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Versions: 00 01 02 04 05 06 07 08                                       
INTERNET-DRAFT                         Mapping Card Numbers into the DNS
                                                       30 September 1997
                                                   Expires 29 March 1998




 Mapping Financial Transaction Card Numbers into the Domain Name System
 ------- --------- ----------- ---- ------- ---- --- ------ ---- ------

                         Donald E. Eastlake 3rd



Status of This Document

   This draft, file name draft-eastlake-card-map-00.txt, is intended to
   be become an Informational RFC concerning utilization of the Domain
   Name System (DNS) to support automated location of financial
   transaction card related facilities in the Internet. Distribution of
   this document is unlimited. Comments should be sent to the SET
   protocol development mailing list <set-dev@terisa.com> or to the
   author.

   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 (East USA), ftp.isi.edu (West USA),
   nic.nordu.net (North Europe), ftp.nis.garr.it (South Europe),
   munnari.oz.au (Pacific Rim), or ftp.is.co.za (Africa).















Donald E. Eastlake 3rd                                          [Page 1]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


Abstract

   The SET protocol being developed by the VISA and MasterCard
   associations and others assumes that a financial transaction
   cardholder can locate the appropriate certification authority to
   obtain a cardholder certificate.  This document proposes a method
   using the DNS and, in some cases the referral features of the SET
   protocol, to locate such certification authorities and other
   financial transaction card related facilities on the Internet by
   mapping ISO 7812 derived card numbers into domain names within in the
   card.int domain.



Disclaimers

   The methods proposed herein are not, at the time of the issuance of
   this draft, specifically endorsed by the credit card brands or
   associations.



Acknowledgment

   Suggestions from the following persons, listed in alphabetic order,
   have been incorporated in this document and are gratefully
   acknowledged:

          Doug Beattie, Electronic Commerce Consultants

          Tony Lewis, VISA International





















Donald E. Eastlake 3rd                                          [Page 2]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


Table of Contents

      Status of This Document....................................1

      Abstract...................................................2
      Disclaimers................................................2
      Acknowledgment.............................................2

      Table of Contents..........................................3

      1. Introduction............................................4

      2. Inverse Number Mapping and Wildcards....................5

      3. Card Domain Names Specified.............................6
      3.1 Card Brand and Issuer Pointers.........................6
      3.2 Certification Authority (CA) Pointers..................7
      3.3 Financial Institutions Not On Line.....................8
      3.4 BIN Ambiguity..........................................8

      4. card.int Domain Maintenance Agency.....................10

      5. Security Considerations................................11
      References................................................11

      Author's Address..........................................12
      Expiration and File Name..................................12

      Appendix: Initial Brand Pointers..........................13























Donald E. Eastlake 3rd                                          [Page 3]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


1. Introduction

   Financial transaction cards such as credit cards and debit cards are
   identified world wide by numbers issued in conjunction with ISO
   standard 7812 [ISO 7812]. In general, the leading digits of such card
   numbers, formally called the Issuer Identification Number, indicate
   the issuing financial institution and the remainder of the number
   identifies the individual cardholder.  The institution prefix is
   usually referred to as the BIN (Bank Identification Number) and the
   entire number is known as the PAN (Primary Account Number).  Card
   numbers are generally issued in connection with "brands" such as
   VISA, MasterCard, American Express, JCB, Discover, Dinners Club, Air
   Travel Card, etc.

   There has been no automatic way, given a card number, to find any
   Internet site related to the card issuer, the card brand, or other
   card facilities.  In particular, the SET protocol [SET] defined by
   VISA, MasterCard, and others, defines a means for cardholders, when
   required, to obtain X.509 like certificates to attest to the
   cardholder's authenticity but does not specify how to locate the
   appropriate certification authority.

   In many cases, cardholders will be given URLs in mailings from the
   card issuer or on their card itself.  However, there will be other
   cases, such as older cards that have not been updated to have a URL
   or for which the URL has changed due to bank mergers or splits or a
   previously registered card for which the certificate is expiring but
   the card is still valid, when access to the current URL is
   inconvenient. There may be cases where the URL has changed since a
   card was printed due to DNS changes.  Furthermore, in certification
   authority interaction, the user will be required to supply their PAN
   in any case and the requirement that they manually enter a URL means
   additional effort and opportunity for error. (Note that PANs normally
   have a built in check digit to catch most typographical errors while
   URLs do not.)

   A means of automatically mapping BIN numbers into domain names in
   most cases means that as soon as a BIN is know (due to user PAN entry
   or selection for a list of previous entered PANs, for example), the
   ability would be present to contact facilities on the Internet for
   that card.  Thus web browsers/wallets could provide "get a SET
   certificate", "go to issuing bank", "go to card brand", etc., buttons
   whenever a BIN is known.









Donald E. Eastlake 3rd                                          [Page 4]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


2. Inverse Number Mapping and Wildcards

   When numbers are allocated in lexically hierarchical blocks so that
   the first digit or a prefix of digits is a meaningful division, the
   DNS wildcard feature can be used to provide a convenient lookup
   mechanism, even when the numbers and prefixes are variable length.
   In this regard, it is important to remember that more specific names
   always override less specific ones for DNS wildcards.

   Since domain names start with the most significant label on the right
   and go to less significant labels as you go left while in card
   numbers the leading or left most digits are the most significant
   while the trailing or right most digits are less significant, the
   digits must be reversed to match the card number and DNS naming
   systems and the digits must be interspersed with dots to provide
   hierarchical division into DNS domains.

   Note that the transformed, reversed card number need not be exposed
   to users but could only exist internally.

   For example, currently the American Express card brand is the only
   one using numbers starting with 37.  However, this is not a guarantee
   and it could be that at some future point some BIN numbers starting
   with 37 would be assigned to a different brand.  If you are looking
   up card number 37012345678 (not a valid American Express number), you
   could do a retrieval with a name like 3.2.1.0.7.3.xy (to avoid
   exposing the credit card, no more than six digits may be included in
   the query). A wild card RR with the name *.7.3.xy would match this
   and would appear in the response with its name expanded to the
   specific name asked for, but only if there were no more specific
   name.  If there were a *.3.2.1.0.7.3.xy wild card, for instance, it
   would always be chosen in preference to the *.7.3.xy wildcard in this
   case because it is a more exact match.  On the other hand, if a
   retrieval were done for 7.7.7.7.7.3.xy, it would get the more general
   *.7.3.xy wild card since it does not match the more exact wildcard.

















Donald E. Eastlake 3rd                                          [Page 5]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


3. Card Domain Names Specified

   Subdomains are defined within the card.int domain for access to the
   card certification authority, the card issuer, and the card brand.

   To find a facility, you need to (1) get the BIN, usually by
   truncating the PAN to its first six digits, (2) reverse the order of
   these digits, and (3) put a dot between each digit and add the
   appropriate facility suffix as shown below.  The financial
   transaction card number is always truncated to avoid revealing the
   full PAN in the DNS queries.

   Sections 3.1 and 3.2 give further details on the facilities
   available, section 3.3 discusses what to do about banks which are not
   on line, and section 3.4 discusses what to do if the BIN is too
   specific or not specific enough.

   None of the facility pointers obtained via these means are meant to
   be exclusive and these financial transaction card related Internet
   facilities will normally have other names and URLs that will also
   work.  These facilities are intended to supplement, not replace, the
   direct communication of domain names and URLs from banks to their
   cardholders, particularly in automated case.



3.1 Card Brand and Issuer Pointers

   The card brand and issuer home pages can be located by truncating and
   reversing the number as above and appending ".brand.card.int" or
   ".issuer.card.int" respectively.  A CNAME RR will be stored at that
   name pointing to the actual domain name for the home page.  A CNAME
   is chosen, rather than having specific "A" RRs pointing to host(s),
   "MX" RRs pointing to mail servers, etc., to minimize the update load
   on the brand.card.int subdomain.  Changes in the serving host, mail
   servers, etc., need only be made under the brand's domain name rather
   than also under card.int.

   For example, the brand for the card 551204..., a MasterCard card, can
   be found by browsing at 4.0.2.1.5.5.brand.card.int. and the issuer
   for the card 471922..., a VISA card, can be found by browsing at
   2.2.9.1.7.4.issuer.card.int.  These names can be automatically
   generated and need not be exposed to ordinary users.

   Appendix A shows an initial content of the brand.card.int subdomain.
   There are relatively few brands and they are allocated to moderately
   compact blocks of numbers with relatively few exceptions not
   belonging to the block brand.  So there will probably be under 1,000
   entries in the brand.card.int subdomain.



Donald E. Eastlake 3rd                                          [Page 6]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


   Since there are only a few tens of thousands of banks of significance
   in the world for financial transaction cards, there should be well
   under 100,000 entries in the issuer.card.int subdomain.

   Although at this time very large blocks of numbers are generally
   allocated to brands (for example almost all card numbers starting
   with 5 and 4 are MasterCard and VISA cards, respectively), numbers
   within these large blocks can be carved out by more specific entries
   for other brands where necessary.



3.2 Certification Authority (CA) Pointers

   A very high level description of the cardholder certificate issuance
   procedure in SET [SET} is for a cardholderCInitRequest initialization
   message to be sent to the CA, an initialization response received,
   then a registration form request to be sent and a registration form
   returned which the user fills in.  The completed registration form is
   submitted in a certificate request message to which there is a
   response which can include the certificate or indicate it will be
   issued later.  The registration form response message can also be a
   referral to another CA site rather than a registration form.

   The above sequence can occur over a variety of transports [SET-EIG]
   including TCP and HTTP.  TCP would be to the SET well known port 257,
   unless some other port was mutually agreed on, but cardholder to CA
   communication is normally expected to be HTTP.  In HTTP, the sequence
   is usually preceded by a kick-off message from the CA which is of
   MIME type Application/Registration-Initiation which activates a SET
   wallet.

   There are three pointers provided in connection with CAs, one for the
   CA general web page for browsing, one derived URL that can be hit to
   produce the SET certificate issuance kick-off message, and a derived
   URL that can be used to post the initial cardholderCInitRequest if a
   kick-off cycle is not needed.

   The certification authority home page can be found as described in
   3.1 above for brands and issuers, except that the suffix is ".SET-
   CA.card.int".  A CNAME will also be used in this subdomain.  At this
   time it is not clear in how many cases a certification authority will
   correspond to a single BIN, to a brand, to blocks of BINs, or even to
   part of a BIN (see section 3.4).  Note that the wild card mechanism
   can easily accommodate arrangements such as a default certification
   authority for a brand with specific CAs for some BINs within that
   brand.

   To determine the URLs to hit for the SET certificate issuance wake up
   message [SET-EIG], take the CA domain name as above, prefix it with


Donald E. Eastlake 3rd                                          [Page 7]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


   "http://", and suffix it with "/Registration-Initiation".  For some
   purposes, the wake up message may not be necessary.  In that case,
   the cardholderCInitRequest SET message [SET] can be POSTed directly
   to a similar URL but with the suffix of /cardholderCInitRequest.

      Suffix to Domain Name            Action

      /Registration-Initiation         Certificate Request Wakeup
      /cardholderCInitRequest          SET msg to start cert. req.

   Note that no explicit DNS retrieval is necessary.  In initiating a
   cardholder certificate application for card number 9876543210, you
   mechanically transform the PAN into a URL and go.  In this case that
   would be, to start with a kick-off, <httl://5.6.7.8.9.SET-
   CA.card.int/Registration-Initiation>.



3.3 Financial Institutions Not On Line

   Some numbers are allocated to banks that do not have a network
   presence.  To avoid inappropriate pointers for such banks, it will be
   necessary in some cases to add entries for such numbers which are
   CNAMEed to "bank-not-on-line.card.int" which will not exist.  Thus an
   appropriate error message will normally be generated.



3.4 BIN Ambiguity

   For the purposes of this document, the BIN is defined as the first
   six digits of the PAN.  In many cases an issuer or certification
   authority is defined by fewer digits.  This is no problem as a wild
   card can be used to match all extensions of this shorter prefix.
   However, cases where six digits are insufficient need special
   handling.

   If multiple institutions have decided to share a BIN, there are
   several ways it can be handled.  For the issuer web page either (1)
   the banks sharing the BIN can run a common web page with links to
   their individual pages on it or (2) if they are all the same brand,
   the brand can run such a multi-issuer referral page at the BIN or, in
   some cases, at a higher level wildcard or (3) if they are different
   brands, the card.int maintenance agency (see section 4) can run a
   page providing access to the different sub-BIN issuers.  A multiple
   issuer home page could just have names, icons, and links to the
   separate institutions or more complex indexing if it covered many
   banks.

   The cases where a URL is derived to access certification authority


Donald E. Eastlake 3rd                                          [Page 8]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


   facilities are not logically different from the home page case but
   need a different implementation.  In particular, instead of a human
   looking at a web page, we may have an application trying to get a
   cardholder certificate.  However, when the registration process
   reaches the point of sending the CA a registration form request, that
   request is accompanied (securely) by the full PAN.  The registration
   form response can have, instead of a registration form, a referral to
   a different URL.  Thus, the "CA" could be simply a secure referral
   program that uses as much of the PAN as it wishes, possibly more than
   the fist six digits, to determine where to forward the cardholder
   application.  This referral CA could be, as in the home page case,
   run by multiple banks or a brand or the card.int maintenance agency
   (see section 4).







































Donald E. Eastlake 3rd                                          [Page 9]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


4. card.int Domain Maintenance Agency

   For full operational deployment of the card.int domain, a maintenance
   agency for the DNS information will need to be identified.

   A possibility is an existing company engaged in domain name
   registration activities or a newly created organization for this
   purpose.  Also, the American Bankers Association (ABA) is the ISO
   7812 registration agency and so is a natural possibility.

   Funding for maintenance should not be a problem.  Current going rates
   for large scale domain registration are $35 (US) or equivalent (NSI
   fee less 30% infrastructure fund deduction, rate change for
   registration in multiple third level domains under .card.int, it is
   hard to see how the annual cost for domain registration could be such
   that it would exclude any bank wishing to participate.




































Donald E. Eastlake 3rd                                         [Page 10]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


5. Security Considerations

   This document concerns a means to map financial card numbers into the
   Domain Name System (DNS) so that card related facilities on the
   Internet, including the SET [SET] certification authority associated
   with the card, can be automatically located.  The security of the
   resulting pointers is dependent on the integrity of the card.int
   maintenance agency and the security of the DNS, including the use of
   security extensions [RFC 2065].  However, note that when used in
   connection with SET certificate issuance, the SET security mechanisms
   provide strong protection against spoofing or compromise of sensitive
   information even if DNS were subverted.

   Care should be taken in making DNS queries that the entire card
   number is NEVER used as this would expose the card number within the
   Internet.  No more than the initial six digits, which constitute the
   BIN for the purposes of this document, can be used.



References

   [ISO 7812] - Identification card - Numbering system and registration
   procedures for issuer identification, 1987.

   [RFC 1034] - Domain Names - Concepts and Facilities, P. Mockapetris,
   November 1987

   [RFC 1035] - Domain Names - Implementation and Specifications, P.
   Mockapetris, November 1987.

   [RFC 2065] - Domain Name System Security Extensions, D. Eastlake, C.
   Kaufman, January 1997.

   [SET] - Secure Electronic Transaction (SET) Specification, Version
   1.0, May 31, 1997.
        Book 1: Business Description
        Book 2: Programmer's Guide
        Book 3: Formal Protocol Definition

   [SET-EIG] - External Interface Guide to SET Secure Electronic
   Transaction, September 24, 1997.










Donald E. Eastlake 3rd                                         [Page 11]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


Author's Address

   Donald E. Eastlake 3rd
   CyberCash, Inc.
   318 Acton Street
   Carlisle, MA 01741 USA

   Telephone:   +1 978 287 4877
                +1 703 620-4200 (main office, Reston, VA)
   FAX:         +1 978 371 7148
   EMail:       dee@cybercash.com



Expiration and File Name

   This draft expires 29 March 1998.

   Its file name is draft-eastlake-card-map-00.txt.

































Donald E. Eastlake 3rd                                         [Page 12]


INTERNET-DRAFT                         Mapping Card Numbers into the DNS


Appendix: Initial Brand Pointers

   This table shows the initial brand name pointers that might be
   installed in the card.int domain.

      Initial Name                CNAME

         *.1.brand.card.int      www.air-travel-card.com
       *.0.3.brand.card.int      www.dinersclub.com
   *.8.8.0.3.brand.card.int      www.jcb.co.jp
   *.9.6.0.3.brand.card.int      www.jcb.co.jp
       *.1.3.brand.card.int      www.jcb.co.jp
       *.3.3.brand.card.int      www.americanexpress.com
   *.7.3.3.3.brand.card.int      www.jcb.co.jp
   *.8.2.5.3.brand.card.int      www.jcb.co.jp
       *.6.3.brand.card.int      www.dinersclub.com
       *.7.3.brand.card.int      www.americanexpress.com
       *.8.3.brand.card.int      www.dinersclub.com
         *.4.brand.card.int      www.visa.com
         *.5.brand.card.int      www.mastercard.com
   *.1.1.0.6.brand.card.int      www.novus.com

   (MasterCard actually only has numbers starting with 51, 52, 53, 54,
   55, and 56 but until some other brand actually has cards issued with
   a number starting with a 5, there is no reason to go to any more
   detail in the wildcard.  Discover/Novus could similarly be reduced to
   *.6.brand.card.int but in that case there would be no savings in
   number of entries in the zone.)
























Donald E. Eastlake 3rd                                         [Page 13]