KR101624266B1 - Token authentication method and token authentication using verification value generated based on current time - Google Patents
Token authentication method and token authentication using verification value generated based on current time Download PDFInfo
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- KR101624266B1 KR101624266B1 KR1020150056211A KR20150056211A KR101624266B1 KR 101624266 B1 KR101624266 B1 KR 101624266B1 KR 1020150056211 A KR1020150056211 A KR 1020150056211A KR 20150056211 A KR20150056211 A KR 20150056211A KR 101624266 B1 KR101624266 B1 KR 101624266B1
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- token
- card number
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- virtual card
- verification value
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority
- H04L9/3213—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority using tickets or tokens, e.g. Kerberos
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3297—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving time stamps, e.g. generation of time stamps
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- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Signal Processing (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Description
The present invention relates to a token authentication method and a token authentication system using a verification value generated based on a current time, and more particularly, to a method and apparatus for generating a verification value based on a current time, The present invention relates to a token authentication method and a token authentication system for performing settlement when a token authentication is completed.
In order to commercialize payment means in various forms such as text, bar code, QR code, NFC, etc., it is necessary to provide a one-time virtual card number Use of token is increasing.
In order to use the token, the token generating server continuously generates a new token and issues it to the user terminal, stores the token issued to verify the validity of the token in the database for a designated time, The token received from the merchant terminal and the token temporarily stored in the database are compared with each other, and the validity of the transaction is verified, so that appropriate security can be provided by a simple method.
However, since the token generation server and the token verification server exist in the same server, that is, a single system configuration is required, there is a problem that consistent service can not be provided in an unexpected situation such as a system failure.
Also, there is a problem in that tokens are always requested to be issued and verified online, and the corresponding procedures must be performed.
Accordingly, there is an increasing demand for various systems in which a system for issuing and authenticating tokens can be physically or logically separated, and a solution for solving the above problems is urgently needed.
An object of the present invention is to provide a token authentication method and a token authentication system which generate a verification value based on the current time, authenticate the token using the generated verification value, and perform settlement when the token authentication is completed .
It is another object of the present invention to provide a token authentication method and a token authentication system in which a device for issuing a virtual card number including a token and a device for authenticating the token are physically or logically separated.
The present invention also provides a token authentication method and a token authentication system for relieving the risk of transaction duplication, simplifying the transaction processing system, and using the token reliably in various media and environments, in a transaction through a mobile device .
The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.
According to an aspect of the present invention, there is provided a method of authenticating a token in a token authentication system, the method comprising: generating a verification value using a unique key generated from a current time in a token generation server; Generating a virtual card number including the generated verification value and the token, and issuing the virtual card number to the user terminal; Receiving, at a token verification server, an authentication request including identification information corresponding to the virtual card number through an affiliate terminal recognized from the user terminal; The verification value is regenerated by using the unique key generated from the generation time of the virtual card number in the token verification server, and the verification value included in the regenerated verification value and the virtual card number corresponding to the identification information is Performing authentication for the token included in the virtual card number; And transmitting the payment request including the token to the payment server when the authentication of the token is completed by the token verification server so that settlement is performed by the payment means matched with the token. A token authentication method using the generated verification value is provided.
The issuing of the virtual card number may include generating the unique key using the Julian's number based on the current time in the token generation server.
According to another aspect of the present invention, there is provided a method of authenticating a token in a token authentication system, the method comprising: receiving, from a token generation server, key generation information in a user terminal; Generating a verification value using a unique key generated from a current time, issuing a virtual card number including the generated verification value and a token to a token storage associated with the user terminal, Receiving, at a token verification server, an authentication request including identification information corresponding to the virtual card number through an affiliate terminal recognized from the user terminal; The verification value is regenerated by using the unique key generated from the generation time of the virtual card number in the token verification server, and the verification value included in the regenerated verification value and the virtual card number corresponding to the identification information is Performing authentication for the token included in the virtual card number; And transmitting the payment request including the token to the payment server when the authentication of the token is completed by the token verification server so that settlement is performed by the payment means matched with the token. A token authentication method using the generated verification value is provided.
The issuing of the virtual card number may include generating the unique key using the Julian's number based on the current time in the user terminal.
According to another embodiment of the present invention, a verification value is generated using a unique key generated from a current time, and a virtual card number including the generated verification value and a token is generated A token generation server for issuing a token to the user terminal; An agent terminal for recognizing identification information corresponding to the virtual card number from the user terminal; Receiving the authentication request including the recognized identification information through the merchant terminal and regenerating the verification value using the unique key generated from the generation time of the virtual card number, A token verification server for comparing the verification value included in the virtual card number and the corresponding virtual card number to authenticate the token included in the virtual card number; And a payment server for receiving a payment request including the token from the token verification server, when the authentication for the token is completed, and for making a payment with the payment means matched with the token is provided .
The token generation server may generate the unique key using the Julian's number based on the current time.
According to another aspect of the present invention, there is provided a method of transmitting a key generation information to a token generation server, the method comprising: receiving a key generation information from a token generation server and generating a verification value using a unique key generated from a current time, Generating a virtual card number including the generated verification value and the token, and issuing the virtual card number to the token storage; An agent terminal for recognizing identification information corresponding to the virtual card number from the user terminal; Receiving the authentication request including the recognized identification information through the merchant terminal and regenerating the verification value using the unique key generated from the generation time of the virtual card number, A token verification server for comparing the verification value included in the virtual card number and the corresponding virtual card number to authenticate the token included in the virtual card number; And a payment server for receiving a payment request including the token from the token verification server, when the authentication for the token is completed, and for making a payment with the payment means matched with the token is provided .
The user terminal can generate the unique key using the Julian's number based on the current time.
According to an embodiment of the present invention, a token authentication system in which a device for issuing a virtual card number including a token and a device for authenticating a token are physically or logically separated can be provided. Therefore, even in an unexpected situation such as a system failure It is possible to provide a consistent service.
Also, according to the embodiment of the present invention, since the verification value is generated by the user terminal itself even in the offline mode, the virtual card number including the verification value and the token can be issued, There is an effect that issuance of the virtual card number can be performed.
According to an embodiment of the present invention, it is possible to solve the risk of transaction duplication, simplify the distance processing system, secure the security of token use in various media and environments, have.
It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.
1 is a diagram illustrating a token authentication system according to an embodiment of the present invention.
FIG. 2 illustrates a process of performing settlement through token authentication according to an embodiment of the present invention. Referring to FIG.
3 is a diagram illustrating a process of performing settlement through token authentication according to another embodiment of the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.
Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.
Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a diagram illustrating a token authentication system according to an embodiment of the present invention.
1, a token authentication system according to an exemplary embodiment of the present invention includes a
First, the communication network can be configured without regard to its communication mode such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. Preferably, the communication network in the present invention may be a mobile communication network, or may be a known World Wide Web (WWW) or the like.
The
The
The
That is, the
The
According to an embodiment of the present invention, an area where a POS value is issued to an actual card may be composed of a card number, an expiration date, a service code (CVC), an RPU, CVC), a verification value, and the like.
The
For example, the
The
The
According to an embodiment of the present invention, the verification value may be a hash value generated through encryption operation and hash operation at the time of generation or authentication request of a virtual card number to verify the validity of the payment, It can be used to verify that the token is normally issued.
In addition, the length of the verification value can be set so that it can be used less than a predetermined number of digits. In this case, the digits other than the predetermined digits may not be used. For example, if only the first five digits of the verification value are set to be used, if the verification value is eight digits, only the first five digits may be used, and the last three digits may not be used.
Hereinafter, a process of generating the verification value by connecting the
First, the
According to an embodiment of the present invention, the master key is a unique key matched with an identification number (for example, a card number) of the payment means issued to the user, and can be utilized in the encryption process when generating the verification value.
The
The
According to one embodiment of the present invention, the Julian number is an extension of the Julian date, and the Julian date means the number of days elapsed from the beginning of a particular year. For example, Julian date for January 15, 2015, The date may be "15 ".
For example, the Julian's number for January 15, 2015 is 15, 24, and 60 minutes, respectively. Quot; 21600 "calculated by multiplying a number.
The
The
According to an embodiment of the present invention, the token may be a virtual card number designated to be used in the settlement service, and may be a one-time token available until the preset token validity period expires, the token validity period is YYMM format, It can be used from 0 to 4 digits depending on the length of the token. For example, the virtual card number may be a total of 21 digits, the token may be 16 digits, the verification value may be 5 digits, the virtual card number may be composed, but is not limited to, have.
The
At the time of regenerating the verification value, the
The
For example, if the validity period is set to 3 minutes in the virtual card number, the
First, the
Thereafter, the
Thereafter, the
That is, the
Accordingly, if generation of a virtual card number including a token and authentication of a token are known and only basic data and an algorithm are known, it is not necessary to generate or verify by a single entity because a verification value can be generated. The
Upon completion of authentication for the token, the
The
The
FIG. 2 illustrates a process of performing settlement through token authentication according to an embodiment of the present invention. Referring to FIG.
The
First, in step S201, the
In step S202, the
The
In step S203, the
For example, the
When generating the virtual card number in the
According to one embodiment of the present invention, the Cryptogram version value is a value for specifying the type and length of encryption and the data to be used for generating and authenticating a verification value for a payment service, and the most effective encryption It can be formatted and version-separated.
According to an embodiment of the present invention, the transaction classification value is a code value for classifying the transaction type of the settlement service, and may be a code value separately assigned to the payment means.
According to an embodiment of the present invention, the PAN is an actual card number matched with the token, the PAN validity period may be a YYMM format with the card validity period set in the actual card, and the MD key may be a High Speed Memory ). ≪ / RTI >
In step S204, the
In step S205, the
In step S206, the
Specifically, when the
In step S207, the
In step S208, the
Thereafter, the
According to an exemplary embodiment of the present invention, the data used in the token authentication may be a token, a token validity period, a Julian's number, a verification value, a POS value, a Cryptogram version value,
In step S209, when the authentication of the token is completed, the
In step S210, the
Thereafter, the
3 is a diagram illustrating a process of performing settlement through token authentication according to another embodiment of the present invention.
FIG. 3 shows a process of generating a virtual card number in the
First, in step S301, the
If the
In step S302, the
When generating the virtual card number, the
In step S303, the
In step S304, the
In step S305, the
In step S306, the
In step S307, the
In step S308, the
It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.
The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.
100: User terminal
200: Merchant terminal
300: Token generation server
400: Token verification server
500: Payment server
Claims (8)
Generating a verification value for confirming whether the token is normally issued by using the unique key generated from the current time as a starting point in the token generation server and generating a virtual card number including the generated verification value and the token matched to the payment means Generating and issuing to the user terminal;
Receiving, at a token verification server, an authentication request including identification information corresponding to the virtual card number through an affiliate terminal recognized from the user terminal;
The verification value is regenerated by using the unique key generated from the generation time of the virtual card number in the token verification server, and the verification value included in the regenerated verification value and the virtual card number corresponding to the identification information is Performing authentication for the token included in the virtual card number; And
Transmitting the settlement request including the token to the settlement server and causing the settlement to be performed by the settlement means matched with the token when the authentication of the token is completed, A token authentication method using verification values generated as a basis.
The virtual card number issuing step includes:
And generating the unique key using the Julian's number based on the current time in the token generation server.
A user terminal generates a verification value for confirming whether a token is normally issued using the unique key generated from the current time based on the key generation information after receiving the key generation information from the token generation server, Generating a virtual card number including a verification value and a token matched to the payment means, and issuing the generated virtual card number to a token storage associated with the user terminal;
Receiving, at a token verification server, an authentication request including identification information corresponding to the virtual card number through an affiliate terminal recognized from the user terminal;
The verification value is regenerated by using the unique key generated from the generation time of the virtual card number in the token verification server, and the verification value included in the regenerated verification value and the virtual card number corresponding to the identification information is Performing authentication for the token included in the virtual card number; And
Transmitting the settlement request including the token to the settlement server and causing the settlement to be performed by the settlement means matched with the token when the authentication of the token is completed, A token authentication method using verification values generated as a basis.
The virtual card number issuing step includes:
And generating the unique key using the Julian's number based on the current time in the user terminal, using the generated verification value based on the current time.
An agent terminal for recognizing identification information corresponding to the virtual card number from the user terminal;
Receiving the authentication request including the recognized identification information through the merchant terminal and regenerating the verification value using the unique key generated from the generation time of the virtual card number, A token verification server for comparing the verification value included in the virtual card number and the corresponding virtual card number to authenticate the token included in the virtual card number; And
And a payment server for receiving a payment request including the token from the token verification server when the authentication for the token is completed and for making a payment with the payment means matched with the token.
Wherein the token generation server generates the unique key using the Julian's number based on the current time.
An agent terminal for recognizing identification information corresponding to the virtual card number from the user terminal;
Receiving the authentication request including the recognized identification information through the merchant terminal and regenerating the verification value using the unique key generated from the generation time of the virtual card number, A token verification server for comparing the verification value included in the virtual card number and the corresponding virtual card number to authenticate the token included in the virtual card number; And
And a payment server for receiving a payment request including the token from the token verification server when the authentication for the token is completed and for making a payment with the payment means matched with the token.
Wherein the user terminal generates the unique key using a Julian's number based on the current time.
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Cited By (3)
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WO2019017525A1 (en) * | 2017-07-20 | 2019-01-24 | 중부대학교 산학협력단 | User authentication server and system |
KR20200131021A (en) * | 2019-05-13 | 2020-11-23 | (주)한우리아이티 | Method for managing card payment using member code |
US11750597B2 (en) | 2021-06-18 | 2023-09-05 | Kyndryl, Inc. | Unattended authentication in HTTP using time-based one-time passwords |
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US20190087817A1 (en) * | 2017-09-19 | 2019-03-21 | Swarna Kumari Adari | System and method for performing financial transactions using virtual swipe banking |
GB2620370A (en) * | 2022-06-28 | 2024-01-10 | Mastercard International Inc | Securely and efficiently using tokenised VCNs on electronic devices, and in e-commerce platforms |
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KR101009914B1 (en) * | 2010-06-03 | 2011-01-20 | (주)지락인포메이션 | Card payment mehtod using one time mobile card, payment module and payment approval server |
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US20010047335A1 (en) * | 2000-04-28 | 2001-11-29 | Martin Arndt | Secure payment method and apparatus |
KR20050097624A (en) * | 2004-04-02 | 2005-10-10 | 최준수 | A dynamic credit card informations recordable handphone and system thereof |
KR100858552B1 (en) * | 2006-12-29 | 2008-09-12 | (주)엘엔아이소프트 | Authentication system using synchronized authentication key |
KR20140077013A (en) * | 2012-12-13 | 2014-06-23 | 에스케이플래닛 주식회사 | Payment system, electric payment method and apparatus for off-line commerce |
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KR101009914B1 (en) * | 2010-06-03 | 2011-01-20 | (주)지락인포메이션 | Card payment mehtod using one time mobile card, payment module and payment approval server |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
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WO2019017525A1 (en) * | 2017-07-20 | 2019-01-24 | 중부대학교 산학협력단 | User authentication server and system |
KR20200131021A (en) * | 2019-05-13 | 2020-11-23 | (주)한우리아이티 | Method for managing card payment using member code |
KR102251543B1 (en) | 2019-05-13 | 2021-05-13 | (주)한우리아이티 | Method for managing card payment using member code |
US11750597B2 (en) | 2021-06-18 | 2023-09-05 | Kyndryl, Inc. | Unattended authentication in HTTP using time-based one-time passwords |
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