JP2022553463A - 非接触カードに格納された身元データに基づく安全な認証 - Google Patents
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Abstract
Description
この出願は、2019年12月24日に出願された「非接触カードに格納された身元データに基づく安全な認証」という名称の米国特許出願第16/726,385号の優先権を主張する。前述の出願の内容は、参照によりその全体が本明細書に援用される。
Claims (20)
- システムであって、
プロセッサと
命令を格納するメモリと、を備え、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記プロセッサで実行されているアプリケーションが、アカウントに関連付けられた操作を実行するように指定する指示を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することであって、前記暗号化されたデータは、暗号化アルゴリズム、顧客識別子、および前記非接触カードの秘密鍵に基づく、ことと、
前記アプリケーションが、認証サーバから、前記認証サーバが前記非接触カードの前記秘密鍵に基づいて前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記操作を承認するために必要な認証データのタイプを決定することと、
前記アプリケーションが、認証データの前記決定されたタイプに基づいて、前記非接触カードから第1のデータ要素を受信することであって、前記第1のデータ要素は、パスポートデータまたは運転免許証データを備える、ことと、
前記アプリケーションが、前記第1のデータ要素が前記操作を承認するための少なくとも1つの規則を満たしていることを決定することと、
前記認証サーバが前記暗号化されたデータを検証したことを指定する前記受信された指示と、前記第1のデータ要素が前記操作を承認するための前記少なくとも1つの規則を満たしているという前記決定とに基づいて、前記アプリケーションによる前記操作の実行を承認することと、
を実行させる、システム。 - 前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記非接触カードから受信した前記第1のデータ要素のデジタル署名が、前記デジタル署名を提供するエンティティに関連付けられた公開鍵に基づく有効なデジタル署名であると決定することと、
前記操作のタイプに基づいて認証データの前記タイプを決定することと、
を実行させる、請求項1に記載のシステム。 - 前記第1のデータ要素は、パスポート画像を備え、前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
人物を描いた第1の画像を受信することと、
前記第1の画像を前記パスポート画像と比較することと、
前記比較に基づいて、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物の類似性が類似性閾値を超えていることを決定することであって、前記第1のデータ要素が前記少なくとも1つの規則を満たす前記決定は、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が前記類似性閾値を超えていることに基づいている、ことと、
を実行させる、請求項2に記載のシステム。 - 前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記アプリケーションが、前記操作を承認するために前記第1の画像をキャプチャすることを指定する指示を出力することと、
前記システムの画像キャプチャデバイスによって前記第1の画像をキャプチャすることと、
を実行させる、請求項3に記載のシステム。 - 前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記アカウントに関連付けられた認証資格情報を受信することであって、前記認証資格情報は、ログイン、パスワード、または生体認証資格情報のうちの1つまたは複数を備える、ことと、
前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が前記類似性閾値を超えることに基づいて、前記アカウントに関連付けられた前記第1の画像に描かれている人物を決定することであって、前記操作の前記タイプは、(i)前記アカウントの属性の表示、(ii)前記アカウントの前記属性の変更、(iii)前記アプリケーションのページへのアクセス、または(iv)前記非接触カードを使用したトランザクションの処理のうちの1つまたは複数を備える、ことと、
を実行させる、請求項4に記載のシステム。 - 前記第1のデータ要素は、前記運転免許証のバーコードを備え、前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記アプリケーションが、販売時点情報管理デバイスから、前記操作が前記非接触カードを使用して年齢制限されたアイテムのトランザクションを完了することであることを指定する指示を受信することであって、前記少なくとも1つの規則は、前記年齢制限されたアイテムの購入に必要な年齢を備える、ことと、
前記アプリケーションが、前記運転免許証の前記バーコードに基づいて、前記運転免許証および前記非接触カードに関連付けられた人物の年齢を決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が、前記年齢制限されたアイテムの購入に必要な年齢を超えていると決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が、前記年齢制限されたアイテムの購入に必要な年齢を超えていることを指定する指示を前記販売時点情報管理デバイスに送信することと、
前記アプリケーションが、前記非接触カードから受信した支払いデータを受信することと、
前記アプリケーションが、前記支払いデータを前記販売時点情報管理デバイスに送信して、前記トランザクションを完了することと、
を実行させる、請求項3に記載のシステム。 - 前記メモリは、命令を格納しており、前記命令は、前記プロセッサによって実行されると、前記プロセッサに、
前記アプリケーションが、前記第1のデータ要素の更新されたバージョンを受信することと、
前記アプリケーションが、前記非接触カードに格納するための前記第1のデータ要素の前記更新されたバージョンを送信することと、
を実行させる、請求項2に記載のシステム。 - コンピュータ可読プログラムコードが具体化された非一時的なコンピュータ可読記憶媒体であって、プロセッサによって実行可能な前記コンピュータ可読プログラムコードは、前記プロセッサに、
前記プロセッサで実行されているアプリケーションが、アカウントに関連付けられた操作を実行するように指定する指示を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することであって、前記暗号化されたデータは、暗号化アルゴリズム、顧客識別子、および前記非接触カードの秘密鍵に基づいている、ことと、
前記アプリケーションが、認証サーバから、前記認証サーバが前記非接触カードの前記秘密鍵に基づいて前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記操作を承認するために必要な認証データのタイプを決定することと、
前記アプリケーションが、認証データの前記決定されたタイプに基づいて、前記非接触カードから第1のデータ要素を受信することであって、前記第1のデータ要素は、パスポートデータまたは運転免許証データを備える、ことと、
前記第1のデータ要素が前記操作を承認するための少なくとも1つの規則を満たしていることを決定することと、
前記認証サーバが前記暗号化されたデータを検証したことを指定する前記受信された指示と、前記第1のデータ要素が前記操作を承認するための前記少なくとも1つの規則を満たしているという決定とに基づいて、前記操作の実行を承認することと、
を実行させる、非一時的なコンピュータ可読記憶媒体。 - 前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
前記非接触カードから受信した前記第1のデータ要素のデジタル署名が、前記デジタル署名を提供するエンティティに関連付けられた公開鍵に基づく有効なデジタル署名であると決定することと、
前記操作のタイプに基づいて認証データの前記タイプを決定することと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項8に記載の非一時的なコンピュータ可読記憶媒体。 - 前記第1のデータ要素は、パスポート画像を備え、前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
人物を描いた第1の画像を受信することと、
前記第1の画像を前記パスポート画像と比較することと、
前記比較に基づいて、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物の類似性が類似性閾値を超えていることを決定することであって、前記第1のデータ要素が前記少なくとも1つの規則を満たす前記決定は、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が前記類似性閾値を超えていることに基づいている、ことと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的なコンピュータ可読記憶媒体。 - 前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
前記アプリケーションが、前記操作を承認するために前記第1の画像をキャプチャすることを指定する指示を出力することと、
前記プロセッサを備えるデバイスの画像キャプチャデバイスによって前記第1の画像をキャプチャすることと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項10に記載の非一時的なコンピュータ可読記憶媒体。 - 前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
前記アカウントに関連付けられた認証資格情報を受信することであって、前記認証資格情報は、ログイン、パスワード、または生体認証資格情報のうちの1つまたは複数を備える、ことと、
前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が前記類似性閾値を超えることに基づいて、前記アカウントに関連付けられた前記第1の画像に描かれている人物を決定することであって、前記操作の前記タイプは、(i)前記アカウントの属性の表示、(ii)前記アカウントの前記属性の変更、(iii)前記アプリケーションのページへのアクセス、または(iv)前記非接触カードを使用したトランザクションの処理のうちの1つまたは複数を備える、ことと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項11に記載の非一時的なコンピュータ可読記憶媒体。 - 前記第1のデータ要素は、前記運転免許証のバーコードを備え、前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
前記アプリケーションが、販売時点情報管理デバイスから、前記操作が前記非接触カードを使用して年齢制限されたアイテムのトランザクションを完了することであることを指定する指示を受信することであって、前記少なくとも1つの規則は、前記年齢制限されたアイテムの購入に必要な年齢を備える、ことと、
前記アプリケーションが、前記運転免許証の前記バーコードに基づいて、前記運転免許証および前記非接触カードに関連付けられた人物の年齢を決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が、前記年齢制限されたアイテムの購入に必要な年齢を超えていることを決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が、前記年齢制限されたアイテムの購入に必要な前記年齢を超えていることを指定する指示を前記販売時点情報管理デバイスに送信することと、
前記アプリケーションが、前記非接触カードから受信した支払いデータを受信することと、
前記アプリケーションが、前記支払いデータを前記販売時点情報管理デバイスに送信して、前記トランザクションを完了することと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的なコンピュータ可読記憶媒体。 - 前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサに、
前記アプリケーションが、前記第1のデータ要素の更新されたバージョンを受信することと、
前記アプリケーションが、前記非接触カードのメモリに格納するために、前記第1のデータ要素の前記更新されたバージョンを前記非接触カードに送信することと、
を実行させる前記プロセッサによって実行可能な前記コンピュータ可読プログラムコードをさらに含む、請求項9に記載の非一時的なコンピュータ可読記憶媒体。 - プロセッサで実行されているアプリケーションが、アカウントに関連付けられた操作を実行するように指定する指示を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することであって、前記暗号化されたデータは、暗号化アルゴリズム、顧客識別子、および前記非接触カードの秘密鍵に基づいている、ことと、
前記アプリケーションが、前記非接触カードから受信した前記暗号化されたデータを認証サーバに送信することと、
前記アプリケーションが、前記認証サーバから、前記認証サーバが前記非接触カードの前記秘密鍵に基づいて前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記操作を承認するために必要な認証データのタイプを決定することと、
前記アプリケーションが、認証データの前記決定されたタイプに基づいて、前記非接触カードから第1のデータ要素を受信することであって、前記第1のデータ要素は、パスポートデータまたは運転免許証データを備える、ことと、
前記第1のデータ要素が、前記操作を承認するための少なくとも1つの規則を満たしていると決定することと、
前記認証サーバが前記暗号化されたデータを検証したことを指定する前記受信された指示と、前記第1のデータ要素が前記操作を承認するための前記少なくとも1つの規則を満たしているという決定とに基づいて、前記操作の実行を承認することと、
を含む、方法。 - 前記方法は、
前記非接触カードから受信した前記第1のデータ要素のデジタル署名が、前記デジタル署名を提供するエンティティに関連付けられた公開鍵に基づく有効なデジタル署名であると決定することと、
前記操作のタイプに基づいて認証データの前記タイプを決定することと、
をさらに含む、請求項15に記載の方法。 - 前記第1のデータ要素は、パスポート画像を備え、前記方法は、
前記アプリケーションが、前記操作を承認するために画像をキャプチャすることを指定する指示を出力することと、
前記プロセッサを備えるデバイスの画像キャプチャデバイスが、第1の画像をキャプチャすることと、
前記アプリケーションが、人物を描いた前記第1の画像を受信することと、
前記第1の画像を前記パスポート画像と比較することと、
前記比較に基づいて、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が類似性閾値を超えていると決定することであって、前記第1のデータ要素が前記少なくとも1つの規則を満たす前記決定は、前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との前記類似性が前記類似性閾値を超えていることに基づいている、ことと、
をさらに含む、請求項16に記載の方法。 - 前記方法は、
前記アカウントに関連付けられた認証資格情報を受信することであって、前記認証資格情報は、ログイン、パスワード、または生体認証資格情報のうちの1つまたは複数を備える、ことと、
前記パスポート画像に描かれている人物と前記第1の画像に描かれている人物との類似性が前記類似性閾値を超えること基づいて、前記アカウントに関連付けられた前記第1の画像に描かれている人物を決定することであって、前記操作の前記タイプは、(i)前記アカウントの属性の表示、(ii)前記アカウントの前記属性の変更、(iii)前記アプリケーションのページへのアクセス、または(iv)前記非接触カードを使用したトランザクションの処理のうちの1つまたは複数を備える、ことと、
をさらに含む、請求項17に記載の方法。 - 前記第1のデータ要素は、前記運転免許証のバーコードを備え、前記方法は、
前記アプリケーションが、販売時点情報管理デバイスから、前記操作が前記非接触カードを使用して年齢制限されたアイテムのトランザクションを完了することであることを指定する指示を受信することであって、前記少なくとも1つの規則は、前記年齢制限されたアイテムの購入に必要な年齢を備える、ことと、
前記アプリケーションが、前記運転免許証の前記バーコードに基づいて、前記運転免許証および前記非接触カードに関連付けられた人物の年齢を決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が、前記年齢制限されたアイテムの購入に必要な前記年齢を超えていると決定することと、
前記アプリケーションが、前記運転免許証および前記非接触カードに関連付けられた人物の前記年齢が前記年齢制限されたアイテムの購入に必要な前記年齢を超えていることを指定する指示を前記販売時点情報管理デバイスに送信することと、
前記アプリケーションが、前記非接触カードから受信した支払いデータを受信することと、
前記アプリケーションが、前記支払いデータを前記販売時点情報管理デバイスに送信して、前記トランザクションを完了することと、
をさらに含む、請求項16に記載の方法。 - 前記方法は、
前記アプリケーションが、前記第1のデータ要素の更新されたバージョンを受信することと、
前記アプリケーションが、前記第1のデータ要素の前記更新されたバージョンを前記非接触カードに送信することと、
前記非接触カードのプロセッサで実行されるアプレットが、前記第1のデータ要素の前記更新されたバージョンを前記非接触カードのメモリに格納することと、
をさらに含む、請求項16に記載の方法。
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AU2020414358B2 (en) | 2023-03-16 |
CA3121963A1 (en) | 2021-06-24 |
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