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Dynamic realization method and apparatus for bank card key centralized management

A centralized management and bank card technology, applied in the field of bank information security, can solve the problems of increasing the risk of system commissioning and increasing the system switching window, and achieve the effect of shortening the switching time window, reducing development costs, and smooth transition

Active Publication Date: 2017-05-31
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Due to the huge number of stock cards, the key update cannot be completed in a short time, which will increase the system switching window and increase the risk of system commissioning

Method used

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  • Dynamic realization method and apparatus for bank card key centralized management
  • Dynamic realization method and apparatus for bank card key centralized management
  • Dynamic realization method and apparatus for bank card key centralized management

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Experimental program
Comparison scheme
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Embodiment

[0089] In order to describe the features and working principle of the present invention more intuitively, a practical application scenario will be described below.

[0090] Such as image 3 Shown is the work flow chart of this embodiment. In practice, for the customer password of a bank card, the bank's background system mainly stores PIN OFFSET ciphertext; at the same time, the bank's background system also stores system work keys such as ZPK, multiple decentralized subsystem PVK, and large centralized PVK. . In the process of key centralization, the integrated bank background system stores the PINOFFSET of each bank card, and at the same time sets an identification bit for each bank card to mark the encryption key type of the current bank card.

[0091] For the bank background system with centralized key management, when the customer uses the bank card for the first transaction and enters the password, the front-end upstream system of the bank will send the ZPK encrypted P...

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PUM

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Abstract

The invention relates to a dynamic realization method and apparatus for bank card key centralized management. The method comprises the steps of obtaining a bank card number during use of a bank card for transaction; obtaining an encrypted key flag bit corresponding to the current card according to the bank card number, and determining an encrypted key type by utilizing the encrypted key flag bit; if the encrypted key type is dispersed key encryption, performing key verification by utilizing a PINBLOCK corresponding to the bank card number and a dispersed key; after the key verification succeeds, obtaining a new key, and generating a new PINOFFSET according to the new key and the PINBLOCK corresponding to the bank card number; and updating a PINOFFSET of the current card by utilizing the new PINOFFSET, modifying the encrypted key flag bit of the current card to a centralized key type, and changing the dispersed key of the current card to a centralized key.

Description

technical field [0001] The invention relates to the technical field of bank information security, in particular to a method and device for dynamically implementing centralized bank card key management based on an online mode. Background technique [0002] The bank card password is an important way for the banking system to verify the authenticity of the customer's identity. The plaintext bank card password entered by the customer, the banking system generally adopts hard encryption to generate PINOFFSET ciphertext for storage, so as to ensure the security of the customer password without being leaked. [0003] If customer PIN transmission is involved between multiple systems of the bank, ZPK needs to be exchanged and agreed in advance. After the customer enters and sets the bank card plaintext PIN, the upstream front-end system generates ZPK-encrypted PINBLOCK and transmits it to the downstream background system, and the bank background system converts the received ZPK-encr...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/3829G06Q20/4012
Inventor 冯春阳冯冠杰许海洋
Owner BANK OF CHINA