking is mounted on the cash card 3.

  The details of the IC card conforming to the Zenginkyo IC Cash Card Standard Specification are described in various documents such as the Zenginkyo IC Cash Card Standard Specification, so the detailed explanation of the Cash Card 3 is omitted here, but the authentication code For generation, a GenerateAC1 (Generate Application Cryptogram) command defined in the Zenginkyo IC Cash Card standard specification is used, and an AC (Application Cryptogram) that is a ciphertext included in the response of the GenerateAC1 command is used as an authentication code.

  AC included in the response of the GenerateAC1 command is data generated according to a predetermined algorithm based on an ATC (Application Transaction Counter) stored in the cash card 3, and the ATC is used every time the cash card 3 is used for transactions. Since it is incremented, AC can be used as an OTP authentication code for the counter synchronization method.

  FIG. 2 is a diagram for explaining the token 2, FIG. 2 (a) is a diagram for explaining the appearance of the token 2, and FIG. 2 (b) is a diagram for explaining an internal circuit of the token 2.

  As shown in FIG. 2A, the token 2 is used for inputting an insertion slot 23 into which a cash card 3 possessed by a user is inserted and a seed (for example, transaction related data) of an authentication code included in the OTP. A numeric keypad 21, a display 22 used to display data input to the token 2 and an OTP generated by the token 2, and selection buttons 20 a and b for selecting an OTP generation method. .

  The selection button 20a shown in FIG. 2A is a button for executing an OTP generation method that does not require the input of an authentication code seed, and the selection button 20b is an authentication code seed (for example, a challenge). , Transaction type, transaction amount, etc.) is a button for executing an OTP generation method that requires input.

  As shown in FIG. 2B, the token 2 includes a reader / writer circuit 2b for data communication with the cash card 3 inserted from the insertion slot 23, a display driving circuit 2c for controlling the display 22, and a selection button 20a. , B and a numeric keypad 21 and an input circuit 2d for generating a signal, a CPU, a RAM, a ROM, etc., and a control chip 2a for executing predetermined processing in accordance with a computer program. OTP generating means 200 for generating OTP using 3 is provided in the token 2 by a computer program. In the present embodiment, the OTP generation unit 200 corresponds to the two OTP generation methods described above.

  Next, the authentication device 6 will be described. FIG. 3 is a diagram for explaining functions provided in the authentication device 6. The authentication device 6 is a device realized by using a general-purpose web server. As shown in FIG. 3, the authentication device 6 has an OTP transferred from the Web server 5 as a means realized by a computer program. At least an OTP authentication means 60 for authenticating and a usage log storage means 61 for storing a usage log indicating the usage status of the token 2 using the OTP transferred from the Web server 5 are provided.

  The data storage device (for example, hard disk) of the authentication device 6 is provided with a usage log DB 62 (DB: DataBase) in which the usage log storage means stores the usage log, and for authenticating OTP for each user. Necessary data is stored. Further, although not shown in FIG. 1, the authentication device 6 is connected to a host security module having a function of generating an encryption key, and this host security module requires an encryption key required for authenticating the OTP. (Here, an issue key) is stored.

  From here, the functions of the token 2 and the authentication device 6 will be described in detail while explaining the processing executed by the royalty management system 1 in the present embodiment.

  4 is a flowchart for explaining the processing executed in the royalty management system 1, FIG. 5 is a flowchart for explaining the details of the OTP generation processing executed in the token 2, and FIG. It is a flowchart explaining the detail of the OTP authentication process performed.

  First, processing executed in the royalty management system 1 will be described with reference to FIG. When the user who possesses the cash card 3 logs in to the Web site, the browser operating on the terminal device 4 is operated by the user, and the terminal device 4 accesses the login page of the Web server 5 (S1).

  When the Web server 5 accesses the login page of the Web server 5 from the terminal device 4, the Web server 5 transmits the login page to the terminal device 4 to log in to the Web server 5 (S 2) and is activated on the terminal device 4. A login page is displayed on the browser (S3).

  The login page displayed on the browser of the terminal device 4 includes an input form for inputting the ID of the user who operates the terminal device 4 and an input form for inputting the OTP generated by the token 2.

  When the login page is displayed on the browser of the terminal device 4, the user inserts the cash card 3 possessed by the user into the token 2 and then operates the numeric keypad 21 of the token 2 to cause the authentication device 6 to authenticate. An OTP generation process (S4) for generating an OTP is executed with the token 2.

  From here, the details of the OTP generation processing (S4) for generating the OTP to be authenticated by the authentication device 6 will be described with reference to FIG. FIG. 7 is a supplementary diagram of the OTP generation process (S4).

  When the user uses the token 2 to generate an OTP, the user selects the OTP generation method after inserting the cash card 3 into the token 2 insertion slot (S10). In the present embodiment, the OTP generation method is selected by the user selecting and pressing one of the selection buttons 20a and 20b included in the numeric keypad of the token 2, and here, the selection button 20a is pressed. .

  When the OTP generation method is selected, the OTP generation unit 200 for token 2 is activated, and the OTP generation unit 200 first selects an application to be used for Internet banking (S11). Specifically, the OTP generation means 200 of the token 2 selects an application to be used for Internet banking from the applications mounted on the cash card 3 according to a procedure according to the Zenginkyo IC cash card standard specification.

  When the OTP generation means 200 for token 2 selects an application to be used for Internet banking, the application data is read from the cash card 3 inserted in the token 2 by using a Get Processing Option command, a READ command, or the like (S12). . This application data includes PSN (Application Primary Account Number Sequence Number) and CDOL1, 2 (Card Risk Management Data Object Lists) defined in the Zenginkyo IC Cash Card standard specifications.

  When the application data is read from the cash card 3, the token 2 OTP generation means 200 transmits a command message of the GenerateAC1 command defined in the Zenginkyo IC cash card standard specification to the cash card 3, and the cache card 3 generates the GenerateAC1 command. A response is received (S13). Here, since the selection button 20a is pressed, the data field of the GenerateAC1 command includes default data stored in the token 2 in advance as a seed for the authentication code. When the selection button 20b is pressed, S12a is executed.

  When the command message of GenerateAC1 command is transmitted from the token 2, the cash card 3 generates a session key from the IC card individual key stored in the cash card 3 and the ATC at this time, and uses the generated session key. The ciphertext of the default data received from token 2 is generated, and the response of the GenerateAC1 command is generated.

  In this embodiment, the GenerateAC1 command response includes IAD (Issuer Application Data) in addition to CID (Cryptogram Information Data), ATC (Application Transaction Counter), and AC (Application Cryptogram) used as an authentication code. It is.

  When receiving the response of the GenerateAC1 command from the cash card 3, the token 2 OTP generation means 200 generates the token data inside the token 2 using the response of the GenerateAC1 command (S14).

  FIG. 7 illustrates token data 8a composed of PSN, CID, ATC, AC, IAD, and financial institution code. The PSN is included in the application data read from the cash card 3 by the OTP generation unit 200 of the token 2, the CID, ATC, AC, and IAD are included in the response of the GenerateAC1 command, and the financial institution code is stored in the token 2. .

  When generating the token data inside the token 2, the token 2 OTP generation unit 200 generates the OTP by compressing the token data (S15).

  In FIG. 7, an IPB 8b (Issuer Proprietary Bitmap) indicating bits used when authenticating the OTP on the authentication device 6 side is used for token data compression, and token data corresponding to a bit “1” in the IPB 8b. By using only 8a for OTP, compressed data 8c obtained by compressing token data 8a is generated.

  In this embodiment, since the financial institution code is included in the OTP, in the IPB 8b illustrated in FIG. 7, all bits of the IPB 8b corresponding to the financial institution code are set to “1”.

  When the token 2 generates the OTP, a value representing the OTP in decimal number is displayed on the display 22 (S16), and this procedure ends. At this time, a character string (for example, “One-Time Password =”) for notifying the user that the value displayed on the display 22 of the token 2 is OTP may be displayed.

  For example, in FIG. 7, the OTP 8d obtained by converting the compressed data 8c obtained by compressing the token data 8a using the IPB 8b into a decimal number is displayed.

  From here, it returns to description of FIG. When the OTP generation process (S4) is executed, the OTP is displayed on the display 2 of the token 2 and the user inputs the user's own ID and the OTP displayed on the display 22 of the token 2 to the login page. (S5) When a predetermined operation is performed on the login page, the ID and OTP of the user who logged in are transmitted to at least the Web server 5, and the Web server 5 receives the user ID and OTP received from the terminal device 4. The data is transferred to the authentication device 6 (S6), and OTP authentication is delegated to the authentication device 6.

  When the user ID and OTP are transferred from the Web server 5, the authentication device 6 executes an OTP authentication process (S7) for authenticating the OTP transferred from the Web server 5 according to a predetermined algorithm. .

  Then, when authenticating the OTP transferred from the Web server 5, the authentication device 6 transmits the authentication result to the Web page (S8), and the Web server 5 displays the login result according to the authentication result together with the authentication result. The Web page is transmitted to the terminal device 4, the authentication result is displayed on the browser of the terminal device 4 (S9), and this procedure is terminated.

  From here, the OTP authentication process (S7) which produces | generates OTP which makes the authentication apparatus 6 authenticate is demonstrated, referring FIG.

  When the user ID, OTP, and the like are transferred from the Web server 5, the OTP authentication means 60 of the authentication device 6 operates, and the OTP authentication means 60 of the authentication device 6 starts processing for authenticating the OTP (S20).

  The authentication device 6 stores the PAN (Application Primary Account Number) and PSN stored in the cash card 3 possessed by the user in association with the user ID, the ATC used in the previous authentication, and the like. The OTP authentication means 60 of the authentication device 6 generates an IC card individual key from the data obtained by concatenating the PAN and PSN associated with the ID transmitted from the terminal device 4 and the issuer key stored in the authentication device 6 ( S21).

  Next, the OTP authentication means 60 of the authentication device 6 extracts the ATC included in the received OTP (S22). In the IPB illustrated in FIG. 7, only the lower 7 bits of the ATC are included in the OTP. Therefore, the authentication device 6 extracts the lower 7 bits of the ATC from the OTP.

  Then, when extracting the lower 7 bits of ATC from the OTP, the OTP authentication means 60 of the authentication device 6 extracts the upper 9 bits of the previous ATC stored on the Web server 5 side (S23).

  Then, the OTP authentication means 60 of the authentication device 6 generates a session key from the 16-bit ATC obtained by concatenating the upper 9 bits of the previous ATC and the lower 7 bits extracted from the OTP and the IC card individual key (S24). Then, the same data as the default data stored in the token 2 is used as an authentication seed, the AC is calculated using the session key (S25), and the calculated AC and the AC included in the OTP are compared (S26).

  When it can be considered that the AC calculated on the authentication device 6 side matches the AC included in the OTP, the usage log storage means 61 of the authentication device 6 is operated to generate the financial institution code included in the OTP and the cash card that generated the authentication code. The financial institution codes of the three issuing companies are compared (S27), and when it can be considered that they do not match, the procedure of FIG. 6 ends.

  In this embodiment, the financial institution code of the issuing company of the cash card 3 that generated the authentication code is included in the user's PAN, and the financial institution code included in the OTP and the financial institution code of the issuing company of the cash card 3 are When it can be considered that they match, the procedure of FIG. 6 ends. When it can be considered that they do not match, the usage log storage means 61 of the authentication device 6 uses the user ID, financial institution code, date and time at this time as a usage log DB 62. (S28), and the procedure of FIG.

  So far, the case where the token 2 selection button 20a is pressed has been described. However, when the token 2 selection button 20b is pressed, the transaction related to the token 2 specified by CDOL1 before the GenerateAC1 command is transmitted. S12a is executed to allow the user to input a seed such as data (for example, transaction amount).

  The transaction-related data specified by CDOL1 means, for example, a transaction amount and the like, and these values are values input to the Web page of the Web server 5, and when the transaction-related data is input by the user, The OTP generation unit 200 of No. 2 displays a character string (for example, “Transaction?”) Corresponding to the item requested to be input to the user on the display 22 and causes the user to input the value of the item of transaction related data.

  Furthermore, when the challenge is included in the seed of the authentication code, the challenge is displayed on the web page of the web server 5, and when the challenge is input to the user, the OTP generation means 200 of token 2 corresponds to the item requested to be input by the user. A character string (for example, “Challenge?”) To be displayed is displayed on the display 22 and the user is allowed to input a challenge displayed on the Web page of the Web server 5.

  When the selection button 20b is pressed, seeds such as transaction-related data and challenges are transmitted from the Web server 5 to the authentication device 6, and the OTP authentication means 60 of the authentication device 6 uses the seed transmitted from the Web server. Thus, AC is calculated.

  Further, since the authentication code seed is transmitted from the Web server 5 to the authentication device 6 when the selection button 20b is pressed, all or part of the seed of the authentication code is included in the usage log stored in the usage log DB 62. It should be included.

  The present invention is not limited to the embodiments described so far, and various modifications and changes can be made.

DESCRIPTION OF SYMBOLS 1 Royalty management system 2 Token 20a, b selection button 21 Numeric keypad 22 Display 200 OTP generation means 3 Cash card 4 Terminal device 5 Web server 6 Authentication apparatus 60 OTP authentication means 61 Usage log storage means 62 Usage log DB

Claims (7)

A token that generates a passcode in cooperation with the IC card, and an authentication device that authenticates a one-time password (OTP) generated by the token;
The IC card includes an authentication code generation means for generating an authentication code based on a predetermined counter,
The token includes an OTP generating means for generating an authentication code in the IC card according to a predetermined procedure, and generating an OTP including all or a part of the authentication code and a company code stored in the token,
When the company code included in the OTP received via the network is different from the company code of the issuing company of the IC card that generated the authentication code, the authentication device issues the IC card that generated the authentication code. A usage log storage means for storing a usage log including the company code of the company and the company code included in the OTP;
A loyalty management system characterized by that.   The authentication apparatus includes an OTP authentication unit that authenticates the authentication code included in the OTP received via a network, and the usage log storage unit of the authentication apparatus authenticates the authentication code included in the OTP. The loyalty management system according to claim 1, wherein the usage log corresponding to the authentication method of the authentication code is stored when successful.   When the OTP authentication unit of the authentication device authenticates the authentication code using a seed received via a network, the usage log storage unit of the authentication device stores all or part of the seed in the usage log. 3. The loyalty management system according to claim 2, wherein A loyalty management method using a token that generates a passcode in cooperation with an IC card and an authentication device that authenticates a one-time password (OTP) generated by the token,
The token causes the IC card to generate an authentication code according to a predetermined procedure, and generates an OTP including all or a part of the authentication code and a company code stored in the token a.
If the company code included in the OTP received via the network is different from the company code of the issuing company of the IC card that generated the authentication code, the authentication device issues the IC card that generated the authentication code. Storing a usage log including the company code of the company and the company code included in the OTP; b.
A loyalty management method characterized in that is executed.   In the step b, the authentication device authenticates the authentication code included in the OTP received via the network, and stores the usage log only when the authentication code included in the OTP is successfully authenticated. The royalty management method according to claim 4, wherein the process is executed.   In the step b, when the authentication device authenticates the authentication code using a seed received via a network, the authentication log includes all or part of the seed in the usage log. 5. The royalty management method according to 5. A token that cooperates with an IC card having a function of generating an authentication code, causing the IC card to generate an authentication code according to a predetermined procedure, and all or part of the authentication code and the company stored in the token A token comprising OTP generation means for generating an OTP including a code.

Images