TW369645B - Transaction key generation system - Google Patents

Transaction key generation system

Info

Publication number
TW369645B
TW369645B TW086119891A TW86119891A TW369645B TW 369645 B TW369645 B TW 369645B TW 086119891 A TW086119891 A TW 086119891A TW 86119891 A TW86119891 A TW 86119891A TW 369645 B TW369645 B TW 369645B
Authority
TW
Taiwan
Prior art keywords
transaction
transactions
present
key
unidirectional
Prior art date
Application number
TW086119891A
Other languages
Chinese (zh)
Inventor
Michael Joseph Mapson
Original Assignee
Commw Bank Of Australia
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Commw Bank Of Australia filed Critical Commw Bank Of Australia
Application granted granted Critical
Publication of TW369645B publication Critical patent/TW369645B/en

Links

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
    • G06Q20/04—Payment circuits
    • 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
    • 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
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • 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
    • H04L9/0891—Revocation or update of secret information, e.g. encryption key update or rekeying
    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Signal Processing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to the generation of an encryption key for a message to be transmitted over a communications network, where there is no real time link between the encryption and decryption devices. Without limitation, one application of the present invention is in financial transactions between a customer, vendor and financial institution. In essence, the present invention stems from the recognition that if the transactions are not necessarily to occur in real time nor in an environment of total security in transmission, then the transaction must be considered as unidirectional from the customer (or their device) to the tissue. Thus, from the customers end, unique key is generated for each transaction, preferably without reference to external devices. In one form, the unique key protects in particular, PIN or the like provided by the cardholder. However, the device issuing institution will be aware of the basic encryption key for each device, and when coupled with further data (in the illustrative case a random number input to a rotation or other rearrangement algorithm), the issuer can recover the correct key and decrypt this protected part of the transaction identification block. Also two unidirectional transactions may form a bidirectional transaction session.
TW086119891A 1996-12-30 1997-12-29 Transaction key generation system TW369645B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
AUPO4417A AUPO441796A0 (en) 1996-12-30 1996-12-30 Transaction key generation system

Publications (1)

Publication Number Publication Date
TW369645B true TW369645B (en) 1999-09-11

Family

ID=3798725

Family Applications (1)

Application Number Title Priority Date Filing Date
TW086119891A TW369645B (en) 1996-12-30 1997-12-29 Transaction key generation system

Country Status (4)

Country Link
AU (1) AUPO441796A0 (en)
TW (1) TW369645B (en)
WO (1) WO1998029983A1 (en)
ZA (1) ZA9711631B (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AUPP752398A0 (en) 1998-12-04 1999-01-07 Collins, Lyal Sidney Secure multi-point data transfer system
JP4519963B2 (en) 1999-06-21 2010-08-04 富士通株式会社 Biometric information encryption / decryption method and apparatus, and personal authentication system using biometric information
US7630989B2 (en) 2002-05-17 2009-12-08 Colonial First State Investments Ltd. Transaction management system
US9633351B2 (en) * 2009-11-05 2017-04-25 Visa International Service Association Encryption switch processing
EP3908923B1 (en) 2019-01-09 2023-04-19 Visa International Service Association Method, system, and computer program product for network bound proxy re-encryption and pin translation

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1988001817A1 (en) * 1986-09-02 1988-03-10 Unisys Corporation Stations for communicating with encrypted messages via randomly selected circularly stored keys
US5478994A (en) * 1994-07-13 1995-12-26 Rahman; Sam Secure credit card which prevents unauthorized transactions
US5960086A (en) * 1995-11-02 1999-09-28 Tri-Strata Security, Inc. Unified end-to-end security methods and systems for operating on insecure networks

Also Published As

Publication number Publication date
AUPO441796A0 (en) 1997-01-23
WO1998029983A1 (en) 1998-07-09
ZA9711631B (en) 1998-07-09

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