• 제목/요약/키워드: Virtual Credit Card Number

검색결과 6건 처리시간 0.019초

대면거래환경에서 효율적인 인증을 위한 공개키 기반의 가상카드번호 결제 기법 (Public Key based Virtual Credit Card Number Payment System for Efficient Authentication in Card Present Transaction)

  • 박찬호;박창섭
    • 정보보호학회논문지
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    • 제25권5호
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    • pp.1175-1186
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    • 2015
  • 신용카드사용이 증가하는 만큼 금융사고 또한 증가하고 있다. 자기 띠 카드 방식은 신용카드 정보가 평문으로 노출되고 사용자 인증 또한 허술한 취약점으로 인해 향상된 보안성을 제공하는 스마트카드 방식으로 전환되는 추세에 있다. 또한 최근에는 IT와 금융상품을 접목한 핀테크 (FinTech) 열풍이 불면서 대면거래환경에서도 카드가 아닌 모바일 기기들을 기반으로 하는 결제 기법들이 많이 제안되고 있다. 본 논문에서는 카드 소지자 모바일기기를 기반으로 카드 소지자의 공개키를 이용해 생성하는 가상카드번호를 카드사에 사전 등록함으로써 대면거래환경에서 PKI와 인증서 없이 효율적으로 사용자를 인증하여 편의성을 증가시키면서도 신용카드 정보에 대한 보안성을 제공하는 가상카드번호 결제 기법을 제안하고 대면거래환경에서 보안성을 제공하는 대표적인 신용카드 결제 방식인 EMV 기법과 비교 분석 해 보도록 한다.

Cryptographically-Generated Virtual Credit Card Number for Secure Card-Not-Present Transactions

  • Park, Chan-Ho;Park, Chang-Seop
    • KSII Transactions on Internet and Information Systems (TIIS)
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    • 제10권4호
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    • pp.1864-1876
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    • 2016
  • Card-Not-Present (CNP) transactions taking place remotely over the Internet are becoming more prevalent. Cardholder authentication should be provided to prevent the CNP fraud resulting from the theft of stored credit card numbers. To address the security problems associated with CNP transactions, the use of a virtual card number derived from the transaction details for the payment has been proposed, instead of the real card number. Since all of the virtual card number schemes proposed so far are based on a password shared between the cardholder and card issuer, transaction disputes due to the malicious behavior of one of the parties involved in the transaction cannot be resolved. In this paper, a new virtual card number scheme is proposed, which is associated with the cardholder's public key for signature verification. It provides strong cardholder authentication and non-repudiation of the transaction without deploying a public-key infrastructure, so that the transaction dispute can be easily resolved. The proposed scheme is analyzed in terms of its security and usability, and compared with the previously proposed schemes.

효율적인 인증을 위한 해시 저장방식의 가상카드번호 결제 시스템 (Virtual Credit Card Number Payment System with Stored Hash Value for Efficient Authentication)

  • 박찬호;김건우;박창섭
    • 정보보호학회논문지
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    • 제25권1호
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    • pp.5-15
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    • 2015
  • 초고속 인터넷과 무선통신망의 발달로 전자상거래는 급증하는 추세이다. 그러나 최근 이동통신사, 금융사 등의 해킹사건으로 인해 많은 수의 개인정보가 유출되었다. 특히 신용카드정보의 경우 온라인 거래에 악용되어 결제를 시도할 수 있고 이에 따른 피해는 카드소지자가 입게 된다. 이를 막기 위해 실제카드번호 대신 가상카드번호를 사용하는 기법들이 제안되었다. 하지만 기존의 제안들은 취약점이 존재하고 추가적인 보안 인프라가 필요하다. 본 논문에서는 기존에 제안된 가상카드번호 기법들을 분석하고 카드 사용자가 공개키/비밀키 키쌍을 생성하고 공개키를 카드사에 사전등록 함으로써 보안 요구사항을 충분히 만족시키면서도 추가적인 보안 인프라 없이 효율적으로 결제할 수 있는 가상카드번호 기법을 제안한다.

통합인증센터를 활용한 일회용 가상카드번호 생성 및 결제서비스 프로토콜 (One-Time Virtual Card Number Generation & Transaction Protocol using Integrated Authentication Center)

  • 서승현
    • 정보보호학회논문지
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    • 제20권3호
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    • pp.9-21
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    • 2010
  • 최근 유명 온라인 쇼핑몰 사이트가 해킹을 당해 많은 사용자들의 ID, 패스워드, 계좌번호, 주민등록번호, 신용카드번호와 같은 개인 정보들이 누출되었다. 해커들은 계속해서 온라인 쇼핑몰 사이트에 대한 공격을 하고 있으며 해킹피해자들의 수도 증가하고 있다. 신용카드 번호가 누출되면, 해커들이 금전적인 이득을 취하기 위해 누출된 카드번호를 악용할 수 있어 특히 위험하다. 2007년 Financial Cryptography 학회에서 Ian Molly 등이 최초로 일회용 가상카드번호 생성 스킴을 제안한 바 있으나, 재사용불가의 특성을 제공하지 못한다. 본 논문에서는 Ian Molly 스킴의 취약성을 분석하고, 휴대단말기를 활용하여 일회용 가상카드번호의 보안요구사항을 만족하는 새로운 일회용 가상카드번호 생성 스킴을 제안하였다. 또한, 이를 기반으로 사용자 편의성과 보안성강화를 위해 통합인증센터를 활용한 일회용 가상카드 결제 프로토콜을 설계한다.

안전한 전자상거래를 위한 가상카드번호 생성시스템의 개발에 관한 연구 (A Study on the Development of a Virtual Card Number Generation System to Safety EC)

  • 최준기;이종광;강영창
    • 한국항행학회논문지
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    • 제14권1호
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    • pp.27-32
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    • 2010
  • 본 논문에서는 안전한 전자상거래를 위해 가상카드번호 생성시스템에 대한 연구를 진행하였다. 통신망 보안의 필요성이 급격히 증가하고 있는 추세에 맞추어, 전자상거래의 양 및 질적 팽창에 따른 안전한 상거래의 필요성도 더욱 증가하고 있다. 실제카드번호를 네트워크상에 노출시키는 대신 가상카드번호를 생성하여 노출시킴으로써 해킹의 위험을 원천적으로 차단할 수가 있다. 다양한 실험을 통하여 이를 증명하였다.

Wearable Computers

  • Cho, Gil-Soo;Barfield, Woodrow;Baird, Kevin
    • 섬유기술과 산업
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    • 제2권4호
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    • pp.490-508
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    • 1998
  • One of the latest fields of research in the area of output devices is tactual display devices [13,31]. These tactual or haptic devices allow the user to receive haptic feedback output from a variety of sources. This allows the user to actually feel virtual objects and manipulate them by touch. This is an emerging technology and will be instrumental in enhancing the realism of wearable augmented environments for certain applications. Tactual displays have previously been used for scientific visualization in virtual environments by chemists and engineers to improve perception and understanding of force fields and of world models populated with the impenetrable. In addition to tactual displays, the use of wearable audio displays that allow sound to be spatialized are being developed. With wearable computers, designers will soon be able to pair spatialized sound to virtual representations of objects when appropriate to make the wearable computer experience even more realistic to the user. Furthermore, as the number and complexity of wearable computing applications continues to grow, there will be increasing needs for systems that are faster, lighter, and have higher resolution displays. Better networking technology will also need to be developed to allow all users of wearable computers to have high bandwidth connections for real time information gathering and collaboration. In addition to the technology advances that make users need to wear computers in everyday life, there is also the desire to have users want to wear their computers. In order to do this, wearable computing needs to be unobtrusive and socially acceptable. By making wearables smaller and lighter, or actually embedding them in clothing, users can conceal them easily and wear them comfortably. The military is currently working on the development of the Personal Information Carrier (PIC) or digital dog tag. The PIC is a small electronic storage device containing medical information about the wearer. While old military dog tags contained only 5 lines of information, the digital tags may contain volumes of multi-media information including medical history, X-rays, and cardiograms. Using hand held devices in the field, medics would be able to call this information up in real time for better treatment. A fully functional transmittable device is still years off, but this technology once developed in the military, could be adapted tp civilian users and provide ant information, medical or otherwise, in a portable, not obstructive, and fashionable way. Another future device that could increase safety and well being of its users is the nose on-a-chip developed by the Oak Ridge National Lab in Tennessee. This tiny digital silicon chip about the size of a dime, is capable of 'smelling' natural gas leaks in stoves, heaters, and other appliances. It can also detect dangerous levels of carbon monoxide. This device can also be configured to notify the fire department when a leak is detected. This nose chip should be commercially available within 2 years, and is inexpensive, requires low power, and is very sensitive. Along with gas detection capabilities, this device may someday also be configured to detect smoke and other harmful gases. By embedding this chip into workers uniforms, name tags, etc., this could be a lifesaving computational accessory. In addition to the future safety technology soon to be available as accessories are devices that are for entertainment and security. The LCI computer group is developing a Smartpen, that electronically verifies a user's signature. With the increase in credit card use and the rise in forgeries, is the need for commercial industries to constantly verify signatures. This Smartpen writes like a normal pen but uses sensors to detect the motion of the pen as the user signs their name to authenticate the signature. This computational accessory should be available in 1999, and would bring increased peace of mind to consumers and vendors alike. In the entertainment domain, Panasonic is creating the first portable hand-held DVD player. This device weight less than 3 pounds and has a screen about 6' across. The color LCD has the same 16:9 aspect ratio of a cinema screen and supports a high resolution of 280,000 pixels and stereo sound. The player can play standard DVD movies and has a hour battery life for mobile use. To summarize, in this paper we presented concepts related to the design and use of wearable computers with extensions to smart spaces. For some time, researchers in telerobotics have used computer graphics to enhance remote scenes. Recent advances in augmented reality displays make it possible to enhance the user's local environment with 'information'. As shown in this paper, there are many application areas for this technology such as medicine, manufacturing, training, and recreation. Wearable computers allow a much closer association of information with the user. By embedding sensors in the wearable to allow it to see what the user sees, hear what the user hears, sense the user's physical state, and analyze what the user is typing, an intelligent agent may be able to analyze what the user is doing and try to predict the resources he will need next or in the near future. Using this information, the agent may download files, reserve communications bandwidth, post reminders, or automatically send updates to colleagues to help facilitate the user's daily interactions. This intelligent wearable computer would be able to act as a personal assistant, who is always around, knows the user's personal preferences and tastes, and tries to streamline interactions with the rest of the world.

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