JP4934807B2 - 接触および非接触取引における無線周波数識別を用いた支払いシステムおよび方法 - Google Patents
接触および非接触取引における無線周波数識別を用いた支払いシステムおよび方法 Download PDFInfo
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Description
本発明は、一般的には、取引を完了させるシステムおよび方法に関し、より詳細には、接触および非接触取引における無線周波数識別(RFID)を用いた金融取引を完了させるシステムおよび方法に関する。
バーコードおよびボイスデータエントリのように、RFIDは非接触情報取得技術である。RFIDシステムは、ワイヤレスであり、通常、従来の取得方法が失敗する敵対環境において、極めて効果的である。RFIDは、例えば、線路コンテナの高速リーディング、家畜または自動車等の移動物体のトラッキング、および小売在庫アプリケーション等の広範囲の市場において確立した。そのため、RFID技術は、世界規模の自動化データ収集、識別および解析システムにおいて、主要な焦点となった。
本明細書中に記載されるのは、金融取引を開始および完了させるためにRFID技術を用いるシステムおよび方法である。本明細書中に記載されるトランスポンダ−リーダ支払いシステムは、トランスポンダシステムに電力供給し、トランスポンダシステムRF信号を受信し、かつ、トランスポンダシステムRF信号に関連するトランスポンダシステムアカウントデータを提供するために、RF呼び掛け信号を提供するように動作するRFIDリーダを備え得る。トランスポンダ−リーダ支払いシステムは、呼び掛け信号をトランスポンダに提供する1つ以上のインタロゲータとの電子通信におけるRFIDプロトコル/シーケンスコントローラ、トランスポンダから受信した信号を認証するRFID認証回路、相互作用デバイスのポイントとインターフェースするシリアルまたはパラレルインターフェース、ならびにRFIDリーダおよび/またはトランスポンダをパーソナライズする際に利用するためのUSBまたはシリアルインターフェースを備え得る。トランスポンダ−リーダ支払いシステムは、さらに、呼び掛け信号に応答し、トランスポンダおよび/またはRFIDリーダがトランスポンダ−リーダ支払いシステム内での動作が認可されていることを検証する認証信号を提供する、1つ以上のトランスポンダ(例えば、モジュール)を含むフォブを備え得る。このように、トランスポンダは、異なる周波数で提供される複数の呼び掛け信号に応答し得る。さらに、トランスポンダは、コンピュータネットワークまたはRFIDリーダ共に利用するために、USBまたはシリアルインターフェースを備え得る。
添付の図面(同じ番号は同じ要素を示す)は、本発明の例示的実施形態を示し、説明と共に、本発明の原理の説明を提供する。
を介してトランスポンダと接続されるユーザインターフェース134を含み得る。
よび/または光学デバイスの任意の形式で分配および格納され得る。カスタマーアカウントナンバーは、例えば、16桁クレジットカードナンバーであってもよいが、各クレジットプロバイダは、American Expressで利用される15桁ナンバリングシステムのような専用のナンバリングシステムを有する。各社のクレジットカードナンバーは、その企業の標準化された形式に従うことにより、16桁形式を利用する企業は、一般的に、ナンバー「0000 0000 0000 0000」で表わされるような4つに区切られたナンバーのセットを利用する。典型的な例では、最初の5から7桁は、処理目的で確保され、発行銀行、カードタイプ等を識別する。この例では、最後の16番目の桁は、16桁ナンバーの加算チェックとして利用される。中間の8から10桁は、カスタマーを一意に識別するために利用される。アカウントナンバーは、ISO/IEC7813で規定されるようなトラック1およびトラック2データに格納され、さらに、フォブ102に対して固有となり得る。ある例示的実施形態では、アカウントナンバーは、固有のフォブシリアルナンバーおよびユーザ識別番号ならびに特定のアプリケーションアプレットを含み得る。アカウントナンバーは、以下により十分に説明されるように、データベース214内のフォブ102に格納され得る。データベース214は、インスティチューションを提供する同一または異なるアカウントによって、フォブ102ユーザに対して発行された複数のアカウントナンバーを格納するように構成され得る。アカウントデータがロイヤルティーまたは報酬アカウントに対応する場合、データベース214は、付随するロイヤルティーまたは報酬ポイントデータを格納するように構成され得る。
不揮発性セキュアメモリデータベース212と通信し得る。セキュアメモリデータベース212は、ISO/IEC7816−4により規定されるような任意の適切な基本ファイルシステム、またはチップ上のアプリケーションによりインタプリタされるデータのルックアップを可能にする任意の他の基本ファイルシステムであり得る。データベース212は、関連、階層、および/またはオブジェクト指向等の任意のタイプのデータベースであり得る。データベースを実装するために利用され得る共通のデータベース製品は、IBM(White Plains,NY)のDB2、Oracle Corporation(Redwood Shores, CA)から市販される任意のデータベース製品、Microsoft Corporation(Redmond,Washington)Microsoft AccessまたはMSSQL、あるいは任意のほかのデータベース製品を含む。データベースは、データテーブルまたはルックアップテーブル等を含む、任意の適切な態様で整理され得る。あるデータの連関は、公知であり従来から用いられている任意のデータ連関技術により達成され得る。例えば、連関は、手動または自動のどちらかで達成され得る。自動連関技術は、例えば、データベース検索、データベースマージ、GREP、AGREP、および/またはSQL等を含み得る。連関ステップは、例えば、製造業者および小売店のデータテーブルの各々における「キーフィールド」を利用して、データベースマージ機能により達成され得る。「キーフィールド」は、キーフィールドにより規定されるオブジェクトの上位クラスに応じて、データベースを区切る。例えば、あるクラスは、第1のデータテーブルおよび第2のデータテーブルの両方のキーフィールドとして設計され得、第2のデータテーブルは、キーフィールドのクラスデータを基にマージされ得る。この実施形態では、マージされたデータテーブルの各々のキーフィールドに対応するデータは、好ましくは同一である。しかし、キーフィールドに同一でなくとも同様のデータを有するデータテーブルは、例えば、AGREPを利用してマージされ得る。
、アンテナ218およびトランスポンダ220を含み得、ここで、アンテナ218およびトランスポンダ220は、RFIDリーダ104により提供されるさらなるRF信号の少なくとも1つと互換性がある。例えば、ある実施形態では、フォブ102は、134KHzトランスポンダ220と通信するように構成される134KHzアンテナ218を含み得る。この例示的構成では、ISO/IEC14443−2準拠変調器/復調器は、なくてもよい。代わりに、134KHzトランスポンダは、上述される認証およびアカウントナンバー信号の送受信のためのプロトコル/シーケンスコントローラ208と直接通信するように構成され得る。
フォブ102の内部回路を起動し得る。このように、スイッチ230は、フォブ102のアクティブおよびインアクティブ状態の制御を容易にし得る。このような制御は、フォブ102の不注意または不正な利用を回避することによって、システムセキュリティを増大させる。
の周波数で動作している場合、フォブ102で13.56kHzモジュールでの動作のみが可能である。ここで、リーダ104は、134kHzの周波数、13.56MHzRFモジュールの両方を支援して、このフォブ102は、リーダ104から両方の信号を受信し得る。この場合、フォブ102は、一方の周波数または他方の周波数の選択を優先するように構成され得、残りの周波数を拒絶する。あるいは、リーダ104は、呼び出しと共にフォブ102からの両方の周波数で信号を受信し得る。この場合、リーダ104は、一方または他方の周波数のセクションを優先するように構成されて、別の周波数を拒絶してもよい。
ブ102からの信号を認可するまでシステム100の動作が起こらないかもしれないことを意味し得る。
号化された認証コードが認証回路によって読み出し可能(例えば、認識可能)ではない場合、フォブ102は、認可されていない(例えば、検証されていない)と判断され(ステップ416)、システム100の動作は、終了する(ステップ418)。逆に、復号化された認証コードがフォブ102によって認識可能である(例えば、検証されている)場合、復号化された認証コードは、認証されていると判断され(ステップ412)、この取引は、進行可能となる(ステップ414)。1つの特定の実施形態において、進行している取引は、フォブ102がRFIDリーダ104を認証し得ることを意味し得る。しかし、RFIDリーダ104をフォブ102が認証する前に、RFIDリーダ104がフォブ102を認証し得ることは明らかである。
22を介してPOSデバイス110に転送し得る。POSデバイス110は、復号化されたアカウント番号を受信し得、通常の規格として商取引ビジネスの下でのプロセスとして、磁気ストリップでフォーマットされたアカウント番号を商取引ネットワーク112に転送し得る。このように、本発明は、第3者のサーバを必要としない。さらに、POSデバイス110がネットワーク112(例えば、認可された取引、または、否定された取引)から応答を受信する場所では、プロトコル/シーケンスコントローラ314は、ネットワークフォブ102ユーザへの応答と光学的におよび/または音響的に通信するRFモジュール302へのネットワーク応答を提供し得る。
ロセスは、パーソナリゼーションシステム116とパーソナライズされるデバイス(例えば、フォブ102またはRFIDリーダ104)との間で起こり、例えば、ステップ602で開始し得る。RFIDリーダ104と相互に認証するフォブ102に関して上記されたものと大部分が同じ様態で、パーソナリゼーションシステム116と認証されるデバイスとの間で相互の認証が起こり得る。つまり、パーソナリゼーションシステム116は、パーソナリゼーションシステム116の識別子を、認証されるデバイスに伝送し得、このデバイスは、デバイスデータベース210、310に格納されたパーソナリゼーションシステム識別子に対して、デバイス認証回路210、308によって比較される。マッチングが起こらないとき(ステップ604)、このパーソナリゼーションプロセスは、アボートされ得る(ステップ612)。マッチングが起こるとき(ステップ604)、このパーソナリゼーションシステムは、パーソナライズされるデバイスに提供されるパーソナリゼーションファイルを用意し得る(ステップ606)。このパーソナリゼーションシステムが手動で動作される場合、このパーソナリゼーションファイルは、例えば、キーボード等の任意の適切なインターフェースを用いて、パーソナリゼーションシステム116に入力され得る(ステップ606)。このパーソナリゼーションシステム116オペレータは、パーソナリゼーションファイルの準備を遅延させることを選択して、このシステム116は、パーソナリゼーションプロセスをアボートし得る(ステップ610)。このコンテキストにおいて、パーソナリゼーションファイルは、固有のフォブ102またはRFIDリーダ104識別子、データベース212および310にロードする安全キー、および/または、データベース320にロードされ得るフォブアカウント番号を復号化する安全キーを含み得る。
解析のためにパーソナリゼーションファイル情報のログを生成し得る(ステップ626)。
きネットワーク112に伝送するためにPOS110デバイスに提供され得る。POSデバイス110は、次いで、顧客と通信する(ステップ832)ために、光学的および/または音響的取引状態メッセージをRFIDリーダ104(ステップ830)に送り得る。
ィティの第2検証を提供する。センサ指紋は、デジタル化され、そしてフォッブ102上に含まれるデータベース(例えば、セキュリティデータベース212)に格納されたデジタル化指紋と比較され得る。そのような比較ステップは、プロトコル/シーケンスコントローラ208によって制御され得、かつ認証回路210によって確認され得る。そのような検証がなされた場合、フォッブ102とRFIDリーダ104との間の相互認証が開始し得、そしてしたがってトランザクションが進行し得る。あるいは、比較は、フォッブ102トランザクションアカウントプロバイダシステム(図示せず)によって維持されるデータベース上に格納されたデジタル化指紋となされ得る。デジタル化指紋は、PINに関して上記した方法と全く同じ方法で検証され得る。
Claims (23)
- RF支払いトランザクションを行うために用いられる無線識別(RFID)リーダと通信するように構成された無線周波数(RF)支払いデバイスであって、前記RF支払いデバイスは、
前記RFIDリーダからデバイス認証コードを受信するように構成されたRFアンテナを含むRFトランスポンダと、
前記RF支払いデバイスに関連付けられた固有のデバイス識別コードであって、前記固有のデバイス識別コードは、前記RF支払いデバイスを識別するためのものであり、前記固有のデバイス識別コードは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、固有のデバイス識別コードと、
前記固有のデバイス識別コードに対応する固有のデバイス暗号化キーであって、前記固有のデバイス暗号化キーは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、固有のデバイス暗号化キーと、
前記RF支払いデバイスに関連付けられたデバイスアカウントコードであって、前記デバイスアカウントコードは、ユーザアカウントを識別するためのものであり、前記デバイスアカウントコードは、前記固有のデバイス識別コードに関連付けられており、前記デバイスアカウントコードは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、デバイスアカウントコードと、
前記デバイス認証コードを用いて前記RFIDリーダおよび前記RF支払いデバイスを認証し、かつ、前記固有のデバイス暗号化キーを用いて前記デバイス認証コードを暗号化するように構成されたデバイス認証回路と
を備え、
前記デバイス認証回路は、前記固有のデバイス暗号化キーを用いて前記デバイスアカウントコードを暗号化することにより、暗号化されたデバイスアカウントコードを生成するようにさらに構成されており、
前記RFアンテナは、前記暗号化されたデバイス認証コードおよび前記暗号化されたデバイスアカウントコードのうちの少なくとも一方を前記RFIDリーダに送信するように構成されている、RF支払いデバイス。 - 第2のRFアンテナを含む第2のRFトランスポンダをさらに備え、前記RFトランスポンダは、第1のRFトランスポンダであり、前記RFアンテナは、第1のRFアンテナである、請求項1に記載のRF支払いデバイス。
- 前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方は、RFIDリーダ認証コードを前記RFIDリーダに送信するように構成されており、前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方は、前記RFIDリーダから暗号化されたRFIDリーダ認証コードを受信するように構成されており、
前記RFIDリーダ認証コードは、前記RFIDリーダによって暗号化され、これにより、前記RFIDリーダの認証を行うための前記暗号化されたRFIDリーダ認証コードが生成され、前記暗号化されたRFIDリーダ認証コードは、前記RF支払いデバイスによって、前記RFIDリーダを認証するために用いられる、請求項2に記載のRF支払いデバイス。 - RFIDリーダ復号化キーをさらに備え、
前記デバイス認証回路は、前記RFIDリーダを認証するために、前記RFIDリーダ復号化キーを用いて前記RFIDリーダから受信された暗号化されたRFIDリーダ認証コードを復号化するように構成されており、前記RFIDリーダ復号化キーは、前記暗号化されたRFIDリーダ認証コードに対応する、請求項3に記載のRF支払いデバイス。 - 前記固有のデバイス識別コードと、前記固有のデバイス暗号化キーと、前記デバイスアカウントコードと、前記RFIDリーダ復号化キーとは、パーソナリゼーションシステムによって前記RF支払いデバイスに提供され、前記パーソナリゼーションシステムは、前記RFIDリーダおよび前記RF支払いデバイスのうちの少なくとも一方を更新するためのシステムである、請求項4に記載のRF支払いデバイス。
- 前記第1のRFトランスポンダおよび前記デバイス認証回路と通信可能なように構成されたプロトコル/シーケンスコントローラをさらに備え、
前記プロトコル/シーケンスコントローラは、モジュレータ/デモジュレータを介して前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方と通信可能なように構成されており、前記モジュレータ/デモジュレータは、前記プロトコル/シーケンスコントローラと通信することにより、前記プロトコル/シーケンスコントローラが、前記第1のRFトランスポンダと通信すること、および、前記デバイス認証回路と通信することを可能にする、請求項2に記載のRF支払いデバイス。 - 前記暗号化されたデバイスアカウントコードおよび前記暗号化されたデバイス認証コードのうちの少なくとも一方を前記RFIDリーダに通信するように構成された有線のインタフェースをさらに備えている、請求項1に記載のRF支払いデバイス。
- 前記有線のインタフェースは、前記パーソナリゼーションシステムが前記RF支払いデバイスの情報を変更および削除することを可能にするために、前記パーソナリゼーションシステムが前記RF支払いシステムにアクセスすることを可能にするように構成されたUSBインタフェースであり、前記パーソナリゼーションシステムは、前記RFIDリーダおよび前記RF支払いデバイスのうちの少なくとも一方を更新するためのシステムである、請求項7に記載のRF支払いデバイス。
- 前記デバイスアカウントコードは、固有のアカウント番号を含み、前記固有のアカウント番号は、前記アカウント番号が磁気ストライプカード上に磁気ストライプフォーマットで格納される場合に必要とされるフォーマットに従ってフォーマットされている、請求項1〜8のいずれか一項に記載のRF支払いデバイス。
- 前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方をイネーブル/ディスエーブルするように構成されたイネーブル/ディスエーブルスイッチをさらに備え、前記イネーブル/ディスエーブルスイッチは、前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方による信号の送信または受信を可能にする、または、妨げるために、前記第1のRFアンテナおよび前記第2のRFアンテナのうちの少なくとも一方に結合されている、請求項2〜9のいずれか一項に記載のRF支払いデバイス。
- 前記RF支払いデバイスは、電子キーフォブである、請求項1〜10のいずれか一項に記載のRF支払いデバイス。
- RF支払いデバイスと通信するように構成され、RF支払いトランザクションを行うために用いられるRFIDリーダであって、前記RFIDリーダは、
前記RF支払いデバイスからRFIDリーダ認証コードを受信するように構成されたRFアンテナであって、前記RFアンテナは、支払いデバイス認証コードを前記RF支払いデバイスに送信するようにさらに構成されており、前記RFアンテナは、前記RF支払いデバイスから暗号化された支払いデバイス認証コードと固有の支払いデバイス識別コードと差し出されたバイオメトリックサンプルと暗号化された支払いデバイスアカウントコードとを受信するようにさらに構成されており、前記RFIDリーダ認証コードは、前記RF支払いデバイスによって、前記RFIDを認証するために用いられ、前記支払いデバイス認証コードは、前記RFIDリーダによって、前記RF支払いデバイスを認証するために用いられ、前記固有の支払いデバイス識別コードと、前記暗号化された支払いデバイスアカウントコードに関連付けられた支払いデバイスアカウントコードとは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、RFアンテナと、
前記RF支払いデバイスに送信されるべきデータを暗号化するために用いられるRFIDリーダ暗号化キーと、
前記RF支払いデバイスから受信されたデータを復号化するための複数のデバイス特有な復号化キーと、
前記支払いデバイス認証コードを用いて前記RF支払いデバイスを認証するためのRFID認証回路と
を備え、
前記RFIDリーダは、前記RFIDリーダ暗号化キーを用いて前記RFIDリーダ認証コードを暗号化するように構成されており、前記RFアンテナは、前記暗号化されたRFIDリーダ認証コードを前記RF支払いデバイスに送信するように構成されており、
前記RFID認証回路は、
前記固有の支払いデバイス識別コードを前記固有の支払いデバイス復号化キーに関連付けることによって、前記複数のデバイス特有な復号化キーから固有の支払いデバイス復号化キーを選択することと、
前記固有の支払いデバイス復号化キーを用いて前記暗号化された支払いデバイス認証コードを復号化することと、
前記RF支払いデバイスを認証するために、前記復号化された支払いデバイス認証コードと前記支払いデバイス認証コードとを比較することと、
前記固有の支払いデバイス復号化キーを用いて前記暗号化された支払いデバイスアカウントコードを復号化することと
を行うように構成されており、
前記RFIDリーダは、支払い処理のために、前記復号化された支払いデバイスアカウントコードをネットワークに送信するように構成されている、RFIDリーダ。 - 前記RF支払いデバイスと通信するように構成された有線のインタフェースをさらに備えている、請求項12に記載のRFIDリーダ。
- 前記有線のインタフェースは、前記パーソナリゼーションシステムが前記RF支払いデバイスの情報を変更および削除することを可能にするために、前記パーソナリゼーションシステムが前記RF支払いデバイスおよび前記RFIDリーダのうちの少なくとも一方にアクセスすることを可能にするようにさらに構成されたUSBインタフェースであり、前記パーソナリゼーションシステムは、前記RFIDリーダおよび前記RF支払いデバイスのうちの少なくとも一方を更新するためのシステムである、請求項13に記載のRFIDリーダ。
- 前記復号化された支払いデバイスアカウントコードは、支払いデバイスアカウント番号を含み、前記支払いデバイスアカウント番号は、前記アカウント番号が磁気ストライプカード上に磁気ストライプフォーマットで格納される場合に必要とされるフォーマットに従ってフォーマットされ、前記支払いデバイスアカウント番号は、支払い処理のために前記支払いデバイスアカウント番号をネットワークに送信することにより、ポイントオブセールス(POS)デバイスに送信され、通常の規格として商人のビジネス下で処理されるように構成されている、請求項12、13または14に記載のRFIDリーダ。
- 前記支払いデバイスアカウント番号のフォーマットは、国際規格ISO/IEC7813において規定された磁気ストライプフォーマットである、請求項15に記載のRFIDリーダ。
- 二次的な検証を受信するように構成されたRFIDリーダPINインタフェースをさらに備え、前記二次的な検証は、個人識別番号(PIN)であり、前記RFIDリーダPINインタフェースは、前記PINが入力されることを可能にする入力手段である、請求項12〜16のいずれか一項に記載のRFIDリーダ。
- 前記RFアンテナは、ほぼ13.56MHzの周波数およびほぼ134kHzの周波数のうちの少なくとも一方で動作するように構成されている、請求項12〜17のいずれか一項に記載のRFIDリーダ。
- トランスポンダを含むRF支払いデバイスを利用してRF支払いトランザクションを行う方法であって、
前記方法は、
RFIDリーダからRF呼掛け信号を受信することであって、前記RF呼掛け信号は、支払いデバイス認証コードを含む、ことと、
前記RF呼掛け信号に応答して、トランスポンダシステム認証回路を活性化することと、
前記トランスポンダシステム認証回路において、固有の暗号化キーを用いて前記支払いデバイス認証コードを暗号化することであって、前記固有の暗号化キーは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、ことと、
暗号化された支払いデバイス認証コードおよび固有の支払いデバイス識別コードを前記RFIDリーダに送信することであって、前記固有の支払いデバイス識別コードは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、ことと、
RFIDリーダ認証コードを前記RFIDリーダに送信することであって、前記RFIDリーダ認証コードは、前記RF支払いデバイスによって、前記RFIDリーダを認証するために用いられる、ことと、
暗号化されたRFIDリーダ認証コードを受信することであって、前記暗号化されたRFID認証コードは、前記RFIDリーダに送信された前記RFIDリーダ認証コードとの比較を行うために用いられる、ことと、
トランスポンダ復号化キーを用いて前記暗号化されたRFIDリーダ認証コードを復号化することにより、復号化されたRFIDリーダ認証コードを生成することと、
前記復号化されたRFIDリーダ認証コードが前記RFIDリーダに送信された前記RFIDリーダ認証コードに一致したことに応答して、前記RFIDリーダを認証することと、
前記復号化されたRFIDリーダ認証コードが前記RFIDリーダに送信された前記RFIDリーダ認証コードに一致したことに応答して、前記RF支払いデバイスアカウントデータを前記RFIDリーダに送信することであって、前記RF支払いデバイスアカウントデータは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、ことと
を含む、方法。 - 第2のトランスポンダが、前記RFIDリーダから第2のRF呼掛け信号を受信することをさらに含み、前記RF支払いデバイスは、前記第2のトランスポンダを含み、前記トランスポンダは、第1のトランスポンダであり、前記RF呼掛け信号は、第1のRF呼掛け信号である、請求項19に記載の方法。
- RFIDリーダを用いてRF支払いトランザクションを行う方法であって、
支払いデバイス認証コードをRF支払いデバイスに送信することであって、前記支払いデバイス認証コードは、前記RFIDリーダによって、前記RF支払いデバイスを認証するために用いられる、ことと、
前記RF支払いデバイスから暗号化された支払いデバイス認証コードおよび固有の支払いデバイス識別コードを受信することであって、前記暗号化された支払いデバイス認証コードは、前記RFIDリーダに送信された前記RFIDリーダ認証コードとの比較を行うために用いられ、前記固有の支払いデバイス識別コードは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、ことと、
前記固有の支払いデバイス識別コードに対応する固有の支払いデバイス復号化キーを用いて前記暗号化された支払いデバイス認証コードを復号化することにより、復号化された支払いデバイス認証コードを生成することと、
前記復号化された支払いデバイス認証コードと前記RF支払いデバイスに送信された前記支払いデバイス認証コードとを比較することと、
前記復号化された支払いデバイス認証コードが前記RF支払いデバイスに送信された前記支払いデバイス認証コードに一致したことに応答して、前記RF支払いデバイスを認証することと
を含む、方法。 - 前記RF支払いデバイスから暗号化された支払いデバイスアカウントコードを受信することであって、前記暗号化された支払いデバイスアカウントコードは、前記RFIDリーダから、RF通信を介して前記RF支払いデバイスに入れられる、ことと、
前記固有の支払いデバイス復号化キーを用いて前記暗号化された支払いデバイスアカウントコードを復号化することであって、前記固有の支払いデバイス復号化キーは、前記固有の支払いデバイス識別コードに対応する、ことと、
支払い処理のために、前記復号化された支払いデバイスアカウントコードをネットワークに送信することと
をさらに含む、請求項21に記載の方法。 - 前記RF支払いデバイスからRFIDリーダ認証コードを受信することであって、前記RFIDリーダ認証コードは、前記RF支払いデバイスによって、前記RFIDリーダを認証するために用いられる、ことと、
RFIDリーダ暗号化キーを用いて前記RFIDリーダ認証コードを暗号化することであって、前記RFIDリーダ暗号化キーは、前記RFIDリーダに対して固有である、ことと、
前記RFIDリーダを認証するために、前記暗号化されたRFIDリーダ認証コードを前記RF支払いデバイスに送信することと
をさらに含む、請求項22に記載の方法。
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- 2002-07-10 KR KR1020047000411A patent/KR100699954B1/ko not_active IP Right Cessation
- 2002-07-10 MX MXPA04000253A patent/MXPA04000253A/es active IP Right Grant
- 2002-07-10 CA CA002452351A patent/CA2452351A1/en not_active Abandoned
- 2002-07-10 CN CNB028137833A patent/CN100370838C/zh not_active Expired - Fee Related
- 2002-07-10 NZ NZ530497A patent/NZ530497A/en unknown
- 2002-07-10 AU AU2002318293A patent/AU2002318293B2/en not_active Ceased
- 2002-07-10 BR BR0210962-0A patent/BR0210962A/pt not_active IP Right Cessation
- 2002-07-10 EP EP02748120A patent/EP1413150A4/en not_active Ceased
- 2002-07-10 WO PCT/US2002/021903 patent/WO2003007623A2/en active IP Right Grant
- 2002-07-10 CN CNA2007103055805A patent/CN101187989A/zh active Pending
- 2002-07-10 JP JP2003513257A patent/JP2004535640A/ja active Pending
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Also Published As
Publication number | Publication date |
---|---|
JP2004535640A (ja) | 2004-11-25 |
KR20040024867A (ko) | 2004-03-22 |
US20040049451A1 (en) | 2004-03-11 |
US7239226B2 (en) | 2007-07-03 |
MXPA04000253A (es) | 2004-05-04 |
KR100699954B1 (ko) | 2007-03-27 |
CN100370838C (zh) | 2008-02-20 |
CN1539246A (zh) | 2004-10-20 |
EP1413150A4 (en) | 2004-12-29 |
NZ530497A (en) | 2005-11-25 |
JP2007066316A (ja) | 2007-03-15 |
US8872619B2 (en) | 2014-10-28 |
EP1413150A2 (en) | 2004-04-28 |
BR0210962A (pt) | 2004-06-08 |
US20150073997A1 (en) | 2015-03-12 |
WO2003007623A2 (en) | 2003-01-23 |
AU2002318293B2 (en) | 2007-12-06 |
US20070265964A1 (en) | 2007-11-15 |
US9886692B2 (en) | 2018-02-06 |
US20180144344A1 (en) | 2018-05-24 |
CA2452351A1 (en) | 2003-01-23 |
CN101187989A (zh) | 2008-05-28 |
WO2003007623B1 (en) | 2003-07-31 |
WO2003007623A3 (en) | 2003-04-10 |
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