JP2001504612A - 取引きシステム - Google Patents
取引きシステムInfo
- Publication number
- JP2001504612A JP2001504612A JP52332298A JP52332298A JP2001504612A JP 2001504612 A JP2001504612 A JP 2001504612A JP 52332298 A JP52332298 A JP 52332298A JP 52332298 A JP52332298 A JP 52332298A JP 2001504612 A JP2001504612 A JP 2001504612A
- Authority
- JP
- Japan
- Prior art keywords
- token
- payment
- merchant
- sequence
- authentication
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
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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
- G06Q20/38—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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/403—Solvency checks
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims (1)
- 【特許請求の範囲】 1.ディジタル支払い取引きシステムを動作する方法であり: a)支払いサーバに乱数のシーケンスを記憶することと; b)前記記憶した乱数のシーケンスから導き出したディジタルコード化した 乱数シーケンスを含む1組のディジタルの支払いトークンをユーザに送ることと ; c)ユーザからマーチャントプラットフォームへ支払いトークンを転送する ことと; d)段階(c)でユーザから受取った支払いトークンをマーチャントプラッ トフォームから支払いサーバへ転送することと; e)支払いサーバにおいて、マーチャントプラットフォームから乱数のトー クン値と記憶した乱数のシーケンス内の対応する位置から導き出した値とを比較 することによってトークンを認証することと; f)後に、支払いサーバからマーチャントプラットフォームへ認証メッセー ジを通信することとを含む方法。 2.支払いサーバは、マーチャントのプラットフォームから隔っており、支払い プラットフォームは遠隔通信ネットワークにおいて支払いサーバと通信する請求 項1記載の方法。 3.前記シーケンスの一部を選択して、前記シーケンスの一部をユーザに特定の キーでコード化することによって、支払いサーバに記憶した乱数のシーケンスか らディジタル支払いトークンの組を導き出す請求項1または2記載の方法。 4.前記シーケンスの一部が対称ブロック暗号によってコード化される請求項3 記載の方法。 5.ユーザはマーチャントのプラットフォームから隔たっており、段階(c)で 支払いトークンを通信ネットワークを介してマーチャントのプラットフォームへ 転送する請求項1乃至4の何れか1項記載の方法。 6.ディジタル支払いトークンを認証する段階が: i)支払いサーバに記憶した乱数のシーケンス内の位置の値に対してディジ タル支払いトークンの認証を試みることと; ii)トークンが段階i)で認証されないとき、前記位置から所定の最大距離 に含まれる記憶したシーケンスの1または複数の他の値に対してディジタル支払 いトークンの認証を試みることとを含み; 段階(f)において、認証メッセージはトークンが段階(i)および段階( ii)で首尾よく認証するときに認証が成功であることを示す請求項1乃至5の何 れか1項記載の方法。 7.段階(d)において、マーチャントが支払いトークンと一緒に、支払いサー バから発行された認証トークンのシーケンスから認証トークンを伝える請求項1 乃至6の何れか1項記載の方法。 8.支払いサーバが、確認した支払いトークンおよびマーチャントプラットフォ ームから受取った認証トークンを認証した後にマーチャント口座記録を自動的に 更新する請求項7記載の方法。 9.f)支払いサーバにおいてディジタル支払いトークンの組の現在の状態の記 録を維持することと; g)ユーザに対して送られたディジタル支払いトークンが失われるかまたは 損われているとき、支払いサーバからユーザへデータを送り、それによってディ ジタル支払いトークンの組を支払いサーバに記録した状態に対応する状態に更新 することとを含む請求項1乃至8の何れか1項記載の方法。 10.ユーザに識別番号(PIN)を送ること; 識別番号を使用して、乱数の前記記憶したシーケンスから導き出した数字を 変更することと; 識別番号を使用して、段階(c)でマーチャントに転送されたディジタル支 払いトークンをさらに変更することとを含む請求項1乃至9の何れか1項記載の 方法。 11.ディジタル支払いトークンを変更し、さらに変更する段階において、乱数 の記憶したシーケンスから導き出したディジタルにコード化した値を、ブール論 理演算を使用して識別番号と組合わせる請求項10記載の方法。 12.前記ブール論理演算がXORであり、同じ識別番号を変更し、さらに変更 する段階で使用するとき、ディジタルにコード化した値をさらに変更する段階が 、乱数の前記記憶したシーケンスから導き出される元の値を再生する請求項11 記載の方法。 13.ディジタル支払い取引きシステムを動作する方法であり: a)ディジタルにコード化した乱数のシーケンスを含む1組のディジタル支 払いトークンをユーザに送ることと; b)ディジタルにコード化した乱数のシーケンスを含む1組の認証トークン をマーチャントに送ることと; c)ディジタル支払いトークンをユーザからマーチャントへ転送することと ; d)前記ディジタル支払いトークンを転送し、ディジタル支払いトークンと 共に認証トークンをマーチャントから支払いサーバへ転送することと; e)ディジタル支払いトークンおよび認証トークンを支払サーバに記憶した 記録に対して認証することと; f)認証メッセージをマーチャントへ戻すこととを含む方法。 14.ディジタル支払いトークンを認証する段階が: i)支払いサーバに記憶した乱数のシーケンス内のある位置において値に対 するディジタル支払いトークンを認証しようとすることと; ii)トークンが段階i)で認証されないときは、記憶したシーケンス内の 1または複数の値に対してディジタル支払いトークンを認証しようとし、他の値 は前記位置から所定の最大距離の間に含まれることとを含み; 段階(f)で、段階(i)または段階(ii)の何れかでトークンを首尾よ く認証したときに認証が成功したことを認証メッセージが示す請求項13記載の 方法。 15.認証トークンが認証メッセージで支払いサーバによって戻される請求項1 乃至14の何れか1項記載の方法。 16.前記認証トークンが、マーチャントへ予め送られる複数の認証トークンの 1つに対応する請求項15記載の方法。 17.マーチャントプラットフォームが: ディジタルにコード化された乱数を含むディジタル支払いトークンをユーザ から受取る手段と; ディジタル支払いトークンが支払いサーバへ転送する手段と; 前記ディジタル支払いトークンが認証に成功したときに、支払いサーバによ って送られる認証信号に応答する手段とを含む請求項1乃至16の何れか1項記 載のマーチャントプラットフォーム。 18.支払いサーバによって送られる認証トークンのシーケンスでプログラムさ れたメモリをさらに含み、使用の際に認証トークンが各ディジタル支払いトーク ンで支払いサーバへ戻される請求項17記載のマーチャントプラットフォーム。 19.支払いサーバが: a)乱数のシーケンスでプログラムされたデータメモリと; b)データメモリ内のシーケンスから導き出されたディジタルにコード化さ れた乱数のシーケンスを含むディジタル支払いトークンを送る手段と; マーチャントプラットフォームによって戻されたディジタル支払いトークン を認証する手段と; マーチャントプラットフォームへ認証メッセージを出力する手段とを含む請 求項1乃至16の何れか1項記載の方法において使用する支払いサーバ。 20.クライアントプラットフォームが: クライアントプラットフォームから隔たっている支払いサーバから、ディジ タルにコード化した乱数のシーケンスを含むディジタル支払いトークンを受取る 手段と; 前記ディジタル支払いトークンを記憶するトークンメモリと: シーケンスからマーチャントプラットフォームへトークンを送る支払い手段 とを含む請求項1乃至16の何れか1項記載のクライアントプラットフォーム。 21.請求項17または18記載の1または複数のマーチャントプラットフォー ム、請求項19記載の支払いサーバ、および請求項20記載のプラットフォーム を含む通信ネットワーク。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
GB9624127.8 | 1996-11-20 | ||
GBGB9624127.8A GB9624127D0 (en) | 1996-11-20 | 1996-11-20 | Transaction system |
PCT/GB1997/003116 WO1998022915A1 (en) | 1996-11-20 | 1997-11-12 | Transaction system |
Publications (1)
Publication Number | Publication Date |
---|---|
JP2001504612A true JP2001504612A (ja) | 2001-04-03 |
Family
ID=10803228
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP52332298A Withdrawn JP2001504612A (ja) | 1996-11-20 | 1997-11-12 | 取引きシステム |
Country Status (7)
Country | Link |
---|---|
US (1) | US6236981B1 (ja) |
EP (1) | EP0941524B1 (ja) |
JP (1) | JP2001504612A (ja) |
AU (1) | AU4957197A (ja) |
DE (1) | DE69721038T2 (ja) |
GB (1) | GB9624127D0 (ja) |
WO (1) | WO1998022915A1 (ja) |
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- 1997-11-12 DE DE69721038T patent/DE69721038T2/de not_active Expired - Lifetime
- 1997-11-12 JP JP52332298A patent/JP2001504612A/ja not_active Withdrawn
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WO1998022915A1 (en) | 1998-05-28 |
US6236981B1 (en) | 2001-05-22 |
EP0941524A1 (en) | 1999-09-15 |
DE69721038D1 (de) | 2003-05-22 |
EP0941524B1 (en) | 2003-04-16 |
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