JP2013157013A - 非接触トランザクションを行うリーダー、カード、システム、方法、プログラム、および、コンピュータ可読媒体 - Google Patents
非接触トランザクションを行うリーダー、カード、システム、方法、プログラム、および、コンピュータ可読媒体 Download PDFInfo
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Abstract
【解決手段】リーダーにおいて、非接触インターフェースに通電する前に少なくとも1つのトランザクションベースのリスク管理プロセスを実施する段階と、非接触トランザクションにおいて利用されるカードと通信を開始する段階と、カードに関連する情報を受け取る段階と、非接触トランザクションを許可する前にカードとの通信を終了する段階とを含み、非接触トランザクションをカードとの間の相互作用時間の2分の1未満で処理するように構成される。
【選択図】図1
Description
本出願は、2005年9月28日に出願された米国仮特許出願第60/721,454号及び2006年7月19日に出願された米国仮特許出願第60/807,775号に対する優先権を主張する。
(連邦政府による資金提供を受けた研究開発の記載)
適用せず。
(共同研究契約の当事者)
適用せず。
(CDで提出された資料の援用)
適用せず。
(技術分野)
本出願は、全般的及び種々の実施形態において、非接触トランザクションの相互作用時間を短縮するための装置、システム及び方法に関する発明を開示する。
12 非接触インターフェース
14 トランザクションモジュール
16 セキュリティモジュール
Claims (29)
- 非接触インターフェースと、
前記非接触インターフェースに結合されたトランザクションモジュールと、
を備えたリーダーであって、
前記トランザクションモジュールが、非接触トランザクションをカードと前記リーダーとの間の相互作用時間の2分の1未満で処理するように構成され配置されていることを特徴とするリーダー。 - 前記トランザクションモジュールが、静的データ認証を実施するよう構成され配置されていることを特徴とする請求項1に記載のリーダー。
- 前記トランザクションモジュールが動的データ認証を実施するよう構成され配置されていることを特徴とする請求項1に記載のリーダー。
- 前記リーダーが更に、前記トランザクションモジュールに結合され、前記非接触トランザクションに対する中間者攻撃を阻止するように構成され配置されたセキュリティモジュールを備えることを特徴とする請求項1に記載のリーダー。
- 無線通信用に構成され配置されたトランザクションモジュールを備えたカードであって、前記カードが、チップモードと磁気ストライプデータモードとで動作するよう構成され配置されていることを特徴とするカード。
- 前記トランザクションモジュールが、リーダーと協働して、前記カードと前記リーダーとの間の相互作用時間の2分の1未満で非接触トランザクションを実行するように更に構成され配置されていることを特徴とする請求項5に記載のカード。
- 前記カードは更に、リーダーと協働して非接触トランザクションに対する中間者攻撃を阻止するよう構成され配置されたセキュリティモジュールを備えることを特徴とする請求項6に記載のカード。
- 非接触インターフェースと該非接触インターフェースに結合されたトランザクションモジュールとを含むリーダーと、
前記非接触インターフェースを介して前記リーダーと通信するように構成され配置されたカードと、
を備え、
トランザクションモジュールが、前記カードと前記リーダーとの間の相互作用時間の2分の1未満で非接触トランザクションを処理するように更に構成され配置されていることを特徴とするシステム。 - 前記リーダーが更に、前記トランザクションモジュールに結合されたセキュリティモジュールを含み、前記セキュリティモジュールが、前記リーダーと協働して前記非接触トランザクションに対する中間者攻撃を阻止するよう構成され配置されていることを特徴とする請求項8に記載のシステム。
- 前記カードが、前記リーダーと協働して前記非接触トランザクションを実行するよう構成され配置されたトランザクションモジュールを含むことを特徴とする請求項8に記載のシステム。
- 前記カードが更に、前記リーダーと協働してトランザクションに対する中間者攻撃を阻止するよう構成され配置されたセキュリティモジュールを含むことを特徴とする請求項10に記載のシステム。
- 前記リーダーに結合されたネットワークを更に備えることを特徴とする請求項8に記載のシステム。
- 前記ネットワークが発行者に更に結合されていることを特徴とする請求項12に記載のシステム。
- 非接触トランザクションにおける相互作用時間を短縮するための方法であって、
リーダーにおいて、
非接触インターフェースに通電する前に、少なくとも1つのトランザクションベースのリスク管理プロセスを実施する段階と、
前記非接触トランザクションにおいて利用されるカードと通信を開始する段階と、
前記カードに関連する情報を受け取る段階と、
前記非接触トランザクションを許可する前に前記カードとの通信を終了する段階と、
を含む方法。 - 前記相互作用時間が前記カードと前記リーダーとの間のものであることを特徴とする請求項14に記載の方法。
- 前記少なくとも1つのトランザクションベースのリスク管理プロセスを実施する段階が、トランザクション額を予め設定された値と比較する段階を含むことを特徴とする請求項14に記載の方法。
- 前記カードに関連する情報を受け取る段階が、前記カードによってサポートされる少なくとも1つのアプリケーションに関連する情報を受け取る段階を含むことを特徴とする請求項14に記載の方法。
- 前記カードに関連する情報を受け取る段階が、暗号及び動的署名の少なくとも1つを受け取る段階を含むことを特徴とする請求項14に記載の方法。
- 前記カードと通信を終了する段階が、オンライン許可を実施する前に前記カードと通信を終了する段階を含むことを特徴とする請求項14に記載の方法。
- 前記カードと通信を終了する段階が、オフライン許可を実施する前に前記カードと通信を終了する段階を含むことを特徴とする請求項14に記載の方法。
- 前記非接触トランザクションを前記カードと前記リーダーとの間の相互作用時間の2分の1未満で完了する段階を更に含むことを特徴とする請求項14に記載の方法。
- 第2の非接触トランザクションを求める要求を受け取る段階と、
前記カードとの通信を再確立する段階と、
前記第2の非接触トランザクションを前記カードと前記リーダーとの間の相互作用時間の2分の1未満で完了する段階と、
を更に含むことを特徴とする請求項19に記載の方法。 - 前記要求が、非金融トランザクションの要求を受け取る段階を含むことを特徴とする請求項22に記載の方法。
- 前記第2の非接触トランザクションを完了する段階が、少なくとも1つのカードリスクパラメータを変更するメッセージを送信する段階を含むことを特徴とする請求項22に記載の方法。
- 前記第2の非接触トランザクションを完了する段階が、少なくとも1つのカードカウンタを変更するメッセージを送信する段階を含むことを特徴とする請求項22に記載の方法。
- 前記第2の非接触トランザクションを完了する段階が、少なくとも1つのカードステータスを変更するメッセージを送信する段階を含むことを特徴とする請求項22に記載の方法。
- 非接触トランザクションに対する中間者攻撃を阻止する方法であって、
アプリケーショントランザクションカウンタ、端末予測不能数、トランザクション額、トランザクション通貨コード、及びカード予測不能数を含む動的署名を受け取る段階と、
カード予測不能数を受け取る段階と、
前記カード予測不能数を利用して前記動的署名を再計算する段階と、
前記動的署名の妥当性が確認された場合に前記非接触トランザクションオフラインを許可する段階と、
を含む方法。 - アプリケーショントランザクションカウンタ、トランザクション額、及び端末予測不能数を含む暗号を受け取る段階と、
前記動的署名の妥当性が確認されなかった場合に前記暗号でオンライン処理された前記トランザクションを要求する段階と、
を更に含むことを特徴とする請求項27に記載の方法。 - 前記非接触トランザクションを前記カードと前記リーダーとの間の相互作用時間の2分の1未満で完了する段階を更に含むことを特徴とする請求項27に記載の方法。
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JP2013157013A true JP2013157013A (ja) | 2013-08-15 |
JP5466320B2 JP5466320B2 (ja) | 2014-04-09 |
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JP2013078069A Active JP5466320B2 (ja) | 2005-09-28 | 2013-04-03 | 非接触トランザクションを行うリーダー、カード、システム、方法、プログラム、および、コンピュータ可読媒体 |
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EP (2) | EP2711889A3 (ja) |
JP (2) | JP5490411B2 (ja) |
KR (1) | KR101378180B1 (ja) |
CN (2) | CN106447310A (ja) |
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CA (1) | CA2624191A1 (ja) |
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JP2009510629A (ja) | 2009-03-12 |
US9330386B2 (en) | 2016-05-03 |
CN102968604A (zh) | 2013-03-13 |
KR20080066715A (ko) | 2008-07-16 |
EP1934935A2 (en) | 2008-06-25 |
WO2007038743A3 (en) | 2007-12-21 |
BRPI0616470A8 (pt) | 2018-03-06 |
WO2007038743A2 (en) | 2007-04-05 |
US10043177B2 (en) | 2018-08-07 |
JP5490411B2 (ja) | 2014-05-14 |
CN102968604B (zh) | 2016-06-15 |
EP1934935A4 (en) | 2011-03-02 |
AU2006294466B2 (en) | 2011-08-18 |
KR101378180B1 (ko) | 2014-03-25 |
EP2711889A3 (en) | 2014-04-30 |
US20160260092A1 (en) | 2016-09-08 |
CN106447310A (zh) | 2017-02-22 |
US7798394B2 (en) | 2010-09-21 |
AU2006294466A1 (en) | 2007-04-05 |
RU2427917C2 (ru) | 2011-08-27 |
JP5466320B2 (ja) | 2014-04-09 |
RU2008116103A (ru) | 2009-10-27 |
EP2711889A2 (en) | 2014-03-26 |
CA2624191A1 (en) | 2007-04-05 |
US8770476B2 (en) | 2014-07-08 |
US20070118483A1 (en) | 2007-05-24 |
US9613354B2 (en) | 2017-04-04 |
US20170161723A1 (en) | 2017-06-08 |
US20100270374A1 (en) | 2010-10-28 |
BRPI0616470A2 (pt) | 2011-06-21 |
US20140246492A1 (en) | 2014-09-04 |
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