JP4739205B2 - 動的検証値を生成するための方法とシステム - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/388—Payment protocols; Details thereof using mutual authentication without cards, e.g. challenge-response
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4093—Monitoring of device authentication
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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Description
Claims (38)
- 取引で使用される支払サービスを認証するための方法であって、
支払デバイスが、支払サービスの開始に応じて前記取引に固有な第1の検証値を生成する工程であって、前記第1の検証値は第1のデータ値と第2のデータ値と取引タイプとを有するデータから生成されるものである、第1の検証値を生成する工程と、
前記支払デバイスが、前記第1の検証値と支払データを含む支払レコードをPOS端末装置へ送信する工程と、
前記POS端末装置が、前記支払レコードをサービスプロバイダのコンピュータに送信する工程と、
前記サービスプロバイダーのコンピュータが、前記第1の検証値から前記取引タイプを判別する工程と、
前記取引タイプが無線であると判別された場合に、前記サービスプロバイダのコンピュータが第2の検証値を生成する工程であって、前記第2の検証値は前記サービスプロバイダのコンピュータ中に存在するデータからのみ生成されるものである、第2の検証値を生成する工程と、
前記第1の検証値が前記第2の検証値に一致しない場合に、前記サービスプロバイダのコンピュータが前記取引を不許可とする工程と、
を有することを特徴とする方法。 - 請求項1記載の方法において、前記第1のデータ値は、前記支払サービス用の主アカウント番号を有することを特徴とする方法。
- 請求項1記載の方法において、前記第1のデータ値は、前記支払デバイス用の一意の認識番号を有することを特徴とする方法。
- 請求項1記載の方法において、前記第1のデータ値は、前記支払プロバイダ用の一意の認識番号を有することを特徴とする方法。
- 請求項1記載の方法において、前記第2のデータ値は、アプリケーション取引カウンタを有することを特徴とする方法。
- 請求項1記載の方法において、前記第2のデータ値は、暗号文を有することを特徴とする方法。
- 請求項1記載の方法において、前記第2のデータ値は、デジタル署名を有することを特徴とする方法。
- 請求項1記載の方法において、前記第2のデータ値は、前記支払データから派生した値を有することを特徴とする方法。
- 請求項1記載の方法において、前記第1の検証値は、前記支払サービスを認識するためのサービスコードと前記支払サービスの失効日とを更に含むデータから派生されることを特徴とする方法。
- 請求項1記載の方法において、前記アプリケーション取引カウンタは、各実行取引毎に任意の非0値によってインクリメントされる。
- 請求項1記載の方法において、前記支払レコードは更にアプリケーション取引カウンタを有することを特徴とする方法。
- 請求項11記載の方法において、前記アプリケーション取引カウンタを前記サービスプロバイダのコンピュータがアクセス可能なメモリに保存する工程を更に有することを特徴とする方法。
- 請求項1記載の方法において、前記支払デバイスは前記支払レコードを無線通信を通じて、前記POS端末装置に送信することを特徴とする方法。
- 取引用に検証値を動的に生成する方法であって、
前記支払デバイスが、支払サービスの開始に応答して、前記取引に固有のカード検証値を生成する工程を有し、
前記カード検証値を生成する工程は、
前記取引で使用される支払サービス用に第1のデータ値と第2のデータ値を有するベースレコードを生成する工程と、
前記ベースレコードを第1のフィールドと第2のフィールドに分割する工程と、
第1の暗号鍵を使用して前記第1のフィールドを暗号化する工程と、
前記暗号化された第1のフィールドと前記第2のフィールドに排他的論理和演算(XOR)を実行して、第1の結果を生成する工程と、
第2の暗号鍵を使って前記第1の結果を暗号化して、第2の結果を生成する工程と、
復号鍵を使って前記第2の結果を復号化し、第3の結果を生成する工程と、
第3の暗号鍵を使って前記第3の結果を暗号化して、第4の結果を生成する工程と
前記第4の結果の最も重要な桁から最も重要でない桁まで、0から9の各値を順次抽出して、第5の結果を生成する工程と、
前記第4の結果の最も重要な桁から最も重要でない桁まで、16進法のAからFまでの各値を順次抽出し、16進法のAを差し引いて、第6の結果を生成する工程と、
前記第5の結果と前記第6の結果を連結し、第7の結果を生成する工程と、
前記第7の結果から1若しくはそれ以上の値を前記カード検証値として選択する工程と、
前記支払デバイスが支払レコードをPOS端末装置に送信する工程であって、前記支払レコードは前記カード検証値と取引タイプと前記支払データの少なくとも1部とを有する、工程と、
前記POS端末装置が前記支払レコードをサービスプロバイダのコンピュータに送信し、前記サービスプロバイダーのコンピュータが前記第1の検証値から前記取引タイプを判別する工程と、
前記取引タイプが無線であると判別された場合に、前記サービスプロバイダーのコンピュータが第2の検証値を生成する工程であって、前記第2の検証値は前記サービスプロバイダーのコンピュータ中に存在するデータにのみ基づいて生成されるものである、第2の検証値を生成する工程と、
前記カード検証値が前記第2の検証値に一致しない場合に、前記サービスプロバイダーのコンピュータが、前記取引を不許可とする工程と、
を有することを特徴とする方法。 - 請求項14記載の方法において、前記第1の暗号鍵、前記第2の暗号鍵、前記第3の暗号鍵は同じであることを特徴とする方法。
- 請求項14記載の方法において、前記復号鍵は前記第1の暗号鍵と異なることを特徴とする方法。
- 請求項14記載の方法において、前記復号鍵は前記第1の暗号鍵、前記第2の暗号鍵、及び前記第3の暗号鍵と異なることを特徴とする方法。
- 請求項14記載の方法において、前記ベースレコードは128ビットの長さであることを特徴とする方法。
- 請求項14記載の方法において、前記第1のデータ値は、前記支払サービス用の主アカウント番号を有することを特徴とする方法。
- 請求項14記載の方法において、前記第1のデータ値は、前記支払デバイス用の一意の認識番号を有することを特徴とする方法。
- 請求項14記載の方法において、前記第1のデータ値は、前記支払プロバイダ用の一意の認識番号を有することを特徴とする方法。
- 請求項14記載の方法において、前記第2のデータ値は、アプリケーション取引カウンタを有することを特徴とする方法。
- 請求項14記載の方法において、前記第2のデータ値は、暗号を有することを特徴とする方法。
- 請求項14記載の方法において、前記第2のデータ値は、デジタル署名を有することを特徴とする方法。
- 請求項14記載の方法において、前記第2のデータ値は、前記支払データから派生した値を有することを特徴とする方法。
- 請求項14記載の方法において、前記カード検証値は、前記支払サービスを認識するサービスコードと、前記支払サービスの失効日とを更に含むデータから派生されることを特徴とする方法。
- 請求項14記載の方法において、前記ベースレコードは更に埋め込み文字を有し、前記ベースレコードを予め設定された長さに拡張することを特徴とする方法。
- 請求項14記載の方法において、前記第1の暗号鍵と前記第2の暗号鍵と、前記の復号鍵と、前記第3の暗号鍵は、前記支払デバイス上に存在するデータから派生されることを特徴とする方法。
- 取引を検証するためのシステムであって、
支払サービスが配置された第1の電子デバイスと、
前記第1の電子デバイスと通信する第2の電子デバイスであって、前記第2の電子デバイスは前記第1の電子デバイスに支払データを送信し、この第2の電子デバイスは前記第1の電子デバイスから支払レコードを受け取り、前記支払レコードは前記支払サービス用のアカウント番号、取引タイプ、及び前記第1の電子デバイスで前記支払データを受け取った場合に前記第1の電子デバイス上で生成される第1の検証値とを有する、第2の電子デバイスと、
前記第2の電子デバイスと通信するサービスプロバイダシステムであって、このサービスプロバイダシステムは前記支払レコードから前記取引タイプを判別し、前記取引タイプが無線であると判別した場合は、独立して第2の検証値を生成し、前記第1の検証値と前記第2の検証値が同一でない場合は前記取引を不許可にする、サービスプロバイダシステムと
を有することを特徴とするシステム。 - 請求項29記載のシステムにおいて、前記第1の電子デバイスは、ICカードであることを特徴とするシステム。
- 請求項29記載のシステムにおいて、前記第1の電子デバイスは、パーソナル・デジタル・アシスタントであることを特徴とするシステム。
- 請求項29記載のシステムにおいて、前記第1の電子デバイスは、携帯電話であることを特徴とするシステム。
- 請求項29記載のシステムにおいて、前記第1の電子デバイスは、
マイクロプロセッサと、
前記第2の電子デバイスとの通信手段と
を有することを特徴とするシステム。 - 請求項29記載のシステムにおいて、前記第1の電子デバイスは高周波を通じて前記第2の電子デバイスと通信することを特徴とするシステム。
- 請求項1記載の方法において、前記支払レコードは、磁気ストライプ形式のデータを有するものであることを特徴とする方法。
- 請求項35記載の方法において、前記磁気ストライプ形式のデータはトラック2データであることを特徴とする方法。
- 請求項14記載の方法において、前記支払データ中の前記カード検証値、取引タイプ、及び前記支払データの少なくとも1部は磁気ストライプ形式のものであることを特徴とする方法。
- 請求項29記載のシステムにおいて、前記支払レコードは、磁気ストライプ形式のデータからなるものであることを特徴とするシステム。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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US10/642,878 | 2003-08-18 | ||
US10/642,878 US7761374B2 (en) | 2003-08-18 | 2003-08-18 | Method and system for generating a dynamic verification value |
PCT/US2004/026813 WO2005020012A2 (en) | 2003-08-18 | 2004-08-18 | Generating a dynamic verification value |
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JP2007513529A JP2007513529A (ja) | 2007-05-24 |
JP4739205B2 true JP4739205B2 (ja) | 2011-08-03 |
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US (4) | US7761374B2 (ja) |
EP (3) | EP3255600B1 (ja) |
JP (1) | JP4739205B2 (ja) |
KR (2) | KR101343302B1 (ja) |
AU (1) | AU2004267784B8 (ja) |
CA (1) | CA2536208C (ja) |
SG (1) | SG137855A1 (ja) |
WO (1) | WO2005020012A2 (ja) |
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KR101343302B1 (ko) | 2013-12-20 |
US10528951B2 (en) | 2020-01-07 |
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AU2004267784B8 (en) | 2010-08-26 |
EP2605204B1 (en) | 2017-06-28 |
EP2605204A2 (en) | 2013-06-19 |
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EP1656600B1 (en) | 2017-06-28 |
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EP3255600B1 (en) | 2021-04-21 |
EP2605204A3 (en) | 2013-10-02 |
KR101342431B1 (ko) | 2013-12-18 |
EP3255600A1 (en) | 2017-12-13 |
US20130204794A1 (en) | 2013-08-08 |
KR20130106891A (ko) | 2013-09-30 |
JP2007513529A (ja) | 2007-05-24 |
AU2004267784A1 (en) | 2005-03-03 |
CA2536208C (en) | 2015-10-20 |
CA2536208A1 (en) | 2005-03-03 |
US20050043997A1 (en) | 2005-02-24 |
EP1656600A4 (en) | 2012-11-14 |
SG137855A1 (en) | 2007-12-28 |
US8423415B2 (en) | 2013-04-16 |
US20200090183A1 (en) | 2020-03-19 |
US7761374B2 (en) | 2010-07-20 |
AU2004267784B2 (en) | 2010-08-19 |
US20100262546A1 (en) | 2010-10-14 |
EP1656600A2 (en) | 2006-05-17 |
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