JP2019517699A - カード決済システムおよび生体情報を用いるための方法 - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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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
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
- H04L63/061—Network architectures or network communication protocols for network security for supporting key management in a packet data network for key exchange, e.g. in peer-to-peer networks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
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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
- H04L9/3226—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 using a predetermined code, e.g. password, passphrase or PIN
-
- 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
- H04L9/3226—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 using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
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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
- G06Q2220/00—Business processing using cryptography
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
- H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
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Abstract
Description
特許文献2:大韓民国特許第10−0876003号(発行日:2008年12月26日)
特許文献3:大韓民国特許出願公開公報第10−2013−0008125号(公開日:2013年1月22日)
特許文献4:大韓民国特許出願公開公報第10−2013−0050039(公開日:2013年5月15日)
Claims (7)
- カード決済システムであって、
通信ネットワークと、
カード情報およびカード所有者の第1生体情報を保存するICカードと、
前記ICカードを読み取ることにより前記カード情報および前記第1生体情報を取得し、前記ICカードのユーザから第2生体情報を取得し、前記第1生体情報と前記第2生体情報とが同じである場合に前記カード情報の暗号化のためのユーザパスワードキーを取得し、前記ユーザパスワードキーを用いてユーザカード情報暗号文を生成し、前記ユーザパスワードキー、前記ユーザカード情報暗号文および決済情報を前記通信ネットワークを介して送信して、決済承認を要求するカードリーダと、
複数のパスワードキーおよび複数の暗号文検索キーがペアとして保存された暗号文検索キーテーブルと、複数のカード情報暗号文および前記複数の暗号文検索キーがペアとして保存されたカード情報暗号文テーブルとを含み、前記カードリーダから送信された前記ユーザパスワードキーに対応する前記暗号文検索キーテーブルの対応暗号文検索キーを前記暗号文検索キーテーブルから見つけ、前記対応暗号文検索キーに対応する前記カード情報暗号文テーブルの対応カード情報暗号文を前記カード情報暗号文テーブルから見つけ、前記ユーザカード情報暗号文と前記対応カード情報暗号文とが同じである場合に、前記カードリーダの前記決済承認を処理するサーバと
を備える、システム。 - 前記カード決済システムは、ユーザ端末ユニットをさらに備え、前記ユーザ端末ユニットは、前記カードリーダが前記通信ネットワークを介して前記ユーザ端末ユニットに対して前記ユーザパスワードキーを要求する場合に、前記ユーザパスワードキーを前記カードリーダへ送信する、請求項1に記載のシステム。
- 前記ユーザ端末ユニットは、前記サーバが前記カード情報暗号文テーブルおよび前記暗号文検索キーテーブルを生成するよう、前記複数の暗号文検索キーおよび前記複数のパスワードキーを前記通信ネットワークを介して前記サーバへ送信する、請求項2に記載のシステム。
- 前記カードリーダは、
通信ユニットと、
前記ICカードを読み取ることにより前記カード情報および前記第1生体情報を取得するICカードリーダユニットと、
前記ICカードの前記ユーザから前記第2生体情報を取得する生体情報リーダユニットと、
前記第1生体情報と前記第2生体情報とが同じであるかどうかをチェックする生体情報識別モジュールと、
前記ユーザパスワードキーを用いて前記ユーザカード情報暗号文を生成する暗号化モジュールと、
前記生体情報識別モジュールにおいて前記第1生体情報と前記第2生体情報とが同じである場合に前記ユーザパスワードキーを受信し、前記ユーザパスワードキーを前記暗号化モジュールに提供し、前記ユーザカード情報暗号文を前記暗号化モジュールから受信し、前記決済情報を受信し、前記サーバに対して前記決済承認を要求し、前記サーバが前記決済承認を処理した場合に前記決済承認の結果を表示する決済処理モジュールと
を含む、
請求項1または3に記載のシステム。 - カード決済システムの方法であって、
複数のパスワードキーおよび複数の暗号文検索キーがペアとして保存された暗号文検索キーテーブルと、前記複数の暗号文検索キーおよび複数のカード情報暗号文がペアとして保存されたカード情報暗号文テーブルとをサーバが生成する段階と、
ICカードから取得された第1生体情報と前記ICカードのユーザから取得された第2生体情報とが同じであるかどうかをカードリーダがチェックする段階と、
前記第1生体情報と前記第2生体情報とが同じである場合に、ユーザパスワードキーを受信した後に前記カードリーダがユーザカード情報暗号文を生成する段階と、
前記カードリーダが決済承認を要求する場合に、前記ユーザパスワードキーに対応する前記暗号文検索キーテーブルからの対応暗号文検索キーと、前記対応暗号文検索キーに対応する前記カード情報暗号文テーブルの対応カード情報暗号文とを前記サーバが見つける段階と、
前記カードリーダから送信された前記ユーザカード情報暗号文と前記対応カード情報暗号文とが同じであるかどうかを前記サーバがチェックする段階と、
前記ユーザカード情報暗号文と前記対応カード情報暗号文とが同じである場合に、前記サーバが前記決済承認を処理する段階と
を備える、方法。 - 前記サーバの前記生成する段階において、前記サーバは、通信ネットワークを介してユーザ端末ユニットから送信された複数の暗号文検索キーを用いて前記暗号文検索キーテーブルを生成し、通信ネットワークを介して前記ユーザ端末ユニットから送信された複数のパスワードキーを用いて前記カード情報暗号文テーブルを生成する、請求項5に記載の方法。
- 前記カードリーダの前記生成する段階において、前記カードリーダは、前記ユーザ端末ユニットに対して前記ユーザパスワードキーを要求し、前記ユーザ端末ユニットは、前記ユーザパスワードキーを前記カードリーダへ送信する、請求項6に記載の方法。
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KR1020160067663A KR101806390B1 (ko) | 2016-05-31 | 2016-05-31 | 생체 정보를 이용한 카드 결제 처리 시스템 및 그의 처리 방법 |
KR10-2016-0067663 | 2016-05-31 | ||
PCT/KR2016/014704 WO2017209364A1 (ko) | 2016-05-31 | 2016-12-15 | 생체 정보를 이용한 카드 결제 처리 시스템 및 그의 처리 방법 |
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EP (1) | EP3285221B1 (ja) |
JP (1) | JP2019517699A (ja) |
KR (1) | KR101806390B1 (ja) |
CN (1) | CN107451815A (ja) |
BR (1) | BR112018074668A2 (ja) |
CA (1) | CA3026057A1 (ja) |
WO (1) | WO2017209364A1 (ja) |
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EP4300450A3 (en) * | 2016-05-13 | 2024-02-07 | Moneris Solutions Corporation | Apparatus and method for payment processing |
KR102050823B1 (ko) * | 2018-11-26 | 2019-12-03 | 주식회사 두빛나래소프트 | Qr 코드를 이용한 정보 송수신 방법, 장치 및 시스템 |
KR102432106B1 (ko) * | 2018-11-26 | 2022-08-12 | 주식회사 두빛나래소프트 | 간편 결제를 위해 이차원 바코드를 이용하는 정보 송수신 방법 |
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- 2016-05-31 KR KR1020160067663A patent/KR101806390B1/ko active IP Right Grant
- 2016-11-18 US US15/355,135 patent/US20170344984A1/en not_active Abandoned
- 2016-12-09 CN CN201611129895.4A patent/CN107451815A/zh not_active Withdrawn
- 2016-12-15 EP EP16895733.0A patent/EP3285221B1/en active Active
- 2016-12-15 BR BR112018074668-1A patent/BR112018074668A2/pt not_active IP Right Cessation
- 2016-12-15 WO PCT/KR2016/014704 patent/WO2017209364A1/ko active Application Filing
- 2016-12-15 JP JP2018563595A patent/JP2019517699A/ja active Pending
- 2016-12-15 CA CA3026057A patent/CA3026057A1/en not_active Abandoned
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JP2002259866A (ja) * | 2001-02-27 | 2002-09-13 | Nec Commun Syst Ltd | 携帯端末接続型カードリーダ装置及びそれを用いた認証決済方法 |
US20110246369A1 (en) * | 2010-03-30 | 2011-10-06 | De Oliveira Marcelo Gomes | Event access with data field encryption for validation and access control |
WO2016009494A1 (ja) * | 2014-07-15 | 2016-01-21 | ブレイニー株式会社 | カード決済端末及びカード決済システム |
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EP3285221A1 (en) | 2018-02-21 |
WO2017209364A1 (ko) | 2017-12-07 |
BR112018074668A2 (pt) | 2019-03-06 |
KR101806390B1 (ko) | 2017-12-07 |
US20170344984A1 (en) | 2017-11-30 |
EP3285221A4 (en) | 2019-01-02 |
CA3026057A1 (en) | 2017-12-07 |
EP3285221B1 (en) | 2020-02-12 |
CN107451815A (zh) | 2017-12-08 |
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