Boots – shoes – and leggings
Patent
1987-08-28
1988-05-24
Atkinson, Charles E.
Boots, shoes, and leggings
235382, 34082534, 380 24, 380 45, 380 47, H04L 902, G07F 710
Patent
active
047470500
ABSTRACT:
An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing centers. Users of the system are issued with intelligent secure bank cards, which include a microprocessor, ROS and RAM stores. The ROS includes a personal key (KP) and an account number (PAN) stored on the card when the issuer issues it to the user. Users also have a personal identity numbe (PIN) which is stored or remembered separately.
A transaction is initiated at a retail terminal when a card is inserted in an EPT module connected to the terminal. A request message including the PAN and a session key (KS) is transmitted to the issuers data processing center. The issuer generates an authentication parameter (TAP) based upon its stored version of KP and PIN and a time variant parameter received from the terminal. The TAP is then returned to the terminal in a response message, and based upon an inputed PIN, partial processing of the input PIN and KP on the card a derived TAP is compared with the received TAP in the terminal. A correct comparison indicating that the entered PIN is valid.
The request message includes the PAN encoded under the KS and KS encoded under a cross-domain key. Message authentication codes (MAC) are attached to each message and the correct reception and regeneration of a MAC on a message including a term encoded under KS indicates that the received KS is valid and that the message originated at a valid terminal or card.
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Brachtl Bruno
Holloway Christopher J.
Lennon Richard E.
Matyas Stephen M.
Meyer Carl H.
Atkinson Charles E.
Hoel John E.
International Business Machines - Corporation
Jablon Clark A.
Lester Edwin
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