Offline Electronic Cash Security via Smart Card Verification
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Solution Overview
Problem
In traditional offline electronic cash transactions, the lack of real-time authentication allows for potential tampering with balance information, leading to security issues as transactions cannot be verified in time, enabling fraudulent activities.
Innovation Solution
The method involves a back-end server generating and transmitting security information, including an anti-replay factor and active field information, to a smart card, which verifies the information and stores it, ensuring that only valid transactions are processed, thereby preventing tampering and enhancing security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If offline transaction is performed without real-time authentication, then transaction convenience is improved, but security is worsened due to potential tampering and fraudulent activities
Solution Approach 1:
The back-end server performs preliminary actions by generating security information including digital signatures and active field information (transaction limits, validity periods) before the offline transaction occurs. This pre-established security framework enables the smart card to operate autonomously offline while maintaining security constraints, thus resolving the contradiction between transaction convenience and security.
Solution Approach 2:
The smart card acts as an intermediary device that stores and verifies security information locally. It mediates between the offline transaction requirement (no real-time server connection) and security requirements (verification of transaction validity). The smart card independently verifies active field information and enforces transaction limits, enabling secure offline operations.
2Reliability
If active field information is added to smart card, then transaction security is improved, but device complexity is worsened
Solution Approach 1:
The smart card is designed with multi-functionality, serving both as a traditional payment medium and as a security verification device. It simultaneously stores electronic cash balance, active field information (transaction limits, validity periods), and verification algorithms. This universal design consolidates multiple functions into a single device without requiring additional hardware components, thus minimizing the increase in device complexity while enhancing security.
3Reliability
If real-time settlement is implemented, then transaction validity verification is improved, but transaction speed is worsened due to required server connection
Solution Approach 1:
The back-end server performs all verification准备工作 in advance by generating digital signatures, setting transaction limits, and defining validity periods before the offline transaction. This preliminary action transfers the verification burden from real-time server interaction to pre-computed security information stored in the smart card, enabling fast offline transactions with built-in verification capabilities.
Solution Approach 2:
The smart card performs self-service verification of transaction validity using stored active field information and digital signatures. It independently checks whether transactions comply with pre-set limits and validity periods without requiring real-time server communication. This self-service mechanism maintains transaction verification reliability while enabling offline operation speed.
Data Source
AI summary
Provided is an electronic cash-based offline transaction method and system. The method includes: receiving, by a back-end server from a smart card, an anti-replay factor generated by the smart card; determining, by the back-end server in accordance with a predetermined algorithm, whether an abnormal transaction occurs on the smart card, generating, by the back-end server when no abnormal transaction occurs, a security information signature by signing security information with a private key of the back-end server, and transmitting, by the back-end server, the security information and the security information signature to the smart card (S2).