Electronic Authentication Systems
Field of Invention
5 The present invention relates to electronic authentication systems, in particular
those used for payment transactions.
Background to the invention
Electronic authorisation systems for payment transactions use protocols such as
those developed by EMVCo LLC which are published as specifications entitled
"Integrated Circuit Card Specifications for Payment Systems". These specifications
are for contact cards and are publically available and are currently at version 4.3
(currently available at http://www.emvco.com/specifications.aspx?id=223). An
equivalent set of specifications for contactless devices, currently at version 2.4, has
also been developed by EMVCo LLC and is also publicly available.
10
15
The specifications define a set of requirements to ensure interoperability between
transaction devices, e.g. integrated circuit chip cards, and Points of Interaction
(POIs), e.g. card terminals, on a global basis, regardless of the manufacturer, the
financial institution, or where the card is used.
20
It is an object of the present invention to provide various improvements to existing
electronic authentication systems for payment transactions. For example, whilst
current payment technologies such as EMV transfer issuer decision making
processes to the terminal, this present invention, at least partially, redefines the
balance between the payment device and the POI whilst also protecting against new
attacks and providing new transaction opportunities between transaction device
holder and merchant.
25
30
Statements of Invention
According to a first aspect of the present invention there is provided a transaction
device for establishing a shared secret with a point of interaction (POI) over a
communications network to enable encrypted communications between the
transaction device and the point of interaction, the device comprising: an input
35
WO 2014/195501 PCT/EP2014/061911
2
arranged to receive communications from the point of interaction; a processor
arranged to generate a first communication according to a Diffie-Hellman protocol;
an output arranged to send the first communication to the point of interaction;
wherein the processor is arranged to apply a randomly generated blinding factor, r,
5 when generating the first communication and wherein, in response to receiving a
second communication from the point of interaction at the input, the second
communication having been generated according to the Diffie-Hellman protocol, the
processor is arranged to apply the randomly generated blinding factor and generate
a shared secret according to the Diffie-Hellman protocol in dependence on data
10 contained within the second communication.
The transaction device according to the present aspect of the invention applies a
modified Diffie-Hellman exchange in which the transaction device applies a random
blinding factor twice within the establishment of a secure channel with the point of
interaction (POI). The blinding factor is applied in the outgoing message to the POI
15 and again on the data received from the POI. In this manner the transaction device
and POI may still generate a shared secret. Additionally, the data sent by the
transaction device, for example, the transaction device's public key is hidden from
view. Since the factor that is applied is random subsequent transactions will not be
initiated with the same initial communication from the transaction device to the POI
20 and consequently the user of the transaction device will have privacy of movement.
Preferably, the processor is arranged to use an elliptic Diffie-Hellman protocol. The
device may comprise a static public key Qc and the processor is arranged to use the
public key when generating the first communication.
The transaction device may conveniently comprise a public key Qc which is the
product of a private key dc and a point G on a curve that is part of an elliptic group. It
is noted that point G may be arranged to be known to both the transaction device
and the point of interaction prior to the first communication being generated. In other
words the point G may be known within the transaction system that the transaction
device is used within prior to any transaction taking place.
25
The processor may be arranged to calculate R = r • Qc for inclusion in the first
communication. The second communication may comprise an ephemeral public key
Qt of the point of interaction where Qt = dt 'G and dt is an ephemeral private key of
the point of interaction. The processor may be arranged to generate the shared
30
WO 2014/195501 PCT/EP2014/061911
3
secret by combining the public key from the second communication with private key
dc and applying the blinding factor r to generate rdcdt'G.
In response to generating the shared secret, the processor may be arranged to
generate a further communication to the point of interaction, the further
5 communication comprising the public key of the transaction device, security
certificates and the blinding factor r, the further communication being encrypted in
dependence with the shared secret.
The processor may be arranged to calculate encryption key Kc wherein Kc=f(rdc,Qt)
and to encrypt subsequent communications with the point of interaction using key
10 Kc.
In order to preserve privacy within the system the processor, at the end of a
communication session with the point of interaction, may be arranged to delete the
random blinding factor and the key Kc.
Preferably, the transaction device comprises a random number generator for
15 generating the blinding factor r.
The present invention extends to a mobile communications device comprising a
transaction device according to the first aspect of the invention. The mobile
communications device may comprise a secure element, the transaction device
being located at least partially within the secure element.
20 The present invention also extends to a bank transaction card comprising a
transaction device according to the first aspect of the present invention.
According to a second aspect of the present invention, there is provided a method of
establishing a shared secret between transaction device and a point of interaction
(POI) over a communications network to enable encrypted communications between
25 the transaction device and the point of interaction, the method comprising:
generating, at the transaction device, a first communication according to a Diffie-
Hellman protocol; sending the first communication to the point of interaction;
wherein generating the first communication comprises applying a randomly
generated blinding factor, r, and wherein, in response to receiving a second
30 communication from the point of interaction at the input, the second communication
having been generated according to the Diffie-Hellman protocol, the method
comprises applying the randomly generated blinding factor and generating a shared
WO 2014/195501 PCT/EP2014/061911
4
secret according to the Diffie-Hellman protocol in dependence on data contained
within the second communication.
According to a third aspect, there is provided a method of detecting relay attacks
between first and second devices in a communications network, comprising:
5 sending first data from the first device to the second device; receiving a
communication from the second device, the communication comprising second data
generated at the second device and a time parameter related to the generation of
the second data; measuring a total transmission time at the first device between
sending the first data to receiving the communication; determining a further time
10 parameter related to the generation of the second data from the measured total
transmission time; determining the presence of a relay attack between the first and
second devices in dependence on a comparison of the time parameter and the
further time parameter.
The method according to the present aspect of the present invention helps mitigate
15 against relay attacks. First and second data, such as random numbers generated at
respectively the first and second devices, are exchanged between the first and
second devices. Additionally the second device sends the first device the time it took
to generate its random number. The first device can then measure the total time for
the message exchange to take place and, based on knowledge of the transmission
20 speeds within the communication network can derive a value for the time the second
device took to generate the second data. This derived value can then be compared
with the time parameter value sent by the second device in order to determine if a
relay attack is occurring.
Preferably, determining the presence of the relay attack may comprise determining if
25 a difference between the time parameter and the further time parameter exceeds a
predetermined threshold.
A further communication may be received from the second device at the first device,
the further communication being over an encrypted channel and comprising the first
and second data and the time parameter.
30 Determining the presence of the relay attack may comprise checking if the first and
second data in the encrypted further communication match the first data sent in the
sending step and the second data received in the first receiving step. (The further
communication and the information contained therein allows the first device to verify
WO 2014/195501 PCT/EP2014/061911
5
that the first data it sent was received by the second device without interference by a
third party. Furthermore, the second data and time parameter are included within the
further communication to allow checking against the information received in the
(earlier) communication from the second device. This also allows the first device to
5 verify that there has been no interference in the communications with the second
device.)
The communication received from the second device further may comprise an
estimate, from the second device, of the total transmission time. The communication
received from the second device may also further comprise an estimate, from the
10 second device, of the time to send the communication from the second device over
the communications network to the first device.
The first device may comprise a point of interaction. The second device may
comprise a transaction device.
The transaction device according to the third aspect of the present invention may
15 comprise the transaction device according to the first aspect of the present
invention.
According to a fourth aspect of the present invention, there is provided a method of
detecting relay attacks between first and second devices in a communications
network, comprising: receiving first data from the first device at the second device;
20 generating second data at the second device; determining a time parameter related
to the generation of the second data; sending the second data and the time
parameter to the first device to enable the presence of a relay attack to be
determined.
According to a fifth aspect of the present invention, there is provided a point of
25 interaction arranged to detect relay attacks in a communications network between
the point of interaction and a transaction device, the point of interaction comprising
an input, an output and a processor and being arranged to: send first data from the
output to the transaction device; receive, at the input, a communication from the
transaction device, the communication comprising second data generated at the
30 transaction device and a time parameter related to the generation of the second
data; measure a total transmission time at the point of interaction between sending
the first data to receiving the communication; determine a further time parameter
related to the generation of the second data from the measured total transmission
WO 2014/195501 PCT/EP2014/061911
6
time; determine the presence of a relay attack between the point of interaction and
the transaction device in dependence on a comparison of the time parameter and
the further time parameter.
According to a sixth aspect of the present invention there is provided a transaction
5 device comprising: an input arranged to receive first data from a point of interaction;
processor arranged to generate second data and a time parameter related to the
generation of the second data; an output arranged to output a communication to the
point of interaction, the communication comprising the second data and the time
parameter.
10
According to a seventh aspect of the present invention there is provided a
transaction device for interacting with a point of interaction to carry out a transaction,
the device comprising: an input for receiving transaction data from the point of
interaction; a processor for processing received transaction data; an output for
outputting transaction data to the point of interaction wherein the processor
comprises a payment application for processing a transaction with the point of
interaction, the payment application being arranged to output transaction data
formatted according to a given data format; the processor comprises a
communication module functionally disposed between the input and output and the
payment application; and wherein the communication module is arranged to map
transaction data received via the input to the data format of the payment application
and is arranged to reformat transaction data output from the payment application to
a data format suitable for the point of interaction, the reformatted data output from
the payment application being sent to the point of interaction via the output.
15
20
25 The transaction device according to the present aspect of the invention comprises a
communication module which is disposed between the input/output on the one hand
and a payment application on the other hand. The communication module is
arranged to translate transaction data sent back and forth between the payment
application and a point of interaction (POI) into an appropriate data format.
30 Preferably the transaction device comprises an authentication module arranged to
establish a secure communication channel between the payment application and the
point of interaction.
WO 2014/195501 PCT/EP2014/061911
7
The device may comprise a plurality of payment applications. A single authentication
module may be shared between the plurality of payment applications. Alternatively,
each payment application may comprise an authentication module.
The transaction device may comprise a system environment module arranged to
5 determine whether a payment application is eligible for a given transaction. In the
event that the device comprises multiple payment applications, the system
environment module may be arranged to compile a list of eligible payment
applications for the given transaction.
The system environment module may be arranged to compare transaction data
received from the point of interaction and point-of-interaction functionality data
received from the point of interaction against functionality of each payment
application on the transaction device in order to determine eligible payment
applications.
10
According to an eighth aspect of the present invention there is provided a method of
15 a transaction device interacting with a point of interaction to carry out a transaction,
the device comprising an input for receiving transaction data from the point of
interaction; a processor for processing received transaction data; and an output for
outputting transaction data to the point of interaction, the processor comprising a
payment application for processing a transaction with the point of interaction, the
20 payment application being arranged to output transaction data formatted according
to a given data format, and the processor comprising a communication module
functionally disposed between the input and output and the payment application; the
method comprising: receiving transaction data at the input; mapping, at the
communication module, the transaction data received via the input to the data
25 format of the payment application; reformatting transaction data output from the
payment application to a data format suitable for the point of interaction, sending the
reformatted data output from the payment application to the point of interaction via
the output.
30 According to a ninth aspect of the present invention there is provided a method of a
point-of-interaction device carrying out a transaction with a transaction device, the
method comprising: sending a point-of-interaction message to the transaction
device, the point-of-interaction message comprising: a data request component, the
data request component relating to a data request from the point-of-interaction
WO 2014/195501 PCT/EP2014/061911
8
device to the transaction device for data relating to the transaction and a message
data component, the message data component relating to message data satisfying
a previous data request from the transaction device; receiving a transaction device
message from the transaction device, the transaction device message comprising: a
5 data request component, the data request component relating to a data request
from the transaction device to the point-of-interaction device for data relating to the
transaction and a message data component, the message data component relating
to message data satisfying the data request from the point-of-interaction device in
the point-of-interaction message; completing the transaction on the basis of the
10 exchanged messages.
The method according to the present aspect of the invention provides a method of
sending data messages between a point of interaction device (POI) and transaction
device. Such messages allow the POI to request the information it requires to
process a transaction and to respond to information that the transaction device
requires. In this manner only the information required (and requested) in order to
enable the transaction is exchanged which means that the communications between
the devices are optimised.
15
The method may comprise exchanging a plurality of messages with the transaction
device. The method may comprise sending further point of interaction messages
20 and receiving further transaction device messages.
The point of interaction device, when sending a further point of interaction message,
may be arranged to only enclose data objects that have been requested by the
transaction device in the data request component of the previous transaction device
message.
The point of interaction device, when sending a further point of interaction message,
may be arranged to enclose data objects in an order requested by the transaction
device in previous transaction message.
25
According to a tenth aspect of the present invention there is provided a method of a
transaction device carrying out a transaction with a point of interaction device, the
method comprising: sending a transaction device message to the point-of-interaction
device, the transaction device message comprising: a data request component, the
data request component relating to a data request from the transaction device to the
point-of-interaction message device for data relating to the transaction and a
30
WO 2014/195501 PCT/EP2014/061911
9
message data component, the message data component relating to message data
satisfying a previous data request from the point-of-interaction message device;
receiving a point-of-interaction message device message from the point-ofinteraction
message device, the point-of-interaction device message comprising: a
5 data request component, the data request component relating to a data request
from the point-of-interaction message device to the transaction device for data
relating to the transaction and a message data component, the message data
component relating to message data satisfying the data request from the transaction
device in the transaction device message; completing the transaction on the basis of
10 the exchanged messages.
The invention extends to a point of interaction (point of interaction device) and
transaction device arranged to carry out the methods of the ninth and tenth aspects
of the present invention.
According to an eleventh aspect of the present invention there is provided a
15 message exchanged between first and second devices during a transaction, the
message comprising: a data request component, the data request component
relating to a data request from the first device to the second device for data relating
to the transaction and a message data component, the message data component
relating to message data satisfying a previous data request from the second device.
20 The present aspect of the invention provides a message format for exchanging
messages between a point of interaction and a transaction device.
The message data component may comprise no data (e.g. the first message
exchange in a series of message exchanges may comprise a data request
component and an empty message data component [because there is no previous
25 message to reply to].
According to a twelfth aspect of the present invention there is provided a transaction
device comprising: an input and an output for communicating with a point of
interaction; a processor arranged to process transaction data with the point of
interaction, the processor being in communication with a data store wherein the
processor is arranged to store transaction data relating to a transaction in the data
store during the course of the transaction and, in response to an interruption in the
transaction with the point of interaction, is arranged to retrieve transaction data
30
WO 2014/195501 PCT/EP2014/061911
10
stored in the data store in order to resume the transaction with the point of
interaction when communications with the point of interaction are restored.
The transaction device according to the present aspect of the invention stores
transaction data during a transaction such that in the event of an interruption in the
5 transaction (e.g. power loss, device removal) the transaction data can be reloaded
when communications are restored.
The data store may comprise a non-volatile memory module. The non-volatile
memory module may comprise an EEPROM module. The non-volatile memory
module may comprise a secure element and the processor is arranged to store
10 transaction data in the secure element.
The processor may be arranged to clear the transaction data stored in the data store
following completion of a transaction.
The processor may be arranged to store one or more of the following transaction
data types: transaction amount, transaction items, data/time data, transaction
15 identifier.
The transaction device may further comprise a payment application for managing
the transaction on the transaction device, wherein the processor is arranged to store
transaction data in response to predetermined actions or decisions taken by the
payment application.
The processor may comprise a transaction device for interacting with a point of
interaction to carry out a transaction according to the seventh aspect of the present
invention.
20
According to further aspect of the invention there is provided a method of operating
a transaction device, the transaction device comprising: an input and an output for
communicating with a point of interaction and a processor arranged to process
transaction data with the point of interaction, the processor being in communication
with a data store, the method comprising: storing transaction data relating to a
transaction in the data store during the course of the transaction and, in response to
an interruption in the transaction with the point of interaction, retrieving transaction
data stored in the data store in order to resume the transaction with the point of
interaction.
25
30
WO 2014/195501 PCT/EP2014/061911
11
The invention extends to a carrier medium for carrying a computer readable code for
controlling a transaction device to carry out the method of any the second, third,
fourth, eighth, tenth and further aspects of the invention.
The invention extends to a non-transitory computer-readable storage medium
5 storing executable computer program instructions implementing any of the second,
third, fourth, eighth, tenth and further aspects of the invention.
In the above aspects of the present invention the transaction device may comprise a
bank transaction card or a mobile communications device comprising a secure
10 element. The point of interaction (POI) may comprise a point of sale terminal.
Brief Description of Figures
Embodiments of the invention will now be described, by way of example, with
reference to the accompanying Figures, of which:
15
Figure 1(a) is a schematic block diagram of a transaction device comprising an
integrated circuit chip;
Figure 1(b) is a schematic block diagram of the integrated circuit chip of Figure 1(a);
20
Figure 2 is a schematic block diagram of the modules in the transaction device of
Figure 1(a) according to an embodiment of the invention;
Figure 3 is a schematic block diagram of the modules in the transaction device of
25 Figure 1 (a) according to another embodiment of the invention;
Figure 4 is a schematic block diagram of a POI and a transaction device shown in
communication with each other;
30 Figure 5 is a schematic block diagram of a prior art integrated circuit chip;
WO 2014/195501 PCT/EP2014/061911
12
Figures 6(a) and (b) are example prior art dataflows between a POI and a
transaction device;
Figure 7 is a schematic block diagram of an integrated circuit chip according to an
embodiment of 5 the invention;
Figure 8 is a schematic block diagram of a message according to an embodiment of
the invention;
10 Figure 9 is a schematic block diagram of an example exchange of a plurality of
messages between a POI and a transaction device;
Figure 10(a) is a schematic block diagram of a transaction device comprising an
integrated circuit chip and an induction circuit;
15
Figure 10(b) is a schematic block diagram of the integrated circuit chip of
Figure 10(a)
Figure 11 is a flowchart of a process of carrying out a payment transaction
20 according to an embodiment of the invention;
Figure 12 is a representation showing a prior art derivation of a shared secret
between two parties;
Figure 13 is a flowchart of processes carried out by a POI and a transaction device
according to an embodiment of the invention;
25
Figure 14 is a dataflow between a POI and a transaction device according to an
embodiment of the invention;
30
Figure 15 is a schematic diagram of a POI and a transaction device;
Figures 16(a) and (b) are schematic block diagrams of normal environments in
which a POI and a transaction device operate;
35
WO 2014/195501 PCT/EP2014/061911
13
Figures 17(a) and (b) are schematic block diagrams of environments in which a POI
and a transaction device operate with a relay attack;
Figure 18 is a flowchart of the prior art process of determining whether a relay attack
5 is occurring in a payment transaction;
Figure 19 is an illustration of communication paths in a normal transaction and a
transaction with a relay attack;
10 Figure 20 is a schematic block diagram of a transaction device according to an
embodiment of the invention;
Figure 21 is an illustration of communication paths in a normal transaction and a
transaction with a relay attack according to an embodiment of the invention;
15
Figure 22 is a schematic block diagram of a Session Management Utility;
Figure 23 is a schematic block diagram of a Session Management Utility with an
Open CAL Signal;
20
Figure 24 is a schematic block diagram of a Session Management Utility with a
SendMsg CAL Data Exchange;
Figure 25 is a schematic block diagram of Protocol Data Unit serialization for ISO
25 7816-4;
Figure 26 is a schematic block diagram of Asynchronous Balanced Mode; and
Figure 27 is a schematic block diagram of multiple sessions and channels.
30
Detailed Description
In the following description the transaction device is a payer device that may take
many forms, e.g. a smartcard or another form factor like a mobile communications
device, keyfob.... The functional blocks that make up a transaction device may be
distributed; so part or all of the device may be implemented in the cloud.
35
WO 2014/195501 PCT/EP2014/061911
14
The Point of Interaction (POI) is a merchant device that may take many forms:
dedicated merchant terminal device, mobile phone, internet server.
Transaction 5 Device Architecture
A schematic of a transaction device in accordance with embodiments of the present
invention is shown in Figures 1(a) and 1(b).
10 In Figure 1(a), a bank payment card 100 is shown, the card 100 comprising an
integrated circuit element or transaction device 102. It is noted that although the
transaction device 102 is shown embodied in a payment card 100 here and in the
following description, the transaction device 102 may be embodied in alternative
configurations, e.g. within a mobile telecommunications device or a SIM module
15 within a mobile device.
The transaction device 102 is shown in further detail in Figure 1(b) and is seen to
comprise an input/output arrangement 104, a processor 106, a communications
connection 108 to one or more memory devices 110 and a secure element 112.
20
The secure element 112 is a secure memory and execution environment in which
application code and application data may be securely stored. The secure element
112 also provides an environment within which applications can be run and
encryption, decryption and signature functions can be performed. The secure
element 112 may be implemented by a separate secure circuit within the integrated
circuit or in a mobile device environment may be embedded within a SIM card or a
memory storage card that may be inserted into the mobile device. The secure
element 112 may also be used to store financial or user data.
25
30 A transaction device 102 according to an embodiment of the present invention
comprises a plurality of modules to carry out required payment transaction tasks
with a point of interaction (POI) 114 such as a payment terminal is shown in Figure
2. Figure 2 represents an example layout 120 of modules in a transaction device
102.
35
WO 2014/195501 PCT/EP2014/061911
15
In the example layout 120 of Figure 2, the transaction device 102 comprises a
plurality of payment applications 122 that exist inside a secure element 112, each of
which may use different payment protocols. It is noted that only one payment
application 122 and its corresponding payment protocol is required to complete a
5 payment transaction. The POI 114 can typically accept a plurality of different
payment protocols, however, there may only be one common payment protocol
used for a transaction between the plurality of payment applications 122 on the
transaction device 102 and the POI 114.
10 Another example of a module on the transaction device is an application
authentication manager (AAM) 124. The application authentication manager module
124 is configured to establish secure channels between the transaction device 102
and the POI 114, and comprises algorithms, keys 126 and public key certificates to
encrypt the data exchanged between them. In the arrangement shown in Figure 2
the AAM module 124 is shared between the various payment applications 122. In an
alternative arrangement 130 (see Figure 3), each payment application 122 may
have its own application authentication manager 124.
15
It is noted that in current electronic authorisation systems payment applications
contain their own version of AAM type logic and there is no separate AAM module
124 as in Figure 2 above. In current systems therefore there is no capability to
share AAM functionality.
20
The plurality of different payment applications 122 may format their inputs and
outputs differently to each other. In this case, a further module may be configured to
standardise inputs and outputs from the payment applications to conform with ISO
7816-4 related to electronic smart cards with integrated circuit chips. This module is
referred to as the communication abstraction layer 132 in Figures 2 and 3 above.
25
30 The communication abstraction layer 132 of the transaction device 102 may further
comprise a proxy 134 to form an extended communication abstraction layer (eCAL).
The transaction device 102 may be configured to interact with POIs 114 through one
of a plurality of communication protocols, non-limiting examples including near field
communication, USB, Wi-Fi, Bluetooth and mobile data services (e.g. GPRS, 3G,
LTE). Communications sent to/from the transaction device 102 to/from the POI 114
via these communications protocols may be mapped by the proxy 134 to/from the
35
WO 2014/195501 PCT/EP2014/061911
16
ISO 7816-4 standard. The communication abstraction layer 132 in turn may convert
the communications for the payment application. In alternative embodiments,
communications sent to/from the transaction device 102 to/from the POI 114 may be
mapped directly to the payment applications by the communications abstraction
5 layer 132 without the proxy.
As well as a payment application 122, the arrangements 120, 130 of Figures 2 and
3 respectively each comprise a payment related data application 136 which may be
arranged to manage non secure aspects of payment transaction, for example loyalty
points, offers and discount vouchers. The payment related data application 136 may
be operably connected to the payment application 122. The payment related data
application 136 may also communicate with the POI 114 directly and/or via the
payment application 122.
10
15 The system environment application 138 shown in the arrangement of Figure 2 (and
Figure 3) determines the list of payment applications 122 that may be eligible for a
particular transaction on the transaction device 102. For this purpose, it compares
the transaction information (e.g. transaction value, currency code, transaction type)
and POI capabilities (e.g. PIN pad, biometric scanners, offline/online verification)
received from the POI 114 against the requirements and preferences of the various
payment applications 122 on the transaction device 102.
20
For payment application selection, a service identifier list may be established by the
system environment application 138. The system environment application 138 may
be configured to establish its service identifier list in one of 25 three ways:
1. Static - the system environment application 138 is hard coded with different
service identifier list that it sends to the POI 114 based on the transaction
type. The benefit of this solution is that it is fast. However, it is not fully
accurate as, for example, a payment application 122 that has been blocked
would still be presented.
30
2. Shared memory between the system environment application 138 and
payment applications 122 - the system environment application 138 may
obtain information from the payment applications 122 (e.g. availability and/or
requirements) and compiles the service identifier list.
35
WO 2014/195501 PCT/EP2014/061911
17
3. Application programming interface - the payment applications 122 are
configured with interface protocols that the system environment application
138 accesses to obtain desired information. The system environment
application 138 may use this interface to provide details about the
transaction to the payment applications (e.g. transaction value, currency
code, transaction type) and retrieve the application properties. Using this
method, the list of applications may be built dynamically and takes into
account transaction details or any payment application internal status.
5
10
The dynamic methods 2 and 3 above could be executed only once or could be
executed several times during application selection. The system environment
application 138 would feed the different payment applications 122 with information
received from the POI 114, thus allowing the transaction device 102 to adjust its
availability and requirements and to ask for additional data - by means of a Kernel
Data Identifier List (discussed later). For applications that require additional data, the
system environment application 138 would compile the various requests into one
consolidated Kernel Data Identifier List per message it sends to the POI 114.
15
20
Payment applications 122 and the system environment application 138 may exist
either on the same integrated circuit chip or on separate integrated circuit chips.
Further, by separating the system environment application 138 and the payment
applications 122 onto different integrated circuit chips, it simplifies the ability to
change the configuration of the system environment. For example, if the transaction
device 102 was a mobile phone, then the system environment 138 could be run
from the main processor of the mobile phone which would be faster than the secure
element of the mobile phone containing the payment applications.
25
30
Similar to the system environment application 138 collecting information from the
different payment applications 122, a payment application 122 may collect
information from one of more payment related data applications 136 in one of three
ways:
35
WO 2014/195501 PCT/EP2014/061911
18
1. Static - the payment applications 122 is hard coded with payment related
data.
2. Shared memory between the payment related data application 136 and
payment applications 122 - the payment applications 122 may obtain
information from the payment related data application 136 (e.g. features
and/or requirements).
5
3. Application programming interface - the payment related data application
136 may be configured with interface protocols that the payment applications
122 access to obtain desired information. The payment applications 122 may
use this interface to provide details about the transaction to the payment
related data application(s) 136 and retrieve the application(s) properties.
Using this method, the payment related data can be built dynamically and
take into account transaction details or any payment application internal
status.
10
15
The dynamic methods 2 and 3 above could be executed only once or could be
executed several times during payment processing. The payment applications 122
would feed the payment related data application(s) 136 with information received
from the POI 114 and from payment related data application(s) on the POI, thus
allowing the payment related data application(s) 136 on the transaction device 102
to adjust to the current transaction and ask for additional data.
20
The system environment application 138, the payment applications 122, the
payment related data application 136, the application authentication manager 124
and the communication abstract layer modules 132 are now described in more
detail.
25
30 System environment application
The System Environment application module 138 may be arranged to determine the
list of payment applications 122 that are eligible for a particular transaction. For this
purpose, the system environment application 138 may compare the transaction
information (Amount, Currency Code, Transaction Type,...) 35 and terminal capabilities
WO 2014/195501 PCT/EP2014/061911
19
(PIN, offline/online,...) received from the POI 114 against the requirements and
preferences of the various payment applications on the transaction device 102.
Each payment application 122 on the transaction device 102 has its requirements
5 and preferences on cardholder verification (methods), authorization (methods:
online and/or offline) and additional services that are directly (cash advance,
currency conversion,...) or indirectly (loyalty, coupons, ticketing,...) linked to the
payment application 122.
10 The system environment application 138 does not contain secrets (PIN, keys,...) so
that there are no requirements for (hardware) protection to ensure confidentiality. It
is expected that common operating systems may guarantee the requirements on
integrity - so the system environment application 138 may be implemented in
regular micro-controllers. This includes smart cards but also the main processor of
15 mobile phones and PCs.
On a multi-application transaction device 102, the system environment module 138
is the point of entry for service discovery. The system environment module 138 is
called before the transaction takes place and gathers, from all other
modules/applications on the transaction device, their disposition about the
transaction. The disposition can be one or more of:
20
• Can process the transaction,
• Cannot process the transaction,
• Can offer additional services for this transaction (e.g. couponing, cash back
allowed...),
25
• Is a member of a "club" (meaning the cardholder has membership in a
special deal with certain merchants/acquirers)
30 The above functionality allows different usable payment (and other) applications on
the transaction device 102 to be offered to a transaction device user based on the
transaction details given by the point of interaction 114.
The system environment module 138, when triggered, gathers from all
modules/applications on the transaction device, both the services that 35 can be
WO 2014/195501 PCT/EP2014/061911
20
offered and the requirements for the transaction (e.g. requirements in terms of CVM,
transaction processing: online only, offline only,.....availability for this transaction,
5 This functionality allows offering to the cardholder the best options for the
transaction. The cardholder will be presented with a list of potential products,
dynamically updated, that can be used for the transaction, along with the additional
services per product.
For each application on the transaction device, the system environment module may
retrieve:
10
• Whether the application is available for the transaction
• Whether the application has specific requirements for the transaction, in
15 terms of CVM or authorization mode (e.g. offline only or online only).
• Whether additional services may be offered (e.g. cashback)
• Whether the application supports PRD
• The type of application (legacy application or payment application 122).
The collection of this information from payment applications 122 can be done in
20 different ways as described above.
Payment application
A payment application 122 is a card application that can transact with a POI 114.
Different payment systems may each develop their own version of a payment
application 122.
25
A payment application 122 may be identified and accessed through a Service
Identifier (SvID) and may comprise software (in permanent or non-volatile memory),
configuration data (in non-volatile memory) and transaction data (in volatile
memory). A payment application 122 may be implemented as a state machine.
30
In most cases, a payment application 122 will contain secrets (secret and/or private
keys) and resources (PIN, counters,...) that require a level of hardware protection
35 (for integrity and/or confidentiality). A payment application 122 may be implemented
WO 2014/195501 PCT/EP2014/061911
21
in full or partially in what is commonly referred to as a Secure Element 112. The
secure element 112 may be a smartcard, a UICC, an embedded Secure Element,
SD card (Secure Digital).
5 Parts of a payment application 122 may be implemented remotely from the terminal
or Point of Interaction (POI) 114 and may only expose a communication interface at
the POI 114 and have all other functionality implemented remotely.
It is noted that the system environment application 138 and payment applications
122 may run from different microcontrollers and a transaction device 102 may be an
integrated system or a distributed system.
10
The payment application 122 may support several functional blocks, such as:
15 • "Cardholder verification"
• Authorization
• Payment Related Data (PRD)
Cardholder verification is a mechanism that allows the transaction device to request
various forms of cardholder verification (CV) in sequence. Cardholder verification
data are captured on the point of interaction device or on the transaction device (e.g.
on a mobile phone) and may be verified by the transaction device 102 or with the
help of the issuer of the transaction device if there is an online message or by the
merchant.
20
25
Cardholder verification methods can be for instance:
• Offline PIN (verified by the transaction device),
• Online PIN (verified by the issuer)
• Signature (verified by the merchant)
30 • Match-on-card biometrics (e.g. fingerprints verified by the card),
The cardholder verification mechanism may be based on the exchange of the
following data in messages:
Card requested CVM: the transaction device 102 requests that a certain form of CV
data be captured on the point of interaction and that the corresponding CVM be
35
WO 2014/195501 PCT/EP2014/061911
22
processed (e.g. offline PIN capture to send to transaction device, online PIN capture
to send to the issuer).
Terminal CVM status: the point of interaction 114 informs the transaction device 102
5 on the status of the attempted CVM on the point of interaction (e.g. offline PIN
captured and thus provided to transaction device, PIN unknown to the cardholder
and so PIN entry has been by-passed, online PIN captured and thus prepared to be
sent to the issuer, fingerprints could not be captured, signature on receipt will be
verified by merchant,).
10
Transaction device CVM status: the transaction device 102 informs the point of
interaction on the status of the attempted CVM on the transaction device 102 (e.g.
offline PIN correct, offline PIN not correct, fingerprints verification successful, PIN
captured on mobile phone and successfully verified).
15
In consecutive messages between the transaction device 102 and the point of
interaction 114, the data above are exchanged until both the transaction device 102
and the point of interaction 114 agree that the CV has been successfully done or
not. This allows the transaction device 102 and the POI 114 to combine different
CVMs (for instance the transaction device 102 may first request offline PIN to be
done and then on top request signature to be done). It also allows the transaction
device 102 to dynamically adapt its requests based on the information from the point
of interaction (e.g. if fingerprints could not be captured then ask signature).
20
25 CRM - Authorization is a mechanism that allows a transaction device application to
accept the transaction offline, request online authorization or decline offline.
The decision process may take into account:
• various point of interaction parameters (e.g. transaction details and terminal
dispositions for the transaction)
• transaction device application internal parameters (e.g. offline counters)
• the outcome of the CVM processing
• PRD processing.
30
WO 2014/195501 PCT/EP2014/061911
23
In some transaction device applications, the logic used for the decision process may
be very simple. This would be the case typically for online only applications. Other
transaction device applications may use a complex logic to take the decision.
5 The transaction device application may compute a cryptogram for each of the 3
outcomes (decline, online, offline). This cryptogram may be verified by the issuer of
the transaction device. Some transaction device applications may need first to
decide on the authorization before delivering the cryptogram. Other transaction
device applications may deliver the cryptogram very early in the transaction and
10 would let the point of interaction use that cryptogram for different outcomes.
When an online authorization cryptogram has been delivered, some transaction
device applications may not require to remain in communication with the point of
interaction and this would be indicated. The transaction device 102 can then be
removed. Other transaction device applications may need to remain in
communication with the point of interaction 114. For instance:
• to complete CVM processing after online authorization
• to process issuer required actions indicated in the online response.
15
20 Legacy payment Application
A Legacy Application (LegApp) is a card application that can transact with an EMV
4.3 (contact) kernel or any of the C-x (contactless) kernels listed on the EMVCo
website (http://www.emvco.com/). Examples of legacy applications are CPA, M/Chip
25 Advance, PayPass-M-Chip, VSDC, qVSDC etc.
Payment related data application
The transaction device 102 may comprise a payment related data application
module 136 that is arranged to manage payment related data - such as loyalty,
couponing, ticketing - that interfaces with a one or more payment applications 122
on the transaction device 102.
30
The payment related data application module 136 may communicate with the POI
114 directly, use a payment application 122 to communicate with the POI 114 or use
a combination of both. If a payment related data application module 136 is running
35
WO 2014/195501 PCT/EP2014/061911
24
in parallel with a payment application module 122 and communicating with the POI
114, then it could use the communication services of the extended communication
abstraction layer 132.
5 Application Authentication Manager
The Application Authentication Manager (AAM) module 124 is a functional block or
software component in the transaction device 102 that payment applications 122
may use to set up a session key with the Secure Card Channel Manager (SCC
Manager) in the POI 114 and authenticate this session key towards the POI. The
AAM 124 and SCC Manager use this session key to protect (for authenticity,
integrity and confidentiality) the data exchanged between transaction device 102
10
and POI 114.
15 For this purpose, the AAM 124 may be a single software module (i.e. a library) on
the transaction device 102 that is accessible by the various payment applications
122 (see the layout 120 of Figure 2) or may be embedded in each payment
application 122 on the transaction device 102 (see the layout 130 of Figure 3).
20 For each payment application 122 that would like the session key to be
authenticated, these applications will provide AAM 124 with the public and private
ECC keypair (denoted as 126 in Figure 2. It is noted that for legibility feature 126
refers to only to public keys in Figure 2. It however be appreciated that feature 126
should be read as public and private key). This can be achieved by personalizing
this key pair into AAM 124 or providing AAM with the key pair through some
(proprietary) API.
25
If a transaction is done with a payment application that has (registered) an ECC
keypair, then the AAM 124 may calculate a blinding factor and use the blinded
public key (rQC) as input for the session 30 key derivation.
If the selected payment application 122 has no ECC keypair (registered), then the
AAM 124 may calculate a random number X to compute an ephemeral public key Qc
and use this key as material for the session key derivation. Either rQc or Qc may be
sent to the POI 114 (as the key is ephemeral, tracking is not possible and blinding
with r is not necessary).
35
WO 2014/195501 PCT/EP2014/061911
25
Extended Communication Abstraction Layer (eCAL)
A transaction device 102 may expose one or more communication interfaces
towards the POI 114, e.g. contact, contactless, USB, Wifi, Bluetooth, GPRS etc. To
5 make the payment application modules independent of the communication layer, the
transaction device 102 may include a communication abstraction layer 132.
Depending on the interface selected for completing a transactions, messages
exchanged with a POI 114 by the system environment application module 138 and
payment application modules 122 may be mapped to 7816-4 (for contact,
contactless), to TCP (for Wifi, Bluetooth) or to other protocols.
10
The functional blocks in the transaction device may use different interfaces for
communication. When the POI 114 is interacting with the system environment
application module 138 over Bluetooth, mapping of messages in the POI 114 and
the transaction device 102 may well be the same: both the POI 114 and the
transaction device 102 map the message for application selection onto Bluetooth.
When the POI 114 is then interacting with the payment application 122, the POI 114
may map the messages to Bluetooth. In the transaction device 102, these
messages are received on Bluetooth (e.g. in the main processor). Within the
transaction device 102, the proxy 134 may map the messages received over
Bluetooth onto 7816-4, for sending them to the payment application residing on a
secure element.
15
20
Figure 4 describes a transaction device 102 in communication with a POI 114 via
Bluetooth that implements the arrangement described above.
25
It is noted that the functionality of the eCAL is broadly equivalent to the functionality
of a communication abstraction layer 132 within the point of interaction.
30
Since the eCAL module within the transaction device 102 is broadly equivalent to
the Communication Abstraction Layer (CAL) 140 of the POI 114, the eCAL module
132 within the transaction device 102 may provide the following services related to
the communication with the transaction device:
35
Establishing and managing Level 1 communications session
WO 2014/195501 PCT/EP2014/061911
26
Mapping Level 2 (application layer) messages onto a Level 1 (transport layer)
protocol ('binding')
It is noted that as part of Level 1 (L1) connection management, the CAL 140 within
the point of interaction 114 is responsible for:
5
Establishing, maintaining, and terminating a connection with the transaction
device 102
Managing the interaction with the payment application 122 as a session,
including opening, pausing, resuming, and closing the application through a
10 signalling protocol
Within a session, allowing the exchange of messages
Once the session has been opened and a link has been set up, enabling either
side of the link to initiate transmission of messages
• Allowing several payment applications 122 - and therefore multiple sessions -
15 to run in parallel
The purpose of building in an explicit binding is to make the payment application 122
independent from the communication layer, so that the payment application can be
L1 agnostic.
It is assumed that the communication abstraction layer module 132 on the
transaction device will only need to bind to Level 1 lower layers that provide a
reliable communication protocol (ISO 7816-4, TCP,...) - so that CAL does not need
to provide a communication error detection and recovery mechanism.
20
25 For Level 1 connection management, the CAL makes use of
a Connection Management Utility, responsible for:
Activation and deactivation of one or more interfaces,
Opening and closing of channels,
30 Sending and receiving PDUs, and
Transaction device removal
Providing a symmetry mechanism so that payment applications may send
messages at any time (ABM = Asynchronous Balanced Mode...)
• a Link Management Utility, responsible for:
35 • Disassembly of messages from the upper layer into a series of L1 PDUs
WO 2014/195501 PCT/EP2014/061911
27
• Assembly of L1 PDUs into messages for the upper layer
a Session Management Utility, allowing
• several payment applications - and therefore multiple sessions - to run in
parallel
• opening, suspending, resuming, and closing 5 a session.
A Message Mapping Utility plugs the Connection Management Utility, Link
Management Utility, and Session Management Utility onto an existing Level 1
protocol, such as ISO 7816-4.
10 The proxy functionality of the eCAL comprises of transcoding PDU from one
technology (e.g. Bluetooth) to another technology (e.g. ISO 7816-4). This
transcoding has to be applied for the connection management, the link management
and the session management.
15 Data exchange between POI and transaction device
In current systems, payment transactions comprise processes wherein data must be
exchanged between a transaction device and a POI that are party to the payment
transaction. Figure 5 shows a general arrangement of a current transaction device
160. The transaction device comprises an input/output (I/O) module 162 and a
memory 166 each connected to a processor 164. The input/output module 162 is
used to perform data communications with the POI 114.
20
Typically, during payment transactions, the POI 114 issues requests for data (i.e.
commands) to the transaction device 160. These commands are received by the
input/output module 162 of the transaction device 160 and then communicated to
the processor 164 for processing. The processor 164 obtains the data from the
memory 166 to fulfil the command and responds to the POI 114 with the requested
data. In this way, the POI 114 communicates with the transaction device 160 in a
command driven approach.
25
30
For example, the payment transaction application selection process of ISO 7816,
allows the POI to define a preferred order of payment applications. As discussed
above with reference to Figures 2 and 3, the transaction device comprises a
35 plurality of payment applications 122. Figure 6(a) shows an example data flow 180
WO 2014/195501 PCT/EP2014/061911
28
to determine which payment application will be used for a payment transaction.
Once a channel is established between the POI 114 and the transaction device 160,
the POI 114 can send at step 182 an application selection command to the
transaction device 160. The application selection command comprises a command
5 that the transaction device 160 returns which payment applications are available.
The transaction device 160 determines at step 184 which payment applications are
available and returns a list (which can be prioritised to show the transaction device
preferences) at step 186 to the POI 114. The POI determines the payment
application it has in common with the transaction device that is the most preferred
10 by the transaction device.
Further, as current transaction devices 160 do not comprise sophisticated
processing capabilities, the transaction device 160 sends a Data Object List (DOL)
that is stored in the memory 166 to the POI 114 during a payment transaction. As
illustrated in the data flow 190 of Figure 6(b), the transaction device 160
communicates at step 192 its DOL to the POI 114. The DOL is a fixed request
issued by the transaction device 160 comprising instructions to the POI 114 with the
syntax the transaction device requires for the transaction data. The transaction data
that is formatted at step 194 in accordance with the DOL is sent at step 196 from the
POI 114 to the transaction device 160. The transaction data includes objects such
as a payment amount, currency and an acquirer identity.
15
20
The prior art transaction device 160 is configured to automatically process the
formatted transaction data when it is received from the POI 114 without any explicit
command to do so from the POI 114. The transaction data is parsed in a
predetermined way by the processor 164 of the transaction device 160 to retrieve
constituents of the transaction data. The transaction device 160 can then determine
at step 198 whether to approve or decline a payment transaction based on whether
the transaction data meets predetermined criteria. The decision of the transaction
device 160 is returned at step 200 to the POI 114. However, as the DOL is a fixed
list, data may be sent from the POI 114 to the transaction device 160 when parts of
it may not always be required to make the decision, or other potentially useful data
is omitted from the request. Additionally, the standardisation of the transaction data
can result in a loss in detail in the information received by the transaction device
114.
25
30
35
WO 2014/195501 PCT/EP2014/061911
29
Figure 7 shows a transaction device 220 according to an aspect of the present
invention. The transaction device 220 comprises an input/output (I/O) module 162, a
memory 166 and a message module 222 each connected to a processor 164. The
I/O module 162, the memory 166 and the processor 164 are substantially the same
5 as in the prior art transaction device 160. The message module 222 is arranged to
enable the transaction device 220 to increase control in the decisions made during
the payment transaction.
In the transaction device 220 of the present embodiment, the system environment
on the processor 164 is configured to communicate with the POI 114 using a data
driven approach to control aspects of the payment transaction such as payment
application selection. The POI 114 initiates the data driven communications with the
transaction device by sending an initial set of data and a request for data which the
payment device responds to. For example, this allows the transaction device 220 to
negotiate with the POI 114 which payment application will be used for a payment
transaction. This allows the transaction device 220 to prioritise preferred payment
applications that are more secure or faster for the specific transaction (e.g. prioritize
applications differently based on the amount, the terminal country code,...).
10
15
20 In the transaction device 220 according to embodiments of the present invention,
the payment applications of the transaction device 220 may exchange data with the
POI 114 through a plurality of Messages. A Message may include a Data Identifier
List (DIL) i.e. a list of data requested from the other device, as well as the data
objects requested by the other device. The plurality of Messages may each have a
structure comprising two parts: a DIL and the Message Data. This flexible
mechanism allows both the transaction device 220 and POI 114 to choose
dynamically which data they need from each other.
25
The DIL issued by the transaction device 220, called a Kernel Data Identifier List
(KDIL), allows it to request for data to get a better view on the payment transaction
and make better decisions. Using a KDIL, the transaction device 220 may request
simple data objects and list of data objects, and may do so repeatedly until it has
sufficient information to make a decision.
30
The benefit of using DILs is that the payment transaction 220 may become more
secure as both the transaction device 220 as well as the POI 114 have the ability to
35
WO 2014/195501 PCT/EP2014/061911
30
dynamically request the specific data they need to make decisions about the
payment transaction. Using DILs is also faster as only the data required for a
decision are requested and communicated whereas with a DOL all data is
requested and communicated.
5
At the application layer of the processor 164, the transaction device 220 and the POI
114 exchange data through Messages. A Message may comprise a two part
structure, including a Data Identifier List (DIL) comprising a list of data requested
from the other device, as well as Message Data (the data objects requested by the
other device). This flexible mechanism allows both the transaction device 220 and
the POI 114 to choose dynamically which data they need from each other. Figure 8
shows the structure of a Message 230 sent from the POI 114 to the transaction
device comprising a Card Data Identifier List (CDIL). Messages from the transaction
device to the POI are substantially the same with a Kernel Data Identifier List (KDIL)
10
15 replacing the CDIL.
In Figure 8, the Card Data Identifier List field (illustrated by a dashed box labelled
232) is a list of data identifiers that lists the data requested from the receiver of the
message. The receiver of the Message 230 can provide the corresponding data
elements in the next Message. The Data Identifier List may be empty (length is 0) if
no data is requested from the receiver of the message. The following are examples
of DILs that may be used during a payment transaction.
20
CDIL - a Message to an application on the transaction device, the purpose of this
25 type of Message is to identify data requested by the POI from the application.
KDIL - a Message to the POI, the purpose of this type of Message is to identify data
requested by the transaction device from the POI.
In Figure 8, the message data field (illustrated by a dashed box labelled 234)
contains all the data provided by the sender. These data have been requested by
the receiver in the previous message. The CDIL, KDIL, message data field and
individual data in the message data field are provided with an assigned identifier
(IDCDIL, IDKDIL, IDIMD and IDx) and length (LCDIL, LKDIL, LMD, LX).
30
35
Figure 9 shows an example exchange 240 of Messages between a POI 114 and a
transaction device 220.
WO 2014/195501 PCT/EP2014/061911
31
The Messages mechanism is very flexible as it does not require predetermined logic
in the message module 222 of the transaction device 220. Simple transaction
devices 220 would not require many Message exchanges with the POI 114 (e.g.
5 online only transaction devices). Using the same system, other transaction device
220 could request a lot of information from the POI 114 and the transaction devices
220 can adapt, after receiving information from the POI 114, their internal status
(e.g. how much money the cardholder has spent since the last contact with the
issuer) and can then decide on their next request or transaction disposition (online,
10 approved, declined).
Lists of data objects
There is a significant difference between application selection and payment as far as
the exchange of data objects is concerned and the impact this has on the DIL
mechanism.
15
For the payment application
currency code, acquirer ID, etc. have been determined in the application selection
phase. The DILs of the payment application (of the POI and the transaction device)
will ask for single data objects.
each data object generally has a unique value:
20
For application selection, there may be a mixture of 'lists of data objects' (e.g. a list
of service identifiers (SvlDs), each SvID with its requirements on CVM,
authorization) and single data objects (e.g. Country Code, 25 Currency Code).
In the present invention, the data objects that exist as single data objects and the
data objects that exist as lists are explicitly identified. If a data object exists as a list,
it may be defined as a combined list for the transaction device (i.e for all the SvlDs
of the payment applications) or as a detailed list (i.e. per SvID per payment
application), with the detailed list including the dependencies on values of other data
objects.
30
Detailed lists and the dependencies included in Messages are limited to what is
35 common in the market. If there is a need for detailed lists or dependencies others
WO 2014/195501 PCT/EP2014/061911
32
than those specified, these can be covered through payment-related data
processing.
Rules around messages
5
1. At the start of the payment application, the POI 114 has a set of default data
objects that it sends to the transaction device 220 in the first message. The
maximum length of this set has to be defined (in combination with the length
of the CDIL).
10
The remainder of the message exchange is DIL driven.
2. The transaction device 220 and the POI 114 only send the data objects that
are requested in the CDIL and KDIL respectively and in the order as they
were requested. Transaction device 220 and POI 114 can add their KDIL
and CDIL respectively before or after these data objects but not in between
(i.e. cannot interleave).
15
3. In the first message exchange, the POI 114 and the transaction device 220
may ask for all data objects required to complete the payment transaction i.e.
CDIL and KDIL of the first message exchange include the full list of data
objects requested. Data objects related to CVM are a notable exception to
this rule and special precautions need to be taken for CVM during the
payment application - because of multiple CVMs and the possibility of human
error.
20
25
4. There is a defined set of 'list of data objects' and each list exists in two
flavours: a combined list and a detailed list. The detailed list includes the
dependencies on other data objects.
30
5. For data objects that also exists as 'list of data objects' (e.g.
emv.tx.AcquirerlD and emv.tx.AcquirerlDList.abc - with abc equal to
Combined or Detailed)
During application selection, DILs will include the identifier of the 'list of data
objects' requested (e.g. emv.tx.AcquirerlDList.abc)
35
WO 2014/195501 PCT/EP2014/061911
33
During payment processing, DILS will include the identifier of the 'data
object' requested (e.g. emv.tx.AcquirerlD).
6. A data object is either known or unknown. A known data object can have a
qualifier to indicate that its final value is not decided yet.
5
7. If a known data object with such a qualifier is requested in a DIL, the qualifier
is returned with the data object. The absence of this qualifier indicates that
the value of the data object is final. Alternatively the qualifier may indicate
that the value of the data object is final.
10
8. If a requested data object is unknown, it is returned with a length equal to
zero and without qualifier (and hence value is final). Alternatively the qualifier
15 may indicate that the value of the data object is unknown.
9. A requested data object that is not decided yet may be asked for again.
20 10. A requested data object that is returned with its final value must not be asked
for again i.e. it must not be included in a subsequent DIL.
11. A requested object that is returned with a temporary value may be asked for
again i.e. it may be included in a subsequent DIL. If not asked for in a
subsequent DIL request, the data object must not be returned. Data objects
that have temporary values must be known in advance by the receiver.
Which data objects have a temporary value is part of the design of the
payment solution and all parties must agree on them.
25
30
12. For payment processing, if the transaction device 220 and the POI 114 have
agreed on online as disposition, there may be additional message
exchanges to deal with the issuer blob (excluding the message exchanges
35 required for CVM processing from this count).
WO 2014/195501 PCT/EP2014/061911
34
Loss of Power to Transaction Device
Figures 10(a) and 10(b) show an example of a transaction device 260 that is
embodied on a credit card style bank card 262.
5
The transaction device 260 comprises an integrated circuit which, in turn, comprises
the architecture described above in relation to the transaction device in accordance
with embodiments of the present invention.
10 It is noted that the transaction device 260 may not comprise an internal power
source. In such a case during transactions power is therefore supplied from a point
of interaction (POI) 114, e.g. from a card payment terminal. The supply of power
may be via a plurality of contact terminals on the integrated circuit, e.g. contact
points 264 in Figure 10(a).
15
Alternatively, the transaction device 260 may be configured for contactless operation
in which it may be brought into close proximity with a POI. In such an instance
power may be derived via inductive coupling from an electromagnetic signal sent
from the POI 114. In a contactless device the transaction device 260 comprises an
antenna consisting of one or more wires 266 embedded within the structure of the
transaction device 260. These wires 266 serve as an antenna for both
communication with the POI 114 and as a power source.
20
An exemplary architecture within the transaction device 260 is shown in Figure
10(b). The transaction device 260 comprises a power source module 270 (this may
be in communication with the contact terminal 264 and/or the antenna arrangement
266) which is in communication with an input/output control module 272. The I/O
module 272 is in turn in communication with a processor module 274 which carries
the architectural components described above in relation to Figures 2 and 3.
25
30
The transaction device 260 may further comprise one or more memory modules. As
shown in Figure 10(b) the device comprises a random access memory (RAM) 276,
a read only memory (ROM) 278 and a non-volatile memory (NVM) 280. The NVM
module 280 may comprise an EEPROM module which is a memory arrangement
capable of retaining stored data when power to the circuit 35 is removed.
WO 2014/195501 PCT/EP2014/061911
35
In accordance with an embodiment of the invention there is provided a method of
communicating with a point of interaction 114 that mitigates against power/data loss.
Turning the process 300 of Figure 11, in step 302, the transaction device 260 and
5 POI 114 initiate a communication exchange. Such an exchange may be initiated on
insertion of a transaction device 260 into a POI 114 device or upon the introduction
of a transaction device 260 into the field of operation of a contactless payment
terminal.
Initiation of the communication exchange corresponds to the supply of power to the
transaction device 260 from the POI 114 via one of the methods described above.
10
In step 304 the transaction device 260 (the payment applications on the transaction
device) may check whether there are any aborted or incomplete payments recorded
15 within the non-volatile memory 280.
If there are no aborted or incomplete transactions detailed in the non-volatile
memory 280 then the transaction device 260 moves directly to step 308.
If the transaction device 260, however, determines at step 304 that there are
aborted or incomplete transactions then in step 306 it first reloads the transaction
data associated with the aborted/incomplete transactions (this transaction data for a
specific transaction may also be referred to as "contextual data") and then moves to
step 308.
20
25
In step 308 the payment application that has been activated interacts with the point
of interaction via the application authentication manager.
In the course of the transaction interaction, transaction related data is generated
(step 310). Such data may comprise message exchanges, data identifying the
transaction (e.g. transaction amount, transaction items, date/time data, a transaction
identifier etc.)
30
After predetermined actions or decisions from the payment application, in step 312
35 the transaction data generated in step 310 is stored in the non-volatile memory 280.
WO 2014/195501 PCT/EP2014/061911
36
Once the transaction has been completed, the transaction device 260, in step 314,
clears the non-volatile memory 280 of stored transaction data.
In the event that the interaction between the transaction device 260 and the POI 114
5 suffers a power loss or data communication failure (event 316) then the transaction
would be suspended until communication between the transaction device 260 and
POI 114 was re-established.
The transaction process would in such an instance effectively return to step 302 in
which the transaction device 260 and POI 114 initiate (or "re-initiate")
communication. The transaction device 260 can then check, at step 304, for
incomplete transactions and reload at step 304 the transaction data in order to
resume the transaction.
10
It is noted that the transaction recovery method described above has the effect of
reducing transaction duration following an aborted transaction.
15
Storage of the transaction data during the transaction into the non-volatile memory
280 also helps mitigate against undesired updates in the transaction device 260 (for
example, if the transaction device had already updated offline counters but the
transaction was then aborted, reloading the stored data would prevent updating the
offline counters for a second time, while only one transaction completed).
20
It is noted that power/data communication may be interrupted if the transaction
device 260 is removed from the field of the POI 114 reader during a transaction (e.g.
contactless card is not held within the contactless field of operation or the
transaction device is removed too early from a POI reader).
25
The non-volatile memory 280 may comprise an encrypted portion and the
30 transaction data may be stored within the encrypted portion.
Privacy of Public Key
In a payment system infrastructure in which a user uses a transaction device 102
(e.g. their integrated chip bank card) in a plurality of points of interaction 114 (POIs,
e.g. card terminals) there exists the possibility that a unique identifier associated
35
WO 2014/195501 PCT/EP2014/061911
37
with the transaction device 102 could be tracked through the various POI
interactions which may have implications for the privacy of the transaction device
user.
5 When a transaction device 102 interacts with a POI 114, a payment application 122
on the transaction device 102 establishes a secure channel with the POI 114 so that
transaction details and transaction device-holder identify information can be
exchanged without being overheard or intercepted by an eavesdropper.
10 The architecture of a transaction device 102 in accordance with this aspect of the
invention is described above in relation to Figures 1(a), 1(b), 2 and 3. One method
of exchanging a secure channel may be achieved by the application authentication
manager module using an Elliptic Curve Diffie-Hellman key exchange, an Elliptic
Curve Digital Signature Algorithm or a Schnorr signature algorithm.
15
The operation of the Diffie-Hellman key exchange is detailed below in conjunction
with Figure 12.
The Diffie-Hellman key exchange protocol establishes a shared secret between two
or more parties that can subsequently be used for secret communications over a
communications channel. As can be seen in Figure 12, Alice 340 and Bob 342 each
have a private piece of information 346 and a shared piece of information 348.
20
They each combine their private information with the shared information 350 and
then exchange this combined data at 352. It is assumed that it is computationally
expensive to recover the private information from the combined data.
25
Each of Alice 340 and Bob 342 can then combine their private information with the
combined data they have received at 354. This results in a shared piece of
30 information, the shared secret 356.
For transaction devices 102 that comprise a registered public-private key pair and in
order to minimise processing that needs to be carried out locally on the transaction
device the Application Authentication manager (AAM) 124 may store a certified
public key 126 (registered). This public key 126 may be used in setting up a channel
between the transaction device 102 and the POI 114. Since the public key 126 is a
35
WO 2014/195501 PCT/EP2014/061911
38
static piece of data, however, it may be possible to track the use of the transaction
device 102. It is noted that the transaction details would not be at risk and the
cardholder identity would not be exposed but the use of the static public key 126
data may nevertheless allow the transaction device 102 to be tracked.
5
The present invention proposes an optimised version of the Diffie-Hellman
exchange which addresses this issue.
In the present invention the application authentication manager 124 of the
transaction device 102 may "blind" the static public key 126 with a randomly chosen
factor. The use of a random factor means that it is not possible (or at the very least
more difficult) to track the use of the transaction device 102 by tracking the
communications issuing from the transaction device 102.
10
15 During the establishment of the secure channel the random factor is used twice by
the transaction device 102, the first time is to blind the outgoing data the transaction
device 102 sends to the POI 114 and the second time is on the data received from
the POI 114 during channel establishment. As explained below this enables the POI
114 and the transaction device 102 to arrive at a shared secret/shared key which
can then be used for 20 subsequent communications.
The establishment of a secure channel is now described in accordance with the
process flow 380 depicted in Figure 13, the data exchange flow 382 depicted in
Figure 14 and the transaction device/POl arrangement 384 of Figure 15. Figure 15
shows a POI 114 and a transaction device 102. The transaction device 102 is
configured to communicate with the POI 114 through a direct physical connection or
using a 'contactless' induction connection.
25
The transaction device 102 comprises a public key 126, Qc that is stored in the AAM
124. The public key 126 is the product of a private key, dc, and a point, G, on a
curve which is part of an elliptic curve group (i.e. Qc = dc • G). The private key is also
stored on the transaction device within the AAM 124. It is noted that point G is also
known to the POI 114 (the transaction device 102 and the POI 114 know the
parameter G prior to the transaction occurring as this is a defined parameter of the
overall transaction system).
30
35
WO 2014/195501 PCT/EP2014/061911
39
Turning to Figures 13 and 14, in step 400 the transaction device 102 and POi 114
initiate a handshake communication indicating that a transaction is to be made. This
may comprise inserting the transaction device 102 into a reader module associated
with the POI 114 (e.g. inserting a chip-and-PIN card into a card terminal) or bringing
5 a near field communication (NFC) enabled chip into proximity with an NFC reader.
Once the transaction device 102 and POI 114 know that a transaction is to be made
then they begin the process of setting up a secure channel.
10 The transaction device 102 comprises a random number generator (within the AAM
124) and in step 402 the transaction device generates a random blinding integer r.
In step 404 the transaction device 102, computes R where R = r • Qc and then in
Step 406 sends this value to the POI 114.
15
The POI 114 may, in Step 408, generate an ephemeral private key dt and then
generate, in step 410, an ephemeral public key Qt where Qt = dt • G.
The ephemeral public key Qt may then be sent to the transaction device in Step
20 412.
In Step 414, the transaction device 102 receives the public key Qt from the POI 114
and uses this in Step 416 to generate the shared secret quantity rdcd^G.
In Step 418 the POI 114 receives quality R from the transaction device 102 and
uses this in Step 420 to generate the secret quantity rdtdc'G.
25
Following Steps 416 and 420, the POI 114 and transaction device 102 are in
possession of a common shared secret. This can be used to compute a key K
30 where Kc = ^rdc'Qt) and Kt^drR), Kc being equal to Kt.
The key K is therefore a shared K and this may be used in subsequent
communications, step 422, to enable a secure communications channel to be used.
Subsequent communications may use the authenticated encryption algorithm with
35 Kc for the card (transaction device 102) and Kt for the terminal (POI 114).
WO 2014/195501 PCT/EP2014/061911
40
It is noted that although steps 404 to 406 are described as preceding steps 408 to
412 above, the POI 114 may in fact calculate its public key, Qt, and share this with
the transaction device 102 before the transaction device 102 calculates quantity R.
5 Further, in Figure 13, whilst step 412 is illustrated to occur before step 406, it is to
be understood that in other embodiments, step 406 may occur before or
simultaneously to step 412.
As a further alternative, following the handshake communication in step 400, the
transaction device 102 and the POI 114 may calculate R and Qt substantially in
parallel and then exchange in steps 406/412 and 414/418.
10
In order for the POI 114 to verify that the transaction device 102 is authentic, the
transaction device 102 may, in step 424 send its public key 126 (now being sent
over the secure channel and so not traceable by an eavesdropper), public key
certificates and the blinding factor r generated in step 402 to the POI 114. The POI
114 receives this information in Step 426 and authenticates the transaction device in
step 428.
15
It is noted that the authentication process in step 428 above comprises a number of
actions such as: the POI 114 verifying a certificate chain associated with the
transaction device 102 (this authenticates Qc) which ensures that a transaction
device 102 with such a public key exists and is registered to the overall transaction
system; the POI 114 may verify that R = r • Qc and thereby link Qc with the shared
secret; and the POI 114 may verify the message authentication code (MAC) on
messages received from the transaction device 102 (this step ensures that the
transaction device is actually the transaction device since the MAC is linked to the
private key of the transaction device and the shared secret).
20
25
Subsequent communication between the transaction device 102 and the POI 114
may in step 430 use an authenticated encryption algorithm with key Kc for the
transaction 102 device and key Kt for the POI 114.
30
It is noted that steps 424, 426 and 428 may be omitted, either deliberately or
because the transaction device 102 is not associated with a registered/certified
public key, in which case the communication channel in step 430 would be secure
35
WO 2014/195501 PCT/EP2014/061911
41
but the POI 114 would not be able to authenticate the transaction device 102. It is
noted that some transactions may be low risk or may not need the POI 114 to certify
the public key 126. Therefore a payment application 122 may send its certified key
to the POI 114 for certain transactions and not for other transactions. For example,
5 for a POI 114 that operates in an online mode only (e.g. an ATM), during a
transaction the issuer of the transaction card may authenticate the transaction
device 102 and the cardholder. In this example, the authentication is performed by
the issuer rather than the POI 114.
As noted above applying the Blinded Diffie-Hellman algorithm to establish the
secure channel between the transaction device 102 and the POI 114 means that an
observer of the key exchange will not see the public key 126 of the payment
application 122 and will not be able to track the payment application/transaction
device using that static public key.
10
15
The strength of the algorithm may be altered by changing the size of the blinding
factor, r. If a short length blinding factor is used then an attacker still cannot directly
observe the public key 126 but, at the cost of significant computation, may still be
able to track the transaction device 102. If the size of the blinding factor is
increased, these attacks become impractical. The size of the blinding factor
therefore represents a transaction device 102 specific tradeoff between the need for
privacy and an increased transaction time. A transaction device issuer may choose
an appropriate level of privacy as needs dictate.
20
If a payment application 122 has no certified public key (registered), the application
authentication manager 124 may use a random number instead of the private key
and the public key certificate would not be sent to the POI 114. Alternatively, the
public key certificate may be sent as an identifier with zero length value.
25
A typical transaction device 102 and point of interaction 114 arrangement 384 is
shown in Figure 15. In this example the transaction device 102 is in the form of a
combined contact and contactless bank card 450 and the point of interaction 114 is
a point of sale terminal. The card 450 may either be inserted into the slot 452 on the
terminal or touched to the near field communication logo displayed on the screen
454 of the terminal.
30
35
WO 2014/195501 PCT/EP2014/061911
42
In other embodiments, the application authentication manager 124 may use a
variant of the Station-to-Station protocol, namely a one sided Station-to-Station
protocol. Blinded Diffie-Hellman has benefits over other techniques such as one
sided Station-to-Station. Firstly, if key derivation is done using a block cipher to hash
5 the point on the elliptic curve, then no hash mechanism is needed on the transaction
device itself. Secondly, the use of ephemeral keys for the key establishment rather
than the transaction device certificate means that strong side channel defences are
not needed in the transaction device. Thirdly, Blinded Diffie-Hellman is faster than
Station-to-Station and is simpler to perform, this is of particular advantage as the
10 transaction device may have limited system resources.
The Station to Station protocol would be carried out as below:
1. Transaction device 102 generates ephemeral private key dx
2. Transaction device 102 generates ephemeral public key Qx = dx • G
15 3. Transaction device 102 sends Qx to POI 114
4. POI 114 generates ephemeral private key dt
5. POI 114 generates ephemeral public key Qt = dt • G
6. POI 114 computes key Kt = f(dt • Qx)
7. POI 114 sends Qt || Alg(Kt)[ Qt || Qx] to transaction device 102, where Alg() is
20 authenticated encryption
8. Transaction device 102 computes key Kc = f(dx • Qt)
Subsequent communications use the authenticated encryption algorithm with key Kc
for the transaction device 102 and Kt for the POI 114
Transaction device 102 sends certified public key and certificates and cardsigned
Qx || Qt to terminal.
POI 114 authenticates transaction device public key 126 using the
certificates and validates card-signed Qx || Qt.
25 9.
10.
30 After each transaction, the following sensitive data need to be erased by the AAM:
1. Transaction device 102 computed blinding factor or ephemeral key
2. Kc and session keys derived from it
Prevention of Relay Attacks
35
WO 2014/195501 PCT/EP2014/061911
43
Figure 16(a) shows an example environment 470 in an embodiment of an aspect of
the invention. A transaction device 472 is shown connected to a point of interaction
(POI) 114. The POI 114 and transaction device 472 are temporarily connected for
the purposes of carrying out a payment transaction. The POI 114 is operatively
connected to a communications network 476. The communications network 476
allows two way data transfer between any of the entities connected to it. For
example, the communications network 476 may be a local area network, wide area
network or the Internet.
5
A transaction processing system 478 is also operatively connected to the
communications network 476. The transaction processing system 478 is arranged to
record payment transactions carried out between the transaction device 472 and the
POI 114 and may also be used to authenticate and verify payment transactions.
10
15 Figure 16(b) shows an alternative example environment 480 whereby the
transaction device 472 is connected to the communications network 476. In order to
carry out a payment transaction, the transaction device 472 temporarily connects to
the POI 114 via the communications network 476.
20 Fraud prevention is an important consideration in electronic authentication systems.
One type of fraud that can potentially threaten the integrity of payment transaction
systems is a relay attack. Relay attacks are described in more detail in GB
2462648A which discusses a method of preventing relay attacks between
transaction devices and POIs.
25
Figures 17(a) and 17(b) show the environments of Figures 16(a) and 16(b) as
environments 482 and 484 respectively, with the additional of a relay attack device
486 intercepting communications between the transaction device 472 and the POI
114.
30
In summary, the method of GB 2462648A requires the POI 114 to send to the
transaction device 472 a random number, UNp, and the transaction device 472
returns a different random number, UNc. The method requires that the random
number exchange between the POI 114 and the transaction device 472 occurs in
the shortest possible time. The transaction device 472 subsequently includes both
random numbers in its digital signature. If the response time for the random number
35
WO 2014/195501 PCT/EP2014/061911
44
exchange is carried out within a predetermined limit and the transaction device 472
correctly uses both random numbers, the POI 114 is configured to trust that a relay
attack is not occurring. This method is shown in the process 490 of Figure 18.
5 A relay attack by a relay attack device 486 would introduce latency due to the
additional receiving and sending communications by the relay and hence the
response time taken for the random number exchange would be increased to
beyond the predetermined time limit. In Figure 19, the response time taken for the
random number exchange is represented by the total length of the arrows 520 in
10 both step 1 and step 2 for the normal transaction 522, and the arrows 524 in the
transaction with the relay attack 526.
However, the method outlined in GB 2462648A is not completely secure against
detecting relay attacks, particularly with the growing availability of near field
communication devices (NFC) which could be used as relay attack devices 486.
NFC devices such as some mobile phones, if they are fast enough to do a relay
attack, make it easy to create a relay attack as only specialised software would be
required and no specific hardware is needed. Also as networks get faster, the
latency introduced by mobile phones decreases and thus relay attacks become less
easily to detect.
15
20
Further, the method relies on the communication between the transaction device
472 and POI 114 to be very quick (and the predetermined time limit is set
accordingly) but the communication time is governed by two factors; transmission
time and processing time. Both the transmission times using different
communication protocols and the processing time of the devices can vary greatly.
These factors could increase the total response time to beyond the predetermined
limit allowed by the POI 114, even when the transaction device 472 is attempting to
perform a legitimate transaction, or require a predetermined limit that is too high to
prevent detecting relay attacks.
25
30
If a relay attack is occurring it may be perceived either as an increase in the
transmission time or as an increase in the processing time taken by the transaction
device. As in the description below, the expected data transmission time is
subtracted from the overall measured time to determine the 35 processing time taken,
WO 2014/195501 PCT/EP2014/061911
45
any relay attack will result in the determined processing time increasing. This
increase is used to detect the relay attack.
The processing time of the transaction device also depends on the function it is
5 carrying out, whereas the transmission time should remain fairly constant for a given
payment transaction.
Figure 20 shows a transaction device 472 according to an aspect of the present
invention. The transaction device 472 comprises an input/output module 550, a
timer 552 and an unpredictable number generator 554 each connected to a
processor 556.
10
The timer 552 is used to determine the processing time required by the
unpredictable number generator 554 to generate the unpredictable (i.e. random)
number. The transaction device 472 may also return the processing time for the
random number exchange and an estimate of the time that the transaction device
expects that it should take to transmit the data (i.e. the latency). The POI 114 may
also be configured to measure the baud rate of the communication protocol in use
and determine an expected transmission time for comparison with the reported
transmission time. The POI 114 may be configured to measure the total response
time, remove the transmission times and determine the processing time. If the
measured and expected processing times differ by less than a predetermined
threshold, then the POI 114 may be configured to trust that a relay attack is not
occurring. Figure 21 highlights the processing time, Tc, taken by the card as part of
the total response time in the transactions of 522 and 526.
15
20
25
Transaction devices 472 may not have the capability to accurately measure time.
Therefore, in other embodiments, the transaction device 472 may provide an
estimated processing time based on its internal processing clock. The internal
processing clock may be influenced by the attacker, may vary for different
transaction devices and also, in the case of contactless integrated circuit chip cards,
may vary depending on the power the received from the POI 114. In this case, the
transaction device 472 may send a maximum possible and minimum possible value
of processing time in the return communication of Step 2 in Figure 21.
30
35
WO 2014/195501 PCT/EP2014/061911
46
The POI 114 may also compare the actual processing time determined from the
response time measurement and the transmission time to the minimum processing
time that the device reports is possible and if the difference exceeds a POI
threshold, the POI 114 may decide that it cannot be sure of the absence of a relay
5 attack and refer the transaction to the Issuer. The POI 114 determined processing
time and the transaction device 472 reported times would be communicated to the
issuer so that it may make a decision.
A further benefit of sending processing time is that even with a fixed hardware
configuration, the processor 556 of the transaction device 472 may be carrying out
other tasks unrelated to the payment transaction. For example if the transaction
device 472 was also a mobile phone and was performing other activities at the same
time. In this example, the transaction device 472 would report to the POI 114 in the
random number exchange that its processing time was long but this would not affect
the function of the POI 114 to determine and compare the processing times and
determine whether or not a relay attack is occurring if the processing time exceeds
that reported by the transaction device 472.
10
15
It may also be the case that transmission errors may occur or unrelated processing
in the transaction device 472 may occur which is not reflected in the transaction
times communicated which results in the maximum measured processing time
exceeding the transaction device's stated maximum. To prevent this and still permit
a relay attack to be detected the POI 114 may be permitted a number of attempts.
This would be limited by both POI 114 and transaction device 472 but would
significantly improve reliability. A suitable limit might be three attempts, in the same
way that the error correction protocols in contactless communications permit up to
three attempts at recovery. It is important that each attempt use different random
values.
20
25
30 eCAL
The utilities in the Communication Abstraction Layer (CAL) are discussed in more
detail in the remainder of the description below, by way of example only, including
the role of the proxy and proposes an implementing of the Mapping Utility for ISO
35 7816-4.
WO 2014/195501 PCT/EP2014/061911
47
Communication Abstraction Layer (CAD
This section describes each Utility of the CAL functionality in more detail. The
following notation is used:
• SvID identifies the product (and is equal to the AID/ADF Name when 7816-4
is used).
• IntfID is the identifier of a communication technology (e.g. contact,
contactless, Wi-Fi etc.); so List of IntfID is the list of communication
technologies.
• SessID is the session identifier (as seen by the lower layers) as well as the
application handle (as seen by the upper layers)
• Disconnect is a binary value (YES/NO), indicating whether the cardholder
device should disconnect.
• TxData is the transmit buffer, containing the data still to send; RxData
indicates the received buffer, containing the data received so far.
• ChID is the channel identifier.
5
10
15
Connection Utility
As indicated above, the Connection Utility is responsible for connection
management, sending and receiving Protocol Data Units (PDUs) and providing
20 symmetry.
(1) Connection management
For control of the L1 devices, the CAL assumes that L1 devices support the
following requests:
• Activate (List of IntfID)
• RequestChannel(lntflD)
• SendPDU(lntflD, ChID, PDU)
• Deactivate (List of IntfID)
• Remove (List of IntfID)
30 Table 1 below describes the above terms in greater detail.
25
WO 2014/195501 PCT/EP2014/061911
48
Table 1—CAL requests to L1 devices
Request Normal response L1 Functionality Exception
EV_TimeOut(lntfl
D) if no device is
detected on any
interface within
EV_DeviceDetected( Start timer for the various
IntfID)
Activate (List
of IntfID) interfaces.
Detect device presence.
Take the first IntfID that
responds, power on and
set up communication.
Deactivate other
interfaces and ignore any
response from other
IntflDs
the foreseen time.
IntfID is all zeroes
in this case.
EV_Error(lntflD)
o Multiple
devices on
this IntfID
o Comms
cannot be
established
As only the response from
the first IntfID is taking
into consideration, a
single ActivateQ request
results in either a single
EVjDpened event or a
single EV_Error event.
EV_ChannelAvailabl
e(lntflD, ChID)
Allocate a channel for
future communication
over this channel.
EV_Error(lntflD)
o No free
channel
available
RequestChan
nel(lntflD)
EV_Done((lntflD,
ChID, PDU)
Send a PDU and return
the PDU (if any) received
from the other device.
EV_Error(lntflD)
o Format error
o Syntax error
SendPDU(lntfl
D, ChID, PDU)
o
Note: this approach allows
both in-band as well as
out-of-band signaling.
Deactivate EV DeviceDeactivat Terminate communication
(List of IntfID)
Remove (List
of IntfID)
ed(lntflD) and power-off the device
EV DeviceRemoved Detect device removal
(IntfID)
Channels are assigned to applications using the following mechanisms and logic:
• The "Open" and "Resume" request from the upper layer is the trigger for the
CAL to allocate a new channel - if needed. This new channel is the first
channel available. The channel will be associated to a session identifier
SessID and is hidden from the upper layer; only the session SessID identifier
is visible to the upper layer.
• Upon receipt of the "Close" or "Suspend" request, the CAL will free the
channel.
5
10
WO 2014/195501 PCT/EP2014/061911
49
As can be seen from Table 1, CAL explicitly allocates a channel but does not
explicitly de-allocate it. This is an implementation choice and other implementations
may explicitly de-allocate the channel. The difference between explicit and implicit
channel de-allocation is the following:
• Explicit: the lower layer expects an explicit instruction to free the channel
before an interface can be deactivated and the device disconnected. If not all
channels of a particular interface are closed, a request to deactivate the
interface and/or disconnect the device will be rejected.
• Implicit: the lower layer closes the channel upon suspension or closure of the
session and does not expect an explicit instruction to close the channel. If
not all sessions of a particular interface are closed, a request to deactivate
and/or disconnect the device will be rejected.
5
10
Exceptions on L1 have a specific error coding (e.g. L1_abc) to distinguish them from
15 errors at the other layers.
(2) ABM
To enable either side of the link to initiate transmission of data, for each channel the
CAL has a configurable timer of which the presence and/or time-out configuration
20 value may vary with the mapping (and the interface, if we so desire).
If the timer is present, then processing is the following:
• The timer is activated and the time-out value is set when the interface and
mapping is determined.
• The timer is started, when the CAL receives one of the following events from
its lower layers:
o EV_Done(lntflD, ChID, PDU) i.e. when then last data chunk of a
message is received.
• The timer is stopped when the CAL sends one of the following requests to its
lower layers:
o SendPDU(lntflD, ChID, PDU) i.e. at the beginning of a data exchange
or signaling.
• When the timer expires, the CAL sends a signaling message ('ping') to the
other device. The other device can respond with a signaling message
('pong') or with a data exchange.
25
30
35
WO 2014/195501 PCT/EP2014/061911
50
Link Management Utility
The Link Management Utility serializes PDU exchanges that fit within the constraints
of the lower layer (Wrapper APDUs in the case of ISO 7816-4), without imposing
any limitation on the size of the messages that the upper layer can send or receive.
5 It includes an Asynchronous Balanced Mode (ABM) i.e. a symmetry mechanism so
that applications may send messages at any time, not bound by the limitation of the
underlying protocol (e.g. half-duplex master-slave configuration for ISO 7816-4).
When the underlying layer does not allow sending a (data) message as a single
packet, the CAL slices the message in smaller data chunks of a size that the
underlying layer can accommodate and sends these data chunks across.
10
In a similar manner, the CAL reassembles data chunks received from its counterpart
into a message.
15
To avoid any restriction on the size of a message that can be sent across, the
following principle is used:
• The CAL can split the payload in n data chunks of size m or smaller; both n
and m are dependent on the underlying technology (and therefore the
mapping).
• For every data chunk, an extra leading byte is added. This extra byte is
referred to as the Link Byte LB.
• For all but the last data chunk, the link byte is set to 'M', indicating more data
chunks will follow in order to complete the message. For the last data chunk
of the message, the Link Byte is set to 'L', indicating this is the last data
chunk of the message.
• For migration purposes, we foresee a mechanism that the Link Byte could be
extended to two or more bytes. The proposed mechanism is the following:
o Every Link Byte includes an indication 'C (=Continue) or 'E' (=End)
o All but the last Link Byte associated to a data chunk have this
indication set to 'C
o The last Link Byte associated to a data chunk has this indication set
to'E"
For now, all bits in all Link Bytes, except for the bits that include indications
'MV'L' and 'CV'E' are RFU.
20
25
30
35
WO 2014/195501 PCT/EP2014/061911
51
Session Management Utility
The Session Management Utility manages the session and the messages that are
exchanged with a session. The former results in signalling over the transaction
device to POI interface, the latter results in data exchange. Figure 22 shows an
5 overview of the session management utility.
(1) Signalling
For session management and to trigger the signalling, the following service requests
are proposed for the NGSE —> CAL and the NGApp —> CAL interface:
• OpenSession(SvlD, List of IntfID)
• SuspendSession (SessID, Disconnect)
• ResumeSession(List of IntfID [in most cases, this list will contain a single
IntfID], SessID)
• CloseSession(SesslD, Disconnect)
The responses to these service requests, from the CAL to the upper layer are listed
10
15
in
Table 2 below, together with the functionality of the CAL. CAL functionality includes
requests to the lower layer - see "(1) Connection management" above.
20
Table 2—CAL functionality for managing application context
Interaction Exception
upper layer
and CAL
CAL Functionality Signal
interface @
CAL level
OpenSession(
SvID, List of
IntfID)
EV_TimeOut(SesslD) if
device is not found.
• Assign a new session S(Open, SvID)
(SessID) identifier to
this connection and
create an entry with
this SessID.
• Request lower layer
to Activate (List of
IntfID) - to activate
various interfaces and
detect interface used.
• Upon receipt of
E VDetected (I nf ID)
from lower layer,
select the mapping in
function of IntfID and
request a channel
from the lower layer
through
EV_Error(lntflD,
SessID, error) with
error:
• Connection cannot
be established
• No new session
available
• More than 1 device
• SvID not compatible
with mapping (e.g.
cannot be mapped
to Bluetooth)
• S(EV_NACK),
indicating that
application cannot
S(EV_ACK,Se
I t ssID)
EV_Opened(lnt
fID, SessID)
WO 2014/195501 PCT/EP2014/061911
52
RequestChannel(lntfl be opened
D)
SessID returned is all
zeroes in the error
case.
• Upon receipt of
EV_ChannelAvailable
(IntfID, ChID) from
lower layer, update
entry with IntfID and
ChlD.
• In function of the
mapping, open
application context on
other device, using
SvID received.
• Set the Status of the
entry to 'Open'.
• At this stage, the
entry is characterized
by the tuple
(SessID, SvID, IntfID,
ChID, Mapping, Status =
'Open').
• Upon receipt of
S(EV_ACK) from
other device, return
EV_Opened(lntflD,
SessID) to upper
layer.
ResumeSessio
n(List of IntfID,
SessID)
S(Resume,
SessID)
• Retrieve tupple linked EV_TimeOut(SesslD) if
to SessID device is not found.
• Request lower layer
to Activate (List of
IntfID) - to activate
various interfaces and
detect interface used.
• Upon receipt of
E V_Detected (I nf ID),
select the mapping in
function of IntfID,
check whether this
mapping is
compatiblel with
previous mapping
and update the
mapping in the
tupple.
• Request a channel
from the lower layer
through
RequestChannel(lntfl
EV_Error(lntflD,
SessID, error) with
error:
• No such SessID
• Connection cannot
be established
• More than 1 device
• SvID not compatible
with mapping
• S(EV_NACK),
indicating that
application cannot
be opened
i t
S(EV_ACK,Se
ssID)
EV_Resumed(l
ntfID, SessID)
D).
• Upon receipt of
WO 2014/195501 PCT/EP2014/061911
53
EVChannelAvailable
(IntfID, ChID) from
lower layer, update
IntfID and ChID in the
tupple.
• If function of the
mapping, re-open
application context on
other device, using
SvID stored with
SessID, and set the
Status of the entry to
'Resume'.
• The entry is
characterized by the
tuple
(SessID, SvID, IntfID,
ChID, Mapping, Status =
'Resume').
• Upon receipt of
S(EV_ACK) from
other device, return
EV_Resumed(lntflD,
SessID) to upper
layer.
S(Suspend,
SessID,
Disconnect)
SuspendSessio • EVTimeOut(SesslD) if
n(SesslD,
Disconnect)
In function of the
mapping, request
other device to
suspension
application context.
• Set the Status of the
entry to 'Suspend'
and update the
tupple.
• Upon receipt of of
S(EV_ACK), store the
application context of
the current
application in this
device - if needed -
and call lower layer
o If (Disconnect =
Yes) then request
Remove (IntfID)
from lower layer
0 Else request
Deactivate (IntfID)
from lower layer
• Upon receipt of
EV_DeviceRemoved(
1 ntf I D)/EV_DeviceDea
ctivated(lntflD from
lower layer, return
device is not removed.
EV_Error(lntflD,
SessID, error) with
error:
• No such SessID
• S(EV_NACK),
indicating that
application rejects
suspension
• Device cannot be
removed because of
other session
• Device is removed
prematurely
i
EV_Suspended
(SessID) S(EV_ACK,Se
ssID)
WO 2014/195501 PCT/EP2014/061911
54
EV_Suspended(lntflD
, SessID) to upper
layer and clear IntfID
and ChID from entry.
EV_TimeOut(SesslD) if
device is not removed.
CloseSession( •
SessID,
Disconnect)
S(Close,Sessl
D,Disconnect)
In function of the
mapping, request
other device to close
its application
context.
EV_Error(SesslD, error)
with error:
• No such SessID
• Device cannot be
removed because of
other session in
progress
• S(EV_NACK),
indicating that
application rejects
closure
I t
S(EV_ACK,Se
ssID)
EV_Closed(Se
ssID) • Set the Status of the
entry to 'Close' and
update the tupple.
• Upon receipt of
S(EV_ACK), call
lower layer
o If (Disconnect =
Yes) then request
Remove (IntfID)
0 Else request
Deactivate (IntfID)
• Upon receipt of
EV_DeviceRemoved(
1 ntf I D)/EV_DeviceDea
ctivated(lntflD)from
lower layer, return
EV_Closed(lntflD,
SessID) and erase
entry (incl SessID).
The service request from the upper layer will generate Signals on the interface
between the two devices, as illustrated by the "Signal Interface @ CAL Level"
column in Table 2 above. Figure 23 gives an example for the OpenSession(SvlD,
5 List of IntfID) service request, that gives origin to an S(Open, SvID) signaling
request at the CAL level. Then S(EV_ACK,SessID) signalling response from the
other device results in the EV_Opened(lntflD, SessID) to the upper layer.
"CAL Signalling" discussed below includes a more detailed description of the
communication between the upper and lower layer within the CAL, as well as the
CAL signalling with the other device. The Example section below covers the four
service requests: Open, Resume, Suspend and Close.
10
(2) Data exchange
15
The following service requests are proposed for the NGSE —• CAL and the NGApp
—• CAL interface:
WO 2014/195501 PCT7EP2014/061911
55
• SendMsg (SessID, Msg)
CAL functionality includes requests to the lower layer and involves link
management. For these lower layer requests, please refer to the section "(1)
5 Connection management" and "Link Management Utility" (see Figure 24).
Proxy functionality
For the connection management, the proxy has to ensure that connections are
available over the different interfaces. This implies coordinating the following service
request on various L1 devices:
• Activate (List of IntfID)
• RequestChannel(lntflD)
• SendPDU(lntflD, ChID, PDU)
• Deactivate (List of IntfID)
• Remove (List of IntfID)
For link management, the proxy compiles the incoming PDUs received over one
interface into a message and then disassembles it into PDUs again for another
interface.
For session management, the proxy transcodes the service request
OpenSession(...), SuspendSession (...), ResumeSession(...), CloseSession(...)
received over one interface to the other interface. It ensures the consistency around
the SessID.
10
15
20
25 Mapping utility for ISO 78614-4
The Message Mapping Utility plugs the Connection Utility, Link Management Utility
and Session Management Utility onto an existing protocol, such as ISO 7816-4.
This section proposes an implementation for ISO 7816-4 that is fully compliant with
EMV Book 1 - section 11.1 and describes this implementation by means of some
examples.
30
Example implementation
35
For POI to transaction device communication, the following C-APDUs may be used:
WO 2014/195501 PCT/EP2014/061911
56
• The Select command, to open an application and to resume an application.
• The Wrapper command, for everything else - this case 4 C-APDU has
functionality similar to the ISO defined Envelope command but is an EMVCo
proprietary version. The command data of the Wrapper C-APDU always
includes
o Signalling
5
o Link (layer) information through the link byte(s)
If the Wrapper command data includes additional data, then this additional
data constitutes the actual data exchange. Data exchange includes:
10 o Session Identifier SessID
o Other data
For transaction device to POI communication, the following R-APDUs and status
bytes SW1SW2 may be used:
• For a SvID linked to a NGApp, the response to a Select command is
SW1SW2 with no additional data
• The response R-APDU to a Wrapper command always includes response
data and has SW1SW2 equal to 9000.
• This response data always includes
o Signaling
15
20 o Link (layer) information through the Link Byte(s)
If the response data includes additional data, then this additional data
constitutes the actual data exchange. Data exchange includes:
o Session Identifier (SessID)
o Other data
For IS07816-4, signalling is done in-band. Data exchange and signalling are
combined in a single C-APDU or R-APDU. For signalling, there may be a specific
byte, preceding the Link Byte, and this byte is referred to as the Signalling Byte
25
(SB).
For migration purposes, there may be a mechanism that the Signalling Byte could
be extended to two or more bytes. The proposed mechanism is the following (and
similar to the mechanism used for the Link Byte):
• Every Signalling Byte includes an indication 'C (=Continue) or 'E' (=End)
30
WO 2014/195501 PCT/EP2014/061911
57
• All but the last Signalling Byte associated to a data chunk have this
indication set to 'C
• The last Signalling Byte associated to a data chunk has this indication set to
'E'
5
Note: having multiple bytes allows sending multiple signals across in parallel if we
ever need this.
On top of the coding above, we define the following values for the Signal Byte:
• No signalling - this value is also used for ABM 'ping' and 'pong'
• Open
• Resume
• Suspend with Disconnect
• Suspend without Disconnect
• Close with Disconnect
• Close without Disconnect
• ACK
• NACK
For the L1 connection management, mapping is described in Table 3 below.
10
15
20
Table 3—L1 functionality for ISO 7816-4
Request Mapping
T=0 T=0 T=CL; Type A T=CL; Type
B
Activate (List of Detect power, followed by cold &
warm reset
Detect field of sufficient level
and wait for polling command
and subsequent ISO 14443-4
commands.
L1ID)
Check whether there is still a channel available and if so, return
this value.
RequestChannel(lnt
fID)
Wait for a PDU with ChID set in the CLA byte and return the
PDU.
SendPDU(lntflD,
ChID, PDU)
Mapping of IS07816-4 to
ISO/IEC 14443-4
Mapping of
IS07816-4 to
Mapping of
IS07816-4 to
T=0 T=1
Deactivate (List of Field off
L1IDs)
VCC is off and remove contact
As longs as the field strength
is sufficient, respond to the
ISO 1443-4 commands of the
Remove (List of
L1IDs)
EMV - Book D Removal
sequence
WO 2014/195501 PCT/EP2014/061911
58
From the upper layer, the link management utility in the CAL will get a message that
has the format SesslD||Other data. The Link Management Utility will break it down in
Protocol Data Units (PDUs) that have the format SB||LB||Data. These PDUs are
delivered in sequence to the lower layer that will package them response R-APDUs
5 (see Table 4) to Wrapper C-APDUs (see Table 5).
From the lower layer, the link management utility will get PDUs that have the format
SB||LB||Data. If the Signal Byte SB is other than "No Signaling", the CAL creates an
event for the signaling event for upper layer. All data received from the PDUs are
10 concatenated (after SB and LB overhead has been removed) in the RxData receive
buffer until the Link Byte LB indicates 'L'. Upon receipt of an LB equal to 'L', the link
management utility adds the last data chunk. The data in the RxData receive buffer
is now a complete message and should have the format SesslD||Other data.
15 Table 4—Mapping to R-APDU
R-APDU
Response data Response trailer
SB LB Data SW1 SW2
Table 5—Format of C-APDU
C-APDU
WRAPPER command header Command data
CLA INS P1 P2 Lc SB LB Data
20 For ABM using ISO 7816-4, the timer will be present in the POI i.e. the master of the
ISO 7816-4 communication. The transaction device does not implement a timer.
If the POI, ABM related processing is the following:
• Following a C-APDU that has its LB set to 'L',
o when an R-APDU is received with the LB set to 'M', a C-APDU is
sent with
25
• SB set to 'No Signalling' and with the
• LB set to 'L'.
For consistency, the SessID may be sent as well, if this would
30 be useful.
This C-APDU is then the so-called 'ping' signal.
WO 2014/195501 PCT/EP2014/061911
59
o when an R-APDU is received with the LB set to 'L', then the timer is
started.
• The timer is stopped when a C-APDU is sent
• When the timer expires, a 'ping' signal is sent.
If the card, ABM related processing is the following:
• Following receipt of a C-APDU that has its LB set to 'L',
o the CAL does its normal processing when it has data to send
5
o the CAL does it normal checking on the channel ChID and if it has no
data to send on this ChID, the CAL returns a PDU with SB set to 'No
10 Signalling' and with the LB set to 'L'.
For setting the value of the logical channel, there are two options:
a) The CAL in POI sets the value or
b) The eCAL in the transaction device sets the value
If the POI sets the value, it will do so through the Select command or by the Manage
15 Channel command.
If the transaction device sets the value, it will do so as part of the Manage Channel
command processing.
20 Mechanism for setting the channel value based on Select command and Manage
Channel command are described in ISO 7816-4: Interindustry Commands for
Interchange.
Once a channel is allocated to an application and therefore a session, the (logical)
25 channel of this application is coded in the lower nibble of the CLA byte of every CAPDU
of this session.
For IS07816-4, there is a one-to-one mapping between sessions and channels.
This one-to-one mapping is illustrated in the example below.
30
Example: If the Transaction Manager sends
• Open Application (NGSE) creating a first session with SesslDI followed by
Open Application (Credit Bank A) creating a second session with SesslD2,
WO 2014/195501 PCT/EP2014/061911
60
then two channels will be opened. SesslDI will run over channel 0 (ChilD =
0) and SesslD2 will run over channel 1 (ChID = 1).
• Open Application (NGSE), creating a first session with SesslDI followed by
a Close Application (SesslDI), Open Application (Credit Bank A), creating
another session with SesslD2, then both SesslDI and SesslD2 will run over
channel 0 (ChlD= 0).
The eCAL links a SessID to a ChID and makes sure that the PDUs received with a
ChID are assembled into a message from session SessID .
5
10
In turn, the eCAL breaks a message from session SessID down in PDUs that can be
sent on channel ChlD. So the eCAL has to wait for a PDU with a matching ChiD in
the CLA byte before it can send the PDU.
15 Examples
The remainder of this section contains some examples and illustrations of the ISO
7816-4 mapping
Figure 25 illustrates how messages are sliced into smaller data chunks that are put
into PDUs, with a Signal Byte and a Link Byte, and mapped onto APDUs. Each
APDU has a Link Byte indicating whether there is more data to come ('M') or
whether this is the last data APDU ('L') from the message (or signal).
20
In this example, the message from the upper layer needs to be split into two chunks:
Payload (1T) and Payload (2T). The first byte of the command data is each time the
Signal Byte SB. The second byte of the command data is each time the Link Byte
LB. The Link Byte in the first Wrapper C-APDU is set to 'M', to announce that there
is another C-APDU to come (from the same message). The Link Byte of the second
Wrapper C-APDU is set to 'L'.
25
30
The message from the transaction device is split in three data chunks: Payload (1C),
Payload (2C) and Payload (3C). The first byte of the response data is each time the
Signal Byte SB. The second byte is each time the Link Byte LB. The Link Byte of the
first and second R-APDU is set to 'M' and the Link Byte of the third R-APDU is 35 set to
•L".
WO 2014/195501 PCT/EP2014/061911
61
All Signal Bytes are set to "No Signalling" in this example.
In Figure 25, the third C-APDU functions as the 'ping' signal. The payload in this
5 third C-APDU may be merely the Session Identifier (SessID).
Starting from Figure 25, the timeout of the ABM feature is illustrated in Figure 26.
If after having received the third R-APDU from the transaction device, completing
the message transfer from the transaction device to the POI, the POI has no more
messages to send and neither has the card - at this particular time. So the CAL in
the POI will start a timer and upon expiration of this timer, the CAL will send a
Wrapper C-APDU with the Signal Byte set to 'No Signaling' - as a 'ping' signal. If
the transaction device has no message to send, it simply returns an R-APDU with
the Signal Byte set to 'No Signaling' as well (and the Link Byte equal to 'L') - as
'pong' signal. If the transaction device has a message to send, it returns a first RAPDUs,
including the Link Byte indicating whether there are more R-APDUs to
come or not.
10
15
Figure 27 gives an illustration how the link layer may work in combination with
multiple sessions.
20
In this example, two applications run in parallel, so there are two sessions: SesslDI
and SesslD2 running over ChlD1=0 and ChlD2=1 respectively.
25
The POI message from SesslDI is split into two Wrapper C-APDUs, with the ChlD1
= 0 coded in the lower two bits of the CLA byte. The transaction device message is
split in to R-APDUs as well (with no indication of the channel).
The POI message from SesslD2 is a single Wrapper C-APDUs and has ChlD2=1
coded in its CLA byte; the transaction device message from SesslD2 is a single RAPDU.
30
The two C-APDUs from SesslDI are interleaved with the C-APDU from SesslD2, as
do 35 the R-APDUs.
WO 2014/195501 PCT/EP2014/061911
62
Below are some examples of session management requests sent by the upper
layer. Each of the requests is described from the point of view of the POi as well as
the point of view of the transaction device. Requests from the upper layer that are
covered are:
• Open
• Resume
5
• Suspend with or without Disconnect
• Close with or without Disconnect
10 Open
Table 6 describes the Open request when the POI initiates the request. Table 7 is
similar, where the transaction device initiates the request.
Table 6—-Open (POI to transaction device)
POI upper CAL L1 - Mapping in POI IS07816-4
layer Interface
S(Open
SvID)
Map S(Open,...) to SELECT command
and SvID to AID.
Check for free channel and if one
available, set the channel in the SELECT
command.
Set Status of SessID to 'Open'
OpenSession(
SvID, List of
IntfID)
SELECT (AID)
SW1SW2
EV_Opened(ln
tfID, SessID)
S(EV_ACK,
SessID)
Maps SW1SW2 = 9000 to S(EV_ACK,
SessID), resulting in EV_Opened() to be
sent to upper layer.
15
Table 7—Open (Transaction device to POI) and first exchange
Transaction CAL L1 -Mapping in Transaction device IS07816-4
device upper
layer
Interface
OpenSession(
SvID, List of
IntfID)
n.a.
Maps the SvID into an ADF Name and
creates entries for the various
interfaces.
Set the Status of entries to "Open"
S(Open,
SvID)
For the interface used, check whether
entries are available for one or more
SELECT (AID)
ADF Names
If so, check AID against ADF Name. For
matching ADF Name, remove entries
WO 2014/195501 PCT/EP2014/061911
63
related to other interfaces.
Map the matching ADFName to Product
ID
Set channel
S(EV_ACK, SW1SW2
SessID)
Acknowledge opening of the session.
EV_Opened(ln
tfID, SessID)
Depending on the Status of the entry WRAPPER
• If Status is "Continue" or "Suspend",
then SessID is already assigned.
Just move on to updating the
receiver buffer and analyzing the link
byte.
• If Status is equal to "Open" or
"Resume" then check whether
Signal byte in the C-APDU matches
the value (If not, then reject without
waiting for the other message data )
of the Status of this entry.
Initialize SessID based on value in
this C-APDU, based on layout of
command data
Sign Lin Sessl Other data
al k D
For "Open", return
EV_Opened(lntflD, SessID) to upper
layer;
For "Resume", then return
EV_Resumed(lntflD, SessID)
Set Status to "Continue".
Add data other than Signal Byte and
Link Byte to the RxData receive buffer.
Check the Link Byte.
If Link Byte indicates 'L', then all data for
the message has been received and the
chain/receive buffer should have the
ormat as indicated below.
EV_ReqReceiv
eMsg(SesslD,
DE(SesslD
Msg)
Msg)
Sessl Other data
D
Check SessID
Send ReqReceiveMsg(SesslD, Msg) to
upper layer.
Check whether there is more data to R-APDU (...)
send in the transmit buffer.
Suspend
Table8 describes the Suspend request when the transaction device initiates the
request. Table 9 is similar wherein the POI initiates the request.
5
WO 2014/195501 PCT/EP2014/061911
64
Table 8—Suspend (Transaction device to POI)
L1 -Mapping in Transaction CAL Transaction device IS07816-4
device upper Interface
layer
SuspendSessi
on(SesslD,
Disconnect)
Lookup ChID based on SessID and wait
for C-APDU to come along with right
ChID in its CLA byte.
WRAPPER
EV_ReqReceiv
eMsg(SesslD,
DE(SesslD, Process received data.
Msg)
Msg)
DE(SesslD, Check whether there are APDUs to
send in the TxData transmit buffer.
Based on the Link Byte, if this is the last
APDU to send (Link Byte = 'L'), then set
Signal Byte to "Suspend" and set Status
of entry to 'Suspend'.
R-APDU (...)
Msg)
S(Suspend,
SessID,
Disconnect)
S(EV_ACK!
SessID)
If Status of entry is 'Suspend' and
Signal Byte is 'ACK', then store context
info.
WRAPPER
EV_Suspende
d(SesslD)
Send single R-APDU, with Signaling
Byte set to 'No Signaling'
Send EV Suspended to upper layer
R-APDU (...)
Table 9—Suspend (PQI to transaction device)
POI upper CAL L1 -Mapping in POI IS07816-4
layer Interface
SuspendSessi
on(SesslD,
Disconnect)
R-APDU (...)
EVReqReceiv
eMsg(SesslD,
DE(SesslD, Process received data.
Msg)
Msg)
DE(SesslD, Check whether there are APDUs to
send in the TxData transmit buffer.
Based on the Link Byte, if this is the last
APDU to send (Link Byte = 'L'), then set
Signal Byte of this PDU to "Suspend".
Set Status of this entry to 'Suspend'
WRAPPER
Msg) (...)
S(Suspend,
SessID,
Disconnect)
S(EV_ACK,
SessID)
Extract SessID.
If Status of this entry is 'Suspend' and
Signal Byte is 'ACK', then store context
info.
R-APDU (...)
WO 2014/195501 PCT/EP2014/061911
65
Depending on value of Disconnect,
request lower layer to
• Deactivate (IntfID)
EVSuspende
d(SesslD)
or
• Remove (IntfID)
Upon acknowledgment of lower layer,
send EV_Suspended to upper layer
Resume
Table 10 describes the Resume request when the POI initiates the request.
5 Table 11 is similar wherein the transaction device initiates the request.
Table 10—Resume (POI to transaction device)
L1 -POI CAL Mapping in POI IS07816-4
Interface
ResumeSessio
n(SesslD, List
of IntfID)
S(Resume,
SessID)
Look up AID name based on SessID.
Map S(Resume,...) to SELECT
command.
Check for free channel and if one
available, set the channel in the SELECT
command.
Set Status of SessID to "Resume"
SELECT (AID)
SW1SW2
EV_Resumed(l
ntfID, SessID)
S(EV_ACK!
SessID)
Restore the transaction context
Maps SW1SW2 = 9000 to S(EV_ACK,
SessID), resulting in EV_Suspended()
to be sent to upper layer.
Table 11—Resume (Transaction device to POI) and first exchange
Transaction CAL L1 -Mapping in Transaction Device IS07816-4
Device Interface
ResumeSessio
n(SesslD, List
of IntfID)
n.a.
Look up the SessID in the context and
check whether its status is 'Suspend'. If
so, activate the matching entries for the
various interfaces.
Set the Status of entries to "Resume".
S(Resume,
SessID)
For the interface used, check whether
entries are available for one or more
ADF Names
If so, check AID against ADF Name. For
matching ADF Name, remove entries
related to other interfaces.
Map the matching ADFName to Product
SELECT (AID)
ID
WO 2014/195501 PCT/EP2014/061911
66
Set channel
S(EV_ACK!
SessID)
Acknowledge opening of the session. SW1SW2
EV_Resumed(l
ntfID, SessID)
Depending on the Status of the entry
• If Status is "Continue" or "Suspend",
then SessID is already assigned.
Just move on to updating the
receiver buffer and analyzing the
Link Byte.
• If Status is equal to "Open" or
"Resume" then check whether
Signal byte in the C-APDU matches
the value (If not, then reject without
waiting for the other message data)
of the Status of this entry.
Initialize SessID based on value in
this C-APDU, based on layout of
command data
WRAPPER
Sign Lin Sessl Other data
al k D
For "Open", return
EV_Opened(lntfID, SessID) to upper
layer;
For "Resume", then return
EV_Resumed(lntflD, SessID)
Set Status to "Continue".
Add data other than Signal Byte and
Link Byte to the receive buffer RxData.
Check the Link Byte.
If Link Byte indicates 'L', then all data for
the message has been received and the
chain/receive buffer should have the
ormat as indicated below.
EV_ReqReceiv
eMsg(SesslD,
DE(SesslD,
Msg)
Msg)
Sessl Other data
D
Check SessID
Send ReqReceiveMsg(SesslD, Msg) to
upper layer.
Check whether there is more PDUs to R-APDU (...)
send in the transmit buffer TxData.
Close
Table 12 describes the Close request when the POI initiates the request. Table 13 is
similar wherein the transaction device initiates the request.
5
Table 12—Close (POI to transaction device)
POI upper CAL L1 -Mapping in POI IS07816-4
WO 2014/195501 PCT/EP2014/061911
67
layer Interface
CloseSession(
SessID,
Disconnect)
R-APDU (...)
EV_ReqReceiv
eMsg(SesslD,
DE(SesslD, Process received data.
Msg)
Msg)
Check whether there is more PDUs to WRAPPER
send in the transmit buffer TxData.
Based on the Link Byte, if this is the last
PDU to send (Link Byte = 'L'), then set
Signal Byte to "Close".
Set Status of Entry to 'Close'
DE(SesslD,
Msg) (...)
S(Close,
SessID,
Disconnect)
S(EV_ACK, R-APDU (...)
SessID)
Extract SessID.
If Status of this entry is "Close" and if
Signal byte is 'ACK', then erase context
info.
Depending on value of Disconnect,
request lower layer to
• Deactivate (IntfID)
EV_Closed(Se
ssID)
or
• Remove (IntfID)
Upon acknowledgment of lower layer,
send EV CIosed to upper layer and
erase entry.
Table 13—Close (Transaction device to POI)
Transaction CAL L1 -Mapping in transaction device IS07816-4
device upper
layer
Interface
Lookup ChID based on SessID and wait
for C-APDU to come along with right
ChID in its CLA byte.
CloseSession( WRAPPER
SessID,
Disconnect)
EV_ReqReceiv
eMsg(SesslD,
Msg)
DE(SesslD, Process received data.
Msg)
Check whether there is more PDUs to R-APDU (...)
send in the transmit buffer TxData.
Based on the Link Byte, if this is the last
PDU to send (Link Byte = 'L'), then set
Signal Byte to "Close".
Set status of entry to 'Close'
DE(SesslD,
Msg)
WO 2014/195501 PCT/EP2014/061911
68
S(Close,
SessID,
Disconnect)
If status of entry is 'Close' and if Signal
Byte is 'ACK', then erase context info.
S(EV_ACK, WRAPPER
SessID)
Send single R-APDU, with Signaling
Byte set to 'No Signalling'
Send EV_Closed to upper layer and
erase entry.
EV_Closed(Se R-APDU (...)
ssID)
Table 14 describes a SendMsg request when the POI initiates the request. Table 15
is similar wherein the transaction device initiates the request.
5 Table 14—Message exchange (POI to transaction device)
POI upper CAL L1 -Mapping in POI IS07816-
layer Interface 4
Split into PDUs and set the Link Byte for
each PDU.
Set ChID into CLA of C-APDU.
If Status of SessID equal to
• "Open" then set Signal Byte of first CAPDU
to "Open"
• "Resume" then set Signal Byte of first
C-APDU to "Resume"
Set Status of SessID to "Continue"
SendMsg DE(SesslD,
(SessID, Msg) Msg)
Map first chunk into Wrapper C-APDU. The
result will look like:
WRAPPER
(...)
SB LB Sessl Other data
D
This first C-APDU will provide the card with
the SessID.
If LB of the C-APDU to send is 'L' (so this
was the last chunk of the message to
transmit), then send EV_MsgTx(SesslD) to
upper layer.
EV_MsgTx(Se
ssID)
DE(SesslD, Check Signal Byte and if different from "No R-APDU
Signaling", create the matching event for
the upper layer.
Add data (other than SB and LB) to RxData
buffer.
Msg) (...)
Check the Link Byte.
If Link Byte indicates 'M' then just continue
If the Link Byte indicates 'L', then all data
for the message has been received and the
RxData buffer should now contain data as
EVReqReceiv
eMsg(SesslD,
Msg)
indicated below.
Sessl Other data
D
WO 2014/195501 PCT/EP2014/061911
69
Check SessID
Send ReqReceiveMsg(SesslD, Msg) to
upper layer.
Table 15—Message exchange (Transaction device to POI)
CAL L1 -Mapping in transaction Transaction device IS07816-
device upper Interface 4
layer
DE(SesslD, Split into PDUs and set the Link Byte for
each PDU.
Lookup ChID based on SessID and wait for
C-APDU to come along with right ChID in
its CLA byte.
-APDU.
SendMsg
(SessID, Msg) Msg)
Check Signal Byte and if different from "No
Signaling", create the matching event for
the upper layer.
Add data (other than SB and LB) to RxData
buffer.
Check the Link Byte.
If Link Byte indicates 'M' then just continue,
otherwise package the RxData into
EV_ReqReceiveMsg(SesslD, Msg) for
upper layer.
WRAPPER
(...)
EV_ReqReceiv
eMsg(SesslD,
DE(SesslD,
Msg)
Msg)
Map PDU from Tx-Buffer into R-APDU. The
result will look like
R-APDU
(...)
Repeat the above until LB of the R-APDU
to send is 'L' (so this was the last chunk of
the message to transmit), then send
EV_MsgTx(SesslD) to upper layer.
EV_MsgTx(Se
ssID)
WO 2014/195501 PCT/EP2014/061911
70
CAL signalling
Table 16, Table 17, Table 18 and Table 19 below summarize the communication
5 between the upper and lower layer within the CAL, as well as the CAL signalling
with the other device for Open, Resume, Suspend and Close respectively. Please
note that in these tables, no distinction is made between a "master" and a "slave"
device as no such distinction needs to be made at the upper layer and at the
signalling layer.
10
Table 16—CAL functionality - Open
Device (internal) CAL Other device (internal)
signaling
interface
CAL Upper
layer
Upper layer CAL Lower layer
OpenSession
(SvID, List of
IntfID)
1
Activate
(List of
IntfID) m
JL
EVDetected
(IntfID)
RequestCh
annel(lntflD
)
I
EVChannel
Available(lntf
ID, ChID)
S(Open,
SvID)
EV_ReqOp
enSession(
SvID, IntfID)
- t
OpenSessi
on
(SvID,IntfID
)
i
S(EV_ACK,S
essID)
EV_Opened(
WO 2014/195501 PCT/EP2014/061911
71
IntfID,
SessID)
t
Table 17—CAL functionality - Resume
Device (internal) CAL Other device (internal)
signaling
interface
Upper layer CAL Lower layer CAL Upper
layer
ResumeSess
ion(List of
IntfID,
SessID)
!
Activate
(List of
IntfID)
1
EV_Detected
(InfID)
t
RequestCh
annel(lntflD
EVChannel
Available(lntf
ID, ChID)
t
S(Resume,
SessID)
EV_ReqRes
umeSession
(IntfID,
SessID)
t
ResumeSe
ssion(lntflD
, SessID)
1
S(EV_ACK.S
essID)
EV_Resume
d(lntflD,
SessID)
t
Table 18—CAL functionality - Suspend
Device (internal) CAL Other device (internal)
signaling
interface
CAL Upper
layer
Upper layer CAL Lower layer
SuspendSes
WO 2014/195501 PCT/EP2014/061911
72
sion(SesslD,
Disconnect)
1
S(Suspend.
SesslD.
Disconnect)
EVReqSus
pendSessio
n(SesslD,
Disconnect)
t
SuspendSe
ssion(Sessl
D,
Disconnect
i
S(EV_ACK,S
essID)
Remove
(IntfiD)/
Deactivate
(IntfiD)
i
EV_DeviceR
emoved(lntfl
D)/EV_Devic
eDeactivated
(IntfiD)
t
EV_Suspend
ed(SesslD)
t
Table 19—CAL functionality - Close
Device (internal) CAL Other device (internal)
signaling
interface
Upper layer CAL Lower layer CAL Upper
layer
CloseSessio
n(SesslD,
Disconnect)
1
3(01086,365
slD,Disconne
ct)
EV_ReqClo
seSession(
SesslD,
Disconnect
1
WO 2014/195501 PCT/EP2014/061911
73
t
CloseSessi
on(SesslD,
Disconnect
i
S(EV_ACK.S
essID)
Remove
(IntfID)/
Deactivate
(IntfID)
!
EV_Device
Removed(l
ntflD)/EV_
DeviceDea
ctivated(lntf
ID)
t
EV_Closed(S
essID)
t
WO 2014/195501 PCT/EP2014/061911
74
CAL data exchange
Table 20 summarizes the communication between the upper and lower layer within
5 the CAL, as well as the CAL signaling with the other device for data exchange.
Please note that in the data exchange is represented as a full duplex exchange, with
messages being sent in parallel between the two devices.
Table 20— CAL functionality 10 - SendMsg
Device (internal) CAL Other device (internal)
CAL Lower signalin CAL Upper
layer
Upper Lower
layer 9 layer layer
interface
SendMsg
(SessID,
SendMsg
(SessID,
Msg) Msg)
1 I
SendPDU(l
ntfID
ChID,
PDU)
!
EV_Done
((IntfID,
ChID,
PDU)
SendPDU(l
ntfID,
ChID,
PDU)
t i
EV_Done((
IntfID,
ChID
PDU)
t
SendPD
U(lntflD,
ChID,
PDU)
!
EV_Done
((IntfID,
ChID,
PDU)
SendPDU(l
ntfID
ChID
PDU)
t I
EV_Done((
IntfID,
ChID
PDU)
t
DE(Sessl
WO 2014/195501 PCT/EP2014/061911
75
D,Msg)
DE(Sessl
D,Msg)
EV_Req
Receive
Msg
(SessID,
EV_MsgT
x(SesslD)
t
Msg)
t
EV_Msg
Tx(Sessl
EV_ReqR
eceiveMsg
(SessID, D)
Msg) t
t
As the person skilled in the art will appreciate, modifications and variations to the
above embodiments may be provided, and further embodiments may be developed,
without departing from the spirit and scope of the invention. Reference to standards
5 and proprietary technologies are provided for the purpose of describing effective
implementations, and do not limit the scope of the invention.

CLAIMS
1. A transaction device for establishing a shared secret with a point of interaction
(POI) over a communications network to enable encrypted communications
between the transaction device and the point of interaction, the device
comprising:
5
an input arranged to receive communications from the point of interaction;
a processor arranged to generate a first communication according to a Diffie-
Hellman protocol
an output arranged to send the first communication to the point 10 of interaction;
wherein
the processor is arranged to apply a randomly generated blinding factor, r,
when generating the first communication and
wherein, in response to receiving a second communication from the point of
interaction at the input, the second communication having been generated
according to the Diffie-Hellman protocol, the processor is arranged to apply the
randomly generated blinding factor and generate a shared secret according to the
Diffie-Hellman protocol in dependence on data contained within the second
communication.
15
20 2. A transaction device according to Claim 1, wherein the processor is arranged to
use an elliptic Diffie-Hellman protocol.
3. A transaction device according to Claim 1 or Claim 2, wherein the device
comprises a static public key Qc and the processor is arranged to use the public
key when generating the first communication.
25 4. A transaction device according to any preceding claim, wherein the transaction
device comprises a public key Qc which is the product of a private key dc and a
point G on a curve that is part of an elliptic group.
5. A transaction device according to Claim 4, wherein point G is known to the
transaction device and the point of interaction prior to the first communication
30 being generated.
6. A transaction device according to Claim 4 or Claim 5, wherein the processor is
arranged to calculate R = r • Qc for inclusion in the first communication.
WO 2014/195501 PCT/EP2014/061911
77
7. A transaction device according to Claim 6, wherein the second communication
comprises an ephemeral public key Qt of the point of interaction where Qt = dt *6
and dt is an ephemeral private key of the point of interaction.
8. A transaction device according to Claim 7, wherein the processor is arranged to
generate the shared secret by combining the public key from the second
communication with private key dc and applying the blinding factor r to generate
rdcdrG.
5
9. A transaction device according to Claim 8, wherein, in response to generating
the shared secret, the processor is arranged to generate a further
communication to the point of interaction, the further communication comprising
the public key of the transaction device, security certificates and the blinding
factor r, the further communication being encrypted in dependence with the
shared secret.
10
10. A transaction device according to Claim 8 or Claim 9, wherein the processor is
arranged to calculate key hQ wherein Kc=f(15 (rdc,Qt).
11. A transaction device according to Claim 10, wherein the processor is arranged to
encrypt subsequent communications with the point of interaction using key Kc.
12. A transaction device according to Claim 11, wherein at the end of a
communication session with the point of interaction, the processor is arranged to
20 delete the random blinding factor and the key Kc.
13. A transaction device according to any preceding claim, comprising a random
number generator for generating the blinding factor r.
14. A mobile communications device comprising a transaction device according to
any preceding claim.
25 15. A mobile communications device according to Claim 14, wherein the mobile
communications device comprises a secure element, the transaction device
being located at least partially within the secure element.
16. A bank transaction card comprising a transaction device according to any one of
Claims 1 to 13.
WO 2014/195501 PCT/EP2014/061911
78
17. A method of establishing a shared secret between transaction device and a
point of interaction (POi) over a communications network to enable encrypted
communications between the transaction device and the point of interaction, the
method comprising:
generating, at the transaction device, a first communication according to a
Diffie-Hellman protocol
5
sending the first communication to the point of interaction;
wherein
generating the first communication comprises applying a randomly
10 generated blinding factor, r, and
wherein, in response to receiving a second communication from the point of
interaction at the input, the second communication having been generated
according to the Diffie-Hellman protocol, the method comprises applying the
randomly generated blinding factor and generating a shared secret according to the
Diffie-Hellman protocol in dependence on data contained within the second
communication.
15
18. A method of detecting relay attacks between first and second devices in a
communications network, comprising:
sending first data from the first device to the second device;
receiving a communication from the second device, the communication
comprising second data generated at the second device and a time parameter
related to the generation of the second data;
20
measuring a total transmission time at the first device between sending the
first data to receiving the communication;
determining a further time parameter related to the generation of the second
data from the measured total transmission time;
25
determining the presence of a relay attack between the first and second
devices in dependence on a comparison of the time parameter and the further time
parameter.
WO 2014/195501 PCT/EP2014/061911
79
19. A method as claimed in Claim 18, wherein determining the presence of the relay
attack comprises determining if a difference between the time parameter and the
further time parameter exceeds a predetermined threshold.
20. A method as claimed in Claim 18 or Claim 19, wherein a further communication
is received from the second device at the first device, the further communication
being over an encrypted channel and comprising the first and second data and
the time parameter.
5
21. A method as claimed in Claim 20 , wherein determining the presence of the
relay attack comprises checking if the first and second data in the encrypted
further communication match the first data sent in the sending step and the
second data received in the first receiving step.
10
22. A method as claimed in any one of Claims 18 to 21, wherein the communication
received from the second device further comprises an estimate, from the second
device, of the total transmission time.
15 23. A method as claimed in any one of Claims 18 to 22, wherein the communication
received from the second device further comprises an estimate, from the second
device, of the time to send the communication from the second device over the
communications network to the first device.
24. A method as claimed in any one of Claims 18 to 23, wherein the first device
comprises a point 20 of interaction.
25. A method as claimed in any one of Claims 18 to 24, wherein the second device
comprises a transaction device.
26. A method as claimed in Claim 25, wherein the transaction device comprises the
transaction device according to any one of Claims 1 to 13.
27. A method of detecting relay attacks between first and second devices in a
communications network, comprising:
25
receiving first data from the first device at the second device;
generating second data at the second device
determining a time parameter related to the generation of the second data;
WO 2014/195501 PCT/EP2014/061911
80
sending the second data and the time parameter to the first device to enable
the presence of a relay attack to be determined.
28. A point of interaction arranged to detect relay attacks in a communications
network between the point of interaction and a transaction device, the point of
interaction comprising an input, an output and a processor and 5 being arranged
to:
send first data from the output to the transaction device;
receive, at the input, a communication from the transaction device, the
communication comprising second data generated at the transaction device and a
10 time parameter related to the generation of the second data;
measure a total transmission time at the point of interaction between sending
the first data to receiving the communication;
determine a further time parameter related to the generation of the second
data from the measured total transmission time;
15 determine the presence of a relay attack between the point of interaction and
the transaction device in dependence on a comparison of the time parameter and
the further time parameter.
29. A transaction device comprising:
an input arranged to receive first data from a point of interaction;
20 processor arranged to generated second data and a time parameter related
to the generation of the second data;
an output arranged to output a communication to the point of interaction, the
communication comprising the second data and the time parameter.
25 30. A transaction device for interacting with a point of interaction to carry out a
transaction, the device comprising:
an input for receiving transaction data from the point of interaction;
a processor for processing received transaction data;
an output for outputting transaction data to the point of interaction
WO 2014/195501 PCT/EP2014/061911
81
wherein
the processor comprises a payment application for processing a transaction
with the point of interaction, the payment application being arranged to output
transaction data formatted according to a given data format;
the processor comprises a communication module functionally disposed
between the input and output and the payment application; and
wherein the communication module is arranged to map transaction data
received via the input to the data format of the payment application and is arranged
to reformat transaction data output from the payment application to a data format
suitable for the point of interaction, the reformatted data output from the payment
application being sent to the point of interaction via the output.
5
10
31. A transaction device as claimed in Claim 30, comprising an authentication
module arranged to establish a secure communication channel between the
payment application and the point of interaction.
32. A transaction device as claimed in Claim 31 or Claim 32, wherein the device
comprises a plurality of payment applications.
15
33. A transaction device as claimed in Claim 32, comprising a single authentication
module shared between the plurality of payment applications.
34. A transaction device as claimed in Claim 32, wherein each payment application
comprises an 20 authentication module.
35. A transaction device as claimed in any of claims 30 to 34, comprising a system
environment module arranged to determine whether a payment application is
eligible for a given transaction.
36. A transaction device as claimed in Claim 35, wherein, in the event that the
device comprises multiple payment applications, the system environment
module is arranged to compile a list of eligible payment applications for the given
transaction.
25
37. A transaction device as claimed in Claim 35 or Claim 36, wherein the system
environment module is arranged to compare transaction data received from the
point of interaction and point-of-interaction functionality data received from the
point of interaction against functionality of each payment application on the
transaction device in order to determine eligible payment applications.
30
WO 2014/195501 PCT/EP2014/061911
82
38. A method of a transaction device interacting with a point of interaction to carry
out a transaction, the device comprising an input for receiving transaction data
from the point of interaction; a processor for processing received transaction
data; and an output for outputting transaction data to the point of interaction, the
processor comprising a payment application for processing a transaction with
the point of interaction, the payment application being arranged to output
transaction data formatted according to a given data format, and the processor
comprising a communication module functionally disposed between the input
and output and the payment application; the method comprising:
5
10 receiving transaction data at the input;
mapping, at the communication module, the transaction data received
via the input to the data format of the payment application
reformatting transaction data output from the payment application to a data
format suitable for the point of interaction,
15 sending the reformatted data output from the payment application to the
point of interaction via the output.
39. A method of a point-of-interaction device carrying out a transaction with a
transaction device, the method comprising:
20 sending a point-of-interaction message to the transaction device, the pointof-
interaction message comprising: a data request component, the data request
component relating to a data request from the point-of-interaction device to the
transaction device for data relating to the transaction and a message data
component, the message data component relating to message data satisfying a
previous data request from the 25 transaction device;
receiving a transaction device message from the transaction device, the
transaction device message comprising: a data request component, the data
request component relating to a data request from the transaction device to the
point-of-interaction device for data relating to the transaction and a message
data component, the message data component relating to message data
satisfying the data request from the point-of-interaction device in the point-ofinteraction
message;
30
WO 2014/195501 PCT/EP2014/061911
83
completing the transaction on the basis of the exchanged messages.
40. A method as claimed in Claim 39, comprising exchanging a plurality of
messages with the transaction device.
41. A method as claimed in Claim 39 or Claim 40 comprising sending further point of
interaction messages and receiving further transaction 5 device messages.
42. A method as claimed in Claim 41, wherein the point of interaction device when
sending a further point of interaction message is arranged to only enclose data
objects that have been requested by the transaction device in the data request
component of the previous transaction device message.
10 43. A method as claimed in Claim 42, wherein the point of interaction device when
sending a further point of interaction message is arranged to enclose data
objects in an order requested by the transaction device in previous transaction
message.
44. A method of a transaction device carrying out a transaction with a point of
15 interaction device, the method comprising:
sending a transaction device message to the point-of-interaction device, the
transaction device message comprising: a data request component, the data
request component relating to a data request from the transaction device to the
point-of-interaction message device for data relating to the transaction and a
message data component, the message data component relating to message
data satisfying a previous data request from the point-of-interaction message
device;
20
receiving a point-of-interaction message device message from the point-ofinteraction
message device, the point-of-interaction device message comprising:
a data request component, the data request component relating to a data
request from the point-of-interaction message device to the transaction device
for data relating to the transaction and a message data component, the
message data component relating to message data satisfying the data request
from the transaction device in the transaction device message;
25
30 completing the transaction on the basis of the exchanged messages
WO 2014/195501 PCT/EP2014/061911
84
45. A message exchanged between first and second devices during a transaction
the message comprising:
a data request component, the data request component relating to a data
request from the first device to the second device for data relating to the
5 transaction and
a message data component, the message data component relating to
message data satisfying a previous data request from the second device.
46. A message as claimed in Claim 45, wherein the message data component
10 comprises no data.
47. A transaction device comprising:
an input and an output for communicating with a point of interaction
a processor arranged to process transaction data with the point of
15 interaction, the processor being in communication with a data store
wherein the processor is arranged to store transaction data relating to a
transaction in the data store during the course of the transaction and, in response to
an interruption in the transaction with the point of interaction, is arranged to retrieve
transaction data stored in the data store in order to resume the transaction with the
20 point of interaction when communications with the point of interaction are restored.
48. A transaction device as claimed in Claim 47, wherein the data store comprises a
non-volatile memory module.
49. A transaction device as claimed in Claim 48, wherein the non-volatile memory
module comprises an EEPROM module.
50. A transaction device as claimed in either Claim 48 or 49, wherein the nonvolatile
memory module comprises a secure element and the processor is
arranged to store transaction data in the secure element.
25
WO 2014/195501 PCT/EP2014/061911
85
51. A transaction device as claimed in any one of Claims 47 to 50, wherein the
processor is arranged to clear the transaction data stored in the data store
following completion of a transaction.
52. A transaction device as claimed in any one of Claims 47 to 51, wherein the
processor is arranged to store one or more of the following transaction data
types: transaction amount, transaction items, data/time data, transaction
identifier.
5
53. A transaction device as claimed in any one of Claims 47 to 52, comprising a
payment application for managing the transaction on the transaction device,
wherein the processor is arranged to store transaction data in response to
predetermined actions or decisions taken by the payment application.
10
54. A transaction device wherein the processor comprises a transaction device for
interacting with a point of interaction to carry out a transaction as claimed in any
one of claims 30 to 37.
15 55. A method of operating a transaction device, the transaction device comprising:
an input and an output for communicating with a point of interaction and a
processor arranged to process transaction data with the point of interaction, the
processor being in communication with a data store, the method comprising:
storing transaction data relating to a transaction in the data store during the
20 course of the transaction
and in response to an interruption in the transaction with the point of
interaction, retrieving transaction data stored in the data store in order to resume
the transaction with the point of interaction.
56. A carrier medium for carrying a computer readable code for controlling a
transaction device to carry out the method of any one of Claims 17, 18, 27, 38,
44, 55.
25
57. A non-transitory computer-readable storage medium storing executable
computer program instructions implementing any of Claims 17, 18, 27, 38, 44,
55.