ACARD ARS-2032DS DRIVER DETAILS:
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ACARD ARS-2032DS DRIVER
In a system for authenticating users and devices in on-line transaction networks comprising a plurality of remote Acard ARS-2032DS in communication with a central processing unit including a data base containing encrypted data used in the authentication of the users and devices, said data being encrypted with a master key and including terminal master keys for each of said remote terminals and identification numbers for each of said users all of which are secret, said data further including terminal identification numbers for each of said remote terminals and account numbers for each of said users, wherein each of said remote terminals is provided with means for entering an account number and an identification number of a user initiating a transaction as well as the nature of the transaction, the improvement in a method for protecting the transaction comprising the steps of: The method of protecting a transaction as recited in claim 1further comprising the step of appending the account number to the encrypted transaction request message prior to transmitting and wherein the step of deriving the working key is performed by generating the working key using the appended account number, the user identification number, the terminal Acard ARS-2032DS number and the terminal master key.
The method of protecting a transaction as recited in claim 1further comprising the steps of generating a transmitted key using the working key and appending the transmitted key to the encrypted transaction request message prior to transmitting and wherein the step of decrypting the message is performed using the appended transmitted key to obtain the working key, the working key then being decrypted to obtain the user identification number.
The method of protecting a transaction as recited in claim 3further comprising the steps of: The method of protecting a transaction as recited in claim 4wherein said acknowledgement is encrypted using the working key. The method of protecting a transaction as recited in claim 3wherein the step of generating the working key comprises the steps of: The method of protecting a transaction as recited in claims 3 or 6, wherein the time of day is also used to generate the working key. The method of protecting a transaction as recited in claim 6wherein the time of day is used to generate the first security parameter and at the central processing unit, further comprising the step of decrypting the Acard ARS-2032DS security parameter using the working key to obtain Acard ARS-2032DS time of day, the transaction not being approved if the decrypted time of day varies by more than a predetermined time period from the time of day at the central processing unit.
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The method of protecting a transaction recited in claim 4further comprising the step of updating the data base at the central processing unit after acknowledgement. The method of protecting a transaction as recited in claim 3wherein each of said terminals includes a card reader for reading a user card encoded with the user account number, the card being inserted in the card reader in order to initiate a transaction and the user then entering a user identification number. The method of protecting a transaction as recited in claim 10wherein the card encoded with the user account number also has an anti-counterfeiting feature, and the step of generating a working key comprises the steps of: The method of protecting a transaction as recited in claim 6wherein the step of generating the working key further comprises the steps of: The method of protecting a transaction as recited in claim 12wherein the step of generating the transmitted key comprises the steps of: The method of protecting a transaction as recited in claim 13wherein the step of decrypting Acard ARS-2032DS message received at the central processing unit comprises the steps of: The method of protecting a transaction as recited in claim 10wherein after the step of comparing the user identification number and account number, if the transaction is not validated, comprising the further step of requesting that the user identification number be re-entered to re-initiate the transaction.
The method of protecting a transaction as recited in claim 15wherein the card is retained in the card reader and not returned to the user if the step of requesting the user identification to be re-entered is repeated a predetermined number of times. The method of protecting a transaction as recited in claim 3wherein the on-line transaction networks comprise a plurality of central processing units each in communication with other central processing units, each of said central processing units having an identification number which is used to obtain a secret interchange master key and a secret password, further comprising the steps in an interchange transaction between central processing units of: Field of the Invention This invention relates to the secure generation and transmission of Transaction Request Messages and Responses in on-line Electronic Funds Transfer and other types of networks consisting of remote terminals in communication with a central data base containing encrypted data used in the validation Acard ARS-2032DS authentication process or similar networks used to transfer funds and that provide for, in addition to transferring funds, dispensing cash, paying bills, making deposits, dispensing a good or permitting utilization of a service.
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History of the Prior Art Both on-line and off-line computer networks and systems have been Acard ARS-2032DS for executing user initiated or requested financial transactions for reasons of public convenience and economy. One example is a cash dispensing machine. Such a machine may be activated by use of an appropriately coded check or other negotiable instrument, or a plastic credit, debit or identification card, and dispenses the requested amount of cash if the request seems valid to the authenticating means in the cash dispensing device.
One type of on-line system stores account information in a central data base to which the remote terminals are connected by data communication lines. In response to submission of specified information from a remote terminal, such as account number, amount of sale or amount requested, merchant identification if a sale, and secret information related to the cardholder, the system searches the account files to obtain data that may indicate that the transaction should be approved or denied. Such information may include date of last use, amount of credit if a credit transaction, balance in account, whether a card has been lost, stolen or has expired. If the transaction is approved, the system adjusts the account information appropriately after the transaction is completed.
As the art progressed, terminals with increased functions were provided that permitted more functions to be performed than dispensing cash or effecting a purchase. For instance, financial institutions, to reduce peak loads and to extend their services during times of business closure, permit the transfer of funds between accounts, accept payments for utilities or for loan balances, accept deposits, and provide for advances to be charged to valid credit cards. These devices typically include a plastic card reading mechanism, a keyboard, a display, document entry and exit apertures and may be connected to a data base or operate as a stand-alone device. Due to the increased functions permitted, the exposure to fraud increased, so that secret numbers Personal Identification Numbers were issued to cardholders to reduce the exposure.
The Personal Identification Number entered on the keyboard by the cardholder must either Acard ARS-2032DS directly with the number encoded on the magnetic stripe of the plastic card or some correspondence, that may depend on encryption, must exist between the Personal Identification Number and the number encoded on the magnetic stripe. Otherwise, the transaction is not enabled on the presumption that the card was either lost or stolen. This method may be used by stand-alone devices or devices Acard ARS-2032DS to a central data base. The use of a Personal Identification Number improved the security of such systems but still left some means available for fraud and had other disadvantages. The problem of secure issue of Personal Identification Numbers arose.
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The use of on-line files with lists of Personal Acard ARS-2032DS Numbers may permit unauthorized access to the files by employes for purpose of obtaining what is supposed to be secret information. With such information, duplicate or counterfeit cards can easily be manufactured to perpetrate fraud.
Several different approaches were taken to overcome the disadvantages. One approach, Acard ARS-2032DS avoid the use of on-line files and to overcome the supposed cost and complexity of on-line systems, was to try to improve the security of stand-alone use. As a result, special plastic cards with material laminated into the card, pasted onto the card, holes punched into or onto the card as a security measure, were devised, none of which was effective by itself. Another approach was to encrypt the Personal Identification Number stored in the account records, which is effective, provided appropriate additional security measures are instituted. Encryption may not be effective with stand-alone devices because of access required by maintenance personnel and for replenishing the cash supply or other servicing, thereby exposing the encryption key to simple means of compromise.
Encrypting only the secret information in the central account records is not effective since the secret information must also be entered at a remote terminal to initiate a transaction and be transmitted, usually by means of utility communication lines, to the centralized computer, thereby becoming subject to monitoring by person or persons unknown.
The transmission therefore must also be encrypted, which is effective but may still permit someone who can break the code access to the list of correspondence between account information and Personal Indentification Numbers by monitoring these transmissions. An additional shortcoming is the generation, by a sophisticated penetrator, of spurious transactions to fraudulently transfer funds within data base accounts. As a result, the previous methods of validating the Acard ARS-2032DS number at a centralized data processor provide protection against casual fraud but may not provide adequate protection against a penetrator having knowledge of, and perhaps, access to, current data processing equipment or systems. Alternatively, those methods that seem to provide an adequate level of security also seem quite costly due to the need for utilizing high-cost data communication lines for multiple transmissions for validation of each transaction and for transmission in a secure way of the required enciphering keys, rather than relying on a single Transaction Request Message, a single Response and an acknowledgement or some minimum number of transmissions per transactions.
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There has evolved within the same time frame networks other than the proprietary networks that a single financial institution may deploy to service its customers. Financial Institutions may decide to share networks or to interchange transactions in order to provide better service. The ACARD CD/DVD Copier is a standalone CD/DVD controller that will allows you to carry out duplicator requirement without taking up the resources of your. Manuals and User Guides for Acard ARS-2032DS ARSD ARSD. We have 1 Acard ARSD ARSD manual available for free PDF download: User Manual.