JP5186359B2 - 電子ファイナンシャルトランザクションカードおよび方法 - Google Patents
電子ファイナンシャルトランザクションカードおよび方法 Download PDFInfo
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- JP5186359B2 JP5186359B2 JP2008504249A JP2008504249A JP5186359B2 JP 5186359 B2 JP5186359 B2 JP 5186359B2 JP 2008504249 A JP2008504249 A JP 2008504249A JP 2008504249 A JP2008504249 A JP 2008504249A JP 5186359 B2 JP5186359 B2 JP 5186359B2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/81—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer by operating on the power supply, e.g. enabling or disabling power-on, sleep or resume operations
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/71—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information
- G06F21/77—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure computing or processing of information in smart cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F7/00—Methods or arrangements for processing data by operating upon the order or content of the data handled
- G06F7/02—Comparing digital values
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
-
- 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
- G06Q20/30—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
-
- 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
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
-
- 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
-
- 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
- G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption
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- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Computer Hardware Design (AREA)
- Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- General Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Microelectronics & Electronic Packaging (AREA)
- General Business, Economics & Management (AREA)
- Software Systems (AREA)
- Computer Networks & Wireless Communication (AREA)
- Mathematical Physics (AREA)
- Finance (AREA)
- Computational Mathematics (AREA)
- Mathematical Analysis (AREA)
- Mathematical Optimization (AREA)
- Pure & Applied Mathematics (AREA)
- Storage Device Security (AREA)
- Credit Cards Or The Like (AREA)
- Power Sources (AREA)
Description
これらと他の目的および有利性は、以下の記載を読み、そしていくつかの描かれた図面を検討することにより、当業者にとって明らかとなるであろう。
Claims (23)
- 信号ポート、電源ポート、および接地ポートを有する外部アクセス可能なカードインターフェースが提供されるカードボディと、カードボディによって運ばれるとともに信号ポート、電源ポート、および接地ポートに接続されるセキュアプロセッサとを備える改良されたスマートカードであって、
カードボディによって運ばれるゼネラルプロセッサであって、電源に接続され、かつ、セキュアプロセッサがスマートカードモードで使用されるときに、電力をセキュアプロセッサに供給しかつセキュアプロセッサとバスを介して通信するよう動作するゼネラルプロセッサと、
スマートカードリーダ装置と通信をするためのカードインターフェースであって、ゼネラルプロセッサとセキュアプロセッサとの何れにもバスにより結合されているカードインターフェースと、
バスを経由してゼネラルプロセッサとセキュアプロセッサとの両方におけるそれぞれ互いの動的通信を許容するバスアトリビュータであって、電力がカードインターフェースからバスを経由して供給されているか、電力がゼネラルプロセッサからバスを経由して供給されているかによってバスの接続を切り替えるスイッチであるバスアトリビュータと、
ゼネラルプロセッサとセキュアプロセッサとの間を付加的に結合する補助コネクタと
を備えることを特徴とする改良されたスマートカード。 - カードボディは、プラスチック材料を含み、外部からアクセス可能なカードインターフェースは、コンタクトパッドを含む請求項1に記載の改良されたスマートカード。
- 外部からアクセス可能なカードインターフェースは、コマンドポートとクロックポートをさらに含む請求項2に記載の改良されたスマートカード。
- 外部からアクセス可能なカードインターフェースは、ISO7816インターフェースである請求項2に記載の改良されたスマートカード。
- セキュアプロセッサは、ISO7816に従うプロセッサである請求項4に記載の改良されたスマートカード。
- ゼネラルプロセッサは、ストライプエミュレータを使用して、ストライプカードをエミュレートする請求項5に記載の改良されたスマートカード。
- ゼネラルプロセッサは、ISO7816に従うカードリーダの通信とは全く同じではない方法でセキュアプロセッサと通信する請求項5に記載の改良されたスマートカード。
- ゼネラルプロセッサは、複数のI/Oポートを備える請求項1に記載の改良されたスマートカード。
- カードボディによって運ばれるとともにゼネラルプロセッサのI/Oポートの少なくとも1つと接続されるディスプレイをさらに含む請求項1に記載の改良されたスマートカード。
- ディスプレイは、視覚的なディスプレイ、触覚的なディスプレイ、聴覚的なディスプレイの少なくとも1つである請求項9に記載の改良されたスマートカード。
- ディスプレイは視覚的なディスプレイであり、フラットパネルディスプレイとライトディスプレイの少なくとも1つを含む請求項9に記載の改良されたスマートカード。
- カードボディによって運ばれるとともに、ゼネラルプロセッサの複数のI/Oポートの少なくとも1つに接続される少なくとも1つのスイッチをさらに含む請求項8に記載の改良されたスマートカード。
- 複数のスイッチはキーパッドとされる請求項12に記載の改良されたスマートカード。
- カードボディによって運ばれるとともに、ゼネラルプロセッサのI/Oポートの少なくとも1つに接続されるストライプエミュレータをさらに含む請求項8に記載の改良されたスマートカード。
- ストライプエミュレータは、電子磁気ブロードキャスタを含む請求項14に記載の改良されたスマートカード。
- ストライプエミュレータは、ゼネラルプロセッサのI/Oポートの少なくとも1つに電子磁気ブロードキャスタを接続する信号プロセッサをさらに含む請求項15に記載の改良されたスマートカード。
- カードボディと、カードボディによって運ばれるセキュアプロセッサとを備えるセキュアトランザクションカードにおいて、
カードボディによって運ばれるストライプエミュレータと、
カードボディによって運ばれるとともにセキュアプロセッサとストライプエミュレータとの間に介入するゼネラルプロセッサと、
スマートカードリーダ装置と通信をするためのカードインターフェースであって、ゼネラルプロセッサとセキュアプロセッサとの何れにもバスにより結合されているカードインターフェースと、
バスを経由してゼネラルプロセッサとセキュアプロセッサとの両方におけるそれぞれ互いの動的通信を許容するバスアトリビュータであって、電力がカードインターフェースからバスを経由して供給されているか、電力がゼネラルプロセッサからバスを経由して供給されているかによってバスの接続を切り替えるスイッチであるバスアトリビュータと、
ゼネラルプロセッサとセキュアプロセッサとの間を付加的に結合する補助コネクタとを備えること
を特徴とするセキュアトランザクションカード。 - ゼネラルプロセッサはそれぞれセキュアプロセッサに電力を与える請求項17に記載のセキュアトランザクションカード。
- セキュアプロセッサは、ISO7816に従うプロセッサである請求項18に記載のセキュアトランザクションカード。
- カードボディによって運ばれるとともにゼネラルプロセッサに接続される視覚的なディスプレイをさらに含む請求項17に記載のセキュアトランザクションカード。
- 視覚的なディスプレイは、少なくとも1つのフラットパネルディスプレイと少なくとも1つのLEDを含む請求項20に記載のセキュアトランザクションカード。
- 信号ポート、電源ポート、接地ポートを有するセキュアプロセッサと、
信号ポートからバスを経由してセキュアプロセッサに通信しようとするときに、電力と接地のすくなくとも1つを電源ポートと接地ポートのそれぞれに適用することにより、セキュアプロセッサの電源を入れるように動作するゼネラルプロセッサと、
スマートカードリーダ装置と通信をするためのカードインターフェースであって、ゼネラルプロセッサとセキュアプロセッサとの何れにもバスにより結合されているカードインターフェースと、
バスを経由してゼネラルプロセッサとセキュアプロセッサとの両方におけるそれぞれ互いの動的通信を許容するバスアトリビュータであって、電力がカードインターフェースからバスを経由して供給されているか、電力がゼネラルプロセッサからバスを経由して供給されているかによってバスの接続を切り替えるスイッチであるバスアトリビュータと、
ゼネラルプロセッサとセキュアプロセッサとの間を付加的に結合する補助コネクタと
を含む随伴的なプロセッサシステム。 - 所望のトランザクションの始動のゼネラルプロセッサを伴う入力を検索すること、
ゼネラルプロセッサの指示によりセキュアプロセッサの電源を入れること、
少なくとも1つのセキュアトランザクションを提供するために、ゼネラルプロセッサとセキュアプロセッサとの間でバスを介して通信すること、
スマートカードリーダ装置と通信をするためのカードインターフェースがゼネラルプロセッサとセキュアプロセッサとの何れにもバスにより結合されていること、
バスアトリビュータによってゼネラルプロセッサとセキュアプロセッサとの両方におけるそれぞれ互いの動的通信を許容し、電力がカードインターフェースからバスを経由して供給されているか、電力がゼネラルプロセッサからバスを経由して供給されているかによってバスの接続を切り替えること、
ゼネラルプロセッサとセキュアプロセッサとの間を付加的に結合する補助コネクタとバスとの2つの通信ラインでゼネラルプロセッサとセキュアプロセッサとの間の同期シリアル通信を構築すること
を含むセキュアトランザクションを提供する方法。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US59430005P | 2005-03-26 | 2005-03-26 | |
US60/594,300 | 2005-03-26 | ||
US67538805P | 2005-04-27 | 2005-04-27 | |
US60/675,388 | 2005-04-27 | ||
PCT/US2006/011289 WO2006105092A2 (en) | 2005-03-26 | 2006-03-27 | Electronic financial transaction cards and methods |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2008535097A JP2008535097A (ja) | 2008-08-28 |
JP5186359B2 true JP5186359B2 (ja) | 2013-04-17 |
Family
ID=37054011
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Application Number | Title | Priority Date | Filing Date |
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JP2008504249A Expired - Fee Related JP5186359B2 (ja) | 2005-03-26 | 2006-03-27 | 電子ファイナンシャルトランザクションカードおよび方法 |
Country Status (5)
Country | Link |
---|---|
US (2) | US20080148394A1 (ja) |
EP (1) | EP1882220A2 (ja) |
JP (1) | JP5186359B2 (ja) |
KR (1) | KR20070119051A (ja) |
WO (1) | WO2006105092A2 (ja) |
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-
2006
- 2006-03-27 EP EP06748807A patent/EP1882220A2/en not_active Withdrawn
- 2006-03-27 US US11/391,719 patent/US20080148394A1/en not_active Abandoned
- 2006-03-27 WO PCT/US2006/011289 patent/WO2006105092A2/en active Application Filing
- 2006-03-27 JP JP2008504249A patent/JP5186359B2/ja not_active Expired - Fee Related
- 2006-03-27 KR KR1020077024788A patent/KR20070119051A/ko not_active Application Discontinuation
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EP1882220A2 (en) | 2008-01-30 |
US20080148394A1 (en) | 2008-06-19 |
WO2006105092A3 (en) | 2009-04-09 |
US20120188732A1 (en) | 2012-07-26 |
JP2008535097A (ja) | 2008-08-28 |
KR20070119051A (ko) | 2007-12-18 |
WO2006105092A2 (en) | 2006-10-05 |
US8540165B2 (en) | 2013-09-24 |
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