RU2014132162A - Защита данных с переводом - Google Patents

Защита данных с переводом Download PDF

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RU2014132162A
RU2014132162A RU2014132162A RU2014132162A RU2014132162A RU 2014132162 A RU2014132162 A RU 2014132162A RU 2014132162 A RU2014132162 A RU 2014132162A RU 2014132162 A RU2014132162 A RU 2014132162A RU 2014132162 A RU2014132162 A RU 2014132162A
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encrypted
request message
authorization request
pan
pin
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RU2014132162A
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RU2631983C2 (ru
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Гленн ПАУЭЛЛ
Джон Ф. ШИТС
Пол ТЭЙТ
Ким Р. ВАГНЕР
Кришна Прасад КОГАНТИ
Марк ПЕРЛ
Эктор РОДРИГЕС
Сью ЗЛОТ
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Виза Интернэшнл Сервис Ассосиэйшн
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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/606—Protecting data by securing the transmission between two devices or processes
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1091—Use of an encrypted form of the PIN
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
    • 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
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
    • H04L9/0866—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving user or device identifiers, e.g. serial number, physical or biometrical information, DNA, hand-signature or measurable physical characteristics
    • 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
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0894—Escrow, recovery or storing of secret information, e.g. secret key escrow or cryptographic key storage
    • 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
    • H04L9/14—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using a plurality of keys or algorithms
    • 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
    • H04L9/3226—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 a predetermined code, e.g. password, passphrase or PIN
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/061—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying further key derivation, e.g. deriving traffic keys from a pair-wise master key
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Abstract

1. Способ, содержащий этапы, на которых:принимают, посредством устройства доступа, личный идентификационный номер (PIN) и уязвимые данные;шифруют, посредством устройства доступа, PIN, при этом шифрование PIN использует первый вариант ключа шифрования, основанный на исходном ключе;шифруют, посредством устройства доступа, уязвимые данные, при этом шифрование уязвимых данных использует второй вариант ключа шифрования, основанный на исходном ключе; ипередают хост-серверу сообщение запроса авторизации, включающее в себя зашифрованный PIN и зашифрованные уязвимые данные.2. Способ по п. 1, в котором исходный ключ генерируется посредством схемы управления ключами с извлекаемым уникальным ключом для каждой транзакции (DUKPT).3. Способ по п. 1, в котором, по меньшей мере, одно из следующего: PIN и уязвимые данные шифруются, используя Алгоритм Шифрования Трехкратного DES (TDEA).4. Способ по п. 1, в котором уязвимые данные включают в себя, по меньшей мере, одно из следующего: первичный номер счета (PAN), имя держателя карты, адрес держателя карты и дискреционные данные.5. Способ по п. 1, в котором поднабор дискреционных данных остается незашифрованным, когда дискреционные данные включаются в зашифрованные уязвимые данные.6. Способ по п. 1, в котором зашифрованный PAN записывается в поле PAN сообщения запроса авторизации, при этом зашифрованный PAN имеет тот же формат, что и у незашифрованного PAN.7. Способ по п. 6, в котором поднабор цифр незашифрованного PAN остаются незашифрованным в зашифрованном PAN.8. Способ по п. 6, в котором поле даты истечения срока действия сообщения запроса авторизации переписывается на измененную дату истечения срока действия для указания того, что поле PAN сообщений запроса авторизации содержит за

Claims (33)

1. Способ, содержащий этапы, на которых:
принимают, посредством устройства доступа, личный идентификационный номер (PIN) и уязвимые данные;
шифруют, посредством устройства доступа, PIN, при этом шифрование PIN использует первый вариант ключа шифрования, основанный на исходном ключе;
шифруют, посредством устройства доступа, уязвимые данные, при этом шифрование уязвимых данных использует второй вариант ключа шифрования, основанный на исходном ключе; и
передают хост-серверу сообщение запроса авторизации, включающее в себя зашифрованный PIN и зашифрованные уязвимые данные.
2. Способ по п. 1, в котором исходный ключ генерируется посредством схемы управления ключами с извлекаемым уникальным ключом для каждой транзакции (DUKPT).
3. Способ по п. 1, в котором, по меньшей мере, одно из следующего: PIN и уязвимые данные шифруются, используя Алгоритм Шифрования Трехкратного DES (TDEA).
4. Способ по п. 1, в котором уязвимые данные включают в себя, по меньшей мере, одно из следующего: первичный номер счета (PAN), имя держателя карты, адрес держателя карты и дискреционные данные.
5. Способ по п. 1, в котором поднабор дискреционных данных остается незашифрованным, когда дискреционные данные включаются в зашифрованные уязвимые данные.
6. Способ по п. 1, в котором зашифрованный PAN записывается в поле PAN сообщения запроса авторизации, при этом зашифрованный PAN имеет тот же формат, что и у незашифрованного PAN.
7. Способ по п. 6, в котором поднабор цифр незашифрованного PAN остаются незашифрованным в зашифрованном PAN.
8. Способ по п. 6, в котором поле даты истечения срока действия сообщения запроса авторизации переписывается на измененную дату истечения срока действия для указания того, что поле PAN сообщений запроса авторизации содержит зашифрованный PAN.
9. Способ по п. 1, в котором устройство доступа является терминалом точки продаж.
10. Способ по п. 1, в котором устройство доступа принимает информацию, ассоциированную с транзакцией электронной коммерции.
11. Способ, содержащий этапы, на которых:
принимают, посредством хост-сервера, сообщение запроса авторизации, при этом сообщение запроса авторизации включает в себя зашифрованные уязвимые данные;
дешифруют, посредством модуля безопасности, соединенного с возможностью осуществления связи с сервером торговца, зашифрованные уязвимые данные;
повторно шифруют, посредством модуля безопасности, дешифрованные уязвимые данные, при этом повторное шифрование уязвимых данных использует первый ключ шифрования зоны уязвимых данных, ассоциированный с первой сетью обработки платежей; и
передают, посредством хост-сервера, первое переведенное сообщение запроса авторизации первой сети обработки платежей, при этом переведенное сообщение запроса авторизации включает в себя повторно зашифрованные уязвимые данные.
12. Способ по п. 11, в котором сообщение запроса авторизации дополнительно включает в себя зашифрованный PIN, причем способ, дополнительно содержащий этапы, на которых:
дешифруют, посредством модуля безопасности, зашифрованный PIN; и
повторно шифруют, посредством модуля безопасности, дешифрованный PIN, при этом повторное шифрование PIN использует первый ключ шифрования зоны PIN, ассоциированный с первой сетью обработки платежей; и
при этом первое переведенное сообщение запроса авторизации включает в себя повторно зашифрованный PIN.
13. Способ по п. 12, в котором модуль безопасности выполнен с возможностью передачи второго переведенного сообщения запроса авторизации второй сети обработки платежей, при этом второй ключ шифрования зоны PIN используется для повторного шифрования PIN для второго переведенного сообщения запроса авторизации и второй ключ шифрования зоны уязвимых данных используется для повторного шифрования уязвимых данных для второго сообщения запроса авторизации.
14. Способ по п. 11, в котором зашифрованный PIN шифруется, используя первый вариант ключа шифрования, основанный на исходном ключе, а зашифрованные уязвимые данные шифруются, используя второй вариант ключа шифрования, основанный на исходном ключе.
15. Способ по п. 14, в котором исходный ключ генерируется посредством схемы управления ключами с извлекаемым уникальным ключом для каждой транзакции (DUKPT).
16. Способ по п. 11, в котором устройство безопасности является модулем безопасности с защитой от вмешательства.
17. Способ по п. 11, в котором устройство безопасности является модулем безопасности аппаратного обеспечения.
18. Способ по п. 11, в котором уязвимые данные включают в себя, по меньшей мере, одно из следующего: первичный номер счета (PAN), имя держателя карты, адрес держателя карты, и дискреционные данные.
19. Система, содержащая:
процессор; и
машиночитаемый носитель информации, связанный с процессором, при этом машиночитаемый носитель информации содержит код, исполняемый процессором для реализации способа маршрутизации транзакций, причем способ, содержащий этапы, на которых:
шифруют, посредством устройства доступа, личный идентификационный номер (PIN), при этом шифрование PIN использует первый вариант ключа шифрования, основанный на исходном ключе;
шифруют, посредством устройства доступа, уязвимые данные, при этом шифрование уязвимых данных использует второй вариант ключа шифрования, основанный на исходном ключе; и
передают, хост-серверу, сообщение запроса авторизации, включающее в себя зашифрованный PIN и зашифрованные уязвимые данные.
20. Система по п. 19, в которой процессор является криптопроцессором безопасности.
21. Система по п. 19, при этом система включает в себя модуль безопасности с защитой от вмешательства.
22. Система, содержащая:
процессор; и
машиночитаемый носитель информации, связанный с процессором, при этом машиночитаемый носитель информации содержит код, исполняемый процессором для реализации способа, содержащего этапы, на которых:
принимают, посредством хост-сервера, сообщение запроса авторизации, при этом сообщение запроса авторизации включает в себя зашифрованные уязвимые данные;
дешифруют, посредством модуля безопасности, соединенного с возможностью осуществления связи с сервером торговца, зашифрованные уязвимые данные;
повторно шифруют, посредством модуля безопасности, дешифрованные уязвимые данные, при этом повторное шифрование уязвимых данных использует первый ключ шифрования зоны уязвимых данных, ассоциированный с первой сетью обработки платежей; и
передают, посредством хост-сервера, первое переведенное сообщение запроса авторизации первой сети обработки платежей, при этом переведенное сообщение запроса авторизации включает в себя повторно зашифрованные уязвимые данные.
23. Система по п. 22, в которой сообщение запроса авторизации дополнительно включает в себя зашифрованный PIN, причем машиночитаемый носитель информации дополнительно содержит код, исполняемый процессором для реализации способа, содержащего этапы, на которых:
дешифруют, посредством модуля безопасности, зашифрованный PIN; и
повторно шифруют, посредством модуля безопасности, дешифрованный PIN, при этом повторное шифрование PIN использует первый ключ шифрования зоны PIN, ассоциированный с первой сетью обработки платежей; и
при этом первое переведенное сообщение запроса авторизации включает в себя повторно зашифрованный PIN.
24. Система по п. 22, в которой модуль безопасности выполнен с возможностью передачи второго переведенного сообщения запроса авторизации второй сети обработки платежей, при этом второй ключ шифрования зоны PIN используется для повторного шифрования PIN для второго переведенного сообщения запроса авторизации и второй ключ шифрования зоны уязвимых данных используется для повторного шифрования уязвимых данных для второго сообщения запроса авторизации.
25. Система по п. 22, в которой процессор является криптопроцессором безопасности.
26. Система по п. 22, при этом система включает в себя модуль безопасности с защитой от вмешательства.
27. Система по п. 22, при этом система включает в себя модуль безопасности аппаратного обеспечения.
28. Способ, содержащий этапы, на которых:
принимают данные, ассоциированные с идентификатором личного счета (PAI);
шифруют, посредством устройства доступа, PAI, при этом зашифрованный PAI имеет тот же формат, что и у PAI;
записывают зашифрованный PAI в поле сообщения запроса авторизации, при этом поле предназначено для приема PAI;
используют элемент данных сообщения запроса авторизации в качестве сигнала для идентификации наличия зашифрованного PAI в сообщении запроса авторизации; и
передают сообщение запроса авторизации.
29. Способ по п. 28, в котором PAI является первичным номером счета (PAN), при этом поднабор цифр зашифрованного PAN в сообщении запроса авторизации является зашифрованными цифрами PAN.
30. Способ по п. 29, в котором первые шесть цифр зашифрованного PAN являются точно такими же, что и первые шесть цифр незашифрованного PAN, и при этом последние четыре цифры зашифрованного PAN являются точно такими же, что и последние шесть цифр незашифрованного PAN.
31. Способ по п. 29, дополнительно содержащий этап, на котором вычисляют значение для назначенной цифры зашифрованного PAN таким образом, что последняя цифра незашифрованного PAN точно такая же, что и последняя цифра зашифрованного PAN, и при этом последняя цифра зашифрованного PAN является действительной контрольной цифрой для зашифрованного PAN.
32. Способ по п. 31, в котором назначенная цифра является двенадцатой цифрой зашифрованного PAN.
33. Способ по п. 28, в котором сообщение запроса авторизации включает в себя дату истечения срока действия, и при этом поле даты истечения срока действия сообщения запроса авторизации переписывается на измененную дату истечения срока действия, когда поле PAI сообщения запроса авторизации содержит зашифрованный PAI.
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CN106462843A (zh) 2014-05-13 2017-02-22 维萨国际服务协会 用于安全远程支付处理的主小应用程序
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US9779345B2 (en) 2014-08-11 2017-10-03 Visa International Service Association Mobile device with scannable image including dynamic data
BR112017002747A2 (pt) 2014-08-29 2018-01-30 Visa Int Service Ass método implementado por computador, e, sistema de computador.
SG11201701653WA (en) 2014-09-26 2017-04-27 Visa Int Service Ass Remote server encrypted data provisioning system and methods
US11257074B2 (en) 2014-09-29 2022-02-22 Visa International Service Association Transaction risk based token
CN106796519B (zh) 2014-10-10 2021-04-13 维萨国际服务协会 用于在移动应用更新期间部分个性化的方法和系统
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
US11501288B2 (en) 2016-02-09 2022-11-15 Visa International Service Association Resource provider account token provisioning and processing

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EP2801061A1 (en) 2014-11-12
CN109508983A (zh) 2019-03-22
RU2631983C2 (ru) 2017-09-29
EP2801061A4 (en) 2015-06-03
EP2801061B1 (en) 2020-08-26
US20220156732A1 (en) 2022-05-19
US10147089B2 (en) 2018-12-04
CN104094302A (zh) 2014-10-08
RU2017131424A (ru) 2019-02-06
US20190066102A1 (en) 2019-02-28
CN104094302B (zh) 2018-12-14
WO2013103991A1 (en) 2013-07-11
US11276058B2 (en) 2022-03-15
EP3770839A1 (en) 2021-01-27
US20130212026A1 (en) 2013-08-15

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