JP2022524269A - 非接触カードの仮想番号を生成するためのオンデマンドアプリケーションを使用したフォームの安全な自動入力 - Google Patents
非接触カードの仮想番号を生成するためのオンデマンドアプリケーションを使用したフォームの安全な自動入力 Download PDFInfo
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Abstract
Description
この出願は、2019年2月1日に出願された「非接触カードの仮想番号を生成するためのオンデマンドアプリケーションを使用したフォームの安全な自動入力」という名称の米国特許出願第16/265,961号の優先権を主張する。前述の出願の内容は、その全体が参照により本明細書に援用される。
Claims (20)
- 装置であって、
プロセッサ回路と、
命令を格納するメモリと、を備え、
前記命令は、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記プロセッサ回路で実行される第1のアプリケーションが、アカウント番号フィールド、有効期限フィールド、およびカード検証値(CVV)フィールドを備える支払いフォームを出力し、
前記プロセッサ回路で実行されるオペレーティングシステム(OS)が、非接触カードの通信インターフェースから、前記非接触カードのメモリに格納された前記非接触カードの秘密鍵に少なくとも部分的に基づいて前記非接触カードによって生成された暗号化されたデータを備えるユニフォームリソースロケータ(URL)を受信し、
前記プロセッサ回路で第2のアプリケーションを実行し、前記第2のアプリケーションは、前記OSによって前記URLから受信され、
前記第2のアプリケーションが、前記暗号化されたデータを認証サーバに送信し、前記認証サーバは、前記認証サーバのメモリに格納された前記非接触カードの前記秘密鍵に少なくとも部分的に基づいて前記暗号化されたデータを復号することによって前記暗号化されたデータを検証し、
前記第2のアプリケーションが、前記認証サーバによる前記暗号化されたデータの検証に基づいて仮想アカウント番号サーバから、仮想アカウント番号を受信し、
前記第2のアプリケーションが、前記仮想アカウント番号に関連付けられた有効期限および前記仮想アカウント番号に関連付けられたCVVを受信し、
前記第2のアプリケーションが、前記仮想アカウント番号、有効期限、およびCVVを前記OSの自動入力サービスに提供し、
前記OSの前記自動入力サービスが、前記仮想アカウント番号を前記アカウント番号フィールドに、前記有効期限を前記有効期限フィールドに、および前記CVVを前記CVVフィールドに、自動入力する、
ことを実行させる、
装置。 - 前記第1のアプリケーションは、(i)ウェブブラウザ、(ii)ネイティブOSアプリケーション、および(iii)アプリケーションストアで利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、(i)ウェブブラウザで実行されるプログレッシブウェブアプリケーション、(ii)インスタントアプリケーション、および(iii)アプリケーションストアの外部で利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、アカウント管理アプリケーションのページのサブセットを備え、前記有効期限および前記CVVは、(i)前記仮想アカウント番号サーバによって生成された有効期限およびCVV、および(ii)アカウントデータベースから受信した前記非接触カードの有効期限およびCVVのうちの1つまたは複数を備え、前記メモリは、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記アカウント番号フィールドに前記仮想アカウント番号、前記有効期限フィールドに前記有効期限、前記CVVフィールドに前記CVVを備える前記フォームを提出する、
ことを実行させる命令を格納する、請求項1に記載の装置。 - 前記メモリは、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記OSが、前記OSの少なくとも1つの属性を前記URLで前記第2のアプリケーションをホストしているアプリケーションサーバに送信し、
前記アプリケーションサーバが、前記OSの前記少なくとも1つの属性および必要な機能に基づいて、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションの1つを、前記OSと互換性があり、前記必要な機能を実行するように構成されているものとして選択し、
前記アプリケーションサーバが、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションの選択されたものを前記装置に送信する、
ことを実行させる命令を格納する、請求項2に記載の装置。 - 前記第2のアプリケーションは、前記プログレッシブウェブアプリケーションと、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記OSが、前記URLの受信に応答する前記プログレッシブウェブアプリケーションを受信し、前記URLは、前記プログレッシブウェブアプリケーションへのユニバーサルリンクURLを備え、
前記ウェブブラウザで前記プログレッシブウェブアプリケーションを実行し、
前記プログレッシブウェブアプリケーションが、前記インスタントアプリケーションを受信することを決定し、
前記インスタントアプリケーションを受信し、
前記OSで前記インスタントアプリケーションを実行し、前記インスタントアプリケーションは、
前記仮想アカウント番号、有効期限、およびCVVを受信し、
前記自動入力サービスに前記仮想アカウント番号、有効期限、CVVを提供する、
ことを実行させる命令を格納するメモリと、を備える、請求項2に記載の装置。 - 前記メモリは、前記プロセッサ回路によって実行されると、前記プロセッサ回路に、
前記第2のアプリケーションが、前記暗号化されたデータを備える前記URLを受信し、前記暗号化されたデータは、符号化されたフォーマットに符号化され、
前記第2のアプリケーションが、前記暗号化されたデータを符号化されていないフォーマットに復号し、
前記第2のアプリケーションが、前記復号された暗号化されたデータを前記認証サーバに送信する、
ことを実行させる命令を格納する、請求項1に記載の装置。 - 前記非接触カードのメモリ内で実行されるアプレットは、
前記暗号化されたデータを生成し、
前記符号化されたフォーマットに従って前記暗号化されたデータを符号化し、
前記符号化フォーマットに従って符号化された前記暗号化されたデータを備える前記URLを生成する、
請求項5に記載の装置。 - 前記仮想アカウント番号、有効期限、およびCVVは、前記自動入力サービスのアプリケーションプログラミングインターフェース(API)に提供され、前記非接触カードの前記通信インターフェースは、近距離無線通信(NFC)、ブルートゥース、およびWi-Fiのうちの少なくとも1つをサポートするように構成される、請求項1に記載の装置。
- デバイスのプロセッサ回路で実行される第1のアプリケーションが、アカウント番号フィールド、有効期限フィールド、およびカード検証値(CVV)フィールドを備える支払いフォームを出力することと、
前記プロセッサ回路で実行されるオペレーティングシステム(OS)が、非接触カードの通信インターフェースから、前記非接触カードのメモリに格納された前記非接触カードの秘密鍵に少なくとも部分的に基づいて前記非接触カードによって生成された暗号化されたデータを備えるユニフォームリソースロケータ(URL)を受信することと、
前記プロセッサ回路で第2のアプリケーションを実行することであって、前記第2のアプリケーションは、前記OSによって前記URLから受信される、ことと、
前記第2のアプリケーションが、前記暗号化されたデータを認証サーバに送信することであって、前記認証サーバは、前記認証サーバのメモリに格納された前記非接触カードの前記秘密鍵に少なくとも部分的に基づいて前記暗号化されたデータを復号することによって前記暗号化されたデータを検証する、ことと、
前記第2のアプリケーションが、前記認証サーバによる前記暗号化されたデータの検証に基づいて、仮想アカウント番号サーバから、仮想アカウント番号を受信することと、
前記第2のアプリケーションが、前記仮想アカウント番号に関連付けられた有効期限および前記仮想アカウント番号に関連付けられたCVVを受信することと、
前記第2のアプリケーションが、前記仮想アカウント番号、有効期限、およびCVVを前記OSの自動入力サービスに提供することと、
前記OSの前記自動入力サービスが、前記仮想アカウント番号を前記アカウント番号フィールドに、前記有効期限を前記有効期限フィールドに、および前記CVVを前記CVVフィールドに、自動入力することと、
を含む方法。 - 前記第1のアプリケーションは、(i)ウェブブラウザ、(ii)ネイティブOSアプリケーション、および(iii)アプリケーションストアで利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、(i)ウェブブラウザで実行されるプログレッシブウェブアプリケーション、(ii)インスタントアプリケーション、および(iii)アプリケーションストアの外部で利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、アカウント管理アプリケーションのページのサブセットを備え、前記有効期限および前記CVVは、(i)前記仮想アカウント番号サーバによって生成された有効期限およびCVV、および(ii)アカウントデータベースから受信した前記非接触カードの有効期限およびCVVのうちの1つまたは複数を備え、前記方法は、
前記アカウント番号フィールドに前記仮想アカウント番号、前記有効期限フィールドに前記有効期限、前記CVVフィールドに前記CVVを備える前記フォームを提出すること、
をさらに含む、請求項8に記載の方法。 - 前記方法は、
前記OSが、前記URLで前記第2のアプリケーションをホストしているアプリケーションサーバに前記OSの少なくとも1つの属性を送信することと、
前記アプリケーションサーバが、前記OSの前記少なくとも1つの属性および必要な機能に基づいて、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションの1つを、前記OSと互換性があり、前記必要な機能を実行するように構成されているものとして選択することと、
前記アプリケーションサーバが、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションのうち前記選択された1つを前記デバイスに送信することと、
をさらに含む、請求項9に記載の方法。 - 前記第2のアプリケーションは、前記プログレッシブウェブアプリケーションを備え、前記方法は、
前記ORが、前記URLの受信に応答する前記プログレッシブウェブアプリケーションを受信することであって、前記URLは、前記プログレッシブウェブアプリケーションへのユニバーサルリンクURLを備える、ことと、
前記ウェブブラウザで前記プログレッシブウェブアプリケーションを実行することと、
前記プログレッシブウェブアプリケーションが、前記インスタントアプリケーションを受信することを決定することと、
前記インスタントアプリケーションを受信することと、
前記OSで前記インスタントアプリケーションを実行することであって、前記インスタントアプリケーションは、
前記仮想アカウント番号、有効期限、およびCVVを受信し、
前記自動入力サービスに前記仮想アカウント番号、有効期限、CVVを提供する、こと、
をさらに含む、請求項9に記載の方法。 - 前記方法は、
前記第2のアプリケーションが、前記暗号化されたデータを備える前記URLを受信することであって、前記暗号化されたデータは、符号化されたフォーマットに符号化される、ことと、
前記第2のアプリケーションが、前記暗号化されたデータを符号化されていないフォーマットに復号することと、
前記第2のアプリケーションが、前記復号された暗号化されたデータを前記認証サーバに送信することと、
をさらに含む、請求項8に記載の方法。 - 前記非接触カードのメモリで実行されるアプレットは、
前記暗号化されたデータを生成し、
前記符号化されたフォーマットに従って前記暗号化されたデータを符号化し、
前記符号化フォーマットに従って符号化された前記暗号化されたデータを備える前記URLを生成する、
請求項12に記載の方法。 - 前記非接触カードの前記通信インターフェースは、近距離無線通信(NFC)、ブルートゥース、およびWi-Fiのうちの少なくとも1つをサポートするように構成される、請求項8に記載の方法。
- コンピュータ可読プログラムコードが具体化された非一時的コンピュータ可読記憶媒体であって、プロセッサ回路によって実行可能な前記コンピュータ可読プログラムコードは、前記プロセッサ回路に、
前記プロセッサ回路で実行される第1のアプリケーションが、アカウント番号フィールド、有効期限フィールド、およびカード検証値(CVV)フィールドを備える支払いフォームを出力することと、
前記プロセッサ回路で実行されるオペレーティングシステム(OS)が、非接触カードの通信インターフェースから、前記非接触カードのメモリに格納された前記非接触カードの秘密鍵に少なくとも部分的に基づいて前記非接触カードによって生成された暗号化されたデータを備えるユニフォームリソースロケータ(URL)を受信することと、
前記プロセッサ回路で第2のアプリケーションを実行することであって、前記第2のアプリケーションは、前記OSによって前記URLから受信される、ことと、
前記第2のアプリケーションが、前記暗号化されたデータを認証サーバに送信することであって、前記認証サーバは、前記認証サーバのメモリに格納された前記非接触カードの前記秘密鍵に少なくとも部分的に基づいて前記暗号化されたデータを復号することによって前記暗号化されたデータを検証する、ことと、
前記第2のアプリケーションが、前記認証サーバによる前記暗号化されたデータの検証に基づいて、仮想アカウント番号サーバから、仮想アカウント番号を受信することと、
前記第2のアプリケーションが、前記仮想アカウント番号に関連付けられた有効期限および前記仮想アカウント番号に関連付けられたCVVを受信することと、
前記第2のアプリケーションが、前記仮想アカウント番号、有効期限、およびCVVを前記OSの自動入力サービスに提供することと、
前記OSの前記自動入力サービスが、前記仮想アカウント番号を前記アカウント番号フィールドに、前記有効期限を前記有効期限フィールドに、および前記CVVを前記CVVフィールドに、自動入力することと、
を実行させる、非一時的コンピュータ可読記憶媒体。 - 前記第1のアプリケーションは、(i)ウェブブラウザ、(ii)ネイティブOSアプリケーション、および(iii)アプリケーションストアで利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、(i)ウェブブラウザで実行されるプログレッシブウェブアプリケーション、(ii)インスタントアプリケーション、および(iii)アプリケーションストアの外部で利用可能なアプリケーションのうちの少なくとも1つを備え、前記第2のアプリケーションは、アカウント管理アプリケーションのページのサブセットを備え、前記有効期限および前記CVVは、(i)前記仮想アカウント番号サーバによって生成された有効期限およびCVV、および(ii)アカウントデータベースから受信した前記非接触カードの有効期限およびCVVのうちの1つまたは複数を備え、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記アカウント番号フィールドに前記仮想アカウント番号、前記有効期限フィールドに前記有効期限、前記CVVフィールドに前記CVVを備える前記フォームを提出すること、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項15に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記OSが、前記OSの少なくとも1つの属性を前記URLで前記第2のアプリケーションをホストしているアプリケーションサーバに送信することと、
前記アプリケーションサーバが、前記OSの前記少なくとも1つの属性および必要な機能に基づいて、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションの1つを、前記OSと互換性があり、前記必要な機能を実行するように構成されているものとして選択することと、
前記アプリケーションサーバが、前記プログレッシブウェブアプリケーションおよび前記インスタントアプリケーションのうち前記選択された1つを前記プロセッサ回路に送信することと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項16に記載の非一時的コンピュータ可読記憶媒体。 - 前記第2のアプリケーションは、前記プログレッシブウェブアプリケーションを備え、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記ORが、前記URLの受信に応答する前記プログレッシブウェブアプリケーションを受信することであって、前記URLは、前記プログレッシブウェブアプリケーションへのユニバーサルリンクURLを備える、ことと、
前記ウェブブラウザで前記プログレッシブウェブアプリケーションを実行することと、
前記プログレッシブウェブアプリケーションが、前記インスタントアプリケーションを受信することを決定することと、
前記インスタントアプリケーションを受信することと、
前記OSで前記インスタントアプリケーションを実行することであって、前記インスタントアプリケーションは、
前記仮想アカウント番号、有効期限、およびCVVを受信し、
前記自動入力サービスに前記仮想アカウント番号、有効期限、CVVを提供する、ことと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項16に記載の非一時的コンピュータ可読記憶媒体。 - 前記非一時的コンピュータ可読記憶媒体は、前記プロセッサ回路によって実行可能なコンピュータ可読プログラムコードであって、前記プロセッサ回路に、
前記第2のアプリケーションが、前記暗号化されたデータを備える前記URLを受信することであって、前記暗号化されたデータは、符号化されたフォーマットに符号化される、ことと、
前記第2のアプリケーションが、前記暗号化されたデータを符号化されていないフォーマットに復号することと、
前記第2のアプリケーションが、前記復号された暗号化されたデータを前記認証サーバに送信することと、
を実行させるコンピュータ可読プログラムコードをさらに含む、請求項15に記載の非一時的コンピュータ可読記憶媒体。 - 前記非接触カードの前記通信インターフェースは、近距離無線通信(NFC)、ブルートゥース、およびWi-Fiのうちの少なくとも1つをサポートするように構成され、前記非接触カードのメモリで実行されるアプレットは、
前記暗号化されたデータを生成し、
前記符号化されたフォーマットに従って前記暗号化されたデータを符号化し、
前記符号化フォーマットに従って符号化された前記暗号化されたデータを備える前記URLを生成する、
ように構成される、請求項19に記載の非一時的コンピュータ可読記憶媒体。
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