摘要
文中针对现有磁性银行卡系统存在的伪卡隐患和IC银行卡的高成本,提出一种具有与IC银行卡同样高防伪性,同时兼备低成本的磁性银行卡身份认证系统。该系统基于JUNA轻量级数字签名技术,即用私钥对客户信息(含身份证号)进行签名,用生成的JUNA数字身份替代CVV码存储在磁道中,以确保银行和卡之间是发行和被发行的关系,并且以身份证作为安全可信根,在ATM机中加入居民身份证验证模块,保证客户和卡之间是持有和被持有的关系,从而能真正防止银行卡的伪造。由于该系统是基于现有磁性银行卡系统的改进,所以成本相较于IC银行卡系统大幅降低。分析表明,该系统具有易操作、低成本、高防伪的特性,推广性较强。
Aiming at the security trouble of existent magnetic bankcards and the high cost of IC bankcards, the authors propose a bankcard identity authentication system prototype which is compatible with lowly costing magnetic bankcards, and has the same high security as IC bankcards. The system is based on the JUNA lightweight signing scheme, uses a private key to sign a customer record（including the ID number）, and stores the ]UNA signature which supersedes a CVV code to a magnetic track so as to assure the consistent relation of a bankcard and its issuing bank. Meanwhile the system regards an ID card as a credible root, and inserts a verification module for 1D cards into an ATM so as to assure the consistent relation of a customer and his bankcard. In this way, bankcards can really be prevented from being forged. Because the system is only an improvement of the existent magnetic bankcard system, cost is greatly lower than the IC bankcard system. The analysis shows that the system has convenient manipulability, low cost, and high anti-forgery, and is easy to promote.
出处
《信息安全与通信保密》
2014年第3期88-92,共5页
Information Security and Communications Privacy
关键词
数字身份
防伪
成本
兼容
居民身份证
Digital identity
IDcard
Bankcardanti-forgery
Cost
Compatibility
