IC Card Terminal Authentication via Stored Credentials
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Solution Overview
Problem
Existing systems for charging up electronic money cards using credit cards are costly due to the need for dedicated lines for authentication, limiting their widespread adoption.
Innovation Solution
A financial server and IC card terminal system that authenticates credit card owners using stored authentication information, allowing for secure transactions over a general network like the Internet, eliminating the need for dedicated lines by transmitting authentication results instead of information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If dedicated lines are installed between card terminals and credit company server for authentication, then security is improved, but system cost increases
Solution Approach 1:
The patent extracts the authentication information from the terminal device and stores it in the IC card. The terminal only needs to verify the authentication result returned by the server, rather than maintaining dedicated authentication lines. This separates the authentication storage function from the terminal device, reducing infrastructure requirements while maintaining security.
Solution Approach 2:
The patent uses authentication information stored in the IC card as a copy or representation of the user's credentials. Instead of requiring direct communication channels between terminal and server for authentication, the system uses the stored authentication information in the card to verify user identity, eliminating the need for dedicated authentication lines.
2Device complexity
If authentication information is transmitted over general networks like the Internet, then infrastructure cost is reduced, but security may be compromised
Solution Approach 1:
The patent performs authentication information storage in the IC card before the actual transaction occurs. The authentication information is preliminarily prepared and stored securely in the card, so that during transactions over general networks, only the verification process is needed, not the transmission of sensitive authentication data. This preliminary storage action enables secure communication over insecure channels.
Solution Approach 2:
The IC card acts as an intermediary that holds authentication information. Instead of directly transmitting authentication data between terminal and server over the network, the card serves as a mediator that provides verification, allowing secure authentication through general networks without exposing sensitive information.
Data Source
AI summary
A system capable of charging up electronic money cards using a credit card is provided. A PIN is authenticated between a card terminal and the credit card. The card terminal transmits to a credit company server an authentication result, amount information indicating an amount with which to charge up, and a credit card number of the credit card. After billing, the credit company server transmits the amount information and the credit card number to an electronic money server. The electronic money server identifies an electronic money card based on the credit card number. The electronic money server generates amount change information for adding the amount with which to charge up to “VALUE”, and transmits the amount change information to the card terminal. The electronic money card updates the amount of “VALUE” stored therein to an amount specified by the amount change information.