WO2006000864B1 - Transaction & payment system securing remote authentication/validation of transactions from a transaction provider - Google Patents
Transaction & payment system securing remote authentication/validation of transactions from a transaction providerInfo
- Publication number
- WO2006000864B1 WO2006000864B1 PCT/IB2005/001672 IB2005001672W WO2006000864B1 WO 2006000864 B1 WO2006000864 B1 WO 2006000864B1 IB 2005001672 W IB2005001672 W IB 2005001672W WO 2006000864 B1 WO2006000864 B1 WO 2006000864B1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- authentication
- remote server
- tokens
- seed
- authentication token
- Prior art date
Links
- 238000010200 validation analysis Methods 0.000 title 1
- 230000000875 corresponding Effects 0.000 claims abstract 5
- 235000008733 Citrus aurantifolia Nutrition 0.000 claims 1
- 235000015450 Tilia cordata Nutrition 0.000 claims 1
- 235000011941 Tilia x europaea Nutrition 0.000 claims 1
- 239000004571 lime Substances 0.000 claims 1
Abstract
A mobile terminal is equipped for SMS payment and service authentication with a remote transaction provider. The remote provider uses common secrets & a seed in a keyed Hash Machine Address Code (HMAC) executing a Message Digest Algorithm to generate a list of authentication token (username-password) for the purchase of services an/or goods. The common secrets and seed are shared with local redemption devices which also generate the list of authentication token. A subscriber conducts payment with the remote transaction provider and receives an authentication token corresponding to the purchased service. The subscriber provides the authentication token to the redemption device which compares the authentication token with sets of valid authentication tokens generated by the redemption terminal. If the comparison indicates a match, the redemption device provides the service to the subscriber.
Claims
1. A method for payment and service authentication in a mobile environment, comprising; installing a communication connection between a remote server and at least one local server, wherein the communication connection is a non-continuous communication connection in operation; sharing common secret keys and a seed between the remote server and at least one local server when there is a connection between the servers for use in connection with an authentication algorithm; generating and storing in the remote server and in the at least one local server corresponding lists of valid authentication tokens for the purchase of services and/or goods based on the shared common secret keys and the seed using the authentication algorithm; requesting and providing payment for the services and/or goods from the remote server by a mobile, terminal; selecting an authentication token from the list of valid authenticating tokens stored at the remote server: returning the selected authentication token to the mobile terminal; submitting, by the mobile terminal, the authentication token to one of the at least one local servers for the purchase of services and/or goods: comparing the authentication token to the list of valid authentication tokens at the local server for verifying the payment for the services and/or goods from the remote server when not in communication connection with the remote servers; and providing the services and/or goods to the mobile terminal if the authentication token matches an authentication token in the list of valid authentication tokens in the at least one local server indicating verification of the payment from the remote server.
2. The method of claim 1 , wherein the list of valid authentication tokens are periodically updated.
3. The method of claim 2, wherein the list of valid tokens are periodically updated by changing at least the seed for the authentication algorithm.
4. The method of claim 1 , wherein the non-continuous communication connection is used for transferring from the remote server one or more seed updates to the at least one local servers.
5. The method of claim 1 , further comprising requesting, by the local server, mobile user identification information from the mobile terminal in exchange of providing the services and/or good to the mobile terminal.
6. The method of claim 1 , wherein the non-continuous communication connection is used for transferring from the at least one local servers to the remote server information relating to authentication token usage.
7. The method of claim 6, wherein the authentication token usage includes at least one of a mobile terminal identification information and mobile terminal user identification information.
8. The method of claim 1 , wherein the non-continuous communication connection is secure.
9. The method of claim 1 , further comprising: installing the authentication token into an electronic ticket.
10. The method of claim 1 , further comprising: authenticating the authentication token using RFlD.
11. The method of claim 3 , further comprising: generating the list of authentication tokens by recursively applying a keyed HMAC function to the common keys and the seed.
12. The method of claim 1 , further comprising: modifying the authentication tokens via the seed to be time based.
13. The method of claim 1 , further comprising: updating the shared common secret keys and seed in the remote server and the local server.
14. The method of claim 1 , further comprising: using SMS messaging in submitting the request to the remote server.
15. The method of claim 1, further comprising: using short range communication to transfer the authentication token to the local server.
16. The method of claim 1, further comprising: limiting validity of the authentication token to a time period.
17. The method of claim 1, further comprising: tying an accepted authentication token to a MAC hardware address of a requester.
18. The method of claim 16, further comprising: dividing the time period into several sub-timing periods.
19. The method of claim 18, further comprising: assigning separate authentication tokens to each sub-timing period.
20. The method of claim 19, further comprising: calculating the separate authentication token for sub-liming periods based on the order number or the time-period of the sub-timing period.
21. The method of claim 1, wherein the list of valid authentication tokens includes tokens for a current sub-timing period and tokens for a sub-timing period before and a sub-timing period after the current lime period to ensure the correct validity period for the token/ticket.
22. The method of claim 1 , wherein the seed is assigned a date (d) in the future,
23. The method of claim 22, wherein the seed is further assigned a time period (p).
24. The method of claim 1 , wherein the tokens are given out by the remote server in random order for single use.
25. The method of claim 1, wherein the token contains two-4-character hex strings, one as a username and one as a password.
26. The method of claim 1, wherein the local server compares a token to all possible tokens in time period (I) defined by a date (d); a period (p) and (r) a factor providing authentication periods overlap compensating for an assumed synchronization mismatch between the local server and the remote server clocks.
27. A system for payment and service authentication in a mobile environment, comprising; installing means installing a communication connection belween a remote server and at least one local server, wherein the communication connection is a non-continuous communication connection in operation; sharing means for sharing common secret keys and a seed between the remote server and at least one local server when there is a connection between the servers for use in connection with an authentication algorithm; generating means for generating and storing in the remote server and in the at least one local server corresponding lists of valid authentication tokens for the purchase of services and/or goods based on the shared common secret keys and the seed using the authentication algorithm; requesting and providing means for requesting and providing payment for the services and/or goods from the remote server by a mobile terminal; selecting means for selecting an authentication token from the list of valid authenticating tokens stored at the remote server returning means for returning the selected authentication token to the mobile terminal; submitting means, by the mobile terminal, for submitting the authentication token to one of the at least one local servers for the purchase of services and /or goods; comparing means for comparing the authentication token to the list of valid authentication tokens in the local server for verifying the payment for the services and/or goods from the remote server when no; in communication connection with the remote server; and providing means for providing the services and/or goods to the mobile terminal if the authentication token matches an authentication token in the list of valid authentication tokens in the at least one local server indicating verification of the payment from the remote server.
28. The system of claim 27, wherein the list of valid authentication tokens are periodically updated.
29. The system of claim 28, wherein the list of valid tokens are periodically updated by changing at least the seed for the authentication algorithm.
30. The system of claim 26, wherein the non-continuous communication connection is used for transferring from the remote server one or more seed updates to the at Ieast one local servers.
31. The system of claim 27, further comprising: requesting means requesting, by the local server, mobile user identification information from the mobile terminal in exchange of providing the services and/or the goods to the mobile terminal.
32. The system of claim 27, wherein the non-continuous communication connection is used for transferring from the at least one local servers to the remote server information relating to authentication token usage,
33. The system of claim 32, wherein the authentication token usage includes at least one of a mobile terminal identification information and mobile terminal user identification information.
34. The system of claim 28, wherein the non-continυous communication connection is secure.
35. The system of claim 27, wherein the authentication token is installed in a ticket.
36. The system of claim 27, wherein the generating means generates the list of authentication tokens by recursively applying a keyed HMAC function to the common keys and seed.
37. Th, system of claim 27, further comprising: modifying means modifying the authentication token via the seed to be time based.
38. The system of claim 27, further comprising: updating means updating the common secret keys and seed in the remote server and the local server,
39. The system of claim 27, further comprising terminal means enabled for submitting the SMS request to the remote server.
40. The system of claim 27, further comprising: terminal means enabled for short range communication to transfer the authentication token to the local server.
41. The system of claim 27, further comprising: limiting means limiting validity of the authentication token to a time period.
42. The system of claim 27, further comprising: tying means tying an accepted authentication token to a MAC hardware address of a requester.
43. The system of claim 41 , further comprising; dividing means dividing the time period into several sub-timing periods.
44. The system of claim 43, further comprising; assigning means assigning separate authentication tokens to each sub-timing period.
45. The system of claim 43, further comprising: calculating means calculating the separate authentication token for sub-timing periods based on the order number or the time-period of the sub-timing period.
46. The system of claim 27, wherein the list of valid authentication tokens includes tokens for a current sub-timing period and tokens f or a sub-timing period before and a sub-liming period after the current time period to ensure the correct validity period for the token/ticket.
47. The system of claim 27, wherein the seed is assigned a date (d) in the future.
48. The system of claim 47, wherein the seed is further assigned a time period (p).
49. The system of claim 28, wherein the tokens are given out by the remote server in random order for single use.
50. The system of claim 27, wherein the token contains two-4-character hex strings, one as a username an one as a password.
51. The system of claim 27, wherein the local server compares a token to all possible tokens in time period (I) defined by a date (d); a period (p) and (r) a factor providing authentication period over lap compensating for an assumed synchronization mismatch between the local server and the remote server clocks.
52. A medium, executable in a computer system, for payment and service authentication in a mobile environment, the medium, comprising: program code for installing a communication connection between a remote server and at least one local server, wherein the communication connection is a non-continuous communication connection in operation; program code for selecting and storing common secret keys and a seed between the remote server and at least one local server when there is a connection between the servers for use in an authentication algorithm: program code for generating and storing in the remote server a list of username- passwords as authentication tokens applicable for the purchase of services and/or goods based on the common secret keys and the seed using the authentication algorithm; program code for storing and executing the authentication algorithm in at least one local server to generate and store the list of authentication tokens in the local server; program code for requesting and providing payment for services from the remote server: program code for generating in the remote server an authentication token from the list and tied to the request: program code for submitting the authentication token to the local server for the purchase of services and/or good; program code for comparing the authentication token to the list of authentication taken generated at the local server from the common secrets and the seed for verifying the payment for the services and/or goods from the remote server when not in communication connection with the remote server; and program code for providing the service and/or goods if the authentication token matches an authentication token in the list of valid authentication tokens in the at least one local server indicating verification of the payment from the remote server.
53. A medium, executable in a computer system, for payment and service authentication in a mobile environment, the medium comprising: program code for installing a communication connection between a remote sewer and at least one local server, wherein the communication connection is a non-continuous communication connection in operation; program code for sharing common secret keys and a seed between the remote server and at least one local server when there is a connection between the servers for use in connection with an authentication algorithm; program code for generating and storing in the remote server and in the at Ieast one local server corresponding lists of valid authentication tokens for the purchase of services and/or goods based on the shared common secret keys and the seed using the authentication algorithm: program code for requesting and providing payment for the services and/or goods f rom the remote server by a mobile terminal; program code for selecting an authentication token from the list of valid authenticating tokens in the remote server: program code for returning the selected authentication token to the mobile terminal; program code for submitting, by the mobile terminal, the authentication token to one of the at least one local servers for the purchase of services and/or goods; program code for comparing the authentication token to the list of valid authentication tokens at the local server for verifying the payment lor the services and/or goods from the remote server when not in communication connection with the remote server; and program code for providing the services and/or goods to the mobile terminal if the authentication token matches an authentication token in the list of valid authentication tokens in the at least one local server indicating verification of the payment from the remote server.
54. The medium of claim 52, further comprising: program code for requesting, by the local server, mobile user identification information from the mobile terminal in exchange of providing the service and/or the goods to the mobile terminal.
55. The medium of claim 53, further comprising: program code for installing a communication connection between the remote and the at least one local servers which is non-continuous in operation.
56. The medium of claim 55, wherein the non-continuous communication connection is used for transferring from the remote server one or more seed updates to the at least one local servers.
57. The medium of claim 55, wherein the non-continuous communication connection is used for transferring from the at least one local servers to the remote server information relating to authentication token usage.
58. The medium of claim 53, wherein the authentication token usage includes at least one of a mobile terminal identification information and mobile terminal user identification information.
59. The medium of claim 55, wherein the non-continuous communication connection is secure.
60. The medium of claim 53, further comprising: program code for installing the authentication token into an electronic ticket.
61. The medium of claim 53, further comprising: program code for authenticating the authentication token using RFID.
62. The medium of claim 53, further comprising: program code for updating the common secret keys and seed in the remote server and the local server.
63. Transaction and payment apparatus operating in a mobile environment, comprising: installing means installing a communication connection between a remote server and at least one local server, wherein the communication connection is a non-continuous communication connection in operation; selecting means for selecting and storing common secret keys and a seed for use in an authentication algorithm; first communication means for sharing the common secret keys and the seed with at least one redemption apparatus; means for generating and storing corresponding lists of valid authentication tokens or services and/or goods available from a supplier based on the common secret keys and the seed with the authentication algorithm; second communication means implementing short message protocol for communication with remote users accessing the apparatus via a mobile terminal; transaction server means for processing requests by the users for the available services and/or goods and selecting an authentication token from the lists of valid authentication tokens stored at the remote server for the requested services and/or goods after payment by the user; and transmitting means transmitting the selected authentication token to the user via th e second communication means for the requested services and/or goods,
64. Redemption apparatus operating in a mobile environment comprising: processing mears for processing and validating tickets/tokens presented by users for available services and/or goods; communication means providing communication connection with a remote server for receiving common secret keys and a seed for use in an authentication algorithm, wherein the communication connection is a non-continuoυs communication connection in operation; generating and storing means generating a list of valid authentication tickets/tokens for the purchase of service and/or goods based on the shared common secret keys and the seed using the authenticating algorithm, and comparing means for comparing tickets/tokens presented by a user against the list of valid authentication tickets/token for access to the available services and/or goods in the case of validated tickets/tokens.
65. The redemption apparatus of claim 64, further comprising: storing means for storing the common secret keys and seed received from the transaction server,
66. The redemption apparatus of claim 64. further comprising: short-range communication means for receiving ticket/token information from a user via a mobile device.
67. The redemption apparatus of 64, wherein the comparing means compares a token to all possible tokens in time period (1) defined by a date (d); a period (p) and (r) a factor providing authentication periods overlap compensating for an assumed synchronization mismatch between the local server and the transaction server clocks.
68. The redemption apparatus of claim 64, wherein the local server provides the transaction server with token/ticket misuse information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| EP05754250A EP1769419B1 (en) | 2004-06-21 | 2005-06-15 | Transaction & payment system securing remote authentication/validation of transactions from a transaction provider |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US10/871,051 US7693797B2 (en) | 2004-06-21 | 2004-06-21 | Transaction and payment system security remote authentication/validation of transactions from a transaction provider |
| US10/871,051 | 2004-06-21 |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| WO2006000864A2 WO2006000864A2 (en) | 2006-01-05 |
| WO2006000864A3 WO2006000864A3 (en) | 2006-03-02 |
| WO2006000864B1 true WO2006000864B1 (en) | 2006-04-13 |
Family
ID=35481809
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/IB2005/001672 WO2006000864A2 (en) | 2004-06-21 | 2005-06-15 | Transaction & payment system securing remote authentication/validation of transactions from a transaction provider |
Country Status (4)
| Country | Link |
|---|---|
| US (1) | US7693797B2 (en) |
| EP (1) | EP1769419B1 (en) |
| CN (1) | CN1969291A (en) |
| WO (1) | WO2006000864A2 (en) |
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| US7315944B2 (en) * | 2001-11-13 | 2008-01-01 | Ericsson Inc. | Secure handling of stored-value data objects |
| JP3899918B2 (en) * | 2001-12-11 | 2007-03-28 | 株式会社日立製作所 | Login authentication method, its execution system, and its processing program |
| WO2003083619A2 (en) * | 2002-03-29 | 2003-10-09 | Bank One, Delaware, N.A. | System and process for performing purchase transaction using tokens |
| US7475248B2 (en) * | 2002-04-29 | 2009-01-06 | International Business Machines Corporation | Enhanced message security |
| FR2842055B1 (en) * | 2002-07-05 | 2004-12-24 | Nortel Networks Ltd | METHOD FOR CONTROLLING ACCESS TO A CELLULAR RADIO COMMUNICATION SYSTEM THROUGH A WIRELESS LOCAL AREA NETWORK, AND CONTROL MEMBER FOR IMPLEMENTING THE METHOD |
| JP4553565B2 (en) | 2002-08-26 | 2010-09-29 | パナソニック株式会社 | Electronic value authentication method, authentication system and device |
| GB2405566B (en) * | 2002-10-14 | 2005-05-18 | Toshiba Res Europ Ltd | Methods and systems for flexible delegation |
-
2004
- 2004-06-21 US US10/871,051 patent/US7693797B2/en active Active
-
2005
- 2005-06-15 WO PCT/IB2005/001672 patent/WO2006000864A2/en not_active Application Discontinuation
- 2005-06-15 CN CNA2005800203166A patent/CN1969291A/en active Pending
- 2005-06-15 EP EP05754250A patent/EP1769419B1/en not_active Not-in-force
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