发明名称 |
Improvements in point of sale and electronic funds transfer systems. |
摘要 |
<p>@ An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centres. Users of the system are issued with intelligent secure bank cards, which include a microprocessor, ROS and RAM stores. The ROS includes a personal key (KP) and an account number (PAN) stored on the card when the issuer issues it to the user. Users also have a personal identity number (PIN) which is stored or remembered separately. A transaction is initiated at a retail terminal when a card is inserted in an EFT module connected to the terminal. A request message including the PAN and a session key (KS) is transmitted to the issuers data processing centre. The issuer generates an authentication parameter (TAP) based upon its stored version of KP and PIN and a time variant parameter received from the terminal. The TAP is then returned to the terminal in a response message, and based upon an inputed ./... <!-- EPO <DP n="2"> -->PIN, partial processing of the input PIN and KP on the card a derived TAP is compared with the received TAP in the terminal. A correct comparison indicating that the entered PIN is valid.</p><p>The request message includes the PAN encoded under the KS and KS encoded under a cross-domain key. Message authentication codes (MAC) are attached to each message and the correct reception and regeneration of a MAC on a message including a term encoded under KS indicates that the received KS is valid and that the message originated at a valid terminal or card.</p> |
申请公布号 |
EP0140013(A2) |
申请公布日期 |
1985.05.08 |
申请号 |
EP19840110268 |
申请日期 |
1984.08.29 |
申请人 |
INTERNATIONAL BUSINESS MACHINES CORPORATION;IBM UNITED KINGDOM LIMITED;IBM DEUTSCHLAND GMBH |
发明人 |
BRACHTL, BRUNO;HOLLOWAY, CHRISTOPHER J.;LENNON, RICHARD EDWARD;MATYAS, STEPHEN MICHAEL;MEYER, CARL HEINZ-WILHELM;OSEAS, JONATHAN |
分类号 |
G07F7/12;G06Q20/08;G06Q20/20;G06Q20/34;G06Q20/38;G06Q20/40;G07D9/00;G07F7/10;G07F19/00;(IPC1-7):G07F7/10;H04L9/02 |
主分类号 |
G07F7/12 |
代理机构 |
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代理人 |
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主权项 |
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地址 |
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