Patent ID: 8608064
Filing Date: 2013-12-17
Classification: G06Q,G07F,H04L

Abstract:
1. An payment system of IC card, which includes a host, a terminal, and an IC card, wherein the IC card communicates with the terminal via an interface device, and the terminal connects with the host via a communication interface; wherein during a transaction, the terminal and the IC card performs data authentication using an asymmetric key algorithm; and further wherein the terminal includes a terminal data authentication module to send dynamic application data that includes a signatured data format, an identification of a hash algorithm, and IC card dynamic data to the IC card as an input of a hash operation; to receive signed data, a public key certificate of a card issuer, and a public key certificate of the IC card from the IC card; to decrypt, using a Certificate Authority (CA) public key, the public key certificate of the card issuer so that the public key of the card issuer is restored; to decrypt the public key certificate of the IC card using the restored public key of the card issuer so that the public key of the IC card is restored; to decrypt the data signed by a private key of the IC card using the restored public key of the IC card to obtain decrypted signed data of the hash operation; and to compare the decrypted signed data with a result of the hash operation of plaintext data.