Method and device for data communication

Technical Field

The present invention relates to a method and a system for data communication between a central unit or host, such as a central computer in a bank, and a user unit comprising an IC card that the user carries and uses when he intends to carry out transactions involving communications with the host, and a terminal capable of communicating with the IC card and the host and acting as an interconnection link between them.

Background

It is presently known to use data transfer systems comprising IC card-controlled terminals and a host. It is likewise known to use, in these systems some kind of secret information to cryptographically protect transferred data.

Two principal disadvantages are found in the data transfer systems in use today. The first one relates to the fact that the terminals contain secret information which, on account of the physical availability of these terminals to the public, may be exposed to violation in the sense that an unauthorised person may try to read the secret information from the terminal. The second disadvantage is that since present standards on the configuration of IC cards, with the exception of such basic features as signal levels and the like, allow considerable degrees of freedom regarding for instance the memory addresses to which the data are to be allocated, the terminals normally are able to handle one type of card only.

-2An object of the present invention is to provide a method and a system which alleviates the problems outlined above, thus providing increased flexibility with respect to cards that may be used in the system and increased safety in managing of secret information.

Summary of the Invention • · · · • · • · • ··« • · ·· · I

According to one aspect of the present invention there is provided a method of transferring data between a user unit including a terminal and an IC card which is placed in communication with the terminal, and a central unit, such as a central computer located at a producer of services, preferably a bank, secret information being used in the user unit and the central unit to protect data transferred between said units, wherein the user unit is made to operate in a safe system mode involving safe data transfer between the user unit and the central unit in the sense that unauthorised persons cannot gain knowledge of the transferred data and/or that it is possible to verify whether transferred data have been distorted or been replaced during the transfer, wherein card-specific program information in the card is used to control the terminal as the latter interacts with the card in connection with the user unit being made to operate in a safe system mode, the card-specific program information being transferred to the terminal to be utilised in connection with said control, and wherein safe data transfers are effected while making use of card-specific secret information in the IC card, the use of the card-specific secret information for cryptographic protection being effected by cryptographic processing in the card in such a manner that the card-specific secret information never leaves the card.

According to a further aspect of the present invention there is provided a system for transfer of data, including a user unit having an IC card and a terminal and a central unit, said card including card communication means for communication with the terminal, the terminal including terminal communication means for communication with the card, and a terminal communication unit for communication with the central unit, said central unit including a central

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-2acommunication unit for communication with the terminal and the user unit and the central processing unit including secret information that is used to cryptographically protect data transfers between said units, wherein the IC card includes first card memory means for storage of card-specific program information, and second card memory means for storage of card-specific secret information which is used to cryptographically protect data transferred between the user unit and the central unit in a safe system mode, said second card memory means being configured in such a manner that said secret information cannot be read out from the card and wherein the terminal includes terminal read10 out means for reading the contents of said first card memory means and program executing means arranged, while utilising the read-out card-specific program information, to control the interaction between the terminal and the IC card in order to establish the safe system mode.

.... A basic concept of the invention is that at least sensitive data transfers »y. 15 between the user unit and the host are carried out in a separate safe system • · mode and that program-controlled realisation of the safe system mode is carried • · out by using card-specific program information contained in the card. The safe • · · ’·... system mode means that data transfers are carried out in such a manner that ·;· unauthorised persons cannot distort or manipulate transferred data without such • · ·· : 20 interference being discovered. For this purpose, secret information in the user • · · · ^{: :} unit and in the host is made use of. The initiation of communication between the • * ·

Λ.· card and the terminal is carried out in so-called normal system mode.

Cards used in accordance with the invention contain card-specific program • · information transferred to and used by the terminal in connection with the establishment of a safe mode.

In accordance with the present invention the “resident” information contents in the terminal is no more extensive than is absolutely necessary. Each card carries program information which is specific to the individual card and which is transferred to the terminal. Since the card-specific program information is transferred to the terminal the latter need not contain “resident” program

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WO 97/16904 PCT/SE96/01396 information that is specific to each individual card or card type.

This makes it possible to use in the system, cards that are configured in different ways without it being necessary for the terminal to contain considerable software, and for example several card issuers may use the same set of terminals without it being necessary that the terminal contains, or that the other card issuers have knowledge of, the software that a specific card issuer uses in order that a safe system mode be adopted.

The system in accordance with the invention allows the terminal to be made both inexpensive and flexible in the sense that without difficulties it is possible to adapt the unity card/terminal to include cards that are configured differently without the terminal having to be changed or be provided with new resident program information.

Transfer of card-specific program information from the card to the terminal is effected, in accordance whit a preferred embodiment, under the controll of the host the actions of which are based on card-identifying information or a code transferred from the user unit. However, it is obviously possible that this may be effected by the terminal and the card without involving the host.

Cards used in accordance with the invention likewise contain card-specific secret information which is used to produce cryptographical protection of data transfers and which is stored in such a way that it cannot be read out from the card.

In accordance with a preferred embodiment the cardspecific secret information is used to encrypt (in the widest sense), by means of an algorithm, preferably the so-called DES algorithm, a generated session key, preferably in the form of a random number which is then transferred to the host in encrypted form. This session key is then used to cryptographically protect data • · Λ ·

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-4transferred between the user unit and the host in a safe system mode.

The above-mentioned session key is erased in the user unit at the latest the next time contact is established between an IC card and the terminal, although it is possible to effect such erasure, for instance in response to a specific command while contact is still being maintained, because it is desired to begin a new session, or when the contact between the card in question and the terminal is interrupted.

Obviously it is likewise possible to use card-specific secret information as such in order to cryptographically protect data transferred between the host and the user unit in a safe system mode, i.e. that the secret information is used as a cryptographic key, either in an encryption algorithm or in an authentication algorithm.

In accordance with a preferred embodiment, the terminal comprises a keyboard which may be used only in a safe system mode.

In order to protect data transferred on an open line or in another medium accessible to unauthorised persons various different cryptographical techniques are used. A common method is to first encrypt data which are then transferred and finally decrypted. The reverse order is also possible, as for instance in the case of a random number which is adopted to create an encryption key for an encryption algorithm it is possible to instead transfer the random number in cleartext and to then encrypt/decrypt it and later use the result as an encryption key. Also this technique may be used in connection with the invention, which thus is not limited to use in connection with the

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WO 97/16904

PCT/SE96/01396 cryptographic technique described herein in detail. Symmetrical as well as asymmetrical encryption systems may be used.

Brief Description of the Drawings

Fig. 1 is a schematic block diagram relating to one embodiment of a system in accordance with the present invention.

Fig. 2 illustrates a flow chart of measures to be taken in accordance with a preferred embodiment before initiation of data transfers between the user unit and a host in a safe system mode.

Fig. 3 illustrates the manner in which an encryption key is generated and encrypted in accordance with one embodiment of the present invention before the encryption key is transferred to the host.

Fig. 4 illustrates the authentication of messages (data) in accordance with a preferred embodiment of the present invention.

Fig. 5 contains a list of the different varieties of generation of code keys and transfer thereof to the host.

Figs 6a-6h are flow charts illustrating the varieties listed in Fig. 5.

Detailed Description of Embodiments of the Present

Invention

In the following a system will be described with reference to Fig. 1 which system is designed for safe data transfers and which comprises a user unit, comprising an IC card 1, a terminal 2, and a central unit (host) 3.

The IC card 1 comprises card communication means 4 that are placed in contact with terminal communication means 5 to establish a connection for data transfers between the IC card 1 and the terminal 2.

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PCT/SE96/01396

In addition, the IC card 1 comprises first card memory means 9 for storing card-specific program information to be transferred to the terminal 2; second card memory means 10 for storage of card-specific secret information in such a way that it cannot be read out from the card; a memory means 16 for storage of a cardidentifying code; and a processor 15 containing required program information to allow execution of the required cryptographic processing, in this case encryption, and generation of a session key before the latter is transferred to the host 3, as will be described further on.

The terminal 2 comprises a terminal communication unit 6 in communication with the central communication unit 7 associated with the host 3, in order to allow data transfers between the host 3 and the user unit, and a key generating means 13, in the form of a random number or pseudo random number generator for generation of a session key to be transferred to the host in an encrypted state and to be used for authentication of messages to be transferred between the user unit and the host 3, as will also be described later on. The terminal 2 comprises storage means 14 to store the session key.

In accordance with another preferred embodiment no key generating means is used in the terminal but the generation of the key instead takes place in the processor 15 in the card.

The terminal 2 and the host 3 in addition comprise control means 8, 18 to control the transfer of the system to the safe system mode which in accordance with the preferred embodiment is considered to have been adopted once the session key has been transferred to the host. In this mode data transfers between the terminal 2 and the host 3 take place in such a manner that data that are being transfered are protected (cryptographic authentication) by means of the session key that has been transferred to the host. In addition, the terminal 2

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PCT/SE96/01396 comprises read-out means 11 for read-out of the card-specific program information in said first card memory means 9, the read-out program information being stored in and used by program executing means 12 in the terminal 2 in order to control interaction between the terminal 2 and the IC card 1.

Fig. 2 illustrates in the form of a flow chart the manner in which the IC card, the terminal and the host cooperate in accordance with one embodiment before data transfer in a safe system mode is initiated, a process to be described in closer detail in the following with reference to Fig. 4.

In step 100, the IC card 1 is inserted in the terminal 2, whereby contact is established between said termi15 nal communication means 5 and said card communication means 4. In step 101, an ID code stored in said memory means 16 is transferred via terminal 2 from the user unit IC card to the host 3. In step 102, on the basis of verification of the card type, i.e. the card configuration, the host 3 informs the terminal 2 on how its read-out means 11 are to proceed to read out the card-specific program information from said first card memory means 9. In accordance with a preferred embodiment, data transferred from the host contains information on the address where the read-out is to begin. In step 103, the card-specific program information is read from card 1 to terminal 2. In step 104, a random number is generated in said key generating means 13, said random number to be used as a session key in a sealing process while using a Message Authentication Algorithm (MAA). In step 105, the session key in the IC card is encrypter in said encryption means 15 using the secret information contained in the second card memory 10 of the IC card 1. In step 106, the session key is transferred in encrypted state to the host 3. Steps 104, 105 and 106 are illustrated in closer detail in Fig. 3. In step 107, a keyboard associated with the terminal 2 is opened for

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PCT/SE96/01396 use. In step 108, data transfer is begun in the now adopted safe system mode.

In the following, the description will be made with reference to Fig. 3. In accordance with the preferred embodiment a random number is generated in the terminal to be used as a key in an MAA process to authenticate messages (i.e. data) transferred from the user unit to the host and vice versa. This random number is then encrypted in the card in a DES encryption algorithm, using the secret information (DES key) in said second card memory means 10 (Fig. 1) as the encryption key in order to be transferred in encrypted state (the encrypted random number is designated by eK) via the terminal to the host 3, wherein it is decrypted and used as a session key in an MAA.

In Fig. 4 is exemplified the manner in which data transfers and authentication of data are carried out in a safe system mode in accordance with the preferred embodiment. The encrypted random number eK, having been transferred from the user unit, is decrypted in the host by means of a key stored in the host, said key depending on the card that is being used and being identical with the one in said card. The decrypted random number is then used as an MAA key together with a message to be transferred to the user unit and a message serial number, in an MAA in order to generate a cryptographic check sum, Message Authentication Code (MAC), which is added to and used to authenticate the message. The MAC will have a different appearance in successive messages during one and the same session (also when their contents are the same, since they have received different serial numbers). Thus, a flow of data is transferred, containing the message, the serial number, in cleartext, and a MAC.

In the user unit an MAA check is carried out to verify the message received while using the MAA key in the terminal, i.e. the random number, or in other words, a check to verify whether the message has been

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PCT/SE96/01396 manipulated on its way from the host to the user unit.

The check comprises a corresponding computation of a MAC and a comparison thereof with the MAC received together with the message, to determine coincidence.

When the user unit is to transfer a response message to the host one proceeds in a corresponding manner, i.e. on the basis of the random number, the response, and the serial number transferred from the host a new MAC is computed, which is added to the flow of data formed by the response from the user unit to the host and the latest serial number transferred from the host. The host then performs an MAA check of the transfered response in order to check that the response has not been manipulated on its way between the user unit and the host. Further message transfers may then be carried out in the same way.

Fig. 5 is an account of a number of possible modifications 1-8 of random number generation and protection of random numbers that may be used in connection with the present invention. Four cases (1,3,5,5) are shown in which the random number used as a session key is generated in the terminal and four cases (2,4,7,8) wherein the random number is generated in the card. In addition, four different varieties are shown of the forms in which the corresponding session key is used for cryptographic protection respectively is transferred to the host.

Figs 6a-6h show the eight various cases accounted for in Fig. 5 in more detail. The various steps illustrated for each case are indicated by numeral references placed inside white rectangular boxes. Each Figure illustrates the situation occurring when a user has inserted his card in the terminal and the system is about to accomplish a safe mode. It appears from the Figures that steps S1-S5 are identical for all eight varieties.

In step SI, the central unit (Host) commands the terminal (Terminal) to read out the identification number of the card to verify whether the card is associated with the

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PCT/SE96/01396 host in question and, when the verification is positive, to supply the encryption key which is associated with the card and which is to be used in the host to encrypt or decrypt the random number (session key), depending on in which form the key has been transferred to the host. In step S2, the terminal transfers the read-out card number to the host. In all eight cases, the host makes sure that the card has been issued by the user of the host, whereupon in step S3 it orders the terminal to begin to assume a safe mode. In steps S4 and S5 the terminal executed the program sequence that is its resident program information, i.e. to read and fetch the cardspecific program information from a file (SMIB) in the card. The rest of the steps to be executed in order for a safe mode to be assumed is governed by the contents of SMIB, i.e. the card-specific program information. This shows that a comparatively simple and thus inexpensive terminal (in principle capable only of reading out a file from an IC card), when used in a system in accordance with the present invention, may achieve an astonishing degree of flexibility with respect to its ability to interact with cards that are configured in different ways. The first case illustrated is the one shown in Fig. 3, i.e. the random number to be used as a session key is generated in the terminal and is encrypted in the card, in step S6 before being transferred to and stored in the terminal in step S7, the terminal finally, in step S8, sending the encrypted random number to the host, whereupon data transfer in safe system mode may be started in accordance with Fig. 4.

In accordance with the second case illustrated the following steps are performed, in addition to steps S1-S5 already described, viz.: in step S62 the terminal orders (in accordance with the contents of the corresponding

SMIB) the card to generate a random number; the card generates and sends a random number to the terminal wherein it is stored, in step S72; in step S82 the termiWO 97/16904

PCT/SE96/01396 nal orders the card to encrypt the generated random number; the card encrypts the random number and transmits it in encrypted state to the terminal; in step S102, finally, the terminal transmits the encrypted random number to the host, whereupon data transfer in safe system mode may start in accordance with Fig. 4.

In the third case illustrated, the following steps are executed in addition to steps S1-S5 already described, viz.: in step S63 the terminal generates and stores a random number and orders the card to decrypt the random number: in step S73 the decrypted random number is transferred to the terminal; and in step S83 the decrypted random number is transferred to the host. When the random number (session key) reaches the host it should not be decrypted before use but be encrypted in order to provide the key in cleartext, and otherwise data transfers are commenced in a safe system mode in same manner as illustrated in Fig. 4.

In the fourth case illustrated the following steps are executed, in addition to steps S1-S5 already described, viz.: in step S64 the card is ordered to generate a random number; in step 74 this random number is transferred to and stored in the terminal; in step S84 the terminal orders the card to decrypt the random number; in step

S94 the card sends the decrypted random number to the terminal; and in step S104 the decrypted random number is sent to Host. When the random number (session key) reaches the host it shoould not be decrypted before use but be encrypted to provide the key in cleartext and otherwise the data transfer in a safe system mode commences in the same manner as illustrated in Fig. 4.

In the fifth case illustrated the following steps are executed, in addition to steps S1-S5 already described, viz.: the terminal generates a random number which is transmitted in step S85 to the host in cleartext and which in step S65 is encrypted by the card; in step S75 the encrypted random number is transferred to and

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PCT/SE96/01396 stored in the terminal. Because there is an encrypted session key in the terminal and because the session key has been transferred to Host in cleartext it is necessary, in order to establish data transfer in safe system mode, to encrypt the session key in Host before it can be used.

The sixth case illustrated is distinguished from the fifth case only in the respect that whenever encrypting is effected in the fifth case decrypting now is to be performed.

In the seventh case illustrated the following steps are executed, in addition to steps S1-S5 already described, viz.: in step S67 the terminal orders the card to generate a random number which in step S77 is transferred to the terminal; in step S107 this random number is transferred in cleartext to the terminal and in step S87 the card encrypts the random number; in step S97, finally, the encrypted random number is transferred to and stored in the terminal. Because there is an encrypted session key in the terminal and because the session key has been transferred to Host in clear text it is necessary, in order to establish data transfer in safe system mode, to encrypt the session key in Host before it may be used.

The eighth case illustrated is distinguished from the seventh one only in the respect that whenever encrypting is effected in the seventh case decrypting now is to be performed.

One example of a set of the card-specific program information being transferred from the card to the terminal and producing the generation of a session key and transfer thereof to the host in accordance with variety 1 in Fig. 5 (Fig. 6a) may contain the following sequence of commands; OPEN (open up the file in the card containing the card-specific secret information, allowing it to be used as an encryption key in an encryption algorithm), RANDOM (generate a random number in the key-generating

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PCT/SE96/01396 means 13 of the terminal in accordance with the instructions contained in the command and storage of said number in the terminal storing means 14), CRYPT (read over the random number to the card and encrypt the random number in the card using a conventional encryption algorithm defined in and executed by the processor 15, and the encryption key), READ (read out the encrypted random number to the terminal) and TRANS (transfer the encrypted random number to host).

It should be understood that the commands and functions defined are only of an exemplifying nature and that they may be implemented in a large number of different ways and in a large number of different program languages. The methods of implementation of the functions used in the embodiments in accordance with the present invention in program code must be considered self-evident to those skilled in the art when reading the present invention and therefore they will not be described in more detail herein.