ATM Master Key Transfer via Digital Certificate Authentication
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Solution Overview
Problem
The existing methods for securely loading master keys into Encrypting PIN Pads (EPP) at Automated Teller Machines (ATMs) are cumbersome and expensive, requiring manual input by two operators, and lack a secure remote key transfer solution over non-secure communications networks.
Innovation Solution
A method and system for securely transferring master keys from a host to a remote ATM using digital certificates and public-key cryptography, where the ATM verifies the authenticity of the host and only accepts communications from an authorized host, allowing secure encryption and decryption of working keys without compromising previous host information, and enabling seamless transfer to new hosts without replacing the EPP.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual key loading by two operators is used, then security is maintained, but operational complexity and cost increase
Solution Approach 1:
The patent replaces the mechanical/manual process of two operators physically loading keys with an automated electronic key transfer system. The host computer automatically transmits encryption keys to the EPP over the network, eliminating the need for manual operator intervention while maintaining security through encrypted communication channels.
Solution Approach 2:
The system enables self-service key management where the EPP and host computer automatically perform key exchange and verification without requiring human operators. The automated system includes built-in security protocols that handle key protection, transmission, and validation autonomously.
2Productivity
If remote key transfer over non-secure network is implemented, then operational efficiency improves, but security risk increases
Solution Approach 1:
The patent introduces multiple intermediary security layers including encrypted communication channels, digital signatures, and verification protocols that mediate between the non-secure network and the sensitive key transfer process. These intermediaries protect the key exchange even when transmitted over public networks.
Solution Approach 2:
The system dynamically changes security parameters during the key transfer process, including using different encryption algorithms, key lengths, and verification methods based on the security requirements of each transmission phase. This adaptive approach maintains high security while enabling efficient remote operation.
3Reliability
If EPP is replaced for host transfer, then security is maintained, but cost and complexity increase
Solution Approach 1:
The patent makes the EPP universal by enabling it to securely transfer between different hosts without replacement. The EPP is designed with flexible host interface capabilities and secure reconfiguration features that allow it to serve multiple hosts sequentially, eliminating the need for hardware replacement while maintaining security through controlled key reassignment.
Data Source
AI summary
A method for securely transferring a master key from a host to a terminal, such as an automated teller machine, is disclosed. Each of the host and terminal is initialized with a certificate, signed by a certificate authority, and containing a public key used in used in connection with public key infrastructure communication schemes. An identifier of an authorized host is stored in the terminal. Upon receiving a communication from a host including a host certificate, the terminal validates whether it is already bound to a host, if not, whether the host identifier of the remote host matches the preloaded authorized host identifier, before further communicating with the remote host, including the exchange of certificates. In this way, the terminal is protected against attacks or intruders. Following the exchange of certificates, the host may securely transfer the master key to the terminal in a message encrypted under the terminal's public key. The terminal may decrypt the message, including the master key, using its corresponding secret key.