Secure Credential Provisioning via One-Time Key Encryption

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Solution Overview

Problem

Existing systems face challenges in securely protecting credential data during transmission and storage, as attackers can intercept and breach sensitive information, compromising transaction security.

Innovation Solution

A method involving a user device generating a one-time public key to send a provisioning request to a server, receiving an encrypted response with a storage protection key, and decrypting credential data only at transaction time, ensuring end-to-end protection by storing the encrypted data and key separately.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If credential data is transmitted and stored in plaintext for easy access, then operational convenience is improved, but security is worsened as attackers can intercept and breach sensitive information

Engineering Contradiction:
Improveaccess convenienceVSAvoidsecurity risk
Core Design Contradiction:
Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The credential data is encrypted before transmission and storage using a storage protection key. This preliminary encryption action ensures that even if the encrypted credential data is intercepted or accessed during transmission or storage, it remains protected and cannot be used by attackers without the decryption key.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system separates the encrypted credential data from the storage protection key, storing them in different locations. The encrypted credential data can be stored remotely while the storage protection key is stored locally in the user device. This segmentation ensures that an attacker would need to compromise both components to access the credential data.

Inventive Principle:
Principle #1Segmentation

2Object-affected harmful factors

If credential data is encrypted during transmission and storage, then security is improved, but access complexity increases as decryption requires multiple components

Engineering Contradiction:
ImprovesecurityVSAvoiddecryption process complexity
Core Design Contradiction:
Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The system combines the encrypted credential data with the storage protection key in a unified decryption process. When credential data needs to be accessed, both the encrypted credential data and the storage protection key are retrieved and used together to decrypt the credential data, simplifying the access workflow while maintaining security.

Inventive Principle:
Principle #5Merging (Combining)

3Object-affected harmful factors

If the storage protection key is stored separately from encrypted credential data, then security is improved through segmentation, but retrieval time increases due to needing to access both components

Engineering Contradiction:
ImprovesecurityVSAvoidretrieval time
Core Design Contradiction:
Object-affected harmful factorsVSLoss of time

Solution Approach 1:

The storage protection key is pre-stored in the user device in an encrypted form using a key encryption key. This preliminary preparation ensures that when credential data needs to be accessed, the decryption process can proceed efficiently without requiring additional key retrieval steps, thus minimizing retrieval time while maintaining security.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS11856104B2Methods for secure credential provisioning
Publication Date: 2023.12.26 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US11856104B2 patent drawing
  • US11856104B2 patent drawing
  • US11856104B2 patent drawing

AI summary

Embodiments can provide methods for securely provisioning sensitive credential data, such as a limited use key (LUK) onto a user device. In some embodiments, the credential data can be encrypted using a separate storage protection key and decrypted only at the time of a transaction to generate a cryptogram for the transaction. Thus, end-to-end protection can be provided during the transit and storage of the credential data, limiting the exposure of the credential data only when the credential data is required, thereby reducing the risk of compromise of the credential data.