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
  • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• • 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
• • 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
  • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
  • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
• • 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
  • G06Q20/409—Device specific authentication in transaction processing
  • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
  • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
• • 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
  • G07F7/0866—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 by active credit-cards adapted therefor

Definitions

• the invention relates to a method for carrying out changes in authorization data records which are stored on data carriers, in particular on chip cards, the data carrier being connected to a terminal and a security module for exchanging data.
• Permissions are often acquired in daily life and are documented on paper. Examples of this are the authorization to use means of transport in the form of tickets and season tickets, the use of parking spaces in the form of parking tickets. In this context, tickets for cultural or sporting events, swimming pools, museums and other facilities should also be mentioned. In most cases, such a receipt is only used for control purposes and is discarded by the customer after use. Some of these documents are so small that they can easily be lost. On some occasions, for example when traveling, various receipts are carried so that the search for the correct receipt can be difficult when checking.
• authorization data records are stored within the memory architecture of chip cards in the variable memory area, for example the EEPROM area.
• the memory areas are processed or managed using the chip card operating system.
• Corresponding specifications are part of international standardization (CEN prEN 726-3, ISO 7816-4). In accordance with this standard, a data record that characterizes authorizations would - in the following
• access conditions are set for the entire EF, but not for individual data fields.
• the access conditions regulate the security-related conditions under which the EF can be accessed.
• the operating system of the chip card monitors compliance with the access conditions, i.e. if changes are made to an authorization data record, they can be made at any point in the Authorization data contained EF can be made.
• this possibility is not necessary and, on the other hand, it is questionable in terms of safety. In most cases, an entry in a validation field or a change in a text field is sufficient. A corresponding limitation of the change options is not provided for in the standardization.
• defining different access conditions for individual data fields would require a considerable increase in storage space.
• the invention has for its object to provide a method that allows secure changes to authorizations.
• the known storage space or security architecture should preferably be retained.
• Authorization data record is transmitted to the data carrier in cryptographically secured form and that the changed authorization data record is stored in the data carrier after checking the authenticity.
• the possibility of changing not only can be restricted to one or more data fields within the respective authorization data record, but the type of change can also be restricted.
• FIG. 1 shows the structure of an EF, namely a data field EF_BER provided for the storage of authorizations,
• FIG. 2 shows the structure of an authorization data record within the EF shown in FIG. 1,
• Fig. 3 is a schematic representation of a terminal with a security module and a smart card and
• Fig. 4 is a schematic representation of the processes when changing an authorization record.
• the structure of an EF_BER is shown in table form in FIG. 1.
• the EF_BER initially contains an identifier at 1, which identifies this file as EF_BER.
• the access conditions for reading, writing, deleting, etc. are then stored.
• the actual data content consists of data records which represent authorizations 1 to n.
• a first data record for authorization 1 requires bytes 1-X
• a second data record for authorization 2 requires bytes XY etc.
• FIG. 2 several data fields are provided, of which only four data fields are explained by way of example.
• data fields A and B are created for X bytes each, which are coded in any way (xx) and contain, for example, names for the type of authorization.
• the type of multiple use is stored in binary form in a further data field with a length of one byte.
• a code field with a length of three bytes is also in binary stored information in the data record.
• the block diagram according to FIG. 3 comprises a terminal 31, which contains a processor 32, a security module 33 and a card writing and reading device 34. Furthermore, a keyboard 35 is provided for inputs by a user, if necessary.
• the security module 33 is designed such that data and program changes and reading programs and data are not possible.
• the individual modules of the terminal 31 are connected to one another by data lines 36.
• a chip card 37 can be inserted into the writing and reading device 34.
• FIG. 4 shows the data exchange between the terminal and the security module on the one hand and the chip card on the other. Since it is not necessary to constantly distinguish between the terminal and the security module to explain the invention, these have been summarized in FIG. 4. In the case of processes in which processing of data in the security module is important for the invention, this is pointed out in connection with FIG. 4.
• the commands Select EF_INFO and Read EF_INFO are sent from the terminal to the chip card.
• This turns data out read the chip card, which are stored at 42 in the terminal or in the security module.
• the card-specific key is calculated using the data and the system key stored in the security module. With this key, cryptograms of the chip card are recalculated or checked for authenticity.
• the terminal then sends the commands Select EF_BER and Read EF_BER with the addition secure.
• the authorization data record is then read from the memory in the chip card and transmitted to the terminal in unencrypted form together with a MAC (Message Authentication Code), which is calculated in the chip card via the authorization data record BER.
• the security module then also calculates a MAC at 44 from the transmitted authorization data record and compares this at 45 with the MAC transmitted by the chip card.
• the authorization data record is changed by the terminal via the security module at 46, for example one of several multiple authorizations is deleted.
• the changed authorization data record BER ' is transmitted together with a MAC' formed from BER 'and the card-specific key and with the Write EF_BER secure command to the chip card, whereupon the transmitted changed authorization data record BER' is checked in the chip card at 47 by recalculating the MAC 'and at 48 is saved. Then there is a feedback "O.K.” to the terminal.

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• Engineering & Computer Science (AREA)
• Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Physics & Mathematics (AREA)
• Accounting & Taxation (AREA)
• General Business, Economics & Management (AREA)
• Theoretical Computer Science (AREA)
• Strategic Management (AREA)
• Computer Networks & Wireless Communication (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Finance (AREA)
• Computer Security & Cryptography (AREA)
• Storage Device Security (AREA)
• Electrophonic Musical Instruments (AREA)
• Signal Processing For Digital Recording And Reproducing (AREA)
• Data Exchanges In Wide-Area Networks (AREA)

Priority Applications (3)

Applications Claiming Priority (2)

Publications (2)

Family

ID=7822498

Family Applications (1)

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Cited By (4)

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Citations (2)

Family Cites Families (5)

• 1998
  • 1998-03-05 HU HU0001506A patent/HUP0001506A3/hu unknown
  • 1998-03-05 EP EP98914870A patent/EP0970446A2/de not_active Ceased
  • 1998-03-05 WO PCT/EP1998/001270 patent/WO1998039743A2/de active Application Filing
• 1999
  • 1999-09-01 NO NO19994236A patent/NO326478B1/no not_active IP Right Cessation

Patent Citations (2)

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