Individual Risk Management for Digital Payment Systems

Despite existing security standards and security technologies, such as secure hardware, gaps between users’ demand for security and the security offered by a payment system can still remain. These security gaps imply risks for users. In this paper, we introduce a framework for the management of those risks. As a result, we present an instrument enabling users to evaluate eventual risks related with digital payment systems and to handle these risks with technical and economic instruments.Payment Systems, Digital Money

Practical applications of performance modelling of security protocols using PEPA

PhD ThesisTrade-off between security and performance has become an intriguing area in recent years in both the security and performance communities. As the security aspects of security protocol research is fully- edged, this thesis is therefore devoted to conducting a performance study of these protocols. The long term objective is to translate formal de nitions of security protocols to formal performance models automatically, then analysing by relevant techniques. In this thesis, we take a preliminary step by studying five typical security protocols, and exploring the methodology of construction and analysis of their models by using the Markovian process algebra PEPA. Through these case studies, an initial framework of performance analysis of security protocol is established. Firstly, a key distribution centre is investigated. The basic model su ers from the commonly encountered state space explosion problem, and so we apply some efficient solution techniques, which include model reduction techniques and ordinary di fferential equation based fluid flow analysis. Finally, we evaluate a utility function for this secure key exchange model. Then, we explore two non-repudiation protocols. Mean value analysis has been applied here for a class of PEPA models, and it is compared with an ODE approximation. After that, an optimistic nonrepudiation protocol with off-line third trust party is studied. The PEPA model has been formulated using a concept of multi-threaded servers with functional rates. The nal case study is a cross-realm Kerberos protocol. A simplified technique of aggregation with an ODE approximation is performed to do efficient cient analysis. All these modelling and analysis methods are illustrated through numerical examples

Fair exchange in e-commerce and certified e-mail, new scenarios and protocols

We are witnessing a steady growth in the use of Internet in the electronic commerce field. This rise is promoting the migration from traditional processes and applications (paper based) to an electronic model. But the security of electronic transactions continues to pose an impediment to its implementation. Traditionally, most business transactions were conducted in person. Signing a contract required the meeting of all interested parties, the postman delivered certified mail in hand, and when paying for goods or services both customer and provider were present. When all parties are physically present, a transaction does not require a complex protocol. The participants acknowledge the presence of the other parties as assurance that they will receive their parts, whether a signature on a contract, or a receipt, etc. But with e-commerce growing in importance as sales and business channel, all these transactions have moved to its digital counterpart. Therefore we have digital signature of contracts, certified delivery of messages and electronic payment systems. With electronic transactions, the physical presence is not required,moreover, most of the times it is even impossible. The participants in a transaction can be thousands of kilometers away from each other, and they may not even be human participants, they can be machines. Thus, the security that the transaction will be executed without incident is not assured per se, we need additional security measures. To address this problem, fair exchange protocols were developed. In a fair exchange every party involved has an item that wants to exchange, but none of the participants is willing to give his item away unless he has an assurance he will receive the corresponding item from the other participants. Fair exchange has many applications, like digital signature of contracts, where the items to be exchanged are signatures on contracts, certified delivery of messages, where we exchange a message for evidence of receipt, or a payment process, where we exchange a payment (e-cash, e-check, visa, etc.) for digital goods or a receipt. The objective of this dissertation is the study of the fair exchange problem. In particular, it presents two new scenarios for digital contracting, the Atomic Multi- Two Party (AM2P) and the Agent Mediated Scenario (AMS), and proposes one optimistic contract signing protocol for each one. Moreover, it studies the efficiency of Multi-Party Contract Signing (MPCS) protocols from their architecture point of view, presenting a new lower bound for each architecture, in terms of minimum number of transactions needed. Regarding Certified Electronic Mail (CEM), this dissertation presents two optimistic CEMprotocols designed to be deployed on thecurrent e-mail infrastructure, therefore they assume the participation of multiple Mail Transfer Agents (MTAs). In one case, the protocol assumes untrusted MTAs whereas in the other one it assumes each User Agent (UA) trusts his own MTA. Regarding payment systems, this dissertation presents a secure and efficient electronic bearer bank check scheme allowing the electronic checks to be transferred fairly and anonymously.L’ús d’Internet en l’àmbit del comerç electrònic està experimentant un creixement estable. Aquest increment d’ús està promovent lamigració de processos tradicionals i aplicacions (basades en paper) cap a un model electrònic. Però la seguretat de les transaccions electròniques continua impedint la seva implantació. Tradicionalment, la majoria de les transaccions s’han dut a terme en persona. La firma d’un contracte requeria la presència de tots els firmants, el carter entrega les cartes certificades enmà, i quan es paga per un bé o servei ambdós venedor i comprador hi són presents. Quan totes les parts hi són presents, les transaccions no requereixen un protocol complex. Els participants assumeixen la presència de les altres parts com assegurança que rebran el que esperen d’elles, ja sigui la firma d’un contracte, un rebut d’entrega o un pagament. Però amb el creixement del comerç electrònic com a canal de venda i negoci, totes aquestes transaccions s’hanmogut al seu equivalent en el món electrònic. Així doncs tenim firma electrònica de contractes, enviament certificat de missatges, sistemes de pagament electrònic, etc. En les transaccions electròniques la presència física no és necessària, de fet, la majoria de vegades és fins it tot impossible. Els participants poden estar separats permilers de kilòmetres, i no és necessari que siguin humans, podrien sermàquines. Llavors, la seguretat de que la transacció s’executarà correctament no està assegurada per se, necessitem proporcionar mesures de seguretat addicionals. Per solucionar aquest problema, es van desenvolupar els protocols d’intercanvi equitatiu. En un intercanvi equitatiu totes les parts involucrades tenen un objecte que volen intercanviar, però cap de les parts implicades vol donar el seu objecte si no té la seguretat que rebrà els objectes de les altres parts. L’intercanvi equitatiu té multitud d’aplicacions, com la firma electrònica de contractes, on els elements a intercanviar son firmes de contractes, enviament certificat demissatges, on s’intercanvien unmissatge per una evidència de recepció, o un procés de pagament, on intercanviemun pagament (e-cash, visa, e-xec, etc.) per bens digitals o per un rebut. L’objectiu d’aquesta tesi és estudiar el problema de l’intercanvi equitatiu. En particular, la tesi presenta dos nous escenaris per a la firma electrònica de contractes, l’escenari multi-two party atòmic i l’escenari amb agents intermediaris, i proposa un protocol optimista per a cada un d’ells. A més, presenta un estudi de l’eficiència dels protocols de firma electrònica multi-part (Multi-Party Contract Signing (MPCS) protocols) des del punt de vista de la seva arquitectura, presentant una nova fita per a cada una, en termes de mínim nombre de transaccions necessàries. Pel que fa al correu electrònic certificat, aquesta tesi presenta dos protocols optimistes dissenyats per a ser desplegats damunt l’infraestructura actual de correu electrònic, per tant assumeix la participació demúltiples agents de transferència de correu. Un dels protocols assumeix que cap dels agents de transferència de correu participants és de confiança,mentre que l’altre assumeix que cada usuari confia en el seu propi agent. Pel que fa a sistemes de pagament, la tesi presenta un esquema de xec bancari al portador, eficient i segur, que garanteix que la transferència dels xecs es fa demanera anònima i equitativa

A language for information commerce processes

Automatizing information commerce requires languages to represent the typical information commerce processes. Existing languages and standards cover either only very specific types of business models or are too general to capture in a concise way the specific properties of information commerce processes. We introduce a language that is specifically designed for information commerce. It can be directly used for the implementation of the processes and communication required in information commerce. It allows to cover existing business models that are known either from standard proposals or existing information commerce applications on the Internet. The language has a concise logical semantics. In this paper we present the language concepts and an implementation architecture

Synthesising end-to-end security schemes through endorsement intermediaries

Composing secure interaction protocols dynamically for e-commerce continue to pose a number of challenges, such as lack of standard notations for expressing requirements and the difficulty involved in enforcing them. Furthermore, interaction with unknown entities may require finding common trusted intermediaries. Securing messages sent through such intermediaries require schemes that provide end-to-end security guarantees. In the past, e-commerce protocols such as SET were created to provide such end-to-end guarantees. However, such complex hand crafted protocols proved difficult to model check. This thesis addresses the end-to-end problems in an open dynamic setting where trust relationships evolve, and requirements of interacting entities change over time. Before interaction protocols can be synthesised, a number of research questions must be addressed. Firstly, to meet end-to-end security requirements, the security level along the message path must be made to reflect the requirements. Secondly, the type of endorsement intermediaries must reflect the message category. Thirdly, intermediaries must be made liable for their endorsements. This thesis proposes a number of solutions to address the research problems. End-to-end security requirements were arrived by aggregating security requirements of all interacting parties. These requirements were enforced by interleaving and composing basic schemes derived from challenge-response mechanisms. The institutional trust promoting mechanism devised allowed all vital data to be endorsed by authorised category specific intermediaries. Intermediaries were made accountable for their endorsements by being required to discharge or transfer proof obligations placed on them. The techniques devised for aggregating and enforcing security requirements allow dynamic creation of end-to-end security schemes. The novel interleaving technique devised allows creation of provably secure multiparty schemes for any number of recipients. The structured technique combining compositional approach with appropriate invariants and preconditions makes model checking of synthesised schemes unnecessary. The proposed framework combining endorsement trust with schemes making intermediaries accountable provides a way to alleviate distrust between previously unknown e-commerce entities

A P2P Optimistic Fair Exchange (OFE) Scheme For Personal Health Records Using Blockchain Technology

In today’s digital world, it is common to exchange sensitive data between different parties. There are many examples of sensitive data or documents that require a digital exchange, such as banking information, insurance data, health records. In many cases, the exchange exists between unknown and untrusted parties. Therefore, it is essential to execute the data exchange over a fair non-repudiation protocol. In digital communication, non-repudiation is undeniable evidence of one’s responsibility regarding the validity of any data he shares/receives. Usually, this is achieved by the use of a cryptographic digital signature. In this case, the parties cannot deny the authenticity of their digital signature. The protocol satisfies the fairness property if and only if it does not give the sender any advantages over the receiver or vice versa, at any step during the exchange process. Combining fair exchange and non-repudiation for digital exchange is critical in many applications and can be acquired with or without the involvement of any trusted third party (TTP). However, without the involvement of TTP, fairness becomes probabilistic, and the involvement of TTP can cause significant dependency on the third party. Therefore, a peer-to-peer (P2P) (aka offline) fair non-repudiation protocol that does not require a trusted third-party is desirable in many applications. Blockchain is designed in such a way that the network can handle the trustless environment and deliver the correct result. Thus, if the exchanges are done leveraging Blockchain, it will ensure true fairness, and at the same time, none of the participants have to deal with the trust issue. In this thesis we propose a P2P fair non-repudiation data exchange scheme by leveraging Blockchain and distributed ledger technology. The scheme combines on-chain and off-chain communication patterns to enable the exchange of personal health records between patients and healthcare providers. We provide an informal reasoning of the proposed scheme. Moreover, we propose a design and implementation agnostic to existing Blockchain platforms to enable unbiased evaluation of the proposed scheme. Finally, we make a comparative analysis of the result derived from our approach with the existing one

Keeping Fairness Alive : Design and formal verification of optimistic fair exchange protocols

Fokkink, W.J. [Promotor]Pol, J.C. van de [Promotor