JP2019091485A - 仮想カード番号基盤の金融取引提供システム、仮想カード番号生成装置、仮想カード番号検証装置、仮想カード番号基盤の金融取引提供方法及び仮想カード番号基盤の金融取引提供プログラム - Google Patents
仮想カード番号基盤の金融取引提供システム、仮想カード番号生成装置、仮想カード番号検証装置、仮想カード番号基盤の金融取引提供方法及び仮想カード番号基盤の金融取引提供プログラム Download PDFInfo
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Abstract
Description
第1コード=f1(C時点のカウント+仮想セキュリティコード)
第2コード=f2(C時点のカウント-A時点のカウント+仮想セキュリティコード)
(A時点:実際カード番号の発行時点、C時点:金融取引要求時点のカウント、仮想セキュリティコード:OTP番号)
Claims (14)
- 仮想カード番号検証手段が仮想カード番号生成手段から提供された仮想カード番号を金融取引端末より受信する仮想カード番号受信段階と、
前記仮想カード番号検証手段が前記仮想カード番号に含まれている複数の細部コードを抽出し、前記仮想カード番号は、固定コード及び複数の細部コードを特定の規則に従って結合して生成される細部コード抽出段階と、
前記仮想カード番号検証手段が前記複数の細部コードを基に実際カード番号の格納位置を探索する実際カード番号探索段階と、
前記仮想カード番号検証手段が前記格納位置から抽出された前記実際カード番号で金融取引の進行又は金融取引の進行を要請する段階とを含み、
前記固定コードは、前記仮想カード番号内に予め定められた位置に結合され、前記実際カード番号に対応するカード会社又はカードの類型を判断するコードであり、
前記複数の細部コードは、
格納位置探索の開始地点を設定する第1コードと、
特定の探索方式によって前記開始地点から前記格納位置への探索経路を設定する第2コードとを含み、
前記仮想カード番号生成手段に含まれている複数の細部コード生成関数によりそれぞれ生成されることを特徴とし、
前記第1コード及び前記第2コードは単位カウント毎に変更され、
前記単位カウントは特定の時間間隔に設定される、仮想カード番号基盤の金融取引提供方法。 - 前記仮想カード番号検証手段は、
単位カウント毎に正常に生成された仮想カード番号が受信されると、前記第1コードに対応する前記開始地点から前記第2コードに相応する探索経路に沿って移動した地点を前記格納位置にマッチされた地点として抽出する格納位置探索アルゴリズムを含むことを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - カード会社サーバが前記仮想カード番号検証手段を含む場合、
前記仮想カード番号受信段階は、
前記仮想カード番号検証手段が支払い決済サービスサーバで前記固定コードを基に特定のカード会社に対応するものとして分類された前記仮想カード番号を受信し、前記支払い決済サービスサーバは、前記金融取引端末から前記仮想カード番号を受信し、
前記細部コード抽出段階は、
前記固定コードを基にカードの類型を判断する段階と、
前記カードの類型に対応する仮想カード番号生成関数を用いて複数の細部コードを抽出する段階とを含み、
前記仮想カード番号生成関数は、複数の細部コードを特定の規則に従って結合する細部コード結合関数を含むことを特徴とし、
前記実際カード番号探索段階は、
前記カードの類型に対応する格納位置探索アルゴリズムを用いて複数の細部コードを基に実際カード番号の格納位置を探索することを特徴とする請求項2に記載の仮想カード番号基盤の金融取引提供方法。 - 前記仮想カード番号は、
前記固定コードで前記実際カード番号の発行者識別番号を同一の位置に配置し、
前記固定コードを除いた桁の個数の全部又は一部を分けて前記第1コードと第2コードの桁数として付与することを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - M(Mは自然数)個の文字でN(Nは自然数)桁の前記第1コード又は前記第2コードを生成する場合、
それぞれの前記細部コードは、
異なるMN個のコードがそれぞれの単位カウント毎にマッチされており、
前記仮想カード番号生成関数は、
単位カウント毎に特定のマッチング規則に従って順次、第1コード又は第2コードを提供する第1関数又は第2関数を含むことを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - 前記第1コードは、前記仮想カード番号検証手段で実際カード番号の発行を始めた最初の時点から経過した単位カウントを基に生成され、
前記第2コードは、個別の実際カード番号を発行した時点から経過した単位カウントを基に生成されることを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - 前記格納位置探索アルゴリズムが、1つのトラック上で第1コード及び第2コードを基にポインタを移動させる場合、
前記実際カード番号探索段階は、
前記仮想カード番号生成手段から受信した前記仮想カード番号内の第1コードに対応するトラック上の地点へポインタを移動する段階と、
前記第1コードに対応する位置を探索開始地点に設定し、前記第2コードに対応するカウント数だけトラックを回帰して実際カード番号の格納位置にマッチされた地点を探索する段階と、
実際カード番号の格納位置に含まれている実際カード番号を抽出する段階と、を含むことを特徴とする請求項3に記載の仮想カード番号基盤の金融取引提供方法。 - 特定の仮想カード番号生成手段に対する実際カード番号の新規生成要請が受信されると、特定のカウントにトラック上の特定の地点に対応する格納位置に実際カード番号を格納する段階を更に含み、
前記特定の地点は、前記ポインタが特定のカウントに位置する地点であることを特徴とする請求項7に記載の仮想カード番号基盤の金融取引提供方法。 - 前記実際カード番号探索段階は、
前記格納位置探索アルゴリズムがk(kはMN)個のコードが並んだトラック上をk角形が各コードが配置された地点に頂点が対応しながら転がり移動する場合、
前記仮想カード番号生成手段から受信した前記仮想カード番号内の第1コードに対応するトラック上の地点にk角形を転がり移動する段階と、
前記第1コードに対応する位置を探索開始地点に設定し、前記第2コードに適用された探索方式によって第2コードを基にk角形の配置状態における格納位置を探索し、前記格納位置は、前記k角形のそれぞれの頂点にマッチされる格納位置探索段階と、
前記格納位置に含まれている実際カード番号を抽出する段階と、
を含むことを特徴とする請求項3に記載の仮想カード番号基盤の金融取引提供方法。 - 特定の仮想カード番号生成手段から金融取引の取消要請が受信される場合、
前記仮想カード番号生成手段で金融取引の取消を要請するカウントに対応する仮想カード番号を受信する段階と、
前記仮想カード番号検証手段が前記仮想カード番号に対応する実際カード番号を探索する段階と、
前記仮想カード番号検証手段が前記実際カード番号に対する以前の金融取引を取り消す段階と、
を更に含むことを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - 前記仮想カード番号は、
実際カード番号の発行時点又は金融取引の要請時点で仮想セキュリティコードを加えたカウントを基に生成された第1コード及び第2コードで構成され、
前記仮想セキュリティコードは、仮想カード番号生成手段の固有値とカードセキュリティコードを基にOTP関数を通じて生成される特定桁数のコード値であって、前記仮想カード番号生成手段から前記仮想カード番号検証手段へ別途に提供されないものであり、
前記仮想カード番号検証手段が前記仮想カード番号を受信した時点から特定範囲内の時間値を基に算出された生成仮想セキュリティ番号を用いて前記仮想カード番号生成手段が正常に発行されたかを検証する段階と、
を更に含むことを特徴とする請求項1に記載の仮想カード番号基盤の金融取引提供方法。 - ハードウェアであるコンピュータと結合し、請求項1〜11のいずれか1項に記載の方法を実行するために媒体に格納された仮想カード番号基盤の金融取引提供プログラム。
- 複数の細部コードを生成する細部コード生成部と、
前記複数の細部コードを組み合わせて仮想カード番号として生成する仮想カード番号生成部と、
前記仮想カード番号を仮想カード番号検証手段に提供する仮想カード番号提供部とを含み、
前記仮想カード番号検証手段は、前記仮想カード番号に含まれている前記複数の細部コードを抽出し、
前記仮想カード番号は、固定コード及び前記複数の細部コードを特定の規則に従って結合して生成され、
前記固定コードは、前記仮想カード番号内に予め定められた位置に結合され、前記実際カード番号に対応するカード会社又はカードの類型を判断するコードであり、
前記複数の細部コードは、
格納位置探索の開始地点を設定する第1コードと、
特定の探索方式によって前記開始地点から前記格納位置への探索経路を設定する第2コードとを含み、
仮想カード番号生成関数 に含まれている複数の細部コード生成関数によりそれぞれ生成されることを特徴とし、
前記第1コード及び前記第2コードは単位カウント毎に変更され、
前記単位カウントは特定の時間間隔に設定される、仮想カード番号生成装置。 - 仮想カード番号を基に実際カード番号を探索する仮想カード番号検証サーバにおいて、
仮想カード番号生成装置から提供された仮想カード番号を受信する受信部と、
前記仮想カード番号に含まれている複数の細部コードを抽出し、前記仮想カード番号は、仮想カード番号生成装置により固定コード及び前記複数の細部コードを特定の規則に従って結合して生成される細部コード抽出部と、
前記複数の細部コードを基に実際カード番号の格納位置を探索する実際カード番号探索部とを含み、
前記固定コードは、前記仮想カード番号内に予め定められた位置に結合され、前記実際カード番号に対応するカード会社又はカードの類型を判断するコードであり、
前記複数の細部コードは、
格納位置探索の開始地点を設定する第1コードと、
特定の探索方式によって前記開始地点から前記格納位置への探索経路を設定する第2コードとを含み、
前記仮想カード番号生成装置に含まれている複数の細部コード生成関数によりそれぞれ生成されることを特徴とし、
前記第1コード及び前記第2コードは単位カウント毎に変更され、
前記単位カウントは特定の時間間隔に設定される、仮想カード番号検証サーバ。
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