JP2018508091A - スマートカード支払システム及び方法 - Google Patents
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Abstract
Description
本出願は、2015年3月13日に出願された米国仮出願第62/132,716号、2015年8月27日に出願された米国仮出願第62/210,574号、2016年2月24日に出願された米国仮出願第62/299,161号、及び2016年3月4日に出願された米国仮出願第62/303,863号の優先権を主張して2016年3月11日に出願された米国非仮出願第15/067,754号の優先権を主張し、これらの内容の全体は、参照により本明細書に援用される。
技術分野
本開示は、包括的には、あらゆる標準POSデバイスで受け付けられるISO−7810規格で規定されているクレジットカードのフォームファクタを有する単一の物理的な汎用電子トランザクションカードを、消費者が便利に、確実に、及び安全に使用できる、安全な汎用電子トランザクションカードベースの支払システムを提供する、コンピュータ実装システム及び方法の分野に関する。複数のトランザクション口座番号、アプレット及び/又はトークンがセキュアエレメントに保存され、これにより、消費者は、既存のPOS端末において、磁気ストライプ(MagStripe)、EMV、NFCの何れかを使用して、クレジットカード、デビットカード、プリペイドカード、クラブアクセスカード、ギフトカード、特典及びロイヤリティカードの何れのアカウントからもトランザクションを行うことができ、ここで、バイオメトリック識別によって、電子トランザクションカードの正当な所有者のみが電子トランザクションカードをアクティブ化し、供給(provision)し、ロック解除することができる。電子トランザクションカードの使用後、全ての情報がロックされ、正当な所有者によるこの後のバイオメトリック識別がなければ、再び使用できなくなる。本明細書では、汎用電子トランザクションカードを汎用スマートカード又はスマートカードとも呼ぶ。
他の実施形態では、アプレットをセキュアエレメントと共に使用して、1つ又は複数の機能を遂行してもよく、この機能は、これらに限定されるわけではないが、以下を含む。1)スマートジャケット−カードペアリング。2)以下のような、供給された(provisioned)支払カードの様々なフィールド。a)ステータス。b)トラック1,2及び3。c)カードニックネーム。d)スマートカード識別子。e)スマートカードに供給されたカードのアプリケーションID(AID)。f)スマートカードに供給されたカードのアプリケーションラベル(LABEL)。g)カードの目的及びカテゴリ。h)モバイルハンドセット及びスマートカードディスプレイ用のUIコンテンツ(UI)。3)供給されたロイヤリティカードの様々なフィールド。4)以下のような特定のジャケットのパーソナライズされたデータ。a)ジャケットのシリアル番号。b)ジャケットのハッシュ。c)対応するカードのハッシュ。d)モバイルハンドセット識別子のハッシュ。e)スマートカードを認証するためのAES−256キー。f)モバイルハンドセットを認証するためのRSA−2048キーペア(秘密鍵)。g)モバイル上で、供給されたカードの機密データにアクセスするためのバックアップ4桁PIN。5)ハンドセットデバイス及びカードSEの認証。6)スクロール、選択、ロックのためのモバイルハンドセットUIへのディスプレイコンテンツの送信。7)スマートカードディスプレイへのディスプレイコンテンツの送信。8)スマートカード上のダイナミック磁気ストライプへのトラックの詳細の送信。9)非接触(NFCベース)トランザクション及びコンタクト(チップアンドピン)トランザクションの両方について、特定の(ロックされた)カードを有効にするためのカードSEへのアプリケーションID(AID)及びラベル(LABEL)の送信。
Claims (8)
- 任意の標準POS端末におけるバイオメトリック認証後の1回の使用のために、標準ISO−7810カードフォームファクタ汎用スマートカードに複数の支払カードアプレットを作成、保存、及びセキュリティ保護する方法であって、
標準ISO−7810スマートカード上のセキュアエレメントに複数のアプレットを作成、保存、及びセキュリティ保護することと、
POS端末で使用するための特定のカードアプレットを選択することと、
バイオメトリック認証入力及び検証によって、使用のために、前記スマートカード上の特定のカードアプレットをロック解除することと、
前記ロック解除されたスマートカードから、販売時点情報(POS)デバイス又はビジネスに関連するサーバにトランザクションデータを送信することと、
任意の標準磁気ストライプ、EMV、NFCコンタクト、及び非接触POS端末でのスマートカードの使用をサポートすることと、
POS端末における使用後に、後のバイオメトリック入力及び検証まで前記スマートカード上の全てのカードアプレットをロックすることと、
バイオメトリックスキャナを備えるスマートカードにユーザがバイオメトリック入力を入力することと、
前記スマートカードとサポートデバイスとの間で、安全な通信を直接的又は間接的に提供することと、
前記スマートカードと、インターネットクラウド及びその内のサーバとの間で安全な通信を直接的又は間接的に提供することとを含む方法。 - 前記スマートカードのバイオメトリックロック解除は、前記スマートカード用のドッキング及び供給用のスリーブとして機能する、ペアリングされたスマートジャケット上の指紋スキャナによって行われる請求項1記載の方法。
- 前記スマートジャケット及び前記スマートカードは、製造時に、使用のためにペアリングされる請求項2記載の方法。
- 前記スマートカードのバイオメトリックロック解除は、前記スマートカード自体の指紋スキャナを介して行われる請求項1記載の方法。
- 前記スマートカード上の前記アプレットの安全な供給は、前記スマートジャケット上のソフトウェアプロセスを介して実行される請求項1記載の方法。
- 前記スマートカード上のカードアプレットは、POS端末での使用後に、スマートカード上のカスタムPSE/PPSEアプレットによってロックされる請求項1記載の方法。
- 前記スマートジャケットは、モバイルデバイス上の相手方のモバイルアプリケーションとの安全なBLE通信を介して、前記インターネットクラウドと間接的に通信する請求項1記載の方法。
- 前記スマートジャケットは、安全なWi−Fi通信を介して、前記インターネットクラウドと直接的に通信する請求項1記載の方法。
Applications Claiming Priority (11)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201562132716P | 2015-03-13 | 2015-03-13 | |
US62/132,716 | 2015-03-13 | ||
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Publication number | Publication date |
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US20160267486A1 (en) | 2016-09-15 |
GB201714235D0 (en) | 2017-10-18 |
GB2551932A (en) | 2018-01-03 |
US20190303945A1 (en) | 2019-10-03 |
WO2016149156A1 (en) | 2016-09-22 |
CA2978327A1 (en) | 2016-09-22 |
AU2016233536A1 (en) | 2017-09-21 |
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