JP7237367B2 - ペイメントカードにバイオメトリック識別子を登録する方法及びペイメントカード - Google Patents
ペイメントカードにバイオメトリック識別子を登録する方法及びペイメントカード Download PDFInfo
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- JP7237367B2 JP7237367B2 JP2019570013A JP2019570013A JP7237367B2 JP 7237367 B2 JP7237367 B2 JP 7237367B2 JP 2019570013 A JP2019570013 A JP 2019570013A JP 2019570013 A JP2019570013 A JP 2019570013A JP 7237367 B2 JP7237367 B2 JP 7237367B2
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- 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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
- G06Q20/30—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
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
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- 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
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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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
- G06K19/0716—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 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
- G06K19/0718—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 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor the sensor being of the biometric kind, e.g. fingerprint sensors
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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
- G06Q20/30—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
-
- 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
- G06Q20/355—Personalisation of cards for use
-
- 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
-
- 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
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
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- Microelectronics & Electronic Packaging (AREA)
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- Automation & Control Theory (AREA)
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- Human Computer Interaction (AREA)
- Collating Specific Patterns (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
Claims (15)
- オンボードのバイオメトリックセンサを有するペイメントカードによって実行されることで、前記ペイメントカードにバイオメトリック識別子を登録する方法であって、
バイオメトリック認証を使用せずに前記ペイメントカードを使用して複数のトランザクションを承認することであって、前記承認では、前記承認ごとに、バイオメトリックデータを生成するために、前記バイオメトリックセンサが、前記ペイメントカードの所有者によるバイオメトリック識別子の提示を受け付け、バイオメトリック認証を使用せずに承認される前記複数のトランザクションのそれぞれが、前記ペイメントカードを非バイオメトリック認証と組み合わせて使用して当該トランザクションを承認することを含むことと、
前記承認のそれぞれからの前記バイオメトリックデータを使用してバイオメトリックテンプレートを生成することとを含む方法。 - 前記バイオメトリックテンプレートを生成後、前記ペイメントカードをバイオメトリック認証と組み合わせて使用して1つ以上のトランザクションを承認することをさらに含む
請求項1に記載の方法。 - 前記バイオメトリック認証が前記ペイメントカード上で実行される
請求項2に記載の方法。 - 前記非バイオメトリック認証が前記ペイメントカードの所有者によって供給されるパスワードの認証を含む
請求項1~3のいずれか一項に記載の方法。 - 生成されたバイオメトリックデータが、承認が成功するたびに前記ペイメントカードのメモリに保存される
請求項1~4のいずれか一項に記載の方法。 - 非バイオメトリック認証が失敗した場合に生成されたバイオメトリックデータは、前記バイオメトリックテンプレートの生成に使用されない、又は、バイオメトリックデータは、非バイオメトリック認証が失敗した場合には、生成されない及び/若しくは前記ペイメントカードに保存されない
請求項5に記載の方法。 - 前記バイオメトリックテンプレートは、1つ以上の所定の基準が満たされた後にのみ、生成される及び/又はバイオメトリック認証に使用される
請求項1~6のいずれか一項に記載の方法。 - 前記所定の基準は、所定の最小数のバイオメトリックデータサンプルの生成を含む
請求項7に記載の方法。 - 前記所定の基準は、前記バイオメトリック識別子の少なくとも所定の領域をカバーするバイオメトリックテンプレートを生成するのに十分なバイオメトリックデータの捕捉を含む
請求項7又は8に記載の方法。 - 前記バイオメトリック識別子は指紋である
請求項1~9のいずれか一項に記載の方法。 - ペイメントカードの所有者の本人同一性の認証後にトランザクションを承認するペイメントカードであって、
オンボードのバイオメトリックセンサを備え、
前記ペイメントカードは、バイオメトリック認証を使用せずに複数のトランザクションを承認する際に前記バイオメトリックセンサによって収集されたバイオメトリックデータを記録するように構成され、
前記ペイメントカードは、バイオメトリック認証を使用せずに承認される前記複数のトランザクションのそれぞれが、前記ペイメントカードを非バイオメトリック認証と組み合わせて使用して当該トランザクションを承認することを含むように、構成され、
前記ペイメントカードは、バイオメトリック認証を使用せずに複数のトランザクションを承認する際に収集された前記バイオメトリックデータを使用して、バイオメトリックテンプレートを生成するように構成されるペイメントカード。 - バイオメトリック認証を使用せずにアクションを承認する前に、前記バイオメトリックセンサへのバイオメトリック識別子の提示を前記所有者に要求するように構成される
請求項11に記載のペイメントカード。 - 前記バイオメトリックテンプレートの生成後に、バイオメトリック認証を実行して1つ以上のトランザクションを承認するように構成される
請求項11又は12に記載のペイメントカード。 - メモリを備え、
前記ペイメントカードは、少なくとも前記バイオメトリックテンプレートが完成するまで、前記メモリに、前記バイオメトリックデータ及び/又は前記バイオメトリックテンプレートを保存するように構成される
請求項11、12又は13に記載のペイメントカード。 - 前記バイオメトリック識別子は指紋である
請求項12に記載のペイメントカード。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB1709748.6A GB2563599A (en) | 2017-06-19 | 2017-06-19 | Incremental enrolment algorithm |
GB1709748.6 | 2017-06-19 | ||
PCT/EP2018/066075 WO2018234221A1 (en) | 2017-06-19 | 2018-06-18 | PROGRESSIVE REGISTRATION ALGORITHM |
Publications (2)
Publication Number | Publication Date |
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JP2020524341A JP2020524341A (ja) | 2020-08-13 |
JP7237367B2 true JP7237367B2 (ja) | 2023-03-13 |
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Application Number | Title | Priority Date | Filing Date |
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JP2019570013A Active JP7237367B2 (ja) | 2017-06-19 | 2018-06-18 | ペイメントカードにバイオメトリック識別子を登録する方法及びペイメントカード |
Country Status (8)
Country | Link |
---|---|
US (1) | US20210042759A1 (ja) |
EP (1) | EP3642778A1 (ja) |
JP (1) | JP7237367B2 (ja) |
KR (1) | KR20200019873A (ja) |
CN (1) | CN110770775A (ja) |
GB (1) | GB2563599A (ja) |
TW (1) | TWI828623B (ja) |
WO (1) | WO2018234221A1 (ja) |
Families Citing this family (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2575087A (en) * | 2018-06-28 | 2020-01-01 | Zwipe As | Biometric Enrolment |
FR3084182B1 (fr) | 2018-07-18 | 2022-09-16 | Idemia France | Procede d'enregistrement d'une donnee biometrique de reference dans une carte a puce biometrique |
EP3699790B1 (en) * | 2019-02-19 | 2022-11-02 | Nxp B.V. | Method for enabling a biometric template |
US20210035109A1 (en) * | 2019-07-31 | 2021-02-04 | Mastercard International Incorporated | Methods and systems for enrollment and use of biometric payment card |
KR20210023331A (ko) | 2019-08-23 | 2021-03-04 | 주식회사 시솔지주 | 지문 인식 카드 |
WO2021086258A1 (en) * | 2019-11-01 | 2021-05-06 | Fingerprint Cards Ab | A method for amending a fingerprint template of a smart card |
EP3876176A1 (en) * | 2020-03-06 | 2021-09-08 | Thales Dis France Sa | Method for authorizing a person to perform a transaction involving a smart card |
CN114787801A (zh) * | 2020-10-29 | 2022-07-22 | 指纹卡安娜卡敦知识产权有限公司 | 用于启用智能卡的指纹认证的方法 |
FR3116411A1 (fr) | 2020-11-16 | 2022-05-20 | Stmicroelectronics (Rousset) Sas | Carte à microcircuit |
EP4341854A1 (en) * | 2021-05-17 | 2024-03-27 | Fingerprint Cards Anacatum IP AB | Enrollment assistance device having a cell comprising an electrolyte carrier, biometric system and enrollment method using said enrollment assistance device |
GB2613339A (en) * | 2021-11-25 | 2023-06-07 | Zwipe As | Assembly and methods for mobile enrolment of biometrically-authorisable smartcards |
EP4266276A1 (en) * | 2022-04-20 | 2023-10-25 | Mastercard International Incorporated | Enrolment process for a biometric card and methods of use of a biometric card |
Citations (3)
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JP2009169809A (ja) | 2008-01-18 | 2009-07-30 | Hitachi Ltd | 生体情報登録システム、ならびにicカード、処理端末、およびセンタシステム |
WO2014068090A1 (en) | 2012-11-02 | 2014-05-08 | Zwipe As | Fingerprint enrolment algorithm |
WO2016055661A1 (en) | 2014-10-10 | 2016-04-14 | Zwipe As | Biometric enrolment authorisation |
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US6325285B1 (en) * | 1999-11-12 | 2001-12-04 | At&T Corp. | Smart card with integrated fingerprint reader |
JP5110983B2 (ja) * | 2007-06-29 | 2012-12-26 | 日立オムロンターミナルソリューションズ株式会社 | 生体認証処理システム |
AU2016203898B2 (en) * | 2007-09-24 | 2018-03-08 | Apple Inc. | Embedded authentication systems in an electronic device |
TW201019628A (en) * | 2008-08-15 | 2010-05-16 | Ivi Smart Technologies Inc | RF power conversion circuits & methods, both for use in mobile devices |
FI20155242L (fi) * | 2012-09-04 | 2015-04-02 | Net1 Ueps Technologies Inc | Maksutapahtumat vaihtelevalla PIN:llä |
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GB2531095B (en) * | 2014-10-10 | 2021-06-23 | Zwipe As | Biometric enrolment authorisation |
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WO2016160816A1 (en) * | 2015-03-30 | 2016-10-06 | Hendrick Chaya Coleena | Smart data cards that enable the performance of various functions upon activation/authentication by a user's fingerprint, oncard pin number entry, and/or by facial recognition of the user, or by facial recognition of a user alone, including an automated changing security number that is displayed on a screen on a card's surface following an authenticated biometric match |
US20160364703A1 (en) * | 2015-06-09 | 2016-12-15 | Mastercard International Incorporated | Systems and Methods for Verifying Users, in Connection With Transactions Using Payment Devices |
CN105335713A (zh) * | 2015-10-28 | 2016-02-17 | 小米科技有限责任公司 | 指纹识别方法及装置 |
-
2017
- 2017-06-19 GB GB1709748.6A patent/GB2563599A/en not_active Withdrawn
-
2018
- 2018-05-31 TW TW107118695A patent/TWI828623B/zh active
- 2018-06-18 JP JP2019570013A patent/JP7237367B2/ja active Active
- 2018-06-18 EP EP18731838.1A patent/EP3642778A1/en not_active Withdrawn
- 2018-06-18 CN CN201880040502.3A patent/CN110770775A/zh active Pending
- 2018-06-18 WO PCT/EP2018/066075 patent/WO2018234221A1/en unknown
- 2018-06-18 US US16/618,948 patent/US20210042759A1/en not_active Abandoned
- 2018-06-18 KR KR1020197036482A patent/KR20200019873A/ko not_active Application Discontinuation
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
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JP2009169809A (ja) | 2008-01-18 | 2009-07-30 | Hitachi Ltd | 生体情報登録システム、ならびにicカード、処理端末、およびセンタシステム |
WO2014068090A1 (en) | 2012-11-02 | 2014-05-08 | Zwipe As | Fingerprint enrolment algorithm |
WO2016055661A1 (en) | 2014-10-10 | 2016-04-14 | Zwipe As | Biometric enrolment authorisation |
Also Published As
Publication number | Publication date |
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CN110770775A (zh) | 2020-02-07 |
TW201905766A (zh) | 2019-02-01 |
TWI828623B (zh) | 2024-01-11 |
GB2563599A (en) | 2018-12-26 |
US20210042759A1 (en) | 2021-02-11 |
GB201709748D0 (en) | 2017-08-02 |
KR20200019873A (ko) | 2020-02-25 |
WO2018234221A1 (en) | 2018-12-27 |
EP3642778A1 (en) | 2020-04-29 |
JP2020524341A (ja) | 2020-08-13 |
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