KR20070110409A - 무선 네트워크를 이용해 신용 카드 개인화를 가능하게 하는방법, 시스템 및 모바일 장치 - Google Patents
무선 네트워크를 이용해 신용 카드 개인화를 가능하게 하는방법, 시스템 및 모바일 장치 Download PDFInfo
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- KR20070110409A KR20070110409A KR1020077022589A KR20077022589A KR20070110409A KR 20070110409 A KR20070110409 A KR 20070110409A KR 1020077022589 A KR1020077022589 A KR 1020077022589A KR 20077022589 A KR20077022589 A KR 20077022589A KR 20070110409 A KR20070110409 A KR 20070110409A
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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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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K5/00—Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3226—Use of secure elements separate from M-devices
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
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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
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- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
- H04L63/061—Network architectures or network communication protocols for network security for supporting key management in a packet data network for key exchange, e.g. in peer-to-peer networks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0816—Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
- H04L9/0819—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
- H04L9/083—Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s) involving central third party, e.g. key distribution center [KDC] or trusted third party [TTP]
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- 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
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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
- H04L9/3271—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 using challenge-response
- H04L9/3273—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 using challenge-response for mutual authentication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/04—Key management, e.g. using generic bootstrapping architecture [GBA]
- H04W12/043—Key management, e.g. using generic bootstrapping architecture [GBA] using a trusted network node as an anchor
- H04W12/0431—Key distribution or pre-distribution; Key agreement
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- H—ELECTRICITY
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- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/30—Security of mobile devices; Security of mobile applications
- H04W12/35—Protecting application or service provisioning, e.g. securing SIM application provisioning
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/80—Wireless
- H04L2209/805—Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
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- H—ELECTRICITY
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- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
- H04L63/0435—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply symmetric encryption, i.e. same key used for encryption and decryption
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- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
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- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/40—Security arrangements using identity modules
- H04W12/45—Security arrangements using identity modules using multiple identity modules
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Abstract
Description
Claims (39)
- 개인화 (personalization) 어플리케이션 서버로부터 사용자 장치까지, 개인화 데이터의 전파공간 (OTA; over the air) 전송을 하기 위한 보안 채널을 설정하는데 사용될 수 있는 발급자 보안 도메인 생성 방법에 있어서,상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 하나 이상의 공유 시크릿(secret) 키들을 생성하는 단계; 및상기 하나 이상의 공유 시크릿 키들을 사용하여, 발급자 보안 도메인을 생성하는 단계를 포함하고,상기 발급자 보안 도메인은 개인화 어플리케이션 서버로부터 사용자 장치까지, 개인화 데이터의 OTA 전송을 위한 보안 채널을 설정하는데 사용될 수 있음을 특징으로 하는 방법.
- 제1항에 있어서, 상기 사용자 장치는 EMV-공인(certified) 칩이 내장되어 있는 모바일 장치를 포함함을 특징으로 하는 방법.
- 제1항에 있어서, 상기 사용자 장치는, 하나 이상의 EMV 어플리케이션들이 저장되어 있는 범용 집적 회로 카드 (UICC, universal integrated circuit card)를 더 구비하는 모바일 장치를 포함함을 특징으로 하는 방법.
- 제3항에 있어서, 상기 UICC는 모바일 장치로부터 제거될 수 있고, 다른 모바일 장치와 연결되어 사용될 수 있음을 특징으로 하는 방법.
- 제1항에 있어서, 상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 하나 이상의 공유 시크릿 키들을 생성하는 단계는, 포괄 인증 구조 (GAA; Generic Authentication Architecture)에 따라 수행되고, 상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF;network application function) 서버를 포함함을 특징으로 하는 방법.
- 제1항에 있어서,상기 사용자 장치상에 상기 한 개 이상의 공유 시크릿 키들을 저장하는 단계를 더 포함함을 특징으로 하는 방법.
- 제1항에 있어서, 상기 개인화 데이터는 신용 카드 개인화 데이터를 포함함을 특징으로 하는 방법.
- 제1항에 있어서, 상기 개인화 데이터는 대중 교통 티켓팅 (ticheting) 데이터를 포함함을 특징으로 하는 방법.
- 제1개체로부터 제2개체로 보안 방식에 따라 전파공간을 통해 (OTA) 개인화 데이터를 전송하는 방법에 있어서,포괄 인증 구조 (GAA)를 이용하여 상기 제1 및 제2개체들에 알려지는 하나 이상의 공유 시크릿 키들을 생성하는 단계;상기 하나 이상의 공유 시크릿 키들을 이용해 상기 제1 및 제2개체들 사이의 발급자 보안 도메인을 생성하는 단계;상기 발급자 보안 도메인을 이용하여 상기 제1 및 제2개체들 사이에 보안 채널을 설정하는 단계; 및상기 보안 채널을 거쳐 상기 개인화 데이터를 전송하는 단계를 포함함을 특징으로 하는 방법.
- 제9항에 있어서, 상기 제1개체는 네트워크 어플리케이션 기능 (NAF) 서버이고, 상기 제2개체는 사용자 장치임을 특징으로 하는 방법.
- 제9항에 있어서, 상기 사용자 장치는 EMV-공인 칩이 내장된 모바일 장치를 포함함을 특징으로 하는 방법.
- 제9항에 있어서, 상기 사용자 장치는 한 개 이상의 EMV 어플리케이션들이 저장되어 있는 범용 집적 회로 카드 (UICC)를 더 구비하는 모바일 장치를 포함함을 특징으로 하는 방법.
- 제12항에 있어서, 상기 UICC는 모바일 장치로부터 제거될 수 있고, 다른 모바일 장치와 연결되어 사용될 수 있음을 특징으로 하는 방법.
- 제9항에 있어서, 상기 개인화 데이터는 신용 카드 개인화 데이터를 포함함을 특징으로 하는 방법.
- 제9항에 있어서, 상기 개인화 데이터는 대중 교통 티켓팅 데이터를 포함함을 특징으로 하는 방법.
- 보안 채널을 통해 개인화 어플리케이션 서버로부터 개인화 데이터를 수신할 수 있는 사용자 장치에 있어서,상기 사용자 장치에 고유한 적어도 한 개의 시크릿 키를 포함하는 사용자 식별 모듈; 및상기 사용자 식별 모듈과 통신하는 보안 코어 (secure core)를 포함하고,상기 시크릿 키는, 상기 보안 코어에 저장될, 상기 개인화 어플리케이션 서버 및 상기 사용자 장치에 알려지는 한 개 이상의 공유 시크릿 키들을 생성하는데 사용되고, 상기 한 개 이상의 공유 시크릿 키들은 상기 사용자 장치가 상기 개인화 데이터를 수신할 수 있게 하는 상기 보안 채널을 생성하는데 사용되는 발급자 보안 도메인을 생성하는데 사용됨을 특징으로 하는 사용자 장치.
- 제16항에 있어서, 상기 한 개 이상의 공유 시크릿 키들은 포괄 인증 구조 (GAA)에 따라 생성되고, 상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF) 서버를 포함함을 특징으로 하는 사용자 장치.
- 제17항에 있어서,컴퓨터 판독가능 매체 안에 저장되고 상기 사용자 식별 모듈 및 상기 보안 코어와 통신하는 한 개 이상의 GAA 지원 어플리케이션을 더 포함하고,상기 GAA 지원 어플리케이션들은 상기 한 개 이상의 공유 시크릿 키들을 생성하기 위해 상기 NAF 서버 및 부트스트래핑 서버 기능 (BSF; Bootstrapping Server Function)과 통신하도록 구성됨을 특징으로 하는 사용자 장치.
- 제16항에 있어서, 상기 개인화 데이터는 신용 카드 개인화 데이터를 포함함을 특징으로 하는 사용자 장치.
- 제16항에 있어서, 상기 개인화 데이터는 대중 교통 티켓팅 데이터를 포함함을 특징으로 하는 사용자 장치.
- 모바일 신용 카드 지불 시스템에 있어서,개인화 어플리케이션 서버; 및상기 개인화 어플리케이션 서버로부터 전파공간을 통해 (OTA) 사용자 장치까 지 개인화 데이터를 전송하는 보안 채널을 통해, 상기 개인화 어플리케이션 서버와 통신하는 사용자 장치를 포함하고,개인화 어플리케이션 서버 및 사용자 장치에 알려지는 한 개 이상의 공유 시크릿 키들은, 보안 채널을 설정하는데 사용될 수 있는 발급자 보안 도메인을 생성하는데 사용됨을 특징으로 하는 시스템.
- 제21항에 있어서, 상기 한 개 이상의 공유 시크릿 키들은 포괄 인증 구조 (GAA)에 따라 생성되며, 상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF) 서버를 포함함을 특징으로 하는 시스템.
- 제21항에 있어서, 상기 한 개 이상의 공유 시크릿 키들은 상기 사용자 장치상에 저장됨을 특징으로 하는 시스템.
- 제21항에 있어서, 상기 사용자 장치는 EMV-공인 칩을 내장하는 모바일 장치를 포함함을 특징으로 하는 시스템.
- 제21항에 있어서, 상기 사용자 장치는 한 개 이상의 EMV 어플리케이션들을 저장하는 범용 집적 회로 카드 (UICC)를 더 구비하는 모바일 장치를 포함함을 특징으로 하는 시스템.
- 제25항에 있어서, 상기 UICC는 모바일 장치로부터 제거될 수 있고, 다른 모바일 장치와 연결되어 사용될 수 있음을 특징으로 하는 시스템.
- 제22항에 있어서,상기 NAF 서버 및 상기 사용자 장치와 통신하는 부트스트래핑 서버 기능 (BSF) 서버를 더 포함하고,상기 BSF는 상기 한 개 이상의 공유 시크릿 키들의 생성을 도모함을 특징으로 하는 시스템.
- 개인화 어플리케이션 서버로부터 사용자 장치까지의 개인화 데이터 전파공간 (OTA) 전송을 위한 보안 채널 설정에 사용될 수 있는 발급자 보안 도메인을 생성하는 시스템에 있어서,상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 한 개 이상의 공유 시크릿 키들을 생성하는 수단; 및상기 한 개 이상의 공유 시크릿 키들을 이용하여 발급자 보안 도메인을 생성하는 수단을 포함하고, 상기 발급자 보안 도메인은 개인화 어플리케이션 서버로부터 사용자 장치까지의 개인화 데이터 OTA 전송을 위한 보안 채널을 설정하는데 사용될 수 있음을 특징으로 하는 시스템.
- 제28항에 있어서, 상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알 려지는 한 개 이상의 공유 시크릿 키들을 생성하는 수단은, 포괄 인증 구조 (GAA)에 따라 한 개 이상의 공유 시크릿 키들을 생성하는 수단을 포함하고,상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF) 서버를 포함함을 특징으로 하는 시스템.
- 제28항에 있어서,상기 사용자 장치상에 상기 한 개 이상의 공유 시크릿 키들을 저장하는 수단을 더 포함함을 특징으로 하는 시스템.
- 개인화 어플리케이션 서버로부터 사용자 장치까지의 개인화 데이터 전파공간 (OTA) 전송을 위한 보안 채널 설정에 사용될 수 있는 발급자 보안 도메인을 생성하기 위한 컴퓨터 프로그램 제품에 있어서, 상기 컴퓨터 프로그램 제품은 컴퓨터 판독가능 프로그램 코드 부분들을 저장하고 있는 적어도 한 개의 컴퓨터 판독가능 저장 매체를 포함하며, 상기 컴퓨터 판독가능 프로그램 코드 부분들은,상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 한 개 이상의 공유 시크릿 키들을 생성하기 위한 제1실행가능 부분; 및상기 한 개 이상의 공유 시크릿 키들을 이용하여 발급자 보안 도메인을 생성하도록 하는 제2실행가능 부분을 포함하고,상기 발급자 보안 도메인은 개인화 어플리케이션 서버로부터 사용자 장치까지의 개인화 데이터 OTA 전송을 위한 보안 채널을 설정하는데 사용될 수 있음을 특 징으로 하는 컴퓨터 프로그램 제품.
- 제31항에 있어서, 상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 한 개 이상의 공유 시크릿 키들을 생성하는 것은, 포괄 인증 구조 (GAA)에 따라 한 개 이상의 공유 시크릿 키들을 생성하는 것을 포함하고,상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF) 서버를 포함함을 특징으로 하는 컴퓨터 프로그램 제품.
- 제31항에 있어서,상기 사용자 장치상에 상기 한 개 이상의 공유 시크릿 키들을 저장하기 위한 제3실행가능 부분을 더 포함함을 특징으로 하는 컴퓨터 프로그램 제품.
- 개인화 어플리케이션 서버로부터 보안 채널을 통해 개인화 데이터를 수신할 수 있는 사용자 장치에 있어서,상기 사용자 장치 및 상기 개인화 어플리케이션 서버에 알려지는 한 개 이상의 공유 시크릿 키들을 생성하기 위한 수단;상기 사용자 장치상에 상기 한 개 이상의 공유 시크릿 키들을 저장하기 위한 수단; 및상기 한 개 이상의 공유 시크릿 키들을 이용하여 발급자 보안 도메인을 생성하도록 하는 수단을 포함하고,상기 발급자 보안 도메인은, 상기 사용자 장치가 상기 개인화 데이터를 수신할 수 있게 하는 상기 보안 채널을 설정하는데 사용될 수 있음을 특징으로 하는 사용자 장치.
- 보안 채널을 통해 개인화 데이터를 전송할 수 있는 개인화 어플리케이션 서버에 있어서,프로세서; 및상기 프로세서와 통신하는 메모리를 포함하고,상기 메모리는 프로세서에 의해 실행가능한 어플리케이션을 저장하고, 상기 어플리케이션은 실행시 보안 데이터에 대한 요청을 수신하고 그 요청에 응하여 인증 챌린지 (challenge)를 전송할 수 있으며, 상기 챌린지는 공유 시크릿 키가 인증에 사용되도록 하는 요청을 포함하고, 상기 어플리케이션은 실행시, 추가로, 공유 시크릿 키를 이용해 암호화된 응답을 수신하고 그 응답을 검증할 수 있고, 검증시, 공유 시크릿 키를 사용해 요청된 보안 데이터를 암호화하고 그 암호화된 보안 데이터를 전송할 수 있으며, 상기 암호화된 보안 데이터는 보안 채널을 설정하는데 사용될 수 있는 발급자 보안 도메인을 생성하는데 사용될 수 있고, 상기 어플리케이션은 실행시, 추가로, 그 보안 채널을 통해 개인화 데이터를 전송할 수 있음을 특징으로 하는 개인화 어플리케이션 서버.
- 제35항에 있어서, 상기 개인화 어플리케이션 서버는 네트워크 어플리케이션 기능 (NAF) 서버를 포함함을 특징으로 하는 개인화 어플리케이션 서버.
- 제35항에 있어서, 상기 보안 데이터는 한 개 이상의 발급자 보안 도메인 키들을 포함함을 특징으로 하는 개인화 어플리케이션 서버.
- 제35항에 있어서, 상기 보안 데이터는 한 개 이상의 발급자 보안 도메인 키들의 수명 및 생성 시간을 더 포함함을 특징으로 하는 개인화 어플리케이션 서버.
- 보안 채널을 통해 개인화 데이터를 전송할 수 있는 개인화 어플리케이션 서버에 있어서,보안 데이터에 대한 요청을 수신하는 수단;상기 요청에 응하여, 공유 시크릿 키를 인증에 사용하라는 요청을 포함하는 인증 챌린지를 전송하는 수단;공유 시크릿 키를 이용해 암호화된 응답을 수신하는 수단;상기 응답을 검증하는 수단;검증시, 공유 시크릿 키를 이용해 요구된 보안 데이터를 암호화하고, 보안 채널을 설정하는데 사용될 수 있는 발급자 보안 도메인을 생성하는데 사용될 수 있는 그 암호화된 보안 데이터를 전송하는 수단; 및상기 보안 채널을 통해 개인화 데이터를 전송하는 수단을 포함함을 특징으로 하는 개인화 어플리케이션 서버.
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KR101495914B1 (ko) * | 2008-08-08 | 2015-02-25 | 주식회사 엘지유플러스 | 인터넷뱅킹 서비스 제공 시스템 및 방법 |
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EP1856671A2 (en) | 2007-11-21 |
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US7628322B2 (en) | 2009-12-08 |
EP1856671B1 (en) | 2016-10-05 |
CN101164086A (zh) | 2008-04-16 |
WO2006095230A3 (en) | 2006-11-02 |
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