JP2019128957A - カードリーダなしの取引システム及びカードリーダなしの取引システムの操作方法 - Google Patents
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- G—PHYSICS
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- 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
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- G—PHYSICS
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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
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- 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
- G06Q20/409—Device specific authentication in transaction processing
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- 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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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- 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
- H04L9/3234—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 additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
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- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
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- G06K7/1404—Methods for optical code recognition
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- G06K7/1417—2D bar codes
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Abstract
Description
110 取引制御装置
120 中間サーバ
130 取引受付サーバ
140 トークン解析サーバ
150 クレジットカード取引サーバ
160 クレジットカード中央サーバ
M1 接続メッセージ
M2 取引メッセージ
M3 取引確認メッセージ
TKN 取引トークン
CN クレジットカード番号
200 方法
S210〜S270、S310〜S390 ステップ
Claims (12)
- バーコードをスキャンして取引情報及び中間サーバのインターネットアドレスを取得し、前記取引情報に基づいて前記中間サーバのインターネットアドレスに接続メッセージを送信する取引制御装置と、
前記接続メッセージを受信して前記取引制御装置との接続を確立し、前記接続を介して前記取引制御装置の取引トークン及び取引金額を取得し、前記取引トークン及び前記取引金額に基づいて取引メッセージを送信する中間サーバと、
前記取引メッセージを受信して前記中間サーバとの接続を確立し、前記取引トークンが検証された後に、前記取引メッセージに基づいて取引確認メッセージを生成して前記中間サーバに送信する取引受付サーバと、を含む、カードリーダなしの取引システム。 - 前記取引制御装置は、スマートフォン又はタブレットコンピュータである、請求項1に記載のカードリーダなしの取引システム。
- 前記中間サーバは、前記取引メッセージを記憶するためのメモリをさらに含む、請求項1に記載のカードリーダなしの取引システム。
- 前記取引トークンは、クレジットカード番号に対応する、請求項1に記載のカードリーダなしの取引システム。
- 前記取引トークンを解析して前記クレジットカード番号を取得するトークン解析サーバと、
前記クレジットカード番号を検証し、前記取引メッセージに対応する取引を処理するクレジットカード取引サーバと、
前記取引受付サーバにより送信された前記取引トークンを前記トークン解析サーバに送信し、検証を行わせるように前記クレジットカード番号を前記クレジットカード取引サーバに送信するクレジットカード中央サーバと、をさらに含む、請求項4に記載のカードリーダなしの取引システム。 - 前記クレジットカード中央サーバは、前記クレジットカード番号をトークン解析サーバに送信し、
前記トークン解析サーバは、前記クレジットカード番号を前記取引トークンに符号化し、前記取引トークンを前記クレジットカード中央サーバに送信し、
前記クレジットカード中央サーバは、前記取引を確認させるように前記取引トークンを前記取引受付サーバに送信する、請求項5に記載のカードリーダなしの取引システム。 - 前記中間サーバは、カードリーダの通信フォーマットに従って前記取引トークンを前記取引受付サーバに送信する、請求項1に記載のカードリーダなしの取引システム。
- 取引制御装置と、中間サーバと、取引受付サーバとを含むカードリーダなしの取引システムの操作方法であって、
前記取引制御装置がバーコードをスキャンして取引情報及び中間サーバのインターネットアドレスを取得するステップと、
前記取引制御装置が前記取引情報に基づいて前記中間サーバのインターネットアドレスに接続メッセージを送信するステップと、
前記中間サーバが前記接続メッセージを受信して前記取引制御装置との接続を確立するステップと、
前記中間サーバが前記接続を介して前記取引制御装置の取引トークン及び取引金額を取得するステップと、
前記中間サーバが前記取引トークン及び前記取引金額に基づいて取引メッセージを送信するステップと、
前記取引受付サーバが前記取引メッセージを受信して前記中間サーバとの接続を確立するステップと、
前記取引トークンが検証された後に、前記取引受付サーバが前記取引メッセージに基づいて取引確認メッセージを生成して前記中間サーバに送信するステップと、を含む、カードリーダなしの取引システムの操作方法。 - 前記取引トークンは、クレジットカード番号に対応する、請求項8に記載のカードリーダなしの取引システムの操作方法。
- 前記カードリーダなしの取引システムは、トークン解析サーバと、クレジットカード取引サーバと、クレジットカード中央サーバと、をさらに含み、
前記カードリーダなしの取引システムの操作方法は、
前記クレジットカード中央サーバが前記取引受付サーバにより送信された前記取引トークンを前記トークン解析サーバに送信するステップと、
前記トークン解析サーバが前記取引トークンを解析して前記クレジットカード番号を取得するステップと、
前記クレジットカード中央サーバが前記クレジットカード番号を前記クレジットカード取引サーバに送信するステップと、
前記クレジットカード取引サーバが前記クレジットカード番号を検証するステップと、
前記クレジットカード取引サーバが前記取引メッセージに対応する取引を処理するステップと、をさらに含む、請求項9に記載のカードリーダなしの取引システムの操作方法。 - 前記クレジットカード中央サーバが前記クレジットカード番号をトークン解析サーバに送信するステップと、
前記トークン解析サーバが前記クレジットカード番号を前記取引トークンに符号化するステップと、
前記トークン解析サーバが前記取引トークンを前記クレジットカード中央サーバに送信するステップと、
前記クレジットカード中央サーバが前記取引を確認させるように前記取引トークンを前記取引受付サーバに送信するステップと、をさらに含む、請求項10に記載のカードリーダなしの取引システムの操作方法。 - 前記中間サーバが前記取引トークン及び前記取引金額に基づいて前記取引メッセージを送信するステップにおいて、前記中間サーバがカードリーダの通信フォーマットに従って前記取引トークンを前記取引受付サーバに送信する、請求項8に記載のカードリーダなしの取引システムの操作方法。
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US201862619128P | 2018-01-19 | 2018-01-19 | |
US62/619,128 | 2018-01-19 | ||
TW108100544 | 2019-01-07 | ||
TW108100544A TWI730282B (zh) | 2018-01-19 | 2019-01-07 | 免讀卡交易系統及操作免讀卡交易系統的方法 |
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CN110060048B (zh) | 2023-08-04 |
US20190228404A1 (en) | 2019-07-25 |
US10929838B2 (en) | 2021-02-23 |
CN110060048A (zh) | 2019-07-26 |
EP3514747A1 (en) | 2019-07-24 |
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