RU2017131424A - Защита данных с переводом - Google Patents

Защита данных с переводом Download PDF

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Publication number
RU2017131424A
RU2017131424A RU2017131424A RU2017131424A RU2017131424A RU 2017131424 A RU2017131424 A RU 2017131424A RU 2017131424 A RU2017131424 A RU 2017131424A RU 2017131424 A RU2017131424 A RU 2017131424A RU 2017131424 A RU2017131424 A RU 2017131424A
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RU
Russia
Prior art keywords
encrypted
account identifier
key
digits
pin
Prior art date
Application number
RU2017131424A
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English (en)
Inventor
Гленн ПАУЭЛЛ
Джон Ф. ШИТС
Пол ТЭЙТ
Ким Р. ВАГНЕР
Кришна Прасад КОГАНТИ
Марк ПЕРЛ
Эктор Родригес
Сью ЗЛОТ
Original Assignee
Виза Интернэшнл Сервис Ассосиэйшн
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Publication of RU2017131424A publication Critical patent/RU2017131424A/ru

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Classifications

    • 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

Claims (32)

1. Способ защиты данных, ассоциированных с транзакцией, содержащий этапы, на которых:
принимают личный идентификационный номер (PIN) и идентификатор счета;
шифруют PIN, используя вариант ключа шифрования, основанный на исходном ключе;
шифруют идентификатор счета, при этом поднабор цифр зашифрованного идентификатора счета представляет собой зашифрованные цифры идентификатора счета;
записывают зашифрованный идентификатор счета в поле сообщения запроса авторизации; и
передают сообщение запроса авторизации, включающее в себя зашифрованный PIN и зашифрованный идентификатор счета хост-серверу.
2. Способ по п. 1, в котором исходный ключ извлекается из базового ключа извлечения.
3. Способ по п. 1, в котором идентификатор счета шифруется, используя шифрование с сохранением формата.
4. Способ по п. 1, в котором последняя цифра зашифрованного идентификатора счета имеет то же значение, что и последняя цифра идентификатора счета.
5. Способ по п. 1, в котором первые шесть цифр зашифрованного идентификатора счета имеют то же значение, что и первые шесть цифр идентификатора счета.
6. Способ по п. 1, в котором идентификатор счета зашифрован, используя второй вариант ключа шифрования, основанный на исходном ключе.
7. Способ по п. 1, в котором зашифрованный идентификатор счета дополнительно повторно шифруется, используя ключ шифрования зоны.
8. Способ по п. 1, в котором зашифрованный PIN дополнительно повторно шифруется, используя ключ шифрования зоны.
9. Способ по п. 1, в котором поле даты истечения срока действия сообщения запроса авторизации переписывается на измененную дату истечения срока действия, для указания того, что сообщение запроса авторизации содержит зашифрованный идентификатор счета.
10. Способ по п. 1, в котором измененная дата истечения срока действия извлекается посредством добавления по меньшей мере двадцати лет к дате истечения срока действия, ассоциированной с идентификатором счета.
11. Система защиты данных, ассоциированных с транзакцией, содержащая:
процессор; и
машиночитаемый носитель информации, связанный с процессором, при этом машиночитаемый носитель информации содержит код, исполняемый процессором для осуществления операций, содержащих:
прием личного идентификационного номера (PIN) и идентификатора счета;
шифрование PIN, используя первый вариант ключа шифрования, основанный на исходном ключе;
шифрование идентификатора счета, причем поднабор цифр зашифрованного идентификатора счета представляет собой зашифрованные цифры идентификатора счета;
запись зашифрованного идентификатора счета в поле сообщения запроса авторизации; и
передачу сообщения запроса авторизации, включающего в себя зашифрованный PIN и зашифрованный идентификатор счета хост-серверу.
12. Система по п. 11, в которой исходный ключ извлекается из базового ключа извлечения.
13. Система по п. 11, в которой идентификатор счета шифруется, используя шифрование с сохранением формата.
14. Система по п. 11, в которой последняя цифра зашифрованного идентификатора счета имеет то же значение, что и последняя цифра идентификатора счета.
15. Система по п. 11, в которой первые шесть цифр зашифрованного идентификатора счета имеют то же значение, что и первые шесть цифр идентификатора счета.
16. Система по п. 11, в которой идентификатор счета зашифрован, используя второй вариант ключа шифрования, основанный на исходном ключе.
17. Система по п. 11, в которой зашифрованный идентификатор счета дополнительно повторно шифруется, используя ключ шифрования зоны.
18. Система по п. 11, в которой зашифрованный PIN дополнительно повторно шифруется, используя ключ шифрования зоны.
19. Система по п. 11, в которой поле даты истечения срока действия сообщения запроса авторизации переписывается на измененную дату истечения срока действия, для указания того, что сообщение запроса авторизации содержит зашифрованный идентификатор счета.
20. Система по п. 11, в которой измененная дата истечения срока действия извлекается посредством добавления по меньшей мере двадцати лет к дате истечения срока действия, ассоциированной с идентификатором счета.
RU2017131424A 2012-01-05 2013-01-07 Защита данных с переводом RU2017131424A (ru)

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201261583550P 2012-01-05 2012-01-05
US61/583,550 2012-01-05
US201261607546P 2012-03-06 2012-03-06
US61/607,546 2012-03-06
US201261704428P 2012-09-21 2012-09-21
US61/704,428 2012-09-21

Related Parent Applications (1)

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RU2014132162A Division RU2631983C2 (ru) 2012-01-05 2013-01-07 Защита данных с переводом

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RU2017131424A true RU2017131424A (ru) 2019-02-06

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RU2014132162A RU2631983C2 (ru) 2012-01-05 2013-01-07 Защита данных с переводом

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US (3) US10147089B2 (ru)
EP (2) EP2801061B1 (ru)
CN (2) CN104094302B (ru)
RU (2) RU2017131424A (ru)
SG (1) SG11201403861XA (ru)
WO (1) WO2013103991A1 (ru)

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US20190066102A1 (en) 2019-02-28
WO2013103991A1 (en) 2013-07-11
SG11201403861XA (en) 2014-08-28
EP2801061A4 (en) 2015-06-03
CN104094302A (zh) 2014-10-08
EP2801061B1 (en) 2020-08-26
US20130212026A1 (en) 2013-08-15
US10147089B2 (en) 2018-12-04
RU2014132162A (ru) 2016-02-27
RU2631983C2 (ru) 2017-09-29
US20220156732A1 (en) 2022-05-19
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CN109508983A (zh) 2019-03-22

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