INTERNET-DRAFT Donald E. Eastlake 3rd Expires: 7 January 1996 CyberCash Brian Boesch CyberCash Steve Crocker CyberCash Magdalena Yesil CyberCash 8 July 1995 CyberCash Credit Card Protocol Version 0.8 --------- ------ ---- -------- ------- --- Status of This Document This draft, file name draft-eastlake-cybercash-v08-00.txt, is intended to be become an Informational RFC. Distribution of this document is unlimited. It does not specify a standard but is intended for the information of the Internet community. Comments should be sent to dee@cybercash.com. This document is an Internet-Draft. Internet-Drafts are working documents of the Internet Engineering Task Force (IETF), its areas, and its working groups. Note that other groups may also distribute working documents as Internet-Drafts. Internet-Drafts are draft documents valid for a maximum of six months. Internet-Drafts may be updated, replaced, or obsoleted by other documents at any time. It is not appropriate to use Internet- Drafts as reference material or to cite them other than as a ``working draft'' or ``work in progress.'' To learn the current status of any Internet-Draft, please check the 1id-abstracts.txt listing contained in the Internet-Drafts Shadow Directories on ds.internic.net, nic.nordu.net, ftp.isi.edu, munnari.oz.au, or ftp.is.co.za. Eastlake, Boesch, Crocker, Yesil [Page 1] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Abstract CyberCash is developing a general payments system for use over the Internet. The structure and communications protocols of version 0.8 are described. This version includes credit card payments only. Additional capabilities are planned for future versions. This document covers only the current CyberCash system which is one of a few operational systems in the rapidly evolving area of Internet payments. CyberCash is committed to the further development of its system and to cooperation with the Internet Engineering Task Force and other standards organizations. Acknowledgements The significant contributions of the following persons (in alphabetic order) to this protocol are gratefully acknowledged: Bruce Binder, Judith Grass, Alden Hart, Steve Kiser, Steve Klebe, Garry Knox, Tom Lee, Bob Lindenberg, Jim Lum, Bill Melton, Denise Paredes, Prasad, Fred Silverman, Bruce Wilson, Garland Wong, Wei Wu, Mark Zalewski. Eastlake, Boesch, Crocker, Yesil [Page 2] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Table of Contents Status of This Document....................................1 Abstract...................................................2 Acknowledgements...........................................2 Table of Contents..........................................3 1. Overall System..........................................5 1.1 System Overview........................................5 1.2 Security Approach......................................6 1.2.1 Authentication and Persona Identity..................6 1.2.2 Privacy..............................................7 1.3 Credit Card Operation..................................7 2. General Message Wrapper Format..........................9 2.1 Message Format.........................................9 2.1 Details of Format......................................9 2.2 Body Parts............................................10 2.3 Transparent Part......................................11 2.4 Opaque Part...........................................11 2.5 Trailer...............................................12 2.6 Example Messages......................................12 3. Signatures and Hashes..................................14 3.1 Digital Signatures....................................14 3.2 Hash Codes............................................14 4. Specific Message Formats...............................16 4.1 Persona Registration and Application Retrieval........16 4.1.1 R1 - registration...................................16 4.1.2 R2 - registration-response..........................17 4.1.3 GA1 - get-application...............................18 4.1.4 GA2 - get-application-response......................19 4.2 Binding Credit Cards..................................20 4.2.1 BC1 - bind-credit-card..............................20 4.2.2 BC4 - bind-credit-card-response.....................22 4.3 Customer Credit Card Purchasing Messages..............23 4.3.1 PR1 - payment-request...............................23 4.3.2 CH1 - credit-card-payment...........................25 4.3.3 CH2 - charge-card-response..........................26 4.4 Merchant Credit Card Purchasing Messages..............27 4.4.1 CM1 - auth-only.....................................28 4.4.2 CM2 - auth-capture..................................30 3.4.3 CM3 - post-auth-capture.............................30 4.4.4 CM4 - void..........................................32 4.4.5 CM5 - return........................................33 4.4.6 CM6 - charge-action-response........................34 4.4.7 The MM* Message Series..............................36 Eastlake, Boesch, Crocker, Yesil [Page 3] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 4.4.8 CD1 - card-data-request.............................36 4.4.9 CD2 - card-data-response............................38 4.5 Utility and Error Messges.............................39 4.5.1 P1 - ping...........................................40 4.5.2 P2 - ping-response..................................40 4.5.3 TQ1 - transaction-query.............................41 4.5.4 TQ2 - transaction-cancel............................42 4.5.5 TQ3 - transaction-response..........................43 4.5.6 UNK1 - unknown-error................................45 4.5.7 DL1 - diagnostic-log................................47 4.5.8 DL2 - merchant-diagnostic-log.......................48 4.6 Table of Messages Described...........................49 5. Future Development.....................................51 6. Security Considerations................................52 References................................................52 Authors Addresses.........................................53 Expiration and File Name..................................53 Eastlake, Boesch, Crocker, Yesil [Page 4] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 1. Overall System CyberCash, Inc. of Reston, Virginia was founded in August of 1994 to partner with financial institutions and providers of goods and services to deliver a safe, convenient and inexpensive system for making payments on the Internet. The CyberCash approach is based on establishing a trusted link between the new world of cyberspace and the traditional banking world. CyberCash serves as a conduit through which payments can be transported quickly, easily and safely between buyers, sellers and their banks. Significantly Q much as it is the real world of commerce Q the buyer and seller need not have any prior existing relationship. As a neutral third party whose sole concern is ensuring the delivery of payments from one party to another, CyberCash is the linchpin in delivering spontaneous consumer electronic commerce on the Internet. 1.1 System Overview The CyberCash system will provide several separate payment services on the Internet including credit card and electronic cash. To gain access to CyberCash services, consumers need only a personal computer with a network connection. Similarly, merchants and banks need make only minimal changes to their current operating procedures in order to process CyberCash transactions, enabling them to more quickly integrate safe on-line payments into their existing service offerings. Communications with banks are over existing financial communications networks. To get started, consumers download free software from CyberCash on the Internet. This software establishes the electronic link between consumers, merchants and their banks as well as between individuals. To make gaining access to the CyberCash system even easier, CyberCash "PAY" buttons may be incorporated into popular on-line service and software graphical user interfaces so that consumers using these products can easily enter the CyberCash system when they are ready to make payments for goods and services. Consumers need not have any prior relationship with CyberCash to use the CyberCash system. They can easily set up their CyberCash persona on-line. Transactions are automated in that once the consumer enters appropriate information into his own computer, no manual steps are required to process authorization or settlement transactions through the entire system. The consumer need only initiate payment for each transaction by exercising the pay option on a CyberCash electronic form. Transactions are safe in that they are cryptographicly protected from tampering and modification by eavesdroppers. And they are private in that information about the consumer not relevant to Eastlake, Boesch, Crocker, Yesil [Page 5] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 the transaction is not visible to the merchant. 1.2 Security Approach The CyberCash system pays special attention to security issues. It uses encryption technology from the world's leading sources of security technology and is committed over time to employing new security technologies as they emerge. 1.2.1 Authentication and Persona Identity Authentication of messages is based on Public Key encryption as developed by RSA. The CyberCash Server maintains records of the public key associated with every customer and merchant persona. It is thus able to authenticate any information digitally signed by a customer or merchant regardless of the path the data followed on its way to the server. The corresponding private key, which is needed to create such digital signatures, will be held by the customer or merchant and never revealed to other parties. In customer software, the private key is only stored in an encrypted form protected by a passphrase. While the true CyberCash identity of a customer or merchant is determined by their public/private key pair, such keys are too cumbersome (over 100 hex digits) to be remembered or typed by people. So, the user interface utilizes short alphanumeric IDUs selected by the user or merchant for purposes of specifying a persona. CyberCash adds check digits to the requested ID to minimize the chance of accidental wrong persona selection. Persona IDUs are essentially public information. Possession of an persona ID without the corresponding key is of no benefit in the current system. Individuals or organizations may establish one or more CyberCash customer personas directly with CyberCash. Thus, an individual may have several unrelated CyberCash personas or share a CyberCash persona with other individuals. This approach provides a degree of privacy consistent with Internet presence generally and with cash transactions specifically. However, persona holders who wish to use a credit for purchases in conjunction with their CyberCash persona must first meet such on-line identification criteria as the card issuing organization requires. Control over a CyberCash persona is normally available only to an entity that possesses the private key for that persona. However, a special provision is made to associate an emergency close out passphrase with a CyberCash persona. On receipt of the emergency Eastlake, Boesch, Crocker, Yesil [Page 6] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 close out passphrase, even if received over insecure channels such as a telephone call or ordinary email, CyberCash will suspend activity for the CyberCash persona. This emergency close-out passphrase can be stored separately from and with somewhat less security than the private key for the persona since the emergency passphrase can not be used to divert funds to others. This provides some protection against loss or misappropriation of the private key or the passphrase under which the private key in kept encrypted. In the cash system, the emergency close-out passpharase may also transfer the persona balance to a designated bank account. 1.2.2 Privacy Encryption of messages use the Digital Encryption Standard (DES), commonly used in electronic payment systems today. Particularly sensitive information, such as PIN numbers, will be superencrypted (i.e., encrypted more than one level) and handled so that the plain text readable version never exists in the CyberCash system except momentarily, within special purpose secure cryptographic hardware that is part of the server, before being re-encrypted under another key. The processing of card charges through the CyberCash system is organized so that the merchant never learns the customerUs credit card number unless the merchantUs bank chooses to release this information to the merchant or it is required for dispute resolution. In addition, the server maintains no permanent storage of card numbers. They are only present while a transaction involving that card is in progress. These practices greatly reduce the chance of card number misappropriation. 1.3 Credit Card Operation Using the CyberCash system for credit card transactions, once price has been negotiated and the consumer is ready to purchase, the consumer simply clicks on the CyberCash "PAY" button displayed on the merchant interface, which invokes the merchant CyberCash software. The merchant sends the consumer an on-line invoice that includes relevant purchase information which appears on the customerUs screen. (See PR1 message.) The consumer adds his credit card number and other information by simple selecting from a list of credit cards he has registered to his CyberCash persona. All this information is digitally signed by the customer, encrypted, and passed, along with a hash code of the invoice as seen by the customer, to the merchant. (See CH1 message.) Eastlake, Boesch, Crocker, Yesil [Page 7] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Upon receipt, the merchant adds additional authorization information which is then encrypted, electronically signed by the merchant, and sent to the CyberCash Server. (See CM1 message.) The CyberCash Server can authenticate all the signatures and be sure that the customer and merchant agree on the invoice and charge amount. The CyberCash Server then forwards the relevant information to the acquiring bank along with a request on behalf of the merchant for a specific banking operation such as charge authorization. The bank decrypts and then processes the received data as it would normally process a credit card transaction. The bankUs response is returned to the CyberCash Server which returns an electronic receipt to the merchant (see CM6 message) part of which the merchant is expected to forward to the customer (see CH2 message). The transaction is complete. Eastlake, Boesch, Crocker, Yesil [Page 8] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 2. General Message Wrapper Format Version 0.8 of the external format for the encoding of CyberCash messages is described below. CyberCash messages are stylized documents for the transmission of financial data over the Internet. While there are numerous schemes for sending information over the Internet (HTTP, SMTP, and others), each is attached to a specific transmission mechanism. Because CyberCash messages will need to travel over each of these media (as well as others) a transmission independent mechanism is needed. 2.1 Message Format CyberCash messages consist of the following components: 1. Header - defines the start of the CyberCash message and includes version information. 2. Transparent Part - contains information that is not private. 3. Opaque Part - contains the financial information in the message and is both privacy protected as well as tamper protected. The opaque part is not present in some messages. When present, the opaque part also provides tamper protection for the transparent part. 4. Trailer - defines the end of the CyberCash message and includes a check value to enable the receiver to determine that the message has arrived undamaged. Note: this check value is intended only to detect accidental damage to the message, not deliberate tampering. No null characters (zero value) or characters with the eighth bit on are permitted inside a CyberCash message. "Binary" quantities that might have such byte values in them are encoded in base64 as described in RFC 1521. 2.1 Details of Format The header consists of a single line which looks approximately like this $$-CyberCash-0.8-$$ or like this $$-CyberCash-1.2.3-Extra-$$ Eastlake, Boesch, Crocker, Yesil [Page 9] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 It includes a number of fields separated with the minus character "-" 1. "$$" - the literal string with the initial $ in column 1. 2. "CyberCash" - the literal string (case insensitive) 3. x.y or x.y.z - the version number of the message format. 4. "Extra" - an optional additional alphanumeric string. 5. "$$" - the literal string Version numbers start at 0.7 and count up. The ".z" is omitted when z is zero. 0.7 and 0.8 are the test and initial shipped version of the credit card system. 0.9 and 1.0 are expected to also incorporate the test and initial shipped versions of the cash facilities as well as improvements to the credit card system. The Extra string is used within secure environments so that one subcomponent can scribble a note to another with minimum overhead. For example, a server firewall could put "HTTP" or "SMTP" here before forwarding the message to the core server within the firewall perimeter. 2.2 Body Parts The body parts of the message (both transparent and opaque) consist of attribute value pairs in formats that are reminiscent of the standard electronic mail header (RFC822) format. However, there are some differences. Attribute names start with and are composed predominantly of letters and internal hyphens except that they sometimes end with a hyphen followed by a number. Such a trailing number is used when there is logically an indexed vector of values. Attribute names are frequently referred to as labels. If the label ends with a ":", then RFC822 processing is done. While the existence of trailing white space is significant, all leading white space on continuation lines is stripped. Such lines are wrapped at 64 characters in length, excluding any line termination character(s). However, if the label is terminated with a ";", this indicates a free-form field where new-line characters and any leading white space, after the initial space that indicates a continuation line, is significant. Such lines should not be wrapped except that, to avoid other processing problems, they are forcibly wrapped at 200 Eastlake, Boesch, Crocker, Yesil [Page 10] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 characters. Blank lines are ignored and do not signify a change to a different mode of line handling. Another way of looking at the above is as follows: after having found an initial $$ start line, you can treat any following lines according to the first character. If it is alphanumeric, it is a new label which should be terminated with a ":" or ";" and indicates a new label-value pair. If it is a white space character, it indicates the continuation of the value for the preceding new label line. (Exactly how the continuation is processed depends on the label termination character.) If it is "$", it should be the end line for the message. If it is #, it is a comment line and should be ignored. Other initial characters are undefined. (As of this date, no software sends CyberCash messages with # lines but they are convenient for commenting messages stored in files.) 2.3 Transparent Part The transparent part includes any clear-text data associated with the financial transaction as well as information needed by CyberCash and others to decrypt the opaque parts. It always includes a transaction field which is the transaction number generated by the requester and is repeated in the response. It always includes a date field that is the local date and time at the requester and is repeated in the response. In all cases other than an initial registration to establish a persona ID, it includes the requesters persona ID. 2.4 Opaque Part The opaque part consists of a single block of characters encoded using base64 encoding (see RFC 1521). The data in the opaque section is always encrypted before encoding. The label "opaque" or "merchant-opaque" precedes the opaque part. On messages inbound to the server, the data to be opaqued is encrypted under a random session key and then that DES key is RSA encrypted under one of the server's public keys. The corresponding outbound reply can simply be DES encrypted under this session key as there is enough plain text information to identify the session and the customer or merchant will have remembered the session key from the inbound message. Eastlake, Boesch, Crocker, Yesil [Page 11] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 2.5 Trailer The trailer is intended to close the message and provide a definitive and parseable end of the message. The trailer consists of several fields separated by "-" as in header. 1. "$$" - literal string. 2. "CyberCash" - literal string (case insensitive). 3. "End" - literal string (case insensitive). 4. transmission checksum. 5. "$$" - literal string. The transmission checksum is the MD5 has of all printable characters in the version number in the start line and those appearing after the second $$ of the start line and before the first $$ of the trailer line as transmitted. Note that all white space is left out of this hash, including any new-lines, spaces, tabs, carriage returns, etc. The exact label terminators actually used (: or ;) are included as would any # comment line. Note that the optional "Extra" string in the $ start line is not included. The idea is to check correct transmission while avoiding sensitivity to gateways or processing that might change the line terminator sequence, convert tabs to spaces, or the like. 2.6 Example Messages Simple message from a client: $$-CyberCash-0.8-$$ id: DONALD-69 transaction: 918273645 date: 199512250102 opaque: ABCEDSUDSAKJDSALKJSALKJSADLKASJASDJIIClaksdjiLADjlasdji34 DAJKASLKDJIWalkdlakdlakLAKsdalkjdlKaldjlakdakjakldskajlkj adsjlsdkdlaskdjaksldjalksjdlsakdjlsakjdlkjskalkjalsdjlkjj alkjda= $$-End-CyberCash-End-jkn38fD3+/DFDF3434mn10==-$$ Eastlake, Boesch, Crocker, Yesil [Page 12] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Message from a merchant: $$-CyberCash-a.b.c-extra-$$ merchant-ccid: acme-69 merchant-date: 19951231115959 merchant-transaction: 987654321 label: value labelx: multiple line value... # comment # another comment line label; text with a real multi-line format ! merchant-opaque: ABCEDSUDSA+/KJDSALKJSALKJSADLKASJASDJIICla DAJKASLKDJIWalkdlakdlakLAKsdalkjdlKaldjlakdakjakldskajlkj adsjlsdkdlaskdjaksldjalksjdlsakdjlsakjdlkjskalkjalsdjlkjj alkjda= $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ Eastlake, Boesch, Crocker, Yesil [Page 13] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 3. Signatures and Hashes Inbound CyberCash request messages normally have a signature, as described below, of all of the messages fields outside of the signature. This signature is transmitted inside the opaque part of the message. It enables the server to authenticate the source of the message. Messages from a merchant to a client initiating a purchase sequence have fields signed by the merchant. These fields and this signature are included by the client in the opaque part of their card purchase message to the merchant so that, when all is passed on to the server, it can verify that the client saw the information the merchant intended. More information on CyberCash signatures and the hash codes they are based on, is given below. 3.1 Digital Signatures Digital signatures are a means of authenticating information. In CyberCash messages, they are calculated by first taking the hash of the data to be authenticated, as described below, and then encoding the hash using an RSA private key. Anyone possessing the corresponding public key can then decrypt the hash and compare it with the message hash. If they match, then you can be sure that the signature was generated by someone possessing the private key which corresponded with the public key you used and that the message was not tampered with. In the CyberCash system, clients, merchants, and the server have public-private key pairs. By keeping the private key secret and registering their public key with the server (for a merchant or client) or publishing their public key or keys (for the server), they can provide high quality authentication by signing parts of messages. An RSA digital signature is approximately the size of the modulus used. For example, if that is 768 bits long, then the binary digital signature would be 768 bits or 96 bytes long and its base 64 encoding would be 128 bytes. 3.2 Hash Codes The hashes used in CyberCash messages are message digests. That is, a non-invertable fingerprint of a message such that it is Eastlake, Boesch, Crocker, Yesil [Page 14] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 computationally infeasible to find an alternate message with the same hash. Thus the relatively small hash can be used to secure a larger message. If you are confident in the authenticity of the hash and are presented with a message which matches the hash, you can be sure it is the original message, at least as regards all aspects that have been included in the hash. The hash is calculated using the MD5 algorithm (see RFC 1321) on a synthetic message. The synthetic message is composed of the labels and values specified in a list for the particular hash. Since the hash is input order dependent, it is essential that the label-value pairs be assembled in the order specified. In some cases, a range of matching labels is specified. For example, Rcard*S to match card- number, card-expiration-date, and all other labels starting with RcardS. In such cases, all existing matching labels are used in ascending alphabetic order by ASCII character code. If a label is specified in a signature list but is not present in the label-value data on which the hash is being calculated, it is not included in the hash at all. That is, even the label and label terminator are omitted from the synthetic message. Before being hashed, the text of the synthetic message is processed to remove all Rwhite spaceS characters. White space characters are defined as any with an ASCII value of 32 (space) or less. Thus all forms of new-line/carriage-return and distinctions such as blank lines, trailing spaces, replacement of a horizontal tab character by multiple spaces, etc., are ignored for hash purposes. MD5 hashes are 16 bytes long. This means that the base 64 encoding of such a hash will be 24 characters (of which the last two will always be padding equal signs). Eastlake, Boesch, Crocker, Yesil [Page 15] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 4. Specific Message Formats This section describes the formats of the Verison 0.8 CyberCash messages by example with comments. The reader in assumed to be familiar with terms such as "acquirer", "PAN" (primary account number), etc., defined in ISO 8583, and currency designations as defined in ISO 4217. A few fields not relevant to current operations have been removed to simplify this exposition. In the following example messages, signatures, hashes, and encrypted sections are fake nonsense text and ids are fictitious. 4.1 Persona Registration and Application Retrieval The first step in customer use of CyberCash is registering a persona using the customer application. This is done with the R1 message defined below. The CyberCash server responds with the R2 message. When the customer application learns that it is out of date, it can use the GA1 request message to the server and its GA2 response to download a new signed version of itself. 4.1.1 R1 - registration Description: This is the initial message sent to create a new CyberCash persona. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ transaction: 123123213 date: 19950121100505.nnn cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7n4 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Eastlake, Boesch, Crocker, Yesil [Page 16] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Opaque Key: Generated using CyberCash encrypting public key identified in CyberKey. ##################################################################### Opaque Section Contents: type: registration swversion: 0.8win content-language: en-us requested-id: MyRequestedCCID email: myemail@myemailhost.com pubkey: aslfjflasdflasj;lfdjsl;afkjfjslakjf;ldskaj;flkajs;ldfjlaskf aslfjflasdflasj;lfdjsl;afkjfjslakjf == signature: alsdjflsajflksjdlkfjlsakjflkdsajflksjfjslakjf;ldskaj;jfj slakjf;ldskaj;djlfasd=== ##################################################################### signature is of the following fields: transaction, date, cyberkey, type, swversion, content-language, requested-id, email, pubkey ##################################################################### Explanation: content-language is taken from the MIME header field. (see RFC1766) and is the language text messages should be generated in. (only en-us implemented at this time. swversion used to check if client application is old. 4.1.2 R2 - registration-response Description: This message gives the success/failure response to R1. ##################################################################### Sender: CyberServer Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ transaction: 12312313 date: 19950121100505.nnn opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ Eastlake, Boesch, Crocker, Yesil [Page 17] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Opaque Key: Same as session key for R1 for same Transaction and connection (there may be no ID!). ##################################################################### Opaque Section Contents: type: registration-response server-date: 19950121100506.nnn requested-id: MyRequestedCCID response-id: CyberCashHandle email: myemail@myemailhost.com response-code: success/failure/etc. pubkey: aslfjflasdflasj;lfdjsl;afkj;ldkfjslakjf;ldskslakjf;ldskslakjf; ldskslakjf;ldskslakjf;ldskaj;flkajs;ldfjlaskf== swseverity: fatal/warning [absent if ok] swmessage; Tells CyberApp that it is obsolete. Display this text to the user. [only present if SWSeverity present] message; Free text of the error/success condition. This text is to be displayed to the person by the CyberCash application... In general this includes: duplicate-id, bad-signature, or ill-formed-registration ##################################################################### Signature is of the following fields: no-signature ##################################################################### Explanation: responseid is used to suggest a unique ID if the failure was due to the requested ID being already in use... If the reason for failure was not due to duplicate ID then this field may be omitted. responseid gives the actual ID with check characters appended if success. swseverity can warn user of old client application or indicate failure due to old or known buggy version. 4.1.3 GA1 - get-application Description: Used by CyberApp to get an updated version. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Eastlake, Boesch, Crocker, Yesil [Page 18] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Sample Message: $$-CyberCash-0.8-$$ transaction: 123123213 date: 19950121100505.nnn cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 3ard3Q== $$-CyberCash-End-0QXqLlNxrn4GNQPPk9AO1Q==-$$ ##################################################################### Opaque Key: Generated using CyberCash encrypting public key identified in CyberKey. ##################################################################### Opaque Section Contents: type: get-application swversion: 0.8win ##################################################################### Signature is of the following fields: no signature ##################################################################### Explanation: There may not be a customer persona so there is no ID. There may not be a customer public/private key pair so there is no signature. The swversion is mandatory so the server can tell what to return. 4.1.4 GA2 - get-application-response Description: Return success and URL of up to date copy of CyberApp or failure. ##################################################################### Sender: CyberServer Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ transaction: 12312313 date: 19950110102333.nnn opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg Eastlake, Boesch, Crocker, Yesil [Page 19] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 3ard3Q== $$-CyberCash-End-0QXqLlNxrn4GNQPPk9AO1Q==-$$ ##################################################################### Opaque Key: session key from GA1 ##################################################################### Opaque Section Contents: type: get-application-response server-date: 19950110102334.nnn response-code: success/failure/etc. message; Text message to be displayed to the user providing more information on the success/failure. swversion: 0.8win application-url: http://foo.cybercash.com/server/0.8WIN.EXE application-hash: lSLzs/vFQ0BXfU98LZNWhQ== ##################################################################### Signature: none. ##################################################################### Explanation: application-hash is the MD5 of the binary of the application. application-url & application-hash omitted on failure. swversion is the version being transmitted to the customer. 4.2 Binding Credit Cards The CyberCash system is design to give the card issuing organization control over whether a card may be used via the CyberCash system. The customer, after having registered a persona with CyberCash as described above, must then bind each credit card they wish to use to their CyberCash persona. This is done via the BC1 message from the customer to their CyberCash server and the BC4 response from the server. 4.2.1 BC1 - bind-credit-card Description: This is the initial message in the process of binding a credit card to a CyberCash persona. Eastlake, Boesch, Crocker, Yesil [Page 20] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: MyCyberCashID date: 19950121100505.nnn transaction: 12312314 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: generated from CyberCash encryption key identified in CyberKey ##################################################################### Opaque Section Contents: type: bind-credit-card swversion: 0.8win card-number: 1234567887654321 card-type: mastercard card-salt: 46735210 card-expiration-date: 05/99 card-name: John Q. Public card-street: card-city: card-state: card-postal-code: card-country: signature: sjadlkasl;f;lksaj;lfjs;lfjsldfjl;lfjs;lfjsldfjl;lfjs;lfjsl ;lfjs;lfjsldfjl;lfjs;lfjsldfjlskflsajfsa== ##################################################################### signature is of the following fields: id, date, transaction, cyberkey, type, swversion, card-number, card-salt, card-expiration-date, card-name, card-street, card-city, card-state, card-postal-code, card-country ##################################################################### Explanation: salt is needed so that the hash stored at the server is less Eastlake, Boesch, Crocker, Yesil [Page 21] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 informative. Server just remembers the "prefix" of the card number and the hash of the combined card number and salt. If it just hashed the card number, it would be recoverable with modest effort by trying to hash all plausible numbers. We don't want to store the card numbers on the server because it would make the server files too valuable to bad guys. 4.2.2 BC4 - bind-credit-card-response Description: Indicates that the process of binding a credit card terminated. Returns success or failure. ##################################################################### Sender: CyberServer Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: mycybercashid transaction: 12312314 date: 19950121100505.nnn opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: Session key from BC1 with same Transaction and ID ##################################################################### Opaque Section Contents: type: bind-credit-card-response server-date: 19950121100506.nnn swseverity: fatal/warning [absent if ok] swmessage; message about obsoleteness of customer software to be shown to the customer. [only present if SWSeverity present] response-code: success/failure/etc. card-number: 1234567887654321 card-type: visa card-salt: 47562310 card-expiration-date: 01/99 card*: [other card* lines to also be given in CH.1 message] message; Plain text for the user Eastlake, Boesch, Crocker, Yesil [Page 22] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 can be multiple lines ##################################################################### Signature is of the following fields: no-signature ##################################################################### Explanation: All the card* lines can be saved as a blob to be submitted in CH.1. card-expiration-date, card-number, card-salt, and card-type should always be present. Depending on reason for failure, not all fields may be present. 4.3 Customer Credit Card Purchasing Messages In general, CyberCash involvement in the credit card purchasing cycle starts after the user has determined what they are buying. When they click on the CyberCash payment button, a PR1 message is sent by the merchant to the customer as the body of a message of MIME type application/cybercash. If the customer wishes to proceed, they respond to the merchant with a CH1. The merchant responds with a CH2 but between the receipt of the CH1 and issuance of the CH2, the merchant usually communicates with the CyberCash server via the CM* messages. 4.3.1 PR1 - payment-request Description: This message is the first message that is defined by CyberCash in the purchase from a merchant process. The shopping has completed. Now we are at the point of paying for the purchases. ##################################################################### Sender: MerchantApp Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ type: payment-request merchant-ccid: ACME-012 merchant-order-id: 1231-3424-234242 merchant-date: 19950121100505.nnn note; ACME Products Purchase of 4 pairs "Rocket Shoes" at $39.95 ea. Eastlake, Boesch, Crocker, Yesil [Page 23] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Shipping and handling $5.00 Total Price: 164.80 Ship to: Wily Coyote 1234 South St. Somewhere, VA 12345 merchant-amount: usd 164.80 accepts: visa:CC001, master:CC001,amex:CC001,JCPenny:VK005,macy:VK006 url-pay-to: http://www.ACME.com/CybercashPayment url-cancel: http://www.ACME.com/CyberPaymentCancel url-success: http://www.ACME.com/ordersuccess url-fail: http://www.ACME.com/orderfail merchant-signed-hash: asfkjslkjflskdfjwerwerwrlkwfjwerwerwrlkwfjwerwer rwerwrlkwjrlkjwlejrjwelrkwk= $$-CyberCash-End-lSLzs/vFQ0BXfU98LZNWhQ==-$$ ##################################################################### Opaque Key: no opaque section ##################################################################### Opaque Section Contents: no opaque section ##################################################################### merchant-signed-hash is the signature under the merchant's private key of the hash of the following fields: type, merchant-ccid, merchant-order-id, date, note, merchant-amount, accepts, url-pay-to, url-cancel, url-success, url-fail ##################################################################### Explanation: This message is signed by the merchant but the customer cannot directly verify this signature. When the payment is made, the Customer includes the signature with the hash (derived by the customer directly) in the payment. If these do not match, the CyberCash will not perform the payment function. accepts: The client software will only recognized single word card name in the accepts field of PR1. For example, MasterCard AmericanExpress are recognized where as Master card American express are not recognized. MasterCard and masterCard are both recognized as master card. Card type followed by key designator. For main line credit cards, this will be a CC*. Client can use or ignore the * number as it chooses. For proprietary card, this will be VK* where * is the CheckFree key to use (1 based). Cards separated by comma, Eastlake, Boesch, Crocker, Yesil [Page 24] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 key designator follows card type and colon. 4.3.2 CH1 - credit-card-payment Description: This message represents the presentation of a "credit card for payment". ##################################################################### Sender: CyberApp Receiver: MerchantApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ type: card-payment id: myCyberCashID order-id: 1231-3424-234242 merchant-ccid: ACME-012 transaction: 78784567 date: 19950121100505.nnn pr-hash: kjdsalfjlejelkjeljwlkjerljweklkjerljweklkjerljweklkjerljwekl jerljwekrlwekrjlwekjfwe== pr-signed-hash: sfljlkjflkjseljljljkjseljljljkjseljljljkjseljljljkjse jljkjseljljljwlkjrwlejrlwkjlerkjwelr= cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Opaque Key: Created using CyberCash encrypting public key in CyberKey. ##################################################################### Opaque Section Contents: swversion: 0.8win amount: usd 10.00 card*: [from successful BC4 (includes card-expiration-date, card-number, card-type, and card-salt)] signature: dfdsfffffsfdZydMAGVasdflkkjasdflkkjasfdlkjasdflkajsdlfkjas fjaAqbat2d6hlC/mSw== ##################################################################### Eastlake, Boesch, Crocker, Yesil [Page 25] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 signature is under client private key of the following fields: type, id, order-id, merchant-ccid, transaction, date, pr-hash, pr-signed-hash, cyberkey, swversion, amount, card* 4.3.3 CH2 - charge-card-response Description: Return to customer from a CH1 attempt to pay via credit card. Indicates success/failure. ##################################################################### Sender: MerchantApp Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ type: charge-card-response merchant-ccid: ACME-012 id: myCyberCashID transaction: 78784567 date: 1995121100500.nnn merchant-date: 19950121100505.nnn merchant-response-code: failure/success/etc. pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljljkjseljljljkjseljljljkjseljljljkjse jljkjseljljljwlkjrwlejrlwkjlerkjwelr= merchant-message; This is a message to display to the user from the merchant. Can be multiple lines... Is not secure. opaque: [might not be present, see explanation] iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Opaque Key: Same customer session key from CH1 passed through CM1 for ID and Transaction ##################################################################### Opaque Section Contents (from CM.6): server-date: 19950121100706.nnn amount: usd 10.00 order-id: 1231-3424-234242 card*: [from successful BC4] Eastlake, Boesch, Crocker, Yesil [Page 26] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 response-code: failure/success/etc. swseverity: fatal/warning swmessage; Tells CyberApp that it is obsolete. Display this text to the user. [only present if SWSeverity present] message; Free text of the error/success condition. This text is to be displayed to the customer by the CyberCash application... ##################################################################### Signature is of the following fields: no signature ##################################################################### Explanation: Opaque section optional because the CH1 to the merchant can fail due to bad order-id, date, wrong merchant-ccid, etc., etc. So the server may not be involved at all in which case there is no mechanism for generating a secure opaque section. (It could even be that merchant attempt to contact the server times out.) If transaction makes it through server (via CM*) then Response-Code at top level should mirror response-code to merchant from server. (Hopefully the same as the response-code to customer from server but the merchant can't tell that.) Note that there can be two messages, one from merchant and one from the server. 4.4 Merchant Credit Card Purchasing Messages The merchant presents credit card purchases, makes adjustments, and the like via the CM* series. In general, the credit card cycle is one of getting authorization for a purchase, then capturing the purchase in a batch for settlement, then performing the settlement. It is also possible to void a capture (i.e., remove an item from a batch), and process credits (returns). Authorizations always come from an acquirer via a CM1 or CM2 message. If capture is being performed by the acquirer or some entity between the CyberCash server and the acquirer, this is done via a CM3 or CM2 message depending on the arrangement between the merchant and the entity doing the capture. Returns (credits) are handled via message CM5. Message CM4 is provided for voiding a capture or return before the batch is settled. CM6 is the message format used for responses to all the other CM* messages. An MM* series has also been implemented for purely merchant originated CyberCash charges as described in section 3.4.7 Eastlake, Boesch, Crocker, Yesil [Page 27] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Current credit card dispute resolution systems assume that the merchant knows the card number. Thus, to work with these systems, special bypass messages have been set up that allow the merchant to obtain, for a particular transaction, the information that CyberCash otherwise goes to lengths to hide from the merchant. See sections 3.4.8 and 3.4.9. Many present day merchants operate in a "terminal capture" mode where the authorizations are captured by the merchant and the merchant submits the settlement batch. Messages have been defined and are being implemented so that such merchant captured batches can be submitted via CyberCash. 4.4.1 CM1 - auth-only Description: This message is used by the merchant to perform an authorization operation on the credit card sent in by the customer. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ merchant-ccid: ACME-69 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-cyberkey: CC1001 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3ard3Q== merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== Eastlake, Boesch, Crocker, Yesil [Page 28] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Merchant-Opaque Section Contents: type: auth-only order-id: 12313424234242 merchant-amount: usd 10.00 pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljljwlkjrweljljljwlkjrweljljljwlkjrweljljlj kjrweljljljwlkjrwlejrlwkjlerkjwelr= id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn merchant-signature: lkjladjslkjflsakjflkjsdljflsakjflkjsdljflsakjfl+w flsakjflkjsdljflsakjflkjsdljflsajflksdjflksdjflsdjssf= ##################################################################### merchant-opaque key is generated from the CyberCash encrypting public key identified in merchant-cyberkey. Customer opaque section (Opaque) - see CH1. ##################################################################### Opaque Section Contents & Signature: (exactly as in CH1) swversion: 0.8win amount: usd 10.00 card*: [from successful BC4 (includes card-expiration-date, card-number, and card-salt)] signature: dfdsfffffsfdZydMAGVasdflkkjasdflkkjasfdlkjasdflkajsdlfkjas fjaAqbat2d6hlC/mSw== ##################################################################### merchant-signature is on the following fields: merchant-ccid, merchant-transaction, merchant-date, merchant-cyberkey, type, order-id, merchant-amount, pr-hash, pr-signed-hash, id, transaction, date, cyberkey Customer Signature: see CH1 ##################################################################### Explanation: The merchant signature ensures integrity of the majority of the message. validation of the customer signature ensures that the customer opaque part was not tampered or replaced. Eastlake, Boesch, Crocker, Yesil [Page 29] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 4.4.2 CM2 - auth-capture Description: Do authorization and actually enters charge for settlement. Message just like CM1 except for different type. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Sample Message: [exactly the same as CM1 except type: auth-capture ] 3.4.3 CM3 - post-auth-capture Description: Captures a charge previously authorized. Message is the same as CM1 except that it also has an authorization-code field (which is also included in the signature) and the type is different. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ merchant-ccid: ACME-012 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-cyberkey: CC1001 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ube 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3ard3Q== merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 Eastlake, Boesch, Crocker, Yesil [Page 30] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Merchant-Opaque Section Contents: type: post-auth-capture authorization-code: a12323 order-id: 1231-3424-234242 merchant-amount: usd 10.00 pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljljwlkjrweljljljwlkjrweljljljwlkjrwe kjrweljljljwlkjrwlejrlwkjlerkjwelr= id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn merchant-signature: lkjladjslkjflsakjflkjsdljflsakjflkjsdljflsakjflkj flsakjflkjsdljflsakjflkjsdljflsajflksdjflksdjflsdjssf= ##################################################################### merchant-opaque key is generated from the CyberCash encrypting public key identified in merchant-cyberkey. Customer opaque section (Opaque) - see CH1. ##################################################################### Opaque Section Contents & Signature: (exactly as in CH1) swversion: 0.8win amount: usd 10.00 card*: [from successful BC4 (includes card-salt, card-number, and card-expiration)] signature: dfdsfffffsfdZydMAGVasdflkkjasdflkkjasfdlkjasdflkajsdlfkjas fjaAqbat2d6hlC/mSw== ##################################################################### merchant-signature is on the following fields: merchant-ccid, merchant-transaction, merchant-date, merchant-cyberkey, type, authorization-code, order-id, merchant-amount, pr-hash, pr-signed-hash, id, transaction, date, cyberkey ##################################################################### Explanation: The merchant signature ensures integrity of the majority of the message validation of the customer signature ensures that the Eastlake, Boesch, Crocker, Yesil [Page 31] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 customer opaque part was not tampered or replaced. 4.4.4 CM4 - void Description: Voids out a charge/return if received before settlement. Message is the same as CM1 except that it also has a retrieval-reference-number field (which is also included in the signature) and the type is different. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ merchant-ccid: ACME-012 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-cyberkey: CC1001 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff4 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3ard3Q== merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Merchant-Opaque Section Contents: type: void retrieval-reference-number: 432112344321 order-id: 1231-3424-234242 merchant-amount: usd 10.00 pr-hash: Eastlake, Boesch, Crocker, Yesil [Page 32] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 kjdsalfjlejelkjeljwlkjerljwwlkjerljwwlkjerljwwlkjerljwwlkjerljwwl kjerljwwlkjerljwekrlwekrjlwekjfwe== pr-signed-hash: sfljlkjflkjseljljljwlkjrweljljljwlkjrweljljljwlkjrweljljljwl kjrweljljljwlkjrwlejrlwkjlerkjwelr= id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn Merchant-Signature: lkjladjslkjflsakjflkjsdljflsakjflkjsdljflsakjflkj flsakjflkjsdljflsakjflkjsdljflsajflksdjflksdjflsdjssf= ##################################################################### Merchant-Opaque key is generated from the CyberCash encrypting public key identified in Merchant-CyberKey. Customer opaque section (Opaque) - see CH1. ##################################################################### Opaque Section Contents & Signature: (exactly as in CH1) swversion: 0.8win amount: usd 10.00 card*: [from successful bc4 (includes card-salt, card-number, and card-expiration)] signature: dfdsfffffsfdZydMAGVasdflkkjasdflkkjasfdlkjasdflkajsdlfkjas fjaAqbat2d6hlC/mSw== ##################################################################### merchant-signature is on the following fields: merchant-ccid, merchant-transaction, merchant-date, merchant-cyberkey, type, retrieval-reference-number, order-id, merchant-amount, pr-hash, pr-signed-hash, id, transaction, date, cyberkey ##################################################################### Explanation: The merchant signature ensures integrity of the majority of the message. Validation of the customer signature ensures that the customer opaque part was not tampered or replaced. 4.4.5 CM5 - return Description: Reverse a previous charge. Really sort of a negative charge. Message just like CM1 except for different type. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Eastlake, Boesch, Crocker, Yesil [Page 33] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Sample Message: [exactly the same as CM1 except type: return ] 4.4.6 CM6 - charge-action-response Description: This receipt is given to the merchant as a receipt for a completed charge action. Indicates success/failure/etc. ##################################################################### Sender: CyberServer Receiver: MerchantApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ merchant-ccid: ACME-012 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Merchant-Opaque Key: Session key same as that of CM1/2/3/4/5 for same Merchant-Transaction and Merchant-CCID. Opaque Key: Same customer session key from CH1 passed through CM* for ID and Transaction Eastlake, Boesch, Crocker, Yesil [Page 34] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Merchant-Opaque Section Contents: type: charge-action-response server-date: 19950121100706.nnn action-code: XXX [per ISO 8583] response-code: failure/success/etc. order-id: 1231-3424-234242 pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljllkjseljljllkjseljljllkjseljljllkjse ljljwlkjrwlejrlwkjlerkjwelr= retrieval-reference-number: 432112344321 authorization-code: a12323 card-hash: 7Tm/djB05pLIw3JAyy5E7A== { card-prefix: nnxxxx [Returned if merchant is not full-PAN] } or { card-number: 1234567890123456 [Returned if merchant is full-PAN] } expiration-date: 12/34 [always present] merchant-swseverity: fatal/warning merchant-swmessage; Message for merchant about out of date protocol number in $$ start line of merchant message. merchant-message; Free text of the error/success condition. This text is for the merchant from the server... id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn Opaque (Customer) contents: server-date: 19950121100706.nnn amount: usd 10.00 order-id: 1231-3424-234242 card*: [from successful BC4] response-code: failure/success/etc. swseverity: fatal/warning swmessage; Tells CyberApp that it is obsolete display this text to the user. [only present if SWSeverity present] message; Free text of the error/success condition. This text is to be displayed to the customer by the CyberCash application... ##################################################################### Signature is of the following fields: no signature Eastlake, Boesch, Crocker, Yesil [Page 35] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Explanation: retrieval-reference-number is needed for voids. authorization-code is needed for post-auth-capture. These fields are each only present in the CM6 if they were returned by the bank which depends on what operation was being done. card-prefix is first two and last four digits of card-number. At bank's discretion the card-number or card-prefix is returned. card-hash is really the hash of the full card number and the salt provided by the customer. card-hash is needed so the merchant can, if they wish, sort customer transactions by card without knowing the card number. card* is th card* fields delivered in the CM* messages being responded to. They appear in alphabetic order. server-date duplicated in customer opaque area for security. {}'s in column one just for clarity of alternatives and do not actually appear in the message. []ed comments appear after some fields. 4.4.7 The MM* Message Series The CM* message series above is the primary CyberCash credit card purchase system for securely handing charges from CyberCash customers. However, merchants, who are authorized by their acquiring bank to accept such charges, may also receive telephone, mail, and over the counter sales. To avoid any necessity for the merchant to have a second parallel system to handle these charges, an MM1 through MM6 message series is defined and has been implemented for these less secure transactions. The MM* messages look very similar to the CM* series but the "customer opaque" section is actually signed by the merchant and no separate customer CyberCash ID or prior card binding is required. 4.4.8 CD1 - card-data-request Description: Used by merchant to get card-number, etc., if information needed by merchant to resolve a dispute. ##################################################################### Sender: MerchantApp Receiver: CyberServer ##################################################################### Sample Message: Eastlake, Boesch, Crocker, Yesil [Page 36] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 $$-CyberCash-0.8-$$ merchant-ccid: ACME-69 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-cyberkey: CC1001 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Merchant-Opaque Section Contents: type: card-data-request password: xyzzy server-date: 19950121100505.nnn [optional] order-id: 12313424234242 merchant-amount: usd 10.00 pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljljwlkjrweljljljwlkjrweljljljwlkjrweljljlj kjrweljljljwlkjrwlejrlwkjlerkjwelr= id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn merchant-signature: lkjladjslkjflsakjflkjsdljflsakjflkjsdljflsakjflkj flsakjflkjsdljflsakjflkjsdljflsajflksdjflksdjflsdjssf= ##################################################################### merchant-opaque key is generated from the CyberCash encrypting public key identified in merchant-cyberkey. Customer opaque section (Opaque) - see CH1. ##################################################################### Opaque Section Contents & Signature: (exactly as in CH1) swversion: 0.8win amount: usd 10.00 card*: [from successful BC4 (includes card-expiration-date, Eastlake, Boesch, Crocker, Yesil [Page 37] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 card-number, and card-salt)] signature: dfdsfffffsfdZydMAGVasdflkkjasdflkkjasfdlkjasdflkajsdlfkjas fjaAqbat2d6hlC/mSw== ##################################################################### merchant-signature is on the following fields: merchant-ccid, merchant-transaction, merchant-date, merchant-cyberkey, type, password, server-date, order-id, merchant-amount, pr-hash, pr-signed-hash, id, transaction, date, cyberkey Customer Signature: see CH1 ##################################################################### Explanation: [see also CM1 explanation] The merchant may need to know the card involved and other information in order to resolve a disputed transaction. This information is all contained in the original CH1 embedded in the CM1 for the transaction. If the merchant saves the CM1 and other transaction information, they can send this CD1 message to the server. While this reduces the pass through confidentiality of the system, the merchant is then on record as asking for this particular credit card number and excessive CD1's from a merchant can be flagged. password is an extra level of security intended to be manually entered at the merchant to authorize the unusual action. Server stores a hash of the merchant-ccid and the password. 4.4.9 CD2 - card-data-response Description: Respond to CD1 with failure or with success and card data. ##################################################################### Sender: CyberServer Receiver: MerchantApp ##################################################################### Sample Message: $$-CyberCash-0.7-$$ merchant-ccid: ACME-012 merchant-transaction: 123123 merchant-date: 19950121100705.nnn merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ Eastlake, Boesch, Crocker, Yesil [Page 38] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Opaque Key: session key from CD1. ##################################################################### Opaque Section Contents: type: card-data-response server-date: 19950121100706.nnn response- code: failure/success/etc. order-id: 1231-3424-234242 pr-hash: 7Tm/djB05pLIw3JAyy5E7A== pr-signed-hash: sfljlkjflkjseljljllkjseljljllkjseljljllkjseljljllkjse ljljwlkjrwlejrlwkjlerkjwelr= card-hash: 7Tm/djB05pLIw3JAyy5E7A== card-number: 4811123456781234 card-type: visa card-name: John Q. Public expiration-date: 01/99 merchant-swseverity: fatal/warning merchant-swmessage; Message for merchant about out of date protocol number in $$ start line of merchant message. merchant- message; Free text of the error/success condition. This text is for the merchant from the server... id: myCyberCashID transaction: 78784567 date: 19950121100505.nnn ##################################################################### Signature is of the following fields: no signature. ##################################################################### Explanation: This normally returns selected fields from the decoding of the opaque part of a CH1 as sent to the server in a CD1. 4.5 Utility and Error Messges A number of utility, status query, and special error reporting messages have also been found necessary in implementing the CyberCash system. It is desirable to be able to test connectivity, roughly synchronize clocks, and get an initial determination of what client protocol and software versions are accepted. This is done via the P1 client to server message and its P2 server to client response. Clients need to be able to determine the status of earlier transactions when the client or merchant has crashed during or has suffered data loss since the transaction. Two transaction query messages are defined, TQ1 and TQ2. One just queries and the other also cancels the transaction, if it has not yet completed. The response to both of these messages is a TQ3 response from the server. Since the system operates in a query response mode, there are two cases where special error messages are needed. If a query seems to Eastlake, Boesch, Crocker, Yesil [Page 39] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 be of an undeterminable or unknown type, the UNK1 response error message is sent. If a response seems to be of an undeterminable or unknown type or other serious error conditions occur at the client or merchant which should be logged at the CyberCash server, the DL1 or DL2 diagnostic log message is submitted by the client or merchant in question respectively. 4.5.1 P1 - ping Description: Very light weight check that we have connectivity from the customer to the server. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ type: ping id: myCyberCashID [optional] transaction: 123123213 date: 19950121100505.nnn $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Explanation: id optional as persona may not have been set up yet. 4.5.2 P2 - ping-response Description: Response to the P1 light weight ping. Does no crypto to minimize overhead. ##################################################################### Sender: CyberServer Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.7-$$ type: ping-response id: myCyberCashID [if present in P1] transaction: 12312313 date: 19950121100505.nnn server-date: 19950121100506.nnn Eastlake, Boesch, Crocker, Yesil [Page 40] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 swseverity: fatal/warning [absent if ok] swmessage; Tells CyberApp that it is using an obsolete protocol. Display this text to the user. [only present if SWSeverity present] response-code: success/failure/etc. message; Free text of the error/success condition. This text is to be displayed to the sender by their CyberCash application... supported-versions: 08.win, 0.81win, 0.8mac $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Explanation: swversion does not appear in P1 for security reasons so swseverity and swmessage appear only if the server can tell that things are old from the $$ header protocol version. supported-versions lets client know as soon as possible what versions are supported and, by implication, which are not. Does not compromise security by having client say what version it is. 4.5.3 TQ1 - transaction-query Description: Client query to server for Transaction status. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: MyCyberCashID date: 19950121100505.nnn transaction: 12312314 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: generated from CyberCash encryption key identified in CyberKey Eastlake, Boesch, Crocker, Yesil [Page 41] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Opaque Section Contents: type: transaction-query swversion: 0.8win begin-transaction: 1234 end-transaction: 4321 signature: sjadlkasl;f;lksaj;lfjs;lfjsldfjl;lfjs;lfjsldfjl;lfjs;lfjsl ;lfjs;lfjsldfjl;lfjs;lfjsldfjlskflsajfsa== ##################################################################### signature is of the following fields: id, date, transaction, cyberkey, type, swversion, begin-transaction, end-transaction ##################################################################### Explanation: This is a client status query of a previous transaction or transactions. begin-transaction and end-transaction can be the same. 4.5.4 TQ2 - transaction-cancel Description: Client query to server for Transaction cancellation/status. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: MyCyberCashID date: 19950121100505.nnn transaction: 12312314 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: generated from CyberCash encryption key identified in CyberKey Eastlake, Boesch, Crocker, Yesil [Page 42] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Opaque Section Contents: type: transaction-cancel swversion: 0.8win begin-transaction: 1234 end-transaction: 4321 signature: sjadlkasl;f;lksaj;lfjs;lfjsldfjl;lfjs;lfjsldfjl;lfjs;lfjsl ;lfjs;lfjsldfjl;lfjs;lfjsldfjlskflsajfsa== ##################################################################### signature is of the following fields: id, date, transaction, cyberkey, type, swversion, begin-transaction, end-transaction ##################################################################### Explanation: This is a client attempt to cancel a previous transaction or transactions. begin-transaction and end-transaction can be the same. The transaction-cancel transaction (TQ.2) is defined between the client and the server. This transaction permits the client to query the status of an operation and to stop the operation from occurring if it has not already occurred. 4.5.5 TQ3 - transaction-response Description: Reports generated by a TQ1 or TQ2 ##################################################################### Sender: CyberServer Receiver: CyberApp ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: mycybercashid date: 19950121100505.nnn transaction: 12312314 server-date: 19950121100505.nnn opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw Eastlake, Boesch, Crocker, Yesil [Page 43] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 3ard3Q== $$-CyberCash-End-0QXqLlNxrn4GNQPPk9AO1Q==-$$ ##################################################################### Opaque Key: Session key from TQ1/TQ2 with same Transaction and ID. ##################################################################### Opaque Section Contents: type: transaction-response response-code: success/failure/etc. message; general free form text message from server to customer.... swseverity: fatal/warning swmessage; Message indicating that CyberApp software is obsolete. May be multiple lines. report-fee: usd 0.15 [if non-zero] transaction-1: old-transaction-number transaction-status-1: success/failure/pending/cancelled/etc. server-date-1: 19951212125959.nnn date-1: 19950121100505.nnn type-1: auth-only/etc. ##################################################################### Signature is of the following fields: no signature ##################################################################### Explanation: Report-fee is the notification that this report cost a fee and is only present if there is a fee. There can be multiple transaction for the same transaction number as there could have been a auth, post-auth-capture, void, etc. Terms "original transaction" refers to the payment or other transaction that is being queried or canceled. Note: this transaction may not actually reside at the server. "request" refers to the requesting TQ.2 or TQ.1 message id: id from the request message date: date from the request message transaction: transaction from the request message server-date: current date/time type: transaction-response response-code: response code for request message, can be one of: "success" means the request message was processed. Does not imply query or cancellation status of the request. "failure-hard" means that the request message was not processed Eastlake, Boesch, Crocker, Yesil [Page 44] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 due to being ill-formed or otherwise inoperable. "failure-swversion" means that the request message was not processed due to software revision problems. message: the message applies only to the TQ transaction, not to the status of the transactions being queried or canceled. The message is provided according to the response-code as: "success" message is omitted. "failure-hard" use standard hard failure message. "failure-swversion" use standard swversion message for fatal swseverity: applies to request message swmessage: applies to request message -- per query/cancel fields ('N' is a series from 1 to N) -- transaction-N: transaction number of original transaction, or if the original transaction is not present in server the transaction number that the query / cancel request refers to transaction-status-N: status of original transaction, may be one of: "success" the original transaction was successfully processed. If request was TQ.2, cancellation is not performed. "failure" the original transaction was not successfully processed. If request was TQ.2, cancellation is not performed (however, there is nothing to cancel, so it's all the same to the customer app). "pending" the original transaction is still being processed and final disposition is not known. "canceled" the original transaction has been canceled by the server. Later arrival of the original transaction will not be processed, but will be returned with a "failure-canceled" returned. server-date-1: server-date field from original transaction or omitted if original transaction is not present in the server" date-1: date field from original transaction or omitted if original transaction is not present in the server" type-1: type field from original transaction or omitted if original transaction is not present in the server" 4.5.6 UNK1 - unknown-error Description: This is the response sent when the request is so bad off you can't determine what type it is or the type is unknown to you. Sent from Merchant to Client or from Server to Merchant or from Server to Client. ##################################################################### Sender: MerchantApp or CyberServer Receiver: CyberApp or MerchantApp ##################################################################### Sample Message: Eastlake, Boesch, Crocker, Yesil [Page 45] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 $$-CyberCash-0.8-$$ type: unknown-error unknown-error-message: Text message of error condition to display to user. (CyberCash wrapper not found, wrapper integrity check fails, unknown protocol version specified, unknown type specified, etc.) { server-date: 19950121100506.nnn [if sent by server] } or { merchant-date: 19950121100506.nnn [if sent by merchant] } x-id: mycybercashID x-transaction: 123123213 x-date: 19950121100505.nnn x-cyberkey: CC1001 x-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-7Tm/djB05pLIw3JAyy5E7A==-$$ ##################################################################### Opaque Key: see explanation ##################################################################### Opaque Section Contents: see explanation ##################################################################### Signature is of the following fields: see explanation ##################################################################### Explanation: This message is sent as a response when you can't find or understand even the type of a message to you. It will always have type and unknown-error-message fields at the beginning. Any fields from the request that are parseable are simply echoed back in the UNK1 message with "x-" prefixed to it. Thus, if an x-opaque appears, it was whatever the opaque was in the original request, etc. If you can decrypt the opaque section, you don't want to put the results here in the clear! {}'s in the first column are to group alternatives only and do not appear in the message. Since the customer originates exchanges with merchant and server and merchant originates exchanges with server, this message will only be emitted from the merchant to the customer or the server to the customer or merchant. It should generally just Eastlake, Boesch, Crocker, Yesil [Page 46] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 be logged for debugging purposes. You may need to watch out for denial of service via forged or replayed UNK1 messages. 4.5.7 DL1 - diagnostic-log Description: Client diagnostic log of bad message from either merchant or server. ##################################################################### Sender: CyberApp Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ id: MyCyberCashID date: 19950121100505.nnn transaction: 1234 cyberkey: CC1001 opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ffs 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKXx 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: generated from CyberCash encryption key identified in CyberKey ##################################################################### Opaque Section Contents: type: diagnostic-log server-date: 19950121100505.nnn [optional] message: incorrect order-id swversion: 0.8win x-type: original-message-type x-transaction: original-transaction-number x-opaque: [if can't decrypt] 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw ##################################################################### Explanation: Eastlake, Boesch, Crocker, Yesil [Page 47] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Client application does not expect a response for this message. The decrypted original message will be in the opaque section unless decryption fails. If decryption fails then un-decrypted opaque in the original will be sent. This message will be sent to a different script or socket or host than normal messages so that it will just be absorbed and never generate an UNK1 response or anything, even if this message itself is screwed up. 4.5.8 DL2 - merchant-diagnostic-log Description: Merchant diagnostic log of bad message from server. ##################################################################### Sender: CyberMerchant Receiver: CyberServer ##################################################################### Sample Message: $$-CyberCash-0.8-$$ merchant-ccid: MyCyberCashID merchant-transaction: 1234 merchant-date: 19950121100505.nnn merchant-cyberkey: CC1001 merchant-opaque: iff/tPf99+Tm5P7s3d61jOWK94nq9/+1jOWK9+vr9+b+94n3tYzmiveJ9/+09/334ubg 3rWM5Ir3ier3/7WM5Ir36+v35v73ife1jOWK94n3/7T3/ffm5uD+7N339/f39/eq3ff3 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw 3ard3Q== $$-CyberCash-End-kchfiZ5WAUlpk1/v1ogwuQ==-$$ ##################################################################### Opaque Key: generated from CyberCash encryption key identified in CyberKey ##################################################################### Opaque Section Contents: type: merchant-diagnostic-log server-date: 19950121100505.nnn [optional] message: incorrect order-id x-type: original-message-type x-transaction: original-transaction-number x-opaque: [if can't decrypt] 9/eFiJK5tLizsoeSmpW7uLS8/7iio7Wisfv38biio7uyufv3tfv35uH+7N3d9/exuKX3 5+z3vuu4oqO7srnsvvz8/venoqO0v7al/7iio7WisYy+iv7s3ff3p6KjtL+2pf/wi7nw Eastlake, Boesch, Crocker, Yesil [Page 48] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 ##################################################################### Explanation: Merchant application does not expect a response for this message. The decrypted original message will be in the opaque section unless decryption fails. If decryption fails then un-decrypted message will be sent. This message will be sent to a different script or socket or host than normal messages so that it will just be absorbed and never generate an UNK1 response or anything even if this message itself is screwed up. 4.6 Table of Messages Described C = Customer App M = Merchant App S = CyberCash Server FLOW SECTION NAME C->S 4.2.1 BC.1 bind-credit-card S->C 4.2.2 BC.4 bind-credit-card-response C->M 4.3.2 CH.1 credit-card-payment M->C 4.3.3 CH.2 credit-card-response M->S 4.4.8 CD.1 card-data-request S->M 4.4.9 CD.2 card-data-response M->S 4.4.1 CM.1 auth-only M->S 4.4.2 CM.2 auth-capture M->S 4.4.3 CM.3 post-auth-capture M->S 4.4.4 CM.4 void M->S 4.4.5 CM.5 return S->M 4.4.6 CM.6 charge-action-response C->S 4.5.7 DL.1 diagnostic-log M->S 4.5.7 DL.2 merchant-diagnostic-log C->S 4.1.3 GA.1 get-application S->C 4.1.4 GA.2 get-application-response M->S 4.4.7 MM.1 merchant-auth-only M->S 4.4.7 MM.2 merchant-auth-capture M->S 4.4.7 MM.3 merchant-post-auth-capture M->S 4.4.7 MM.4 merchant-void M->S 4.4.7 MM.5 merchant-return S->M 4.4.7 MM.6 merchant-charge-action-response C->S 4.5.1 P.1 ping Eastlake, Boesch, Crocker, Yesil [Page 49] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 S->C 4.5.2 P.2 ping-response M->C 4.3.1 PR.1 payment-request C->S 4.1.1 R.1 registration S->C 4.1.2 R.2 registration-response C->S 4.5.3 TQ.1 transaction-query C->S 4.5.4 TQ.2 transaction-cancel S->C 4.5.5 TQ.3 transaction-response S->C, S->M, M->C 4.5.6 UNK.1 unknown-error Eastlake, Boesch, Crocker, Yesil [Page 50] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 5. Future Development CyberCash is extending the facilities available through the CyberCash system. We are committed to implementing a full cash system, including efficient transfer of small amounts of money, the extension of the credit card system to handle settlements, and other improvements. Eastlake, Boesch, Crocker, Yesil [Page 51] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 6. Security Considerations The CyberCash Version 0.8 Credit Card system provides substantial protection to payment messages as described above in sections 1.2, 2.2.4, and 2.2.5. However, it provides no privacy to the shopping interaction which is essentially outside of its purview. It also provides no protection against dishonest merchants other than those normally available with credit card purchases. Care must be taken to avoid loss of control of the machines on which parts of this system runs or security may be compromised. Current credit card dispute resolution systems require deliberate bypasses be implemented for some of the security normally established by CyberCash as described in section 3.4. References [ISO 4217] - Codes for the representation of currencies and funds [ISO 8583] - Financial transaction card originated messages - Interchange message specifications, 1993-12-15. [RFC 822] - D. Crocker, "Standard for the format of ARPA Internet text messages", 08/13/1982. [RFC 1521] - N. Borenstein, N. Freed, "MIME (Multipurpose Internet Mail Extensions) Part One: Mechanisms for Specifying and Describing the Format of Internet Message Bodies", 09/23/1993. [RFC 1766] - H. Alvestrand, "Tags for the Identification of Languages", 03/02/1995. Eastlake, Boesch, Crocker, Yesil [Page 52] INTERNET-DRAFT CyberCash Version 0.8 8 July 1995 Authors Addresses Donald E. Eastlake 3rd CyberCash, Inc. 318 Acton Street Carlisle, MA 01741 USA Telephone: +1 508 287 4877 EMail: dee@cybercash.com Brian Boesch CyberCash, Inc. 2100 Reston Parkway, Suite 430 Reston, VA 22091 USA Telephone: +1 703-620-4200 email: boesch@cybercash.com Steve Crocker CyberCash, Inc. 2100 Reston Parkway, Suite 430 Reston, VA 22091 USA Telephone: +1 703-620-4200 email: crocker@cybercash.com Magdalena Yesil CyberCash, Inc. 555 Twin Dolphin Drive, Suite 570 Redwood City, CA 94065 USA Telephone: +1 415-594-0800 email: magdalen@cybercash.com Expiration and File Name This draft expires 7 January 1996. Its file name is draft-eastlake-cybercash-v08-00.txt. Eastlake, Boesch, Crocker, Yesil [Page 53]