JP7407254B2 - 位置照合を使用する認証システムおよび方法 - Google Patents
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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
- G06Q20/38—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
- G06Q20/4015—Transaction verification using location information
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G01—MEASURING; TESTING
- G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
- G01S19/00—Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
- G01S19/01—Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
- G01S19/13—Receivers
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
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- H—ELECTRICITY
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority
- H04L9/3213—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority using tickets or tokens, e.g. Kerberos
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- G—PHYSICS
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- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C2209/00—Indexing scheme relating to groups G07C9/00 - G07C9/38
- G07C2209/60—Indexing scheme relating to groups G07C9/00174 - G07C9/00944
- G07C2209/63—Comprising locating means for detecting the position of the data carrier, i.e. within the vehicle or within a certain distance from the vehicle
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- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Mobile Radio Communication Systems (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Description
本出願は、2016年2月12日出願の「AUTHENTICATION SYSTEMS AND METHODS USING MERCHANT AND CONSUMER LOCATIONS」と題する米国仮特許出願第62/294,471号の利益を主張し、全体を参照することによって本明細書に援用される。
Claims (20)
- ユーザと資源プロバイダとの間で取引を行う方法であって、前記方法が、
前記資源プロバイダに関連付けられた資源プロバイダシステムのアクセスデバイスによって、前記ユーザの通信デバイスに、前記取引のための取引データを含むコードを提供することであって、前記取引データをアプリケーションプロバイダコンピュータに提供し、前記アプリケーションプロバイダコンピュータが前記取引データおよび取引識別子をトークンサーバに提供する、提供すること、
前記アクセスデバイスによって、前記資源プロバイダシステム内の資源プロバイダコンピュータに、前記取引データおよび前記取引識別子を送信すること、
前記資源プロバイダコンピュータによって、前記トークンサーバから、前記取引識別子を使用してトークンを取得すること、
前記資源プロバイダコンピュータによって、前記取引データおよび前記トークンを含む承認要求メッセージを構築すること、および
前記資源プロバイダコンピュータによって、前記取引データおよび前記トークンを含む前記承認要求メッセージを、前記トークンに関連付けられた機密情報を前記トークンサーバから取得し、前記取引の承認を取得する、取引処理コンピュータに送信することを含む、方法。 - 前記資源プロバイダコンピュータによって、前記取引処理コンピュータから前記取引に対する承認応答メッセージを受信することをさらに含む、請求項1に記載の方法。
- 前記アプリケーションプロバイダコンピュータが、前記通信デバイスで動作するデジタルウォレットアプリケーションをホストする、請求項1に記載の方法。
- 前記アクセスデバイスがPOS端末である、請求項1に記載の方法。
- 前記コードがQRコード(登録商標)である、請求項1に記載の方法。
- 前記取引の承認を取得することが、前記トークンに関連付けられた前記機密情報を含む前記承認要求メッセージを、承認のために認証事業体コンピュータに送信することを含む、請求項1に記載の方法。
- 前記機密情報がPANを含む、請求項6に記載の方法。
- 前記ユーザの前記通信デバイスがまた、前記アクセスデバイスの位置またはアドレスを前記アプリケーションプロバイダコンピュータに提供する、請求項1に記載の方法。
- 前記通信デバイスが携帯電話である、請求項1に記載の方法。
- 資源プロバイダシステムであって、
第一のプロセッサ、および第一の非一時的コンピュータ可読媒体を備えるアクセスデバイスであって、前記第一の非一時的コンピュータ可読媒体が、前記第一のプロセッサによって実行可能であり、前記アクセスデバイスに以下の動作:
ユーザの通信デバイスに、取引のための取引データを含むコードを提供することであって、前記取引データおよび取引識別子をトークンサーバに提供する、アプリケーションプロバイダコンピュータに前記取引データを提供する、提供すること、および
前記資源プロバイダシステム内の資源プロバイダコンピュータに、前記取引データおよび前記取引識別子を送信することを実施させる、アクセスデバイス、ならびに
前記資源プロバイダコンピュータが、第二のプロセッサ、および第二の非一時的コンピュータ可読媒体を備える資源プロバイダコンピュータであって、前記第二の非一時的コンピュータ可読媒体が、前記第二のプロセッサによって実行可能なコードを含み、前記資源プロバイダコンピュータに以下の動作:
前記資源プロバイダコンピュータによって、前記トークンサーバから、前記取引識別子を使用してトークンを取得すること、
前記資源プロバイダコンピュータによって、前記取引データおよび前記トークンを含む承認要求メッセージを構築すること、および
前記資源プロバイダコンピュータによって、前記取引データおよび前記トークンを含む前記承認要求メッセージを、前記トークンに関連付けられた機密情報を前記トークンサーバから取得し、前記取引の承認を取得する、取引処理コンピュータに送信することを実施させる、資源プロバイダコンピュータ、を備える、資源プロバイダシステム。 - 前記アクセスデバイスがPOS端末である、請求項10に記載の資源プロバイダシステム。
- 前記機密情報がPANを含む、請求項10に記載の資源プロバイダシステム。
- 前記トークンが前記機密情報と同じフォーマットである、請求項10に記載の資源プロバイダシステム。
- 前記コードがQRコード(登録商標)である、請求項10に記載の資源プロバイダシステム。
- 前記アクセスデバイスの位置が、前記QRコード(登録商標)に埋め込まれている、請求項14に記載の資源プロバイダシステム。
- 方法であって、
トークンサーバによって、アプリケーションプロバイダコンピュータから、取引識別子を含むメッセージを受信すること、
前記トークンサーバによって、資源プロバイダコンピュータからトークンの要求を受信することであって、前記取引識別子を含む前記トークンの要求を受信すること、
前記トークンサーバによって、前記取引識別子に基づいて前記トークンを決定すること、および
前記トークンサーバによって、前記トークンを前記資源プロバイダコンピュータに提供することであって、前記資源プロバイダコンピュータが、前記トークンおよび取引データを含む承認要求メッセージを、取引処理コンピュータへの送信のために構築する、提供することを含む、方法。 - 前記取引データが取引金額を含む、請求項16に記載の方法。
- 前記メッセージが、通信デバイスに関連付けられた機密データを含む、請求項16に記載の方法。
- 前記トークンが16桁の長さである、請求項18に記載の方法。
- 前記取引処理コンピュータから前記トークンサーバによって、前記トークンに関連付けられた機密情報を取得するための前記トークンを含む要求を受信すること、および
前記トークンサーバによって、前記取引処理コンピュータに前記機密情報を提供することをさらに含む、請求項18に記載の方法。
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
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US201662294471P | 2016-02-12 | 2016-02-12 | |
US62/294,471 | 2016-02-12 | ||
JP2018541140A JP7189769B2 (ja) | 2016-02-12 | 2017-02-13 | 位置照合を使用する認証システムおよび方法 |
PCT/US2017/017682 WO2017139772A1 (en) | 2016-02-12 | 2017-02-13 | Authentication systems and methods using location matching |
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JP2018541140A Division JP7189769B2 (ja) | 2016-02-12 | 2017-02-13 | 位置照合を使用する認証システムおよび方法 |
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JP2022177233A JP2022177233A (ja) | 2022-11-30 |
JP7407254B2 true JP7407254B2 (ja) | 2023-12-28 |
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JP2022152306A Active JP7407254B2 (ja) | 2016-02-12 | 2022-09-26 | 位置照合を使用する認証システムおよび方法 |
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US (2) | US10922672B2 (ja) |
EP (2) | EP3414869B1 (ja) |
JP (2) | JP7189769B2 (ja) |
CN (3) | CN114663098A (ja) |
AU (2) | AU2017218013A1 (ja) |
CA (1) | CA3009364A1 (ja) |
WO (1) | WO2017139772A1 (ja) |
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US10922672B2 (en) | 2021-02-16 |
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JP2022177233A (ja) | 2022-11-30 |
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JP2019507431A (ja) | 2019-03-14 |
CN113839700A (zh) | 2021-12-24 |
CN108702294A (zh) | 2018-10-23 |
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