JP4163515B2 - 対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム - Google Patents
対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム Download PDFInfo
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- JP4163515B2 JP4163515B2 JP2002584269A JP2002584269A JP4163515B2 JP 4163515 B2 JP4163515 B2 JP 4163515B2 JP 2002584269 A JP2002584269 A JP 2002584269A JP 2002584269 A JP2002584269 A JP 2002584269A JP 4163515 B2 JP4163515 B2 JP 4163515B2
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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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
- G06Q20/00—Payment architectures, schemes or protocols
- 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
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/00—Payment architectures, schemes or protocols
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
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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
- G06Q20/00—Payment architectures, schemes or protocols
- 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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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- 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
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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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
- H04L9/06—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for block-wise or stream coding, e.g. DES systems or RC4; Hash functions; Pseudorandom sequence generators
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
- H04M17/026—Constructional features
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/04—Key management, e.g. using generic bootstrapping architecture [GBA]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
- H04M2215/01—Details of billing arrangements
- H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- Technology Law (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Mobile Radio Communication Systems (AREA)
- Cash Registers Or Receiving Machines (AREA)
Description
他の先行技術としては、WO98/37524 A1に記載の携帯機器を用いた取引方法がある。これは、電話通信網に連結された端末機2と顧客との取引方法であって、少なくとも一つの顧客ID IDUI、端末機ID POSID及び取引明細データAが電話通信網に連結された金融サーバ4に伝送され、端末機IDが端末機から読み取られたり検出され電話通信網を通して金融サーバに伝送され、顧客は携帯機器に機能上連結できるSIMカードが提供され顧客端IDがSIMカードメモリから読み取られて金融サーバに伝送されるものである。
さらに他の先行技術としては、WO98/34203 A1に記載の携帯通信機を用いて金融取引を施す方法及び装置がある。これは、金融IDを示す、例えばクレジットまたは請求計算書またはデジタルマネーは一般のキーインクリプションシステムを用いてインクリプトし、無線または赤外線信号に応じて有効かつ迅速に伝送するものであり、購買取引のような取引に効果的な技術である。
さらに他の先行技術としては、WO00/49585 A1に記載の電話支払い方法及び該方法を行うシステムがある。この技術では、顧客機器はGSM―タイプのような携帯機器であり、顧客Cと販売者Mのところで取引間に存するゲートウェイPが顧客と販売者を認証し順調な実際支払いを確保し、顧客機器は銀行支払いカードとして動作することができるようになっている。
さらに他の先行技術としては、WO97/45814 A1に記載の遠隔購買支払い及び遠隔現金支払い取引及び電子現金及びその他の必須データの伝達のための実時間システム及び方法がある。これは、携帯電話を用いた電子支払い方法であって、バスなど大衆輸送手段のためのチケット購買または自販機から項目別に使うのに有用なものである。
を含む移動通信用商取引システムが提供される。
Claims (6)
- 光送受信機が取り付けられた個人携帯移動通信端末10に金融情報を入力する方法において、
(a)発行されるカードの顧客番号及び有効期限日を含む平文の金融情報D1と、該平文の金融情報を金融機関にて暗号化して得られる情報D2とを、カード発給ターミナルにて受信するステップと、
(b)カード発行申請時に、カード申請人から入力される前記移動通信端末10の電子財布管理番号K1及び電話番号MIN1を、カード発給ターミナルにて、受信するステップと、
(c)カード発給ターミナルにて、前記受信された顧客の電子財布管理番号K1を対称鍵として用いて、前記平文の金融情報D1を暗号化プログラムE1を実行させて暗号化しE1(D1)、前記金融機関で暗号化して得られた金融情報D2と前記受信された電話番号MIN1を暗号化プログラムE2を実行させてを暗号化しE2(D2+MINI)て情報M1=E1(D1)+E2(D2+MINI)とするステップと、
(d)カード発給ターミナルにて、前記暗号化された金融情報M1を、前記移動通信端末10に伝達して前記移動通信端末10に記憶させるステップと、を含む方法。 - 前記ステップ(b)は、
前記移動通信端末10が割当てられた電話番号MIN1を有していない場合には、電話番号MIN1の代わりにPDA(Personal Digital Assistant)に金融情報を入力する場合、機器識別番号を、カード発給ターミナルにて受信するサブステップを含んでいることを特徴とする請求項1に記載の方法。 - 前記ステップ(d)は、
ケーブルにより前記移動通信端末10に接続し、前記暗号化された金融情報M1を入力し記憶させるサブステップを含んでいることを特徴とする請求項1に記載の方法。 - 前記ステップ(d)は、
前記移動通信端末10の光送受信機により、前記暗号化された金融情報M1を光形式で入力し記憶させるサブステップを含んでいることを特徴とする請求項1に記載の方法。 - 前記ステップ(d)は、
前記暗号化された情報M1を前記移動通信端末10の電話番号MIN1と共にさらに暗号化し、該暗号化の結果を前記移動通信端末10に無線送信するサブステップを含んでいることを特徴とする請求項1に記載の方法。 - 前記移動通信端末10を交通カードとして使用するため、前記移動通信端末10で前記記憶された情報M1を復号化し、復号化された顧客番号及び有効期限日を含む平文の金融情報D1を、暗号化プログラムE3を実行させて暗号化し、これを記憶するステップ(e)をさらに含んでいることを特徴とする請求項1に記載の方法。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020010022391A KR100641824B1 (ko) | 2001-04-25 | 2001-04-25 | 대칭키 보안 알고리즘을 이용한 금융정보 입력방법 및 그이동통신용 상거래 시스템 |
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Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
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JP2008011505A Division JP2008192134A (ja) | 2001-04-25 | 2008-01-22 | 対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム |
Publications (2)
Publication Number | Publication Date |
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JP2004531816A JP2004531816A (ja) | 2004-10-14 |
JP4163515B2 true JP4163515B2 (ja) | 2008-10-08 |
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JP2002584269A Expired - Fee Related JP4163515B2 (ja) | 2001-04-25 | 2002-04-24 | 対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム |
JP2008011505A Pending JP2008192134A (ja) | 2001-04-25 | 2008-01-22 | 対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
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JP2008011505A Pending JP2008192134A (ja) | 2001-04-25 | 2008-01-22 | 対称鍵セキュリティアルゴリズムを用いた金融情報入力方法及び移動通信用商取引システム |
Country Status (6)
Country | Link |
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US (2) | US20040243496A1 (ja) |
EP (1) | EP1382021A1 (ja) |
JP (2) | JP4163515B2 (ja) |
KR (1) | KR100641824B1 (ja) |
CN (1) | CN1529876A (ja) |
WO (1) | WO2002086826A1 (ja) |
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2001
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- 2002-04-24 JP JP2002584269A patent/JP4163515B2/ja not_active Expired - Fee Related
- 2002-04-24 US US10/476,051 patent/US20040243496A1/en not_active Abandoned
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- 2008-06-26 US US12/146,992 patent/US20080249948A1/en not_active Abandoned
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US20080249948A1 (en) | 2008-10-09 |
JP2004531816A (ja) | 2004-10-14 |
KR20020082670A (ko) | 2002-10-31 |
KR100641824B1 (ko) | 2006-11-06 |
JP2008192134A (ja) | 2008-08-21 |
WO2002086826A1 (en) | 2002-10-31 |
WO2002086826A8 (en) | 2003-01-09 |
EP1382021A1 (en) | 2004-01-21 |
CN1529876A (zh) | 2004-09-15 |
US20040243496A1 (en) | 2004-12-02 |
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