WO1998009256A1 - Method for the preparation of a chip card application and device for the execution of this method - Google Patents

Method for the preparation of a chip card application and device for the execution of this method Download PDF

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Publication number
WO1998009256A1
WO1998009256A1 PCT/EP1996/003840 EP9603840W WO9809256A1 WO 1998009256 A1 WO1998009256 A1 WO 1998009256A1 EP 9603840 W EP9603840 W EP 9603840W WO 9809256 A1 WO9809256 A1 WO 9809256A1
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WO
WIPO (PCT)
Prior art keywords
chip card
software
terminal
card terminal
application
Prior art date
Application number
PCT/EP1996/003840
Other languages
German (de)
French (fr)
Inventor
Michael Gundlach
Original Assignee
Siemens Aktiengesellschaft
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 Siemens Aktiengesellschaft filed Critical Siemens Aktiengesellschaft
Priority to PCT/EP1996/003840 priority Critical patent/WO1998009256A1/en
Publication of WO1998009256A1 publication Critical patent/WO1998009256A1/en

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Classifications

    • 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
    • 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

Definitions

  • a standard GSM telephone usually only accepts a chip card for GSM (so-called Subscriber Identity Module, SIM), a public telephone often only a telephone card (of the associated network operator), a DECT telephone normally only a chip card for DECT (so-called. DECT Authentication Module), etc.
  • SIM Subscriber Identity Module
  • DECT DECT Authentication Module
  • Further standards for special chip card applications are being prepared worldwide, e.g. the Personal Identity Card (Personal Identification Module, PIM), a chip card for UPT (Universal Personal Telecommunication).
  • a chip card reader can be integrated in a terminal, but it can also be an additional device. Since this difference is not important for the invention, in the following chip card reader and terminal are collectively referred to as a chip card terminal.
  • Conventional chip card terminals are practically always specific for one application or (rarely) for a few applications. New chip card applications are therefore often not used or are used only sluggishly because special end devices would be necessary for this, which would be associated with high costs.
  • chip cards are standardized to the extent that the physical and logical interfaces fit in a large number of end devices. Only the application software required for communication with the network, for example with the application servers and the authentication servers, is specific to the respective application. According to some standards, there are so-called multifunctional chip cards with which several different applications can be carried out. However, this usually requires several end devices, each of which is only equipped for one application or (rarely) for a few applications.
  • a chip card for UPT could also be used in a public telephone or in a DECT telephone, or if a chip card for home banking could be used in a GSM telephone. Any other combinations would also be conceivable as desirable.
  • both the chip card and the end device would be multifunctional, so that even several applications could be active at the same time, e.g. GSM and home banking. So far, there are no chip card terminals that could be easily expanded to new applications. Different chip cards are only accepted by a few terminals, e.g. some public telephone devices that can be used with phone cards or credit cards.
  • the present invention is therefore based on the object of specifying a technical teaching which can be implemented. enabled many of the applications described with a single (universally applicable) chip card terminal.
  • This object is achieved with the aid of a chip card software server according to claim 1, with the aid of a chip card terminal according to claim 2 or with the aid of a method for preparing to carry out a chip card application with features according to claim 3.
  • the software required to carry out an application is transmitted from a chip card software server to the chip card terminal via a data transmission device in order to be able to carry out different chip card applications with the aid of a chip card terminal.
  • One-sided or mutual authentication methods can be used here.
  • the teaching according to the invention avoids direct communication between the chip card and the network without control by an application in the terminal, which must be rejected for security reasons, since some data, such as e.g. a personal identification number (PIN), or some evaluated in the terminal
  • PIN personal identification number
  • Another advantage of the present invention is the possibility of extremely easy maintenance and updating of the application software in the chip card terminals. According to the present invention, this only has to be exchanged on the software server.
  • the following figures are to be used to describe the invention.
  • FIG. 1 schematically shows a typical, general network structure as it is based on the invention.
  • FIG. 2 shows schematically the essential devices and their interaction in the implementation of the invention.
  • FIG. 3 shows a typical communication protocol in connection with the present invention and the basic sequence of the method according to the invention.
  • FIG. 4 schematically shows the basic architecture of the chip card software server according to the invention.
  • FIG. 5 schematically shows the basic architecture of the chip card terminal according to the invention.
  • the invention provides a chip card terminal (CCT) which can be connected to any chip card via any (ie at least one) data transmission device (eg a network, NW), preferably a data network, a computer network or a communication network
  • NW data transmission device
  • NW preferably a data network
  • Software server can connect. Since many, if not most, chip card applications (applications) have a data connection anyway to one or more application servers, these are also connected in FIG. 1 via the network (NW) to the chip card terminal (potentially, temporarily or permanently).
  • NW network
  • NW network
  • the chip card terminal is a personal computer with e.g. Chip card reader connected in series and with a device driver for this chip card reader running on this computer
  • the connection to the chip card software server could e.g. over a TCP / IP network connection (e.g. Internet).
  • the chip card software server could then be any computer on the Internet.
  • the personal computer is also connected to a public digital telephone network (landline) via an ISDN card.
  • Various online services such as the BTX (T-Online), CompuServe, etc. are used or telephone calls are made.
  • the computer's ISDN card is also connected to a telephone handset.
  • a user of the computer could, for example, insert a calling card from a private telephone company into the chip card terminal.
  • the device driver or other software running on the computer could now recognize that the calling card is a chip card for which no application software is currently available on the computer, similar to, for example, some operating systems for personal computers which report when a disk is inserted, that this is not readable for this operating system, or which with Select a file (eg click on it with the mouse) and report that no application software is available to edit or open this file.
  • the driver or other software available on the computer could then establish a connection to a chip card software server and download a calling card application software from the latter, which enables the calling card to be used on this computer.
  • the computer then becomes a calling card chip card terminal by downloading the application software of the calling card and by loading and starting this software.
  • the user could now make the long-distance call he wanted via the private telephone company as usual.
  • the chip card terminal could also be a set top box, which is used by its user for home banking, orders in mail order companies (teleshopping) and other interactive applications in which the user has to authenticate himself with the help of one or more chip cards. If the desired application does not clearly derive from the type of chip card inserted in each case, the user selects the desired application, for example with the aid of interactive television. If the Set Top Box (ie software running on it) detects that the chip card application software is not available for the selected application, the Set Top Box automatically loads the required chip card with the help of software running on it. Application software from a suitable chip card software server and executes it on its own processor. The The user can now run the application he wants.
  • a set top box which is used by its user for home banking, orders in mail order companies (teleshopping) and other interactive applications in which the user has to authenticate himself with the help of one or more chip cards. If the desired application does not clearly derive from the type of chip card inserted in each case, the user selects the desired application, for example
  • the invention further provides that means (DLM1) for transmitting the required chip card application software are available via a or the data transmission device (DTD) to the chip card terminal.
  • DTD data transmission device
  • These means are preferably suitable software modules; they can be integrated in the chip card terminal or in the chip card software server and each run on the processors of these devices.
  • standard software is available for downloading software according to standard protocols (FTP, ZMODEM, 6 etc.).
  • the chip card application software itself could be transferred, for example, as a JAVA program.
  • the individual communication processes are clearly shown in Figure 2. While the communication (ComST) of the chip card terminal (CCT) with the chip card software server (CSS) is carried out via a data transmission device (DTD), which typically comprises a network (NW), the communication is running. nication (ComCT) of the chip card (CC) with the chip card terminal (CCT) via the electrical contacts of the card and the terminal into which the chip card is inserted. Depending on the type of application, in many cases the terminal communicates with application servers (AS1, AS2, AS3) via a data transmission device (DTD), which may be identical to the first data transmission device but need not be.
  • DTD data transmission device
  • AS1, AS2, AS3 application servers
  • DTD data transmission device
  • a user of the chip card terminal selects a desired application (chip card application).
  • This selection process can be omitted if the type of chip card inserted in the chip card terminal already clearly shows the desired application. Otherwise, the user could select the desired application using a keyboard or menu-driven or by natural language, etc.
  • the chip card terminal may determine the availability of the application (XA?), For example if the user made the selection using a keyboard. This step can be omitted for a menu-driven or similar selection. It can also consist in checking the topicality of the version of the chip card application software available on the chip card terminal.
  • the chip card terminal establishes a connection (Con) to a chip card software server (CSS) via a data transmission device (DTD).
  • DTD data transmission device
  • the server can - for example to ensure correct cost allocation - from the chip card Terminal require authentication.
  • the chip card terminal can also request authentication from the server in order to prevent the transmission of counterfeit software, which could open up opportunities for fraud to hackers.
  • Known methods are available in large numbers for such authentications. You therefore do not need to be described further here.
  • the chip card application software can be provided with a cryptographic checksum or a digital signature in order to detect any falsification of the chip card application software that has occurred during the transmission.
  • Known methods are also available in large numbers for cryptographic checksums and digital signatures.
  • the transferred chip card application software is executed on the processor of the chip card terminal and the actual application can be carried out.
  • This normally consists of communication between the chip card (CC) and an application server (AS), which is mediated by the chip card terminal using the chip card application software (AppCom).
  • the user (U), controlled by the chip card application software can also be involved in this communication, e.g. B. to enter a Personal Identification Number (PIN).
  • the invention provides a chip card software server (CSS) for carrying out the method shown in FIG. 3, which has means (SM) for storing a chip card application software (SW) and means ( DLMl) for the transmission of this software via a data transmission device (DTD) to a chip card terminal (CCT).
  • SCS chip card software server
  • DLML means for transmission can include, for example, a WWW server (software module on the CSS), which carries out the transmission of the software as soon as the Uniform Resource Locator (URL) of a corresponding HTML document on the chip card software server (CSS) ) was called (sig) by the chip card terminal (CCT).
  • a WWW server software module on the CSS
  • URL Uniform Resource Locator
  • sig chip card terminal
  • means (DLM2) for transmitting the software (SW) are also provided in the chip card terminal (CCT).
  • DLM2 means for transmitting the software (SW) are also provided in the chip card terminal (CCT).
  • CCT chip card terminal
  • These funds could e.g. be implemented by a terminal program that runs on the chip card terminal and carries out the download.
  • the person skilled in the art is familiar with many other possibilities for carrying out the transfer which are equivalent with regard to the invention.

Abstract

Method for the preparation of a chip card application and device for the execution of this method. In order to run various chip card applications using a chip card terminal (CCT) the software (SW) required to run the application is transmitted to the chip card terminal from a chip card software server (CSS) via data transmission equipment (DTD, NW). One-way and mutual authentification procedures are thus used.

Description

Beschreibungdescription
Verfahren zur Vorbereitung der Durchführung einer Chipkarten- Applikation und Vorrichtungen zur Durchführung dieses Verfah- rens .Process for preparing to carry out a chip card application and devices for carrying out this process.
Chipkar enlesende Endgeräte gibt es heute in großer Zahl für unterschiedlichste Anwendungen. Meist sind diese Endgeräte spezialisiert auf eine oder (selten) nur wenige Anwendungen (Applikationen) . So akzeptiert ein handelsübliches GSM-Telefon normalerweise nur eine Chipkarte für GSM (sog. Subscriber Identity Module, SIM) , ein öffentlicher Fernsprecher oft nur eine Telefonkarte (des zugehörigen Netzbetreibers) , ein DECT- Telefon im Normalfall nur eine Chipkarte für DECT (sog. DECT Authentication Module), u.s.w.. Weitere Standards für spezielle Chipkarten-Applikationen werden weltweit vorbereitet, z.B. die Personal Identity Card (Personal Identification Module, PIM) , eine Chipkarte für UPT (Universal Personal Tele- communication) .There are a large number of chip card reading devices for a wide variety of applications. Most of these devices are specialized in one or (rarely) only a few applications. A standard GSM telephone usually only accepts a chip card for GSM (so-called Subscriber Identity Module, SIM), a public telephone often only a telephone card (of the associated network operator), a DECT telephone normally only a chip card for DECT (so-called. DECT Authentication Module), etc. Further standards for special chip card applications are being prepared worldwide, e.g. the Personal Identity Card (Personal Identification Module, PIM), a chip card for UPT (Universal Personal Telecommunication).
Ein Chipkartenleser kann in ein Endgerät integriert sein,- er kann aber auch ein Zusatzgerät sein. Da dieser Unterschied für die Erfindung nicht wichtig ist, werden im folgenden Chipkartenleser und Endgerät zusammen als Chipkarten-Terminal bezeichnet. Herkömmliche Chipkarte -Terminals sind praktisch immer für eine Applikation oder (selten) für einige wenige Applikationen spezifisch. Neue Chipkarten-Anwendungen kommen deshalb häufig nicht oder nur schleppend zum Einsatz, weil hierfür spezielle Endgeräte notwendig wären, die mit hohen Kosten verbunden wären. Andererseits sind Chipkarten insoweit standardisiert, daß die physikalischen und logischen Schnittstellen in sehr viele Endgeräte passen. Lediglich die zur Kommunikation mit dem Netz, also z.B. mit den Applikations-Servern und den Authen- tisierungε-Servern erforderliche Applikations-Software ist für die jeweilige Applikation spezifisch. Zwar gibt es gemäß einigen Standards sogenannte multifunktionale Chipkarten, mit denen mehrere unterschiedliche Applikationen durchgeführt werden können. Hierfür sind jedoch meist mehrere Endgeräte notwendig, die jeweils nur für eine Applikation oder (selten) für einige wenige Applikationen ausgerüstet sind.A chip card reader can be integrated in a terminal, but it can also be an additional device. Since this difference is not important for the invention, in the following chip card reader and terminal are collectively referred to as a chip card terminal. Conventional chip card terminals are practically always specific for one application or (rarely) for a few applications. New chip card applications are therefore often not used or are used only sluggishly because special end devices would be necessary for this, which would be associated with high costs. On the other hand, chip cards are standardized to the extent that the physical and logical interfaces fit in a large number of end devices. Only the application software required for communication with the network, for example with the application servers and the authentication servers, is specific to the respective application. According to some standards, there are so-called multifunctional chip cards with which several different applications can be carried out. However, this usually requires several end devices, each of which is only equipped for one application or (rarely) for a few applications.
Es wäre andererseits wünschenswert, daß z.B. eine Chipkarte für UPT auch in einem öffentlichen Fernsprecher oder in einem DECT-Telefon verwendet werden könnte, oder wenn eine Chipkarte für Home Banking in einem GSM-Telefon verwendet werden könnte. Beliebige andere Kombinationen wären ebenfalls als wünschenswert denkbar. Im Idealfall wären sowohl die Chip- karte als auch das Endgerät multifunktional, so daß sogar mehrere Applikationen gleichzeitig aktiv sein könnten, z.B. GSM und Home Banking. Bisher gibt es keine Chipkarten-Terminals, die einfach auf neue Applikationen erweiterbar wären. Unterschiedliche Chipkarten werden nur von wenigen Terminals akzeptiert, z.B. von manchen öffentlichen Telefongeräten, die mit Telefonkarten oder mit Kreditkarten verwendet werden können.On the other hand, it would be desirable for e.g. a chip card for UPT could also be used in a public telephone or in a DECT telephone, or if a chip card for home banking could be used in a GSM telephone. Any other combinations would also be conceivable as desirable. Ideally, both the chip card and the end device would be multifunctional, so that even several applications could be active at the same time, e.g. GSM and home banking. So far, there are no chip card terminals that could be easily expanded to new applications. Different chip cards are only accepted by a few terminals, e.g. some public telephone devices that can be used with phone cards or credit cards.
Der vorliegenden Erfindung liegt daher die Aufgabe zugrunde, eine technische Lehre anzugeben, die die Realisierung mög- liehst vieler der geschilderten Applikationen mit einem einzigen (universell einsetzbaren) Chipkarten-Terminal ermöglicht. Diese Aufgabe wird mit Hilfe eines Chipkarten-Software-Servers nach Anspruch 1, mit Hilfe eines Chipkarten-Ter- minals nach Anspruch 2 oder mit Hilfe eines Verfahrens zur Vorbereitung der Durchführung einer Chipkarten-Applikation mit Merkmalen nach Anspruch 3 gelöst . Dabei wird die zur Durchführung einer Applikation benötigte Software von einem Chipkarten-Software-Server über eine Datenübertragungsein- richtung an das Chipkarten-Terminal übertragen, um unterschiedliche Chipkarten-Applikationen mit Hilfe eines Chipkarten-Terminals durchführen zu können. Hierbei können einseitige oder gegenseitige Authentisierungsverfahren eingesetzt werden .The present invention is therefore based on the object of specifying a technical teaching which can be implemented. enabled many of the applications described with a single (universally applicable) chip card terminal. This object is achieved with the aid of a chip card software server according to claim 1, with the aid of a chip card terminal according to claim 2 or with the aid of a method for preparing to carry out a chip card application with features according to claim 3. The software required to carry out an application is transmitted from a chip card software server to the chip card terminal via a data transmission device in order to be able to carry out different chip card applications with the aid of a chip card terminal. One-sided or mutual authentication methods can be used here.
Die erfindungsgemäße Lehre vermeidet eine direkte Kommunikation zwischen Chipkarte und Netz ohne Steuerung durch eine Applikation im Endgerät, welche aus Sicherheitsgründen abzulehnen ist, da manche Daten, wie z.B. eine Personal Identifi- cation Number (PIN) , oder manche im Endgerät ausgewertetenThe teaching according to the invention avoids direct communication between the chip card and the network without control by an application in the terminal, which must be rejected for security reasons, since some data, such as e.g. a personal identification number (PIN), or some evaluated in the terminal
Zwischenergebnisse von Berechnungen nicht über das Netz übertragen werden dürfen.Intermediate results of calculations may not be transmitted over the network.
Ein weiterer Vorteil der vorliegenden Erfindung ist die Mög- lichkeit der überaus einfachen Pflege und Aktualisierung der Applikations-Sof ware in den Chipkarten-Terminals. Diese muß nämlich gemäß der vorliegenden Erfindung lediglich auf dem Software-Server ausgetauscht werden. Zur Beschreibung der Erfindung sollen die folgenden Figuren herangezogen werden.Another advantage of the present invention is the possibility of extremely easy maintenance and updating of the application software in the chip card terminals. According to the present invention, this only has to be exchanged on the software server. The following figures are to be used to describe the invention.
Figur l zeigt in schematischer Weise eine typische, allge- meine Netzstruktur, wie sie der Erfindung zugrundeliegt.FIG. 1 schematically shows a typical, general network structure as it is based on the invention.
Figur 2 zeigt in schematischer Weise die wesentlichen Vorrichtungen und ihr Zusammenspiel bei der Ausführung der Erfindung.Figure 2 shows schematically the essential devices and their interaction in the implementation of the invention.
Figur 3 zeigt ein typisches Kommunikationsprotokoll im Zusammenhang mit der vorliegenden Erfindung und den prinzipiellen Ablauf des erfindungsgemäßen Verfahrens .FIG. 3 shows a typical communication protocol in connection with the present invention and the basic sequence of the method according to the invention.
Figur 4 zeigt in schematischer Weise die prinzipielle Architektur des erfindungsgemäßen Chipkarten-Software-Servers .FIG. 4 schematically shows the basic architecture of the chip card software server according to the invention.
Figur 5 zeigt in schematischer Weise die prinzipielle Architektur des erfindungsgemäßen Chipkarten-Terminals .FIG. 5 schematically shows the basic architecture of the chip card terminal according to the invention.
Im folgenden wird die Erfindung anhand der Figuren und mit Hilfe bevorzugter Ausführungsbeispiele näher beschrieben.The invention is described in more detail below with reference to the figures and with the aid of preferred exemplary embodiments.
Wie in Figur 1 dargestellt, sieht die Erfindung ein Chipkar- ten-Terminal (CCT) vor, das über irgend eine (d.h. mindestens eine) Datenübertragungseinrichtung (z.B ein Netzwerk, NW), vorzugsweise ein Datennetz, ein Computernetz oder ein Kommunikationsnetz mit einem Chipkarten-Software-Server in Verbindung treten kann. Da viele, wenn nicht die meisten Chipkar- ten-Anwendungen (Applikationen) ohnehin eine Datenverbindung zu einem oder mehreren Applikations-Servern beinhalten, sind diese in Figur 1 ebenfalls über das Netzwerk (NW) mit dem Chipkarten-Terminal (potentiell, temporär oder dauerhaft) verbunden. Natürlich können auch mehrere Netzwerke zum Ein- satz kommen.As shown in FIG. 1, the invention provides a chip card terminal (CCT) which can be connected to any chip card via any (ie at least one) data transmission device (eg a network, NW), preferably a data network, a computer network or a communication network Software server can connect. Since many, if not most, chip card applications (applications) have a data connection anyway to one or more application servers, these are also connected in FIG. 1 via the network (NW) to the chip card terminal (potentially, temporarily or permanently). Of course, several networks can also be used.
Ist zum Beispiel das Chipkarten-Terminal ein Personal Computer mit einem z.B. seriell daran angeschlossenen Chipkartenleser und mit einem auf diesem Computer laufenden Gerätetrei- ber für diesen Chipkartenleser, dann könnte die Verbindung zu dem Chipkarten-Software-Server z.B. über eine TCP/IP-Netz- werkverbindung (z.B. Internet) hergestellt werden. Der Chipkarten-Software-Server könnte dann ein beliebiger Rechner im Internet sein. Nehmen wir an, der Personal Computer sei fer- ner über eine ISDN-Karte mit einem öffentlichen digitalen Telefonnetz (Festnetz) verbunden. Über dieses Telefonnetz können diverse Online-Dienste, wie z.B. das BTX (T-Online) , CompuServe, etc. genutzt oder auch Telefongespräche geführt werden. Dazu sei die ISDN-Karte des Computers noch mit einem Te- lefonhörer verbunden.For example, if the chip card terminal is a personal computer with e.g. Chip card reader connected in series and with a device driver for this chip card reader running on this computer, then the connection to the chip card software server could e.g. over a TCP / IP network connection (e.g. Internet). The chip card software server could then be any computer on the Internet. Let us assume that the personal computer is also connected to a public digital telephone network (landline) via an ISDN card. Various online services, such as the BTX (T-Online), CompuServe, etc. are used or telephone calls are made. The computer's ISDN card is also connected to a telephone handset.
Für ein Ferngespräch könnte ein Benutzer des Computers nun z.B. eine Calling Card einer privaten Telefongesellschaft in das Chipkarten-Terminal einstecken. Der Gerätetreiber oder eine andere auf dem Computer laufende Software könnte nun erkennen, daß die Calling Card eine Chipkarte ist, für die auf dem Computer derzeit keine Applikationssof ware verfügbar ist, ähnlich wie z.B. einige Betriebssysteme für Personal Computer, die beim Einlegen einer Diskette melden, daß diese für dieses Betriebssystem nicht lesbar sei, oder welche beim Auswählen einer Datei (z.B. Anklicken mit der Maus) melden, daß keine Applikations-Software zum Bearbeiten oder Öffnen dieser Datei verfügbar ist . Daraufhin könnte der Treiber oder eine weitere auf dem Computer verfügbare Software eine Ver- bindung zu einem Chipkarten-Software-Server aufbauen und von diesem eine Calling Card Application Software herunterladen, welche die Benutzung der Calling Card auf diesem Computer ermöglicht. Der Computer wird dann durch den Download der Applikations-Software der Calling Card und durch das Laden und Starten dieser Software zu einem Calling Card Chipkarten-Terminal. Nun könnte der Benutzer das von ihm gewünschte Ferngespräch wie gewohnt über die private Telefongesellschaft führen.For a long distance call, a user of the computer could, for example, insert a calling card from a private telephone company into the chip card terminal. The device driver or other software running on the computer could now recognize that the calling card is a chip card for which no application software is currently available on the computer, similar to, for example, some operating systems for personal computers which report when a disk is inserted, that this is not readable for this operating system, or which with Select a file (eg click on it with the mouse) and report that no application software is available to edit or open this file. The driver or other software available on the computer could then establish a connection to a chip card software server and download a calling card application software from the latter, which enables the calling card to be used on this computer. The computer then becomes a calling card chip card terminal by downloading the application software of the calling card and by loading and starting this software. The user could now make the long-distance call he wanted via the private telephone company as usual.
Das Chipkarten-Terminal könnte aber auch eine Set Top Box sein, die von ihrem Benutzer für Home Banking, Bestellungen in Warenversandhäusern (Teleshopping) und andere interaktive Anwendungen genutzt wird, bei denen der Benutzer sich mit Hilfe einer oder mehrerer Chipkarten legitimieren muß. Sofern die gewünschte Applikation sich nicht eindeutig aus der Art der jeweils eingesteckten Chipkarte ergibt, wählt der Benutzer, z.B. mit Hilfe des interaktiven Fernsehens, die von ihm gewünschte Applikation aus. Stellt die Set Top Box (d.h. eine auf ihr laufende Software) fest, daß die Chipkarten-Applika- tions-Software für die gewählte Applikation nicht verfügbar ist, lädt die Set Top Box mit Hilfe einer auf ihr laufenden Software nun automatisch die benötigte Chipkarten-Applikations-Software von einem geeigneten Chipkarten-Software-Server und bringt diese auf ihrem eigenen Prozessor zum Ablauf . Der Benutzer kann nun die von ihm gewünschte Applikation durchführen .The chip card terminal could also be a set top box, which is used by its user for home banking, orders in mail order companies (teleshopping) and other interactive applications in which the user has to authenticate himself with the help of one or more chip cards. If the desired application does not clearly derive from the type of chip card inserted in each case, the user selects the desired application, for example with the aid of interactive television. If the Set Top Box (ie software running on it) detects that the chip card application software is not available for the selected application, the Set Top Box automatically loads the required chip card with the help of software running on it. Application software from a suitable chip card software server and executes it on its own processor. The The user can now run the application he wants.
Dabei können aus dem Internet bekannte Verfahren (ARCHIE, FTP, JAVA etc.) oder geeignete Abwandlungen solcher Verfahren eingesetzt werden, mit deren Hilfe ein Server mit der gesuchten Software im Internet oder in einem anderen Kommunikati- ons-, Daten- oder Computernetz gefunden werden und die Software heruntergeladen werden kann. Für die Erfindung ist es nicht wichtig, welches Gerät (Computer, Kommunikationsendgerät, etc.) als Chipkarten-Terminal verwendet wird. Es wird lediglich vorausgesetzt, daß die grundsätzlich zur Verarbeitung von Chipkarten benötigte Hard- und Software bereits vorhanden ist. Die Erfindung sieht vor, daß das Chipkarten-Ter- minal (Figur 5) an mindestens eine Datenübertragungseinrichtung (gegebenenfalls auch drahtlos, z.B. per Mobilfunk) angeschlossen ist oder über eine solche verfügt, so daß das Chipkarten-Terminal einem Chipkarten-Software-Server signalisieren kann, daß es eine Chipkarten-Applikations-Software - und, falls dort mehrere derartige So tware-Produkte gespeichert sind, welche Chipkarten-Applikations-Software es - benötigt. Ferner sieht die Erfindung vor, daß Mittel (DLM1) zur Übertragung der benötigten Chipkarten-Applikations-Software über eine bzw. die Datenübertragungseinrichtung (DTD) an das Chip- karten-Terminal vorhanden sind. Diese Mittel sind vorzugsweise geeignete Softwaremodule; sie können in das Chipkarten- Terminal oder in den Chipkarten-Software-Server integriert sein und jeweils auf den Prozessoren dieser Vorrichtungen ablaufen. Im einfachsten Falle kommt eine Standardsoftware zum Download von Software nach Standard-Protokollen (FTP, ZMODEM, 6 etc.) zum Einsatz. Die Chipkarten-Applikations-Software selbst könnte z.B. als JAVA-Programm übertragen werden. Dem Fachmann sind im Hinblick auf die Erfindung gleichwertige Lösungen in großer Zahl bekannt.In this case, methods known from the Internet (ARCHIE, FTP, JAVA etc.) or suitable modifications of such methods can be used, with the aid of which a server with the software sought can be found on the Internet or in another communication, data or computer network and the software can be downloaded. It is not important for the invention which device (computer, communication terminal, etc.) is used as a chip card terminal. It is only assumed that the hardware and software required for processing chip cards is already available. The invention provides that the chip card terminal (FIG. 5) is connected to or has at least one data transmission device (possibly also wirelessly, for example by mobile radio), so that the chip card terminal signals a chip card software server can that it a chip card application software - and, if there are several such Tware products stored, which chip card application software it - needs. The invention further provides that means (DLM1) for transmitting the required chip card application software are available via a or the data transmission device (DTD) to the chip card terminal. These means are preferably suitable software modules; they can be integrated in the chip card terminal or in the chip card software server and each run on the processors of these devices. In the simplest case, standard software is available for downloading software according to standard protocols (FTP, ZMODEM, 6 etc.). The chip card application software itself could be transferred, for example, as a JAVA program. A large number of equivalent solutions are known to the person skilled in the art with regard to the invention.
Obwohl in Figur l alle Applikationen über Applikations-Server (AS1, AS2, AS3) ausgeführt werden, die über ein Netzwerk (NW) mit dem Chipkarten-Terminal (CCT) kommunizieren, ist es für die Erfindung nicht notwendig, daß die eigentliche Chipkar- ten-Anwendung über eine Datenverbindung abgewickelt wird. Es wäre z.B. denkbar, daß mit einem Chipkarten-Terminal eine Kleingeld-Chipkarte, mit der man z.B. Waren aus dafür ausgerüsteten Automaten ziehen oder telefonieren kann, in einer Bank gegen Barzahlung oder durch Lastschrift vom Konto eines Kunden geladen werden soll. Die Chipkarten-Applikations-Software für die Kleingeld-Chipkarte der Bank A ist auf dem Chipkarten-Terminal der Bank B aber noch nicht verfügbar. Deshalb wird diese nach der Erfindung nun automatisch z.B. über ISDN von dem Server der Bank A heruntergeladen. Die eigentliche Chipkarten-Applikation in diesem Fall, das Laden der Kleingeld-Karte, erfolgt dabei in dem Chipkarten-Terminal ohne externe Kommunikation. Eine Datenfernübertragung wird nur für das Herunterladen der Chipkarten-Applikatiσns-Software benötigt.Although in FIG. 1 all applications are executed via application servers (AS1, AS2, AS3) which communicate with the chip card terminal (CCT) via a network (NW), it is not necessary for the invention that the actual chip card ten application is processed via a data connection. It would be e.g. conceivable that with a chip card terminal a small change chip card with which e.g. Goods can be drawn from vending machines equipped for this purpose or can be called on the phone, loaded in a bank against cash payment or by direct debit from a customer's account. The chip card application software for the small change chip card of bank A is not yet available on the chip card terminal of bank B. Therefore, according to the invention, this is now automatically e.g. downloaded over ISDN from Bank A's server. The actual chip card application in this case, the loading of the change card, takes place in the chip card terminal without external communication. Remote data transmission is only required for downloading the chip card application software.
Die einzelnen Kommunikationsprozesse sind in Figur 2 übersichtlich dargestellt. Während die Kommunikation (ComST) des Chipkarten-Terminals (CCT) mit dem Chipkarten-Sof ware-Server (CSS) über eine Datenübertragungseinrichtung (DTD) ausgeführt wird, die typisch ein Netzwerk (NW) umfaßt, läuft die Kommu- nikation (ComCT) der Chipkarte (CC) mit dem Chipkarten-Terminal (CCT) über die elektrischen Kontakte der Karte und des Terminals, in welches die Chipkarte eingesteckt wird. Je nach Anwendungsart, kommuniziert das Terminal zur Durchführung der Applikation in vielen Fällen mit Applikations-Servern (AS1, AS2, AS3) über eine Datenübertragungseinrichtung (DTD), die mit der ersten Datenübertragungseinrichtung identisch sein kann aber nicht sein muß.The individual communication processes are clearly shown in Figure 2. While the communication (ComST) of the chip card terminal (CCT) with the chip card software server (CSS) is carried out via a data transmission device (DTD), which typically comprises a network (NW), the communication is running. nication (ComCT) of the chip card (CC) with the chip card terminal (CCT) via the electrical contacts of the card and the terminal into which the chip card is inserted. Depending on the type of application, in many cases the terminal communicates with application servers (AS1, AS2, AS3) via a data transmission device (DTD), which may be identical to the first data transmission device but need not be.
Wie in Figur 3 dargestellt, wählt (SA) ein Benutzer des erfindungsgemäßen Chipkarten-Terminals (CCT) eine von ihm gewünschte Anwendung (Chipkarten-Applikation) aus. Wenn sich aus der Art der in das Chipkarten-Terminal eingesteckten Chipkarte bereits die gewünschte Applikation eindeutig er- gibt, kann dieser Auswahlprozeß wegfallen. Ansonsten könnte der Benutzer die gewünschte Applikation über eine Tastatur oder menügeführt oder durch natürliche Sprache, etc. auswählen (SA) . Das Chipkarten-Terminal stellt gegebenenfalls die Verfügbarkeit der Applikation fest (XA?), z.B. wenn der Be- nutzer die Auswahl mit Hilfe einer Tastatur vorgenommen hat. Bei einer menügeführten oder ähnlichen Auswahl kann dieser Schritt entfallen. Er kann auch in einer Kontrolle der Aktualität der auf dem Chipkarten-Terminal verfügbaren Version der Chipkarten-Applikations-Software bestehen. Ist die Software nicht verfügbar oder zu aktualisieren, baut das Chipkarten- Terminal über eine Datenübertragungseinrichtung (DTD) eine Verbindung (Con) zu einem Chipkarten-Software-Server (CSS) auf. Bevor nun die Übertragung (SDL) der Chipkarten-Applikations- Software vom Chipkarten-Software-Server (CSS) an das Chipkarten-Terminal (CCT) stattfindet, kann der Server - z.B. um eine korrekte Verrechnung von Kosten zu gewährleisten - von dem Chipkarten-Terminal eine Authentisierung verlangen.As shown in FIG. 3, (SA) a user of the chip card terminal (CCT) according to the invention selects a desired application (chip card application). This selection process can be omitted if the type of chip card inserted in the chip card terminal already clearly shows the desired application. Otherwise, the user could select the desired application using a keyboard or menu-driven or by natural language, etc. (SA). The chip card terminal may determine the availability of the application (XA?), For example if the user made the selection using a keyboard. This step can be omitted for a menu-driven or similar selection. It can also consist in checking the topicality of the version of the chip card application software available on the chip card terminal. If the software is not available or has to be updated, the chip card terminal establishes a connection (Con) to a chip card software server (CSS) via a data transmission device (DTD). Before the transfer (SDL) of the chip card application software from the chip card software server (CSS) to the chip card terminal (CCT) takes place, the server can - for example to ensure correct cost allocation - from the chip card Terminal require authentication.
Ebenso kann das Chipkarten-Terminal vom Server eine Authentisierung verlangen, um eine Übertragung einer gefälschten Software, die gegebenenfalls Hackern Betrugsmöglichkeiten eröffnen könnte, zu verhindern. Für derartige Authentisierungen sind bekannte Verfahren in großer Zahl verfügbar. Sie brauchen hier daher nicht weiter beschrieben zu werden. Ferner kann die Chipkarten-Applikations-Software mit einer krypto- graphischen Prüfsumme oder einer digitalen Signatur versehen werden, um ggf. eine auf dem Übertragungsweg erfolgte Verfalschung der Chipkarten-Applikations-Sof ware zu erkennen. Auch für kryptographisehen Prüfsummen und digitale Signaturen sind bekannte Verfahren in großer Zahl verfügbar.The chip card terminal can also request authentication from the server in order to prevent the transmission of counterfeit software, which could open up opportunities for fraud to hackers. Known methods are available in large numbers for such authentications. You therefore do not need to be described further here. Furthermore, the chip card application software can be provided with a cryptographic checksum or a digital signature in order to detect any falsification of the chip card application software that has occurred during the transmission. Known methods are also available in large numbers for cryptographic checksums and digital signatures.
Nach der Software-Übertragung (SDL) wird die übertragene Chipkarten-Applikations-Software auf dem Prozessor des Chipkarten-Terminals zum Ablauf gebracht und die eigentliche Applikation kann durchgeführt werden. Diese besteht normalerweise in einer Kommunikation zwischen der Chipkarte (CC) und einem Applikations-Server (AS) , welche von dem Chipkarten- Terminal mit Hilfe der Chipkarten-Applikations-Software vermittelt wird (AppCom) . Auch der Benutzer (U) kann, gesteuert durch die Chipkarten-Applikations-Software, in diese Kommunikation einbezogen werden, z. B. um eine Personal Identification Number (PIN) einzugeben. Wie in Figur 4 dargestellt, sieht die Erfindung zur Durchführung des in Figur 3 dargestellten Verfahrens einen Chipkarten-Software-Server (CSS) vor, der über Mittel (SM) zur Speicherung einer Chipkarten-Applikations-Software (SW) verfügt und über Mittel (DLMl) zur Übertragung dieser Software über eine Datenübertragungseinrichtung (DTD) an ein Chipkarten- Terminal (CCT) . Diese Mittel (DLMl) zur Übertragung können z.B. einen WWW-Server (Softwaremodul auf dem CSS) umfassen, der die Übertragung der Software durchführt, sobald der Uni- form Ressource Locator (URL) eines entsprechenden HTML-Dokumentes auf dem Chipkarten-Softwareserver (CSS) von dem Chipkarten-Terminal (CCT) aufgerufen (sig) wurde.After the software transfer (SDL), the transferred chip card application software is executed on the processor of the chip card terminal and the actual application can be carried out. This normally consists of communication between the chip card (CC) and an application server (AS), which is mediated by the chip card terminal using the chip card application software (AppCom). The user (U), controlled by the chip card application software, can also be involved in this communication, e.g. B. to enter a Personal Identification Number (PIN). As shown in FIG. 4, the invention provides a chip card software server (CSS) for carrying out the method shown in FIG. 3, which has means (SM) for storing a chip card application software (SW) and means ( DLMl) for the transmission of this software via a data transmission device (DTD) to a chip card terminal (CCT). These means (DLML) for transmission can include, for example, a WWW server (software module on the CSS), which carries out the transmission of the software as soon as the Uniform Resource Locator (URL) of a corresponding HTML document on the chip card software server (CSS) ) was called (sig) by the chip card terminal (CCT).
Wie in Figur 5 dargestellt, sind auch in dem Chipkarten- Terminal (CCT) Mittel (DLM2) zur Übertragung der Software (SW) vorgesehen. Diese Mittel könnten z.B. durch ein Terminal-Programm realisiert sein, das auf dem Chipkarten- Terminal abläuft und den Download durchführt. Dem Fachmann sind viele weitere, im Hinblick auf die Erfindung gleichwertige Möglichkeiten zur Durchführung der Übertragung geläufig. As shown in FIG. 5, means (DLM2) for transmitting the software (SW) are also provided in the chip card terminal (CCT). These funds could e.g. be implemented by a terminal program that runs on the chip card terminal and carries out the download. The person skilled in the art is familiar with many other possibilities for carrying out the transfer which are equivalent with regard to the invention.

Claims

Patentansprüche claims
1. Chipkarten-Software-Server (CSS) mit Mitteln (SM) zur Speicherung von Software (SW) und Mitteln (DLMl) zur Übertra- gung derartiger Software über eine Datenübertragungseinrichtung (DTD) an ein Chipkarten-Terminal (CCT) , welches diese Software zur Durchführung einer Chipkarten-Applikation benötigt, nachdem dieses Chipkarten-Terminal dem Chipkarten-Software-Server über eine Datenübertragungseinrichtung signali- siert (sig) hat, daß eine auf dem Chipkarten-Software-Server gespeicherte Software an das Chipkarten-Terminal übertrage werden soll .1. Chip card software server (CSS) with means (SM) for storing software (SW) and means (DLMl) for transmitting such software via a data transmission device (DTD) to a chip card terminal (CCT), which this Software for executing a chip card application requires after this chip card terminal has signaled (sig) to the chip card software server via a data transmission device that software stored on the chip card software server is to be transferred to the chip card terminal .
2. Chipkarten-Terminal (CCT) mit Mitteln (DLM2) zur Übertra- gung einer von diesem Chipkarten-Terminal zur Durchführung einer Chipkarten-Applikation benötigten Software (SW) von einem Chipkarten-Software-Server (CSS) über eine Datenübertragungseinrichtung (DTD) an dieses Chipkarten-Terminal .2. Chip card terminal (CCT) with means (DLM2) for transmitting a software (SW) required by this chip card terminal for carrying out a chip card application from a chip card software server (CSS) via a data transmission device (DTD) to this chip card terminal.
3. Verfahren zur Vorbereitung der Durchführung einer Chipkarten-Applikation, bei dem eine zur Durchführung dieser Chipkarten-Applikation benötigte Software von einem Chipkarten- Sof ware-Server über eine Datenübertragungseinrichtung an ein Chipkarten-Terminal übertragen wird, nachdem dieses Chipkar- ten-Terminal dem Chipkarten-Software-Server über eine Datenübertragungseinrichtung signalisiert hat, daß eine auf dem Chipkarten-Software-Server gespeicherte Software an das Chipkarten-Terminal übertragen werden soll. 3. Method for preparing the implementation of a chip card application, in which a software required for the implementation of this chip card application is transmitted from a chip card software server via a data transmission device to a chip card terminal after this chip card terminal has been used Chip card software server has signaled via a data transmission device that software stored on the chip card software server is to be transmitted to the chip card terminal.
4. Verfahren nach Anspruch 3, bei dem vor der Übertragung der4. The method according to claim 3, in which prior to the transmission of the
Software eine Authentisierung des Chipkarten-Softwar -Servers gegenüber dem Chipkarten-Terminal durchgeführt wird.Software an authentication of the chip card software server is carried out against the chip card terminal.
5. Verfahren nach einem der Ansprüche 3 oder 4 , bei dem vor der Übertragung der Software eine Authentisierung des Chipkarten-Terminals gegenüber dem Chipkarten-Software-Server durchgeführt wird.5. The method according to any one of claims 3 or 4, in which an authentication of the chip card terminal with respect to the chip card software server is carried out before the transmission of the software.
6. Verfahren nach einem der Ansprüche 3, 4 oder 5, bei dem vor der Übertragung der Software diese mit einer kryptogra- phischen Prüfsumme oder einer digitalen Signatur versehen und die kryptographische Prüfsumme bzw. digitale Signatur vom Chipkarten-Terminal überprüft wird. 6. The method according to any one of claims 3, 4 or 5, in which the software is provided with a cryptographic checksum or a digital signature before the software is transmitted, and the cryptographic checksum or digital signature is checked by the chip card terminal.
PCT/EP1996/003840 1996-08-30 1996-08-30 Method for the preparation of a chip card application and device for the execution of this method WO1998009256A1 (en)

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