Cryp Unit 3 Web Security
Cryp Unit 3 Web Security
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TLS (Transport Layer Security)
• IETF standard RFC 2246 similar to SSLv3
• with minor differences
– in record format version number
– uses HMAC for MAC
– a pseudo-random function expands secrets
– has additional alert codes
– some changes in supported ciphers
– changes in certificate negotiations
– changes in use of padding
Secure Electronic Transactions
(SET)
• open encryption & security specification
• to protect Internet credit card transactions
• developed in 1996 by Mastercard, Visa etc
• not a payment system
• rather a set of security protocols & formats
– secure communications amongst parties
– trust from use of X.509v3 certificates
– privacy by restricted info to those who need it
SET Components
SET Transaction
1. customer opens account
2. customer receives a certificate
3. merchants have their own certificates
4. customer places an order
5. merchant is verified
6. order and payment are sent
7. merchant requests payment authorization
8. merchant confirms order
9. merchant provides goods or service
10. merchant requests payment
Dual Signature
• customer creates dual messages
– order information (OI) for merchant
– payment information (PI) for bank
• neither party needs details of other
• but must know they are linked
• use a dual signature for this
– signed concatenated hashes of OI & PI
Purchase Request – Customer
Purchase Request – Merchant
Purchase Request – Merchant
1. verifies cardholder certificates using CA sigs
2. verifies dual signature using customer's public
signature key to ensure order has not been
tampered with in transit & that it was signed
using cardholder's private signature key
3. processes order and forwards the payment
information to the payment gateway for
authorization (described later)
4. sends a purchase response to cardholder
Payment Gateway Authorization
1. verifies all certificates
2. decrypts digital envelope of authorization block to obtain
symmetric key & then decrypts authorization block
3. verifies merchant's signature on authorization block
4. decrypts digital envelope of payment block to obtain
symmetric key & then decrypts payment block
5. verifies dual signature on payment block
6. verifies that transaction ID received from merchant
matches that in PI received (indirectly) from customer
7. requests & receives an authorization from issuer
8. sends authorization response back to merchant
Payment Capture
• merchant sends payment gateway a
payment capture request
• gateway checks request
• then causes funds to be transferred to
merchants account
• notifies merchant using capture response
Summary
• have considered:
– need for web security
– SSL/TLS transport layer security protocols
– SET secure credit card payment protocols