JP2022538423A - アプレットプログラミングを実行するための技術 - Google Patents
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Abstract
Description
この出願は、2019年7月3日に出願された「アプレットプログラミングを実行するための技術」という名称の米国特許出願第16/503,003号の優先権を主張する。前述の特許出願の内容は、その全体が参照により本明細書に援用される。
Claims (20)
- トランザクションカードであって、
命令および1つまたは複数の検証値を格納するためのメモリと、
前記メモリと結合され、前記命令を実行するように動作可能な処理回路と、を備え、
前記命令は、実行されると、前記処理回路に、
現金自動預け払い機(ATM)から、検証署名で署名されたアプレットを受信することであって、前記アプレットは、前記処理回路によって実行できる命令を備える、ことと、
前記検証署名が前記メモリに格納されている前記検証値の1つと一致するかどうかを決定することと、
前記検証署名が前記検証値の1つと一致するという前記決定に応答して、前記処理回路によって実行するための前記命令を含む前記アプレットを有効にすることと、
前記検証署名が前記検証値のいずれとも一致しないという前記決定に応答して、実行するための前記命令を含む前記アプレットの有効化を防止することと、
を実行させる、トランザクションカード。 - 前記トランザクションカードは、
前記メモリおよび前記処理回路に結合された1つまたは複数の接触パッドであって、前記1つまたは複数の接触パッドは、それぞれ前記ATMの1つまたは複数の対応する接触パッドに結合された、1つまたは複数の接触パッドと、
前記1つまたは複数の対応する接触パッドと結合された前記1つまたは複数の接触パッドを介して前記ATMから前記アプレットを受信するための前記処理回路と、を備える、請求項1に記載のトランザクションカード。 - 前記1つまたは複数の接触パッドは、前記ATMのEMVライタの前記1つまたは複数の対応する接触パッド、および前記EMVライタを介して前記ATMから前記アプレットを受信するための前記処理回路と電気的に結合されている、請求項2に記載のトランザクションカード。
- 前記処理回路は、EMVプロトコルに従って前記ATMから1つまたは複数の信号としてア前記プレットを受信し、メモリの少なくとも一部に前記アプレットを格納させる、請求項3に記載のトランザクションカード。
- 前記処理回路は、
前記アプレットが暗号化されていることを決定し、
前記メモリから、前記アプレットを復号するための鍵を取得し、
前記検証署名が前記メモリに格納されている前記検証値の1つと一致するかどうかを決定する前に、復号操作を実行して、前記鍵を使用して前記アプレットを復号する、請求項1に記載のトランザクションカード。 - 前記メモリは、前記アプレットを含む1つまたは複数のアプレットを格納し、前記処理回路は、
前記ATMから前記1つまたは複数のアプレットのステータスの指示を提供する要求を受信し、
前記1つまたは複数のアプレットの前記ステータスの前記指示を前記ATMに提供し、
前記ATMに提供された前記ステータスの前記指示に基づいて前記アプレットを受信する、請求項1に記載のトランザクションカード。 - 前記トランザクションカードは、
近距離無線通信を検出できるアンテナと、
前記アンテナおよび前記処理回路と結合された近距離無線通信(NFC)インターフェースと、
前記要求を受信し、前記アンテナおよび前記NFCインターフェースを介して、NFCプロトコルに従って前記指示を提供する前記処理回路と、を備える、請求項6に記載のトランザクションカード。 - 前記アプレットは、前記メモリに格納された前記1つまたは複数のアプレットのうちの1つに対する更新アプレットであり、前記処理回路は、前記更新アプレットを検証し、前記メモリへの前記更新アプレットの格納を有効にして実行させ、前記メモリから前記アプレットの対応する古いバージョンを削除する、請求項6に記載のトランザクションカード。
- 前記アプレットは、前記メモリに格納するための新しいアプレットであり、前記処理回路は、前記新しいアプレットを検証し、前記メモリへの前記新しいアプレットの格納を有効にして実行させる、請求項6に記載のトランザクションカード。
- コンピューティングデバイスであって、
EMVデバイスと、
前記EMVデバイスと結合されたメモリであって、前記メモリは、命令を格納する、メモリと、
前記メモリおよび前記EMVデバイスと結合された処理回路と、を備え、
前記処理回路は、命令を実行するように動作可能であり、前記命令は、実行されると、前記処理回路に、
1つまたは複数のアプレットを備えるトランザクションカードを検出することと、
前記トランザクションカードのメモリ上の前記1つまたは複数のアプレットのステータスを決定することと、
前記1つまたは複数のアプレットの前記ステータスをサーバに提供することと、
前記1つまたは複数のアプレットの前記ステータスに基づいて前記サーバから前記アプレットを受信することと、
前記EMVデバイスを利用して、前記アプレットを前記トランザクションカードに提供することと、
を実行させる、コンピューティングデバイス。 - 前記EMVライタは、前記トランザクションカードの接触パッドの第2のセットと電気的に結合された第1のセットの接触パッドを備え、前記EMVライタは、接触パッドの前記第1および第2のセットを介して前記トランザクションカードと通信することによって、前記アプレットを前記トランザクションカードに提供する、請求項10に記載のコンピューティングデバイス。
- 前記処理回路は、前記EMVライタに1つまたは複数の信号を生成させて、EMVプロトコルに従って前記アプレットを前記トランザクションカードに提供させる、請求項11に記載のコンピューティングデバイス。
- 前記処理回路は、
前記サーバから受信した前記アプレットが暗号化されていることを決定し、
前記EMVライタを介して前記暗号化されたアプレットを前記トランザクションカードに通信させることにより、前記暗号化されたアプレットを前記トランザクションカードに提供する、請求項10に記載のコンピューティングデバイス。 - 前記処理回路は、
前記サーバから受信したときに前記アプレットが暗号化されていることを決定し、
前記メモリから鍵を取得し、
前記アプレットを前記トランザクションカードに提供する前に、前記鍵を使用して前記アプレットを復号する、請求項10に記載のコンピューティングデバイス。 - 前記処理回路は、
前記1つまたは複数のアプレットの前記ステータスの要求をトランザクションカードに送信し、
前記トランザクションカードから前記1つまたは複数のアプレットの前記ステータスを受信し、
前記1つまたは複数のアプレットの前記ステータスを前記サーバに送信し、
前記サーバからの前記ステータスに基づいて前記アプレットを受信し、
前記アプレットを前記トランザクションカードに提供する、請求項10に記載のコンピューティングデバイス。 - 前記処理回路は、近距離無線通信(NFC)プロトコルに従って前記要求を送信し、前記ステータスを受信する、請求項15に記載のコンピューティングデバイス。
- 前記アプレットは、前記トランザクションカードの前記メモリに格納された前記1つまたは複数のアプレットのうちの1つに対する更新アプレットである、請求項10に記載のコンピューティングデバイス。
- 前記アプレットは、前記トランザクションカードの前記メモリに格納するための新しいアプレットである、請求項10に記載のコンピューティングデバイス。
- コンピュータで実施される方法であって、
トランザクションカードの処理回路が、現金自動預け払い機(ATM)から、検証署名で署名されたアプレットを受信することであって、前記アプレットは、前記処理回路によって実行可能な命令を備え、前記トランザクションカードは、前記アプレットの受信を可能にするために前記ATMの対応する接触パッドに結合された接触パッドを備える、ことと、
前記処理回路が、前記検証署名がメモリに格納された複数の検証値のうちの1つと一致するかどうかを決定することと、
前記検証署名が前記検証値の1つと一致するという前記決定に応答して、前記処理回路による実行のための前記命令含む前記アプレットの有効化およびメモリへの前記アプレットの格納を引き起こすことと、
前記検証署名が前記検証値のいずれとも一致しないという前記決定に応答して、前記アプレットの破棄を引き起こすことと、
を含む、コンピュータで実施される方法。 - 前記非接触パッドの前記1つまたは複数の接触パッドは、前記ATMのEMVライタの前記1つまたは複数の対応する接触パッドと電気的に結合され、前記方法は、
EMVプロトコルに従って前記EMVライタを介して前記ATMから前記アプレットを受信すること、を含む、請求項19に記載のコンピュータで実施される方法。
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JP2023180442A JP2024012343A (ja) | 2019-07-03 | 2023-10-19 | アプレットプログラミングを実行するための技術 |
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US16/503,003 | 2019-07-03 | ||
US16/503,003 US10871958B1 (en) | 2019-07-03 | 2019-07-03 | Techniques to perform applet programming |
PCT/US2020/040466 WO2021003251A1 (en) | 2019-07-03 | 2020-07-01 | Techniques to perform applet programming |
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