Tellerpass, an STK SIM applet that generates One time password for accessing web services securely.

1. TellerPassTellerPassThe autonomous Java SIM card
ATM / WebBanking / PhoneBanking
transaction protector
Yiannis Hatzopoulos SES Ltd –
eCode banking TokeneCode banking Token

2. ATM PIN camera
recorder
ATM Card Scanner
trap
ATM
Cloned card
Money Theft
Debit card ATM attackDebit card ATM attack
Wireless
transmitter

3. ATM - WebBanking -
PhoneBanking service
and TellerPass PIN
ATM Check Code on kiosk / webbanking screen
Dynamic
PIN
TellerPass InterfaceTellerPass Interface

4. NFCNFC
NFC
transfer of
TelerPass PIN
to the ATM
Banking Server
Automatic SMS PIN
transfer, to bypass
a man-in-the-middle
attack
ATM
Web-banking
OR
TellerPass communications

5. Secret ID PIN1
Cellphone TimeSlots
ATM TimeSlots
Secret ID
ATM
check code
GMT Time Normalization
PIN1 PIN2 PIN3
ATM – TellerPass Time Clock Synch
ATM – TellerPass Time Clock Synch
Current Mobile Network time (local time)
Current
ATM GMT
Time
Active PINs are PIN1, PIN2 and PIN3
...
...
Sliding window
array of PINs
ATM
check code

6. TellerPass KeyTellerPass Key
AdvantagesAdvantages
●Dynamic PIN generation – the user does not need
to remember PINs in his banking transactions.
●Multiple banking issuers can be co-hosted on the
same SIM card
●One security application for
ATM / WebBanking / PhoneBanking
●Minimal Cost, NFC access
●Instant access to services
●Instant deployment
●High degree of security
●Minimal telecommunication charges