JP5490411B2 - 非接触トランザクションの相互作用時間を短縮するための装置、システム及び方法 - Google Patents
非接触トランザクションの相互作用時間を短縮するための装置、システム及び方法 Download PDFInfo
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Description
本出願は、2005年9月28日に出願された米国仮特許出願第60/721,454号及び2006年7月19日に出願された米国仮特許出願第60/807,775号に対する優先権を主張する。
(連邦政府による資金提供を受けた研究開発の記載)
適用せず。
(共同研究契約の当事者)
適用せず。
(CDで提出された資料の援用)
適用せず。
(技術分野)
本出願は、全般的及び種々の実施形態において、非接触トランザクションの相互作用時間を短縮するための装置、システム及び方法に関する発明を開示する。
12 非接触インターフェース
14 トランザクションモジュール
16 セキュリティモジュール
Claims (17)
- 非接触インターフェースと、
前記非接触インターフェースに結合されたトランザクションモジュールと、
を備えたリーダーであって、
前記トランザクションモジュールが、
アプリケーション・トランザクション・カウンタ、端末予測不能数、トランザクション額、トランザクション通貨コード、及びカード予測不能数を利用してカードにより生成された動的署名、並びにアプリケーション・ファイル・ロケータを、前記非接触インターフェースを介してカードから受信し、
前記カードと前記リーダーとの間の相互作用時間を2分の1秒未満で非接触トランザクションを処理するために、前記カードからの動的署名及びアプリケーション・ファイル・ロケータを受信した後に、前記カード上のアプリケーション・ファイル・ロケータに関連するレコードの要求を、前記非接触インターフェースを介してカードへ送信し、
前記カード上のアプリケーション・ファイル・ロケータに関連するレコードを前記カードから受信するように構成され配置されていることを特徴とするリーダー。 - 前記トランザクションモジュールが、動的データ認証を実施するよう構成され配置されていることを特徴とする請求項1に記載のリーダー。
- 前記リーダーが更に、前記トランザクションモジュールに結合され、前記非接触トランザクションに対する中間者攻撃を阻止するように構成され配置されたセキュリティモジュールを備えることを特徴とする請求項1に記載のリーダー。
- セキュリティモジュールと、
トランザクションモジュールと、を備えたカードであって、
前記カードは、アプリケーション・トランザクション・カウンタ、端末予測不能数、トランザクション額、トランザクション通貨コード、及びカード予測不能数を利用して動的署名を生成し、
前記トランザクションモジュールは、無線通信用に構成され配置されており、
前記カードが、チップモードと磁気ストライプデータモードとで動作し、
リーダーと相互作用するために、
前記動的署名及びアプリケーション・ファイル・ロケータをリーダーに送信し、
前記トランザクションモジュールが、前記リーダーと協働して、前記カードと前記リーダーとの間の相互作用時間を2分の1秒未満で非接触トランザクションを処理するために、前記カードからの動的署名及びアプリケーション・ファイル・ロケータを受信した後に、前記カード上のアプリケーション・ファイル・ロケータに関連するレコードの要求を、前記リーダーから受信し、
前記カード上のアプリケーション・ファイル・ロケータに関連するレコードを前記リーダーに送信するよう構成され配置されていることを特徴とするカード。 - 前記カードの前記セキュリティモジュールは、前記リーダーと協働して非接触トランザクションに対する中間者攻撃を阻止するよう構成され配置されていることを特徴とする請求項4に記載のカード。
- 非接触インターフェースと、該非接触インターフェースに結合されたトランザクションモジュールとを含むリーダーを備えたシステムであって、前記トランザクションモジュールは、アプリケーション・トランザクション・カウンタ、端末予測不能数、トランザクション額、トランザクション通貨コード、及びカード予測不能数を利用してカードにより生成された動的署名、並びにアプリケーション・ファイル・ロケータを、前記非接触インターフェースを介してカードから受信した後に、前記カード上のアプリケーション・ファイル・ロケータに関連するレコードの要求を、前記非接触インターフェースを介して前記カードに送信し、
前記カード上のアプリケーション・ファイル・ロケータに関連するレコードを前記カードから受信し、
前記システムは、更に、
前記動的署名を生成し、且つ、前記リーダーの前記非接触インターフェースを介して前記リーダーと通信するように構成され配置されたカードとを備え、
前記リーダーの前記トランザクションモジュールが、前記カードと前記リーダーとの間の相互作用時間を2分の1秒未満で前記非接触トランザクションを処理するように更に構成され配置されていることを特徴とするシステム。 - 前記リーダーが更に、前記トランザクションモジュールに結合されたセキュリティモジュールを含み、前記セキュリティモジュールが、前記リーダーと協働して前記非接触トランザクションに対する中間者攻撃を阻止するよう構成され配置されていることを特徴とする請求項6に記載のシステム。
- 前記リーダーに結合されたネットワークを更に備えることを特徴とする請求項6に記載のシステム。
- 前記ネットワークが発行者に更に結合されていることを特徴とする請求項8に記載のシステム。
- リーダー及びカードを含むシステムで実行される非接触トランザクションの相互作用時間を短縮するための方法であって、
前記リーダーは、
非接触インターフェースに通電する前に、少なくとも1つのトランザクションベースのリスク管理プロセスを実施し、
前記非接触トランザクションで利用されるカードとの前記非接触インターフェースを介した通信を開始し、
アプリケーション・トランザクション・カウンタ、端末予測不能数、トランザクション額、トランザクション通貨コード、及びカード予測不能数を利用してカードにより生成された動的署名、並びにアプリケーション・ファイル・ロケータを、前記非接触インターフェースを介して前記カードから受信し、
前記動的署名及びアプリケーション・ファイル・ロケータを受信した後に、前記カード上のアプリケーション・ファイル・ロケータに関連するレコードの要求を、前記非接触インターフェースを介して前記カードへ送信し、
前記カード予測不能数、及び前記カード上のアプリケーション・ファイル・ロケータに関連するレコードを前記カードから受信し、
前記カード予測不能数を用いて前記動的署名を再計算し、
前記非接触トランザクションを許可する前に前記カードとの通信を終了することを実行し、
前記カードと前記リーダーとの間の相互作用時間を2分の1秒未満で非接触トランザクションを完了させることを特徴とする方法。 - 前記リーダーにより実行されるトランザクションベースのリスク管理プロセスは、トランザクション額を予め設定された値と比較することを含む、請求項10に記載の方法。
- 前記リーダーは、オフライン許可を実施する前に前記カードとの通信を終了することを特徴とする請求項10に記載の方法。
- 前記リーダーは、
第2の非接触トランザクションを求める要求を受信し、
前記カードとの通信を再確立し、
前記カードと前記リーダーとの間の相互作用時間を2分の1秒未満で前記第2の非接触トランザクションを完了させる、
ことを実行する請求項10に記載の方法。 - 前記リーダーは、前記要求として、非金融トランザクションの要求を受信することを特徴とする請求項13に記載の方法。
- 前記リーダーは、前記第2の非接触トランザクションを完了させるために、少なくとも1つのカードリスクパラメータを変更するためのメッセージを送信する請求項13に記載の方法。
- 前記リーダーは、前記第2の非接触トランザクションを完了させるために、少なくとも1つのカードカウンタを変更するメッセージを送信する請求項13に記載の方法。
- 前記リーダーは、前記第2の非接触トランザクションを完了させるために、少なくとも1つのカードステータスを変更するメッセージを送信する請求項13に記載の方法。
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US9613354B2 (en) | 2005-09-28 | 2017-04-04 | Visa International Service Association | Device, system and method for reducing an interaction time for a contactless transaction |
US10043177B2 (en) | 2005-09-28 | 2018-08-07 | Visa International Service Association | Device, system and method for reducing an interaction time for a contactless transaction |
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CN106447310A (zh) | 2017-02-22 |
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RU2008116103A (ru) | 2009-10-27 |
EP2711889A2 (en) | 2014-03-26 |
CA2624191A1 (en) | 2007-04-05 |
US8770476B2 (en) | 2014-07-08 |
US20070118483A1 (en) | 2007-05-24 |
JP2013157013A (ja) | 2013-08-15 |
US9613354B2 (en) | 2017-04-04 |
US20170161723A1 (en) | 2017-06-08 |
US20100270374A1 (en) | 2010-10-28 |
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