CN1408187A - System for electronic delivery of personal identification code - Google Patents

System for electronic delivery of personal identification code Download PDF

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Publication number
CN1408187A
CN1408187A CN00816832A CN00816832A CN1408187A CN 1408187 A CN1408187 A CN 1408187A CN 00816832 A CN00816832 A CN 00816832A CN 00816832 A CN00816832 A CN 00816832A CN 1408187 A CN1408187 A CN 1408187A
Authority
CN
China
Prior art keywords
sim card
electronic signature
identifying code
code
terminal
Prior art date
Legal status (The legal status 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 status listed.)
Granted
Application number
CN00816832A
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Chinese (zh)
Other versions
CN1167298C (en
Inventor
克里斯蒂安·P·沃德
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
OLANG AS
Original Assignee
OLANG AS
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 OLANG AS filed Critical OLANG AS
Publication of CN1408187A publication Critical patent/CN1408187A/en
Application granted granted Critical
Publication of CN1167298C publication Critical patent/CN1167298C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3558Preliminary personalisation for transfer to user
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4097Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1016Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/04Key management, e.g. using generic bootstrapping architecture [GBA]
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56Financial cryptography, e.g. electronic payment or e-cash
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80Wireless
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W88/00Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02Terminal devices

Abstract

A system is provided for electronic delivery of a PIN code in a secure, fast and efficient manner and compromising a server (3) provided with a reference code (2) for generating the PIN code. The server (3) is adapted to transmit a SMS message (9) containing an electronic signature (5) based on the reference code (2) to a SIM card (10) connected to a terminal (12). The SIM card (10) comprises means (11) for receiving and storing the SMS message (9), and means (17) for comparing the stored electronic signature (5) in the SMS message (9) with an electronic signature (20) generated from a reference code (15) entered by a user of the terminal (12). Encryption keys, generated by a triple DES data encryption algorithm having two keys, and encryption means are provided in the server (3) and in the SIM card (10).

Description

System with electronic delivery of personal identification code
Technical field
The present invention relates to send the system of PIN (PIN) with electronic method, this system comprises and utilizes server that a plurality of encryption keys encrypt and the identifying code that is provided for producing PIN code to this server, described system also comprises the device that identifying code is encrypted, produce PIN code by described encryption key, will contain SMS (short message service) message based on the electronic signature of identifying code and send to the SIM (subscriber identification module) that links to each other with terminal and block with input unit and display unit by connecting communicator.
Background technology
Current, the PIN that is called as PIN code is used for many different situations, is particularly useful for the situation relevant with electronic transaction, and in electronic transaction, the credit card or the similar device of paying use with terminal.Carrying out trading time period, by importing PIN code with terminal keyboard, the card user checking is stored in the information on the credit card, and described code should obtain card issuer's permission.Can guarantee that like this card user blocks the owner exactly.
Usually, when issuing credit card,, and generally send the user respectively with ordinary mail to credit card assignment PIN code.This method is neither fool proof, and not really fast again, because mail will could arrive the Dacca owner with time a couple of days, the user could use its credit card after a couple of days.
Summary of the invention
The purpose of this invention is to provide a kind of safe, system fast and effectively, can PIN code be sent to the client in the mode that has more advantage.
Be characterised in that according to the above-mentioned type of the present invention system SIM card comprises: receive and storage device, be used for receiving and storage encryption SMS message; Comparison means is used for the store electrons signature of the identifying code in the SMS-Based message is compared by the identifying code of terminal input with the user, and subsequently, described identifying code is used for producing electronic signature by the respective encrypted key in the SIM card; And allow follow-up display unit, if the electronic signature of storage is consistent with the electronic signature of input, then allow on terminal display device, to show the PIN code relevant with signature.Therefore, if specific end user input coherent reference code then can only provide a given PIN code.Can only PIN code and identifying code be exchanged with the encrypted data signal form that only can utilize two unique-encryption key deciphering.Therefore, reach with high degree of safety transmission PIN code.
Moreover, according to the present invention, can produce electronic signature and the interior electronic signature of SIM card in the security server by a kind of DEA (three grades of data encryption standard algorithms) that adopts two keys, the word length of these two keys all is at least 56.Attempt provides high degree of safety to this cryptographic algorithm at unauthorized decryption.
In addition, according to the present invention, the communicator that links to each other with security server can adopt wireless communication link SMS message to be sent to the SIM card that links to each other with terminal.Therefore, can utilize cell phone to receive SMS message.
Moreover, according to the present invention, identifying code can comprise at least 6 alphanumerics, and therefore, identifying code can be for example citizen's registration number, account number, name, keyword and only be any out of Memory known to the user.
At last, according to the present invention, can when providing unique identifying number, will send to SIM card based on the electronic signature of identifying code with encrypted form for SIM card.Therefore, can avoid PIN code during sending by unauthorized decryption, and the fail safe that has improved system.
Description of drawings
Be described in more detail the present invention below with reference to accompanying drawing, accompanying drawing illustrates the flow chart of the preferred embodiment of the present invention.
Realize best mode of the present invention
System with electronic method transmission PIN code shown in the drawings comprises: security server 3 is used for receiving unique information 1 (representing with the form of filling in personal data) with identifying code 2 forms; And encryption device 4, this device calculates electronic signature 5 according to identifying code 2 subsequently in server.Server 3 is communicated by letter with so-called aerial platform 6 (OTA), and the latter communicates by letter with the SMS service center 8 (SMSC) that is used for from platform 6 receiving encryption keys 7.SMS service center 8 links to each other with SIM card 10, and SIM card 10 is communicated by letter with the mobile GSM mobile handset 12 of the display unit of display 14 forms with comprising keyboard 13, and described service center can send to SIM card 10 with the SMS message of finishing.SIM card 10 comprises: memory 11 is used for storage encryption SMS message 9; Encryption device 16 is used for the user is encrypted by the data 15 of keyboard 13 inputs of terminal 12; And comparison means 17, link to each other with keyboard 13 with memory 11, be used for the data of storage and the data of input are compared.Comparison means 17 also links to each other with the device 18 that is used for PIN code is presented on the display 14 of terminal 12.
When using this system, the user sends to security server 3 with unique information 1 with the form of identifying code 2.Identifying code 2 utilizes encryption device 4 to produce electronic signature 5 in server 3 as input signal.By aerial platform 6, electronic signature 5 is sent to the SMS service center 8 of management SIM card, described service center 8 will sign electronically and 5 be converted to the SMS message 9 that is suitable for sending to the described SIM card 10 that links to each other with cell phone 12.SIM card 10 comprises and is used to receive and the memory 11 of storage encryption SMS message 9.Comparison means 17 will be encrypted the 9 interior electronic signatures 5 of SMS message and compare with the electronic signature 20 that is produced by encryption device 16, and described electronic signature 20 is to produce according to the data of importing by the keyboard of terminal 12.5 is consistent with the electronic signature 20 of user's input if sign electronically, and then comparison means 17 sends to guiding device 18 with a signal, indicates PIN code 19 is shown on the display 14 of cell phone 12, thereby PIN code is sent to the user.
In according to a preferred embodiment of the present invention, terminal 12 is the cell phones such as cellular telephone.Need SIM card (subscriber identification module) to move and be suitable for by having the cell phone of GSM network service now.The private code that in use contains the relevant cell phone of identification GSM network as the SIM card of a cell phone electronic circuit part.This identifying can make the GSM network determine for example position of portable terminal, so that send mobile phone at special time by best launching tower in the network.
Server 3 comprises: the software (not shown) is used to produce PIN code; Three grades of data encryption standards (DES) cryptographic algorithm (Ref. No. 4); The encrypting database (not shown) contains the encryption key of all SIM card of registering and about the link information between a plurality of cell phones and a plurality of relevant SIM card in system.Three grades of DES algorithms are considered to especially to three grades of safer ciphering process of unauthorized decryption.
The SIM card of receiving identifying code there and having verified this user from new user at security server 3 is number in this system effectively the time, and server 3 preferentially utilizes three grades of DES algorithms 4 to produce electronic signature 5 in conjunction with two at least 56 keys that belong to user's SIM card number.Electronic signature 58 SMS of GSM (short-message system) message as unique formatization are sent to user's SIM card 10.These SMS message are encoded, so that the electronic signature 5 of identifying code 2 can be stored into the memory 11 of SIM card 10, and when user's SIM card 10 is received SMS message 9, notify the user to be ready to the PIN code that is produced.
Program in the user moves SIM card 10 subsequently is when sending PIN code, and this program ask the user to import identifying codes 15 by the keyboard 13 of terminal 12 on terminal display 14.In order to produce another electronic signature 20, utilize the encryption device 16 in the SIM card 10, employed according to the encryption device in the security server 3 when identifying code 2 is delivered to security server 34 with a kind of cryptographic algorithm, identifying code 15 is encoded.Then, the comparison means 17 in the SIM card 10 will be stored in the memory 11, compare based on the electronic signature 5 of identifying code 2 and the electronic signature 20 that is produced by encryption device 16.If two signatures are consistent, then comparison means 17 will point out that the signal that PIN code 19 will be shown on the display 14 of terminal 12 sends to control device 18.If these two signatures are inconsistent, then on display, notify user's identifying code 15 not to be accepted, and require to re-enter identifying code 15.If identifying code 15 is still incorrect after trying to import twice again, then stop this program, and do not send PIN code 19, obtain new identifying code 2 up to the user from security server 3, described code can be identical with initial reference code 2, also can be different.
In order to ensure the PIN code that correctly reads transmission, provide the process that confirms the PIN code that sends to the user.The user is presented at PIN code on the display 14 by keyboard input, can realize this validation process, after this, notifies the user whether correctly to import PIN code.If negate, then on display 14, import PIN code of demonstration again, and can repeat this validation process.
In another embodiment,, can in SIM card, provide PIN code, so just not need to have sent PIN code when SIM card provides unique identifier.This is considered to a kind of safer embodiment that can be avoided unauthorized decryption PIN code during sending PIN code.
The present invention is not limited to above preferred embodiment, and can carry out various changes in the case without departing from the scope of the present invention.

Claims (5)

1. system that sends PIN (PIN) sign indicating number with electronic method, this system comprises server (3) that a plurality of encryption keys of employing are encrypted and the identifying code (2) that is provided for producing PIN code to this server, described system also comprises the device (4) that identifying code is encrypted, produce PIN code by described encryption key, by the communicator (6 that has connected, 8) SMS (short message service) message (9) that will contain based on the electronic signature (5) of identifying code (2) sends to SIM (subscriber identification module) card (10) that links to each other with the terminal (12) with input unit (13) and display unit (14), it is characterized in that, SIM card (10) comprising: receive and storage device (11), be used for receiving and storage encryption SMS message (9); Comparison means (17), be used for the store electrons signature (5) based on identifying code (2) in the SMS message (9) is compared by the identifying code (15) of terminal (12) input with the user, utilize the respective encrypted key (16) in the SIM card (10), described identifying code (15) is used for producing electronic signature (20); And allow follow-up display unit (18), if the electronic signature (5) of storage is consistent with the electronic signature (20) of input, then allow to go up demonstration and signature (5,20) relevant PIN code at the display (14) of terminal (12).
2. system according to claim 1, it is characterized in that, electronic signature (5) in the security server (3) and the electronic signature (20) in the SIM card (10) all are to utilize a kind of DEA (three grades of DES algorithms) that adopts two keys to produce, and these two keys all have 56 word lengths at least.
3. system according to claim 1 and 2 is characterized in that, the communicator (6,8) that links to each other with security server (3) utilizes wireless communication link SMS message (9) to be sent to the SIM card (10) of communicating by letter with terminal (12).
4. according to the described system of above-mentioned one or more claims, it is characterized in that identifying code (2,15) comprises at least 6 alphanumerics.
5. according to the described system of above-mentioned one or more claims, it is characterized in that, when SIM card (10) is distributed unique identifier, will send to SIM card (10) based on the electronic signature (5) of identifying code (2) with encrypted form.
CNB008168326A 1999-11-09 2000-11-09 System for electronic delivery of personal identification code Expired - Fee Related CN1167298C (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DKPA199901608 1999-11-09
DK199901608A DK174672B1 (en) 1999-11-09 1999-11-09 Electronic identification code delivery system

Publications (2)

Publication Number Publication Date
CN1408187A true CN1408187A (en) 2003-04-02
CN1167298C CN1167298C (en) 2004-09-15

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Country Status (9)

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EP (1) EP1228653A1 (en)
JP (1) JP2003514469A (en)
CN (1) CN1167298C (en)
AU (1) AU1269001A (en)
BR (1) BR0015445A (en)
CA (1) CA2390835A1 (en)
DK (1) DK174672B1 (en)
HK (1) HK1048720A1 (en)
WO (1) WO2001035685A1 (en)

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CN1167298C (en) 2004-09-15
CA2390835A1 (en) 2001-05-17
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HK1048720A1 (en) 2003-04-11
JP2003514469A (en) 2003-04-15
DK199901608A (en) 2001-05-10
DK174672B1 (en) 2003-08-25
BR0015445A (en) 2002-11-05
WO2001035685A1 (en) 2001-05-17

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