JP2017055385A - 支払データのセキュアなプロビジョニング、伝送、及び認証のための方法、装置、及びシステム - Google Patents
支払データのセキュアなプロビジョニング、伝送、及び認証のための方法、装置、及びシステム Download PDFInfo
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Abstract
【解決手段】1回限り使用の修正されたカード・トラック・データを動的CVV手法を用いてMSTからPOSへ伝送し、取引時のセキュリティ・レベルを高めるために使用する。
【選択図】図1
Description
Claims (21)
- 動的なカード・データを作成するための方法であって、
装置により、カード・トラック・データを受信するステップと、
前記装置により、第1のキーを使用して前記カード・トラック・データを暗号化するステップと、
前記装置により、前記暗号化されたカード・トラック・データをサーバへ送信するステップと、
前記装置により、ワーキング・キーを受信するステップと、
前記装置により、前記ワーキング・キー使用して、時間依存CVVを含む修正されたカード・トラック・データを生成するステップと、
前記装置により、前記修正されたカード・トラック・データをPOS端末へ送信するステップ、又はeコマース取引における使用のために前記修正されたカード・トラック・データをユーザに対して表示させるステップと
を含む方法。 - 前記修正されたトラック・データの有効期限、登録された主アカウント番号、又は任意のフィールドの一部が、カード発行者又はサード・パーティ・サービス・プロバイダに対し、前記修正されたカード・トラック・データが動的CVV(dCVV)カード・トラック・データであり、且つ承認がdCVVモードで行われることを示す、請求項1に記載の方法。
- 前記修正されたカード・TRACK・データを前記POS端末へ前記送信するステップが、前記時間依存CVV及び動的モード標識を送信するステップを含む、請求項1に記載の方法。
- 前記動的モード標識が前記修正されたTRACK・データの主アカウント番号、有効期限、又は別個の動的モード標識である、請求項3に記載の方法。
- 前記動的モード標識が、カード発行者又はサード・パーティ・サービス・プロバイダに対し、前記修正されたカード・トラック・データが動的CVV(dCVV)カード・トラック・データであり、且つ承認がdCVVモードで行われることを示す、請求項4に記載の方法。
- 前記装置が磁気ストライプ記憶及び伝送装置又はモバイル通信デバイスである、請求項1に記載の方法。
- 発行者により動的金融カード・データをプロビジョニングするための方法であって、
サーバにより、カード・トラック・データのプロビジョニングの要求を受信するステップと、
前記サーバにより、カード発行者サーバに対して、前記カード・トラック・データに対応するユーザの認証を要求するステップであって、前記カード発行者サーバが前記カード・トラック・データのカード発行者に対応している、ステップと、
前記サーバにより、前記カード発行者サーバから認証結果を受信するステップと、
前記サーバにより、動的カード・トラック・データの前記生成のためのワーキング・キーを生成するステップと
を含む方法。 - 前記カード発行者サーバに対して前記ユーザの前記認証を前記要求するステップが、主アカウント番号と、CVV−2、氏名、生年月日、ユーザ名及びパスワード、並びに認証用質問への回答の内少なくとも1つとを前記カード発行者サーバへ、認証のために送信するステップを含む、請求項7に記載の方法。
- 前記ワーキング・キーをウォレット・サーバへ安全に送信するステップをさらに含む、請求項7に記載の方法。
- 支払い取引の開始に応答して、動的CVV(dCVV)の照合の要求を受信するステップをさらに含み、前記dCVVが前記ワーキング・キーに基づいている、請求項7に記載の方法。
- 前記dCVVの照合の前記要求を前記受信するステップが、主アカウント番号、有効期限、サービス・コード、タイムスタンプ、及びモード標識を受信するステップを含む、請求項10に記載の方法。
- 前記受信したタイムスタンプを前記サーバ上の格納されたタイムスタンプ又は現在時刻と、取引を照合するために比較するステップをさらに含む、請求項11に記載の方法。
- 前記格納されたタイムスタンプ又は現在時刻が前記受信したタイムスタンプよりも大きい値の時刻に対応していることに応答して、承認失敗を送信するステップをさらに含む、請求項12に記載の方法。
- 動的CVV(dCVV)を実行するための方法であって、
サーバにより、カード・トラック・データのためのワーキング・キーを生成するステップと、
磁気ストライプ記憶及び伝送装置(MST)により、前記ワーキング・キーを受信するステップと、
前記MSTにより、元のカード・トラック・データと、タイムスタンプ又はカウンタと、前記ワーキング・キーとに基づき、dCVVコンポーネントを含む修正されたカード・トラック・データを生成するステップと、
前記修正されたカード・トラック・データをPOS端末又はeコマースウェブサイトへ、支払い処理のために、送信するステップと、
前記サーバにより、前記支払い処理の開始に応答して、カード発行者サーバ又はサード・パーティ・サービス・プロバイダからの前記dCVVの照合の要求を受信するステップであって、前記要求が前記修正されたカード・トラック・データを含む、ステップと、
前記サーバにより、前記dCVVコンポーネントの照合を実行するステップと、
前記サーバにより、前記dCVVコンポーネントの前記照合に基づく照合失敗又は最終照合を送信するステップと
を含む方法。 - 前記修正されたカード・トラック・データが、前記dCVVコンポーネントと、主アカウント番号と、有効期限と、サービス・コードと、前記タイムスタンプ又はカウンタと、任意選択により、承認がdCVVモードで行われることを示す、前記有効期限又は前記主アカウント番号が用いられないときの別個のモード標識とを含む、請求項14に記載の方法。
- 前記モード標識が、前記カード発行者サーバに対し、前記修正されたカード・トラック・データがdCVVカード・トラック・データであり、且つ承認がdCVVモードで行われることを示す、請求項15に記載の方法。
- 前記照合を前記実行するステップが、受信されたタイムスタンプ又は受信されたカウンタを、格納されたタイムスタンプ又は前記サーバの現在時刻又は格納されたカウンタと比較するステップを含む、請求15に記載の方法。
- 前記照合失敗又は最終照合を前記送信するステップが、前記格納されたタイムスタンプ又は前記サーバの現在時刻が、前記受信されたタイムスタンプよりも大きい値の時刻に対応していることに応答して、前記照合失敗を送信するステップを含む、請求項17に記載の方法。
- 前記照合を前記実行するステップが、前記サーバにより、前記ワーキング・キーを使用してdCVV値を独自に計算するステップと、前記計算されたdCVV値を前記dCVVコンポーネントと比較するステップとを含む、請求項15に記載の方法。
- 前記照合失敗又は最終照合を前記送信するステップが、前記計算されたdCVV値が前記受信したdCVVコンポーネントと一致することに応答して、前記最終照合を送信するステップを含む、請求項19に記載の方法。
- 前記サーバにより、前記元のカード・トラック・データを、前記カード発行者サーバの通常の処理方法により処理して取引を完了するために、前記カード発行者サーバへ送信するステップをさらに含み、前記元のカード・トラック・データが、前記カード発行者サーバに対応するカード発行者のデータに対応している、請求項14に記載の方法。
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US201461974696P | 2014-04-03 | 2014-04-03 | |
US61/974,696 | 2014-04-03 | ||
US14/511,994 | 2014-10-10 | ||
US14/511,994 US20150371234A1 (en) | 2014-02-21 | 2014-10-10 | Methods, devices, and systems for secure provisioning, transmission, and authentication of payment data |
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KR20160077171A (ko) | 2016-07-01 |
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CN105027153A (zh) | 2015-11-04 |
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AU2015219276A1 (en) | 2016-05-05 |
RU2016118742A (ru) | 2017-11-20 |
EP3061056A1 (en) | 2016-08-31 |
CA2927113C (en) | 2019-09-10 |
CA2927113A1 (en) | 2015-08-27 |
JP2017502582A (ja) | 2017-01-19 |
JP6214724B2 (ja) | 2017-10-18 |
SG11201602941WA (en) | 2016-05-30 |
EP3061056A4 (en) | 2017-04-05 |
EP3061056B1 (en) | 2021-12-15 |
CN105701661A (zh) | 2016-06-22 |
HK1211724A1 (en) | 2016-05-27 |
AU2015219276B2 (en) | 2017-06-22 |
AU2016202504B2 (en) | 2017-09-21 |
WO2015126753A1 (en) | 2015-08-27 |
US20150371234A1 (en) | 2015-12-24 |
KR101784125B1 (ko) | 2017-10-10 |
SG10201702208RA (en) | 2017-04-27 |
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