JP2009541857A - トラックデータ暗号化 - Google Patents
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Abstract
Description
本特許出願は、2006年6月19日出願の米国特許出願番号60/815,059、及び2006年6月20日出願の米国特許出願番号60/815,430並びに2007年1月9日出願の米国特許出願番号60/884,089に対して優先権を主張する非仮出願であり、これらの特許出願は、全ての目的のために、それら全体で参照により本願明細書に引用したものとする。
通常の購入取引では、消費者は、携帯型民生機器を用いて、小売商人から品物又はサービスを購入することができる。消費者のPANすなわちプライマリ口座番号は、携帯型民生機器のメモリに格納されている。PANは、小売商人により、POS端末で読み取られ、PAN及び他の情報は、購入量などの他の取引情報とともに、携帯型民生機器の発行者に送信される。発行者が受信すると、次に、発行者は、消費者が、購入取引を行う権限を有しているか否かを判定する。
本発明の実施例は、携帯型民生機器のPANを、携帯型民生機器、POS端末あるいは他の位置から、携帯型民生機器の発行者に安全に送達するために用いることができる、方法及びシステム、並びにコンピュータで読取可能な媒体に関するものである。
上述したように、従来の購入取引では、消費者のPANは暗号化されない。全体のPANを暗号化することは、セキュリティを強化するものと考えられるが、全体のPANを暗号化することは、全ての状況の下では、必ずしも現実的とはならないこともある。例えば、PANは、BIN又は銀行識別番号を含んでいる。BINは、取引データを発行者に送達するために用いられるが、暗号化されたBINは、取引データを発行者に送達するルーティング及びスイッチングのためのインフラを構成する計算機では認識することができないかもしれない。全体のPANを暗号化すると、BINが変化してしまい、ルーティング上の問題を引き起こす恐れがある。従って、既設の支払インフラに悪い影響を与えることなく、決算取引を行う既存の方法で、PANを暗号化するために用いられる任意の暗号化処理を行うことが好ましい。
であり、同一のままである。BINと最後の4デジットを同一に保つことにより、小売商人と消費者にとって、取引は実際に一つのように見える。
Claims (28)
- プライマリPANに対するセカンダリPANを提供するステップであって、セカンダリPANは終端部を有し、少なくとも一つの終端部はプライマリPANと同一であり、セカンダリPANの少なくとも中間部はプライマリPANと異なることを特徴とするステップと、
セカンダリPANを提供した後、支払取引に対する承認又は不承認を受信するステップとを含む方法。 - 請求項1記載の方法において、終端部は、BIN番号を含む第一終端部と、4デジットを含む第二終端部とを含むことを特徴とする方法。
- 請求項1記載の方法において、セカンダリPANは、携帯型民生機器のコンピュータで読取可能な媒体に格納され、プライマリPANは、携帯型民生機器を操作する認証された消費者に通常知られるが、セカンダリPANは、認証された消費者には知られないことを特徴とする方法。
- 請求項1記載の方法において、セカンダリPANの中間部は、各購入取引に応じて動的に変化するが、終端部は、各購入取引で同一のままであることを特徴とする方法。
- 請求項1記載の方法において、セカンダリPANは暗号化され、プライマリPANに対する携帯型民生機器の発行者に提供されることを特徴とする方法であって、更に、プライマリPANを発行者に提供するステップを含み、プライマリPANは暗号化されることを特徴とする方法。
- 請求項5記載の方法において、中間部は、全て同一の少なくとも5デジットを含むことを特徴とする方法。
- 請求項1記載の方法において、更に、
セカンダリPANを形成するステップであって、中間部は、全て同一の少なくとも3デジットを含むことを特徴とするステップと、
プライマリPANが通常格納されている位置に、セカンダリPANを格納するステップと、
プライマリPANが通常格納されている領域とは異なる別の場所に、プライマリPANを格納するステップを含むことを特徴とする方法。 - 請求項7記載の方法において、更に、
プライマリPANを暗号化するステップと、
セカンダリPANを暗号化するステップとを含むことを特徴とする方法。 - 請求項1記載の方法において、該方法は、携帯型民生機器を用いる消費者により実行され、プライマリPANは、携帯型民生機器に対するものであることを特徴とする方法。
- 本体と、
コンピュータで読取可能な媒体とを含む携帯型民生機器であって、コンピュータで読取可能な媒体は、プライマリPANに対するセカンダリPANのためのコードを含み、セカンダリPANは終端部を有し、少なくとも一つの終端部はプライマリPANと同一であるが、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とする携帯型民生機器。 - 請求項10記載の携帯型民生機器において、携帯型民生機器は支払カードであることを特徴とする携帯型民生機器。
- 請求項10記載の携帯型民生機器において、終端部は、第一終端部及び第二終端部を含み、第一終端部は、銀行識別番号を含むことを特徴とする携帯型民生機器。
- 携帯型民生機器を用いて、プライマリPANに対するセカンダリPANを提供するためのコードであって、セカンダリPANは終端部を有し、少なくとも一つの終端部はプライマリPANと同一であるが、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とするコードとセカンダリPANを提供後、支払い取引に対する承認、非承認を受信するコードとを含むコンピュータで読取可能な媒体。
- 請求項13記載のコンピュータで読取可能な媒体において、セカンダリPANは暗号化され、コンピュータで読取可能な媒体は、更に、
プライマリPANを発行者に提供するためのコードを含み、プライマリPANは暗号化されることを特徴とするコンピュータで読取可能な媒体。 - 取引に関する認定要求メッセージを受信するステップであって、認定要求メッセージは、プライマリPANに対するセカンダリPANを含み、セカンダリPANは終端部を有し、少なくとも一つの終端部はプライマリPANと同一であるが、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とするステップと、
セカンダリPANを解析するステップと、
プライマリPANを解析するステップと、
認定要求メッセージを送信するステップであって、認定要求メッセージは、支払取引に対する承認又は不承認を受信するステップであることを特徴とする方法とを含む方法。 - 請求項15記載の方法において、プライマリPANは、携帯型民生機器に対するものであり、該方法は、発行者又は支払処理ネットワークにより実行されることを特徴とする方法。
- 請求項15記載の方法において、中間部は、同一の数字を有する少なくとも3デジットを含むことを特徴とする方法。
- 請求項15記載の方法において、終端部は、BINを含む第一終端部と、4デジットを含む第二終端部とを含むことを特徴とする方法。
- 請求項15記載の方法において、プライマリPANが通常置かれている領域に、セカンダリPANを置き、プライマリPANが通常置かれていない領域に、プライマリPANを置くことを特徴とする方法。
- 請求項15記載の方法において、セカンダリPANは、携帯型民生機器から受信され、プライマリPANは、セカンダリPANが受信された後、データベースで特定されることを特徴とする方法。
- 取引に関する認定要求メッセージを受信するためのコードであって、認定要求メッセージは、プライマリPANに対するセカンダリPANを含み、セカンダリPANは終端部を有し、少なくとも一つの終端部はプライマリPANと同一であるが、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とするコードと、
セカンダリPANを解析するためのコードと、
プライマリPANを解析するためのコードと、
認定要求メッセージを送信するためのコードであって、認定要求メッセージは、取引に対する承認又は不承認を表すことを特徴とするコードとを含むコンピュータで読取可能な媒体。 - 請求項21記載のコンピュータで読取可能な媒体において、終端部は、BINを含む第一終端部と、4デジットを含む第二終端部とを含むことを特徴とするコンピュータで読取可能な媒体。
- 請求項21記載のコンピュータで読取可能な媒体において、中間部は、同一の数字を有する少なくとも3デジットを含むことを特徴とするコンピュータで読取可能な媒体。
- 請求項21記載のコンピュータで読取可能な媒体において、プライマリPAN及びセカンダリPANの両方は、13又は16あるいは19デジットを有することを特徴とするコンピュータで読取可能な媒体。
- 請求項21記載のコンピュータで読取可能な媒体を含むサーバ。
- プライマリPANに対するセカンダリPANを提供するステップであって、セカンダリPANは、位置識別データ要素を有し、位置識別データ要素は、プライマリPANと同一であり、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とするステップと、
セカンダリPANを提供した後、支払取引に対する承認又は不承認を受信するステップとを含む方法。 - 請求項26記載の方法において、位置識別データ要素は、BINであることを特徴とする方法。
- プライマリPANに対するセカンダリPANを提供するステップであって、セカンダリPANは、位置識別データ要素を有し、位置識別データ要素は、プライマリPANと同一であり、セカンダリPANの少なくとも中間部は、プライマリPANとは異なることを特徴とするステップと、
セカンダリPANを提供した後、支払取引に対する承認又は不承認を受信するステップとを含むコンピュータで読取可能な媒体。
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