JP4469376B2 - 移動電話、移動電話を用いてキャッシュレス取引を行うための方法及びコンピュータシステム - Google Patents
移動電話、移動電話を用いてキャッシュレス取引を行うための方法及びコンピュータシステム Download PDFInfo
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- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
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Description
インターネット<www.mobiletransaction.org>,January 5,2005
1.パーソントゥパーソンペイメント(個人間支払):顧客は他の顧客と支払について彼らの移動装置を用いて直接的に同意することができる。
1.パーソナルコンピュータ102のようなコンピュータ装置を利用してユーザがプロバイダ122のウェブサイトにログインした後に、その人の移動電話を用いる支払用オプションが提示され、ユーザに或るウェブページが示され、移動電話キャッシュレス金銭支払に使用される移動電話の電話番号が問われる。
o 認証:契約者及び確認者は、契約グループが整合しているように互いに認証される;
o 匿名性:契約者は互いに匿名のまま残され、個人的な及び/又は他のアカウント関連情報は他者にさらされない;
o 契約内容の保護:契約は私的(プライベート)に維持され、不正改ざん耐性、再生不可能性及び強固な否認防止性がもたらされる。特に、連続的に変わる、時間に依存する、装置固有のキーが見解の暗号化に使用される。
o DIDc:デバイスID、支払人のUPTD装置106(顧客(c)又はソース取引者)に固有の識別子。
K=H(F(PIE,RSN))
メッセージダイジェスト関数は見解のMDを生成するために契約データ、DIDm及びDIDcに適用可能である。誰もどんな方法ででも見解402の内容を改ざん又は修正できないことを保証することで、MDはセキュリティを更に強化する。暗号鍵Kと共に暗号化アルゴリズムはMD、契約データ、DIDc及びDIDmに適用され、基礎出願の図4で黄色で示されているように見解402の暗号化テキスト部分を生成する。更なるプロテクションのために、SASプロトコルはランダムメッセージパディングを利用し、「既知テキスト」攻略(known-text attack)を更に防ぐ。ここで説明される実施形態によれば、実施例は、暗号化にアドバンストエンクリプションスタンダード(AES: Advanced Encryption Standard)を、乱数生成にキーハッシュメッセージ認証(HMAC: Keyed-Hashing for Message Authentication)ベースの手法を、ハッシュ関数にSHA1セキュアハッシュアルゴリズムを使用する。
新たなUPTDアカウントがSTSにより作成される場合に、RSNcの初期化データが作成される(例えば、実行可能なコード108は図1Aの処理110でSTS120によって作成される。)。具体的には:
1.ランダムな128ビットシードがソフトウエアサービス関数を用いて生成される。
1.160ビットの現在のタイムスタンプが次のようにして生成される:
a.現在の時間を文字列に変換する。例えば、現在の時間を16字の文字列に変換する。例えば2004年1月26日5:04pmは、「0000170401262004」と書かれる。
Claims (30)
- 移動電話網においてセキュア取引サーバ(STS)に通信可能に接続された移動電話を利用してキャッシュレス取引を行うための方法であって、
前記STSが、初期タイムスタンプ及び/又は初期ランダムシードナンバーを含むソフトウエア認証パラメータを利用して該ソフトウエア認証パラメータに基づく認証移動支払ソフトウエアを用意するために移動支払ソフトウエアを初期化するステップと、
前記STSが、個人識別エントリ(PIE)及び前記認証移動支払ソフトウエアを対応付けるステップと、
前記移動電話が、前記認証移動支払ソフトウエアを実行し、前記認証移動支払ソフトウエアに対するPIEをユーザが入力することを促すステップと、
前記移動電話が、入力されたPIE及びソフトウエア認証パラメータに応じて、取引メッセージ各々に対して異なる可変暗号鍵を生成し、前記移動電話網を介して行われる認証可能な移動電話のキャッシュレス金融取引の取引メッセージを暗号化するステップと、
を有し、前記取引メッセージ各々について、取引のランダムシーケンスナンバーが、前記認証支払ソフトウエアの前記ソフトウエア認証パラメータに基づいて生成され、前記可変暗号鍵は、前記ソフトウエア認証パラメータに基づいて生成された取引のランダムシーケンスナンバー及び前記ユーザが入力したPIEの双方に基づいて生成される、方法。 - 移動電話のアプリケーションプラットフォームに従って認証移動支払ソフトウエアを実行するステップ
を更に有することを特徴とする請求項1記載の方法。 - ジャバ2プラットフォームマイクロエディション(J2ME)及び/又は無線用バイナリランタイム環境(BREW)に従って認証移動支払ソフトウエアを実行するステップ
を更に有することを特徴とする請求項1記載の方法。 - 認証移動支払ソフトウエアに対する前記移動電話用のダウンロードリンクを提示すること、及び
前記ダウンロードリンクを介して前記移動電話に前記認証移動支払ソフトウエアをダウンロードすることで、認証移動支払ソフトウエアのインストールを実行すること
に基づいて、コンピュータ装置が、前記移動電話において前記認証移動支払ソフトウエアをインストールする、
ことを特徴とする請求項1記載の方法。 - 認証移動支払ソフトウエアのダウンロードリンクが、ショート/マルチメディアメッセージサービスにより前記移動電話に伝えられる
ことを特徴とする請求項4記載の方法。 - 前記移動電話の認証キャッシュレス金融取引が、ユニバーサルパーバシブ取引フレームワークセキュアアグリーメントサブミッション(UPTF SAS)プロトコルに従って実行される
ことを特徴とする請求項1記載の方法。 - 移動電話の認証キャッシュレス金融取引が、ユニバーサルパーバシブ取引フレームワークセキュアアグリーメントサブミッション(UPTF SAS)プロトコルに従って実行され、
認証移動支払ソフトウエアを初期化するステップが、
コンピュータ装置において前記ユーザに移動電話用のキャッシュレス金融取引の起動リンクを提示するステップと、
該起動リンクを介してユーザの移動電話の電話番号を登録するステップと、
登録された移動電話の電話番号を前記STSに送信に伝送するステップと、
前記ソフトウエア認証パラメータを含む実行可能な移動支払ソフトウエアを、認証移動支払ソフトウエアとして生成するステップと、
前記認証移動支払ソフトウエアに関連付けられるPIEを前記STSにおいて生成するステップと、
を有し、認証移動支払ソフトウエアのダウンロードリンクのインストールが、
登録された移動電話番号を用いて、前記STSが、認証移動支払ソフトウエアに対するダウンロードリンクを、ショート/マルチメディアメッセージサービスを介して移動電話ユーザに伝送するステップと、
前記ダウンロードリンクを介して移動電話に認証移動支払ソフトウエアをダウンロードすることで、認証移動支払ソフトウエアのインストールを実行するステップと、
前記STSが前記PIEをユーザに提供するステップと、
を有することを特徴とする請求項1記載の方法。 - 抽象化され登録されたユーザの金融機関情報を前記STSが認証移動支払ソフトウエアに関連付けるステップと、
前記移動電話が、前記移動電話網を介して取引者のソフトウエアアプリケーションにアクセスすることで、認証移動支払ソフトウエアを取引者の取引情報に関連付けるステップと、
前記STSが、認証移動支払ソフトウエアに関連付けられたユーザの登録済み金融機関に対応する選択可能な抽象化された識別子のリストを、前記移動電話に送信することで提示するステップと、
移動電話の識別子、取引者の識別子及び取引の識別子を有する暗号化された取引メッセージを前記STSとやり取りすることで、前記移動電話が、取引者とのキャッシュレス金融取引を実行し、ユーザの金融機関による支払手続を進めるステップと、
を更に有することを特徴とする請求項1記載の方法。 - 前記ユーザ及び前記プロバイダ間の商取引を行うのに必要な第1及び第2取引メッセージのうち、前記移動電話が前記認証移動支払ソフトウエアを使用して第1取引メッセージを生成して前記STSに送信するステップと、
前記STSが、前記移動電話から受信した前記第1取引メッセージと、前記プロバイダから受信した前記第2取引メッセージとを照合し、商取引の実行を許可するステップと
を有することを特徴とする請求項6記載の方法。 - 第1及び第2見解が対称的であり、第1見解用の第1移動電話の識別子及び現在のタイムスタンプを有する暗号化されてない認知可能部分と、取引の日付、第1移動電話の識別子及び第2見解の第2装置の識別子を有する取引メッセージを、前記可変暗号鍵により暗号化することで暗号化された部分とが、各自独立の取引の見解として生成されている、ことを特徴とする請求項9記載の方法。
- 第1及び第2見解が対称的であり、第1見解用の第1移動電話の識別子及び現在のタイムスタンプを有する暗号化されてない認知可能部分と、取引の日付、第1移動電話の識別子及び第2見解の第2装置の識別子を有する取引メッセージを、前記可変暗号鍵により暗号化することで暗号化された部分とが、各自独立の取引の見解として生成されている、ことを特徴とする請求項6記載の方法。
- 暗号鍵の生成が、
現在のタイムスタンプを生成するステップと、
現在のタイムスタンプ値及び初期タイムスタンプ間の時間差値を判定するステップと、
初期ランダムシードナンバー及び/又は前記時間差値に基づいて、キーハッシュメッセージ認証(HMAC)結果を算出し、取引のランダムシーケンスナンバーを生成するステップと、
取引のランダムシーケンスナンバーのHMAC結果から或るビットを選択し、選択されたビットとPIEを結合するステップと、
結合されたもののハッシュ値を算出するステップと、
ハッシュ値の或るビットを選択し、暗号鍵を生成するステップと、
を更に有することを特徴とする請求項1記載の方法。 - 前記或るビット数が128である
ことを特徴とする請求項12記載の方法。 - オンライン支払システムが、移動電話のキャッシュレス金融取引の実行リンクを、ユーザとしてのオンライン支払いシステムのメンバに提供し、ユーザの移動電話ワイヤレスワレットを用いてパーソントゥパーソンの移動電話の認証キャッシュレス金融取引を行う
ことを特徴とする請求項1記載の方法。 - パーソントゥパーソン支払、パーソントゥパーソン取引、他者から要求されている未処理支払、設定又はそれらの組み合わせによる選択可能なメニュー項目を提示するグラフィカルユーザインターフェースをユーザの移動電話で表示するステップと、
パーソントゥパーソン支払又は未処理支払要求メニュー項目が選択された場合、取引者の移動電話番号、電子メールアドレス又はそれらの組み合わせを含む入力を受け入れるグラフィカルユーザインターフェースを表示するステップと、
移動電話番号及び/又は取引者の電子メールアドレス及びPIEの入力時に、移動電話ユーザの移動電話ワイヤレスワレットを用いて、移動電話のキャッシュレス金融取引を取引者と共に実行するステップと、
を更に有することを特徴とする請求項14記載の方法。 - 入力の受け入れが、取引を実行するために、移動電話ユーザの過去に登録済みの抽象化された金融口座参照識別子を受け入れるステップ
を更に有することを特徴とする請求項15記載の方法。 - 移動電話の認証キャッシュレス金融取引が、ユニバーサルパーバシブ取引フレームワークセキュアアグリーメントサブミッション(UPTF SAS)プロトコルに従って実行され、当該方法が、
ユーザの抽象化された金融機関情報をSTSにて認証移動支払ソフトウエアに関連付けるステップと、
ユーザ移動電話ワイヤレスワレットを用いてパーソントゥパーソンの移動電話を用いたUPTFによる認証キャッシュレス金融取引を実行するステップと、
を更に有することを特徴とする請求項1記載の方法。 - PIEが5文字以下の英数字文字列である
ことを特徴とする請求項1記載の方法。 - ハイパーテキストトランスファープロトコル(HTTP)、ソケットベース通信及び/又はウェブサービスコールに従う移動電話通信網で移動電話の認証キャッシュレスの取引メッセージを送信するステップ
を更に有することを特徴とする請求項6記載の方法。 - 移動電話のキャッシュレス金融取引の実行が、
移動電話の表示スクリーンで表示可能なバーコード画像を、実行された移動電話のキャッシュレス金融取引及び/又は他の取引のレシート又はレシート関連情報として受信するステップと、
移動電話の表示スクリーンにバーコード画像を表示するステップと、
取引者の物理的なサービスポイントで、取引者による取引管理用に、表示されたバーコード画像を読み取るステップと、
を更に有することを特徴とする請求項8記載の方法。 - パーソントゥパーソンの移動電話を用いたUPTFによる認証キャッシュレス金融取引が、或る者に支払を送信し、他者からの支払いを要求し、他者からの未処理の支払要求を検査し、取引の記録を検索及び保存すること又はそれらの組み合わせを含む、
ことを特徴とする請求項17記載の方法。 - 移動電話における認証移動支払ソフトウエアのインストールが、認証移動支払ソフトウエアを移動電話にダウンロードし、認証移動支払ソフトウエアを移動電話のインストール可能なコンピュータ読み取り可能な媒体に格納し、認証移動支払ソフトウエアを移動電話に組み込まれたコンピュータ読み取り可能な媒体に格納すること、又はそれらの組み合わせを含む
ことを特徴とする請求項1記載の方法。 - ユーザへのPIEの提供が、第三者を介してユーザにPIEをイメージとして伝送することで行われる
ことを特徴とする請求項7記載の方法。 - バーコード画像の取引レシートを移動電話に格納するステップ
を更に有することを特徴とする請求項20記載の方法。 - 着信音、ゲーム、ディジタル/メディアコンテンツ、ソフトウエア若しくはそれらの組み合わせ、及び/又はそれらの何れかに対するクレジットを含む移動電話コンテンツを自動ダウンロートすることで、移動電話のワイヤレスワレットの取引に報償を与えるステップ
を更に有することを特徴とする請求項1記載の方法。 - ショート/マルチメディアメッセージサービス、電子メール、及び/又は音声メッセージを用いて、移動電話のユーザに、移動電話を用いたUPTFによる認証キャッシュレス金融取引のステータスを通知するステップ
を更に有することを特徴とする請求項21記載の方法。 - 取引レシート情報を含む、ショート/マルチメディアメッセージサービス、電子メール、及び/又は音声メッセージを用いて、移動電話のユーザに、移動電話を用いたUPTFによる認証キャッシュレス金融取引のステータスを通知するステップ
を更に有することを特徴とする請求項20記載の方法。 - PIEが5文字以下の英数字文字列である
を更に有することを特徴とする請求項17記載の方法。 - セキュア取引サーバ(STS)においてソフトウエア認証パラメータにより初期化され、認証移動支払ソフトウエアとして個人識別入力(PIE)に関連付けられた移動支払ソフトウエアを格納するコンピュータ読み取り可能な媒体と、
プログラムされたコンピュータプロセッサと、
を有し、前記プログラムされたコンピュータプロセッサは、
ユーザによるPIEの入力を促すこと及び
PIE及びソフトウエア認証パラメータの双方に従って、移動電話ユーザの移動電話ワイヤレスワレットとして、移動電話網上で行われる認証可能な移動電話のキャッシュレス金融取引を行うための取引メッセージを暗号化する可変暗号鍵を生成すること
を有するプロセスに従って移動電話を制御する認証移動支払ソフトウエアを実行する
ことを特徴とする移動電話。 - プログラムされたコンピュータに制御されるコンピュータサーバと、移動電話網により前記サーバと通信する移動電話とを有するコンピュータシステムであって、前記コンピュータは、
初期タイムスタンプ及び/又は初期ランダムシードナンバーを含むソフトウエア認証パラメータを利用して該ソフトウエア認証パラメータに基づく認証移動支払ソフトウエアを用意するために移動支払ソフトウエアを初期化すること、
秘密に保護される個人識別入力(PIE)を生成すること、
PIE及び認証移動支払ソフトウエア間に秘密に保護される関連性を形成すること、及び
オンライン購入インターフェースを提供すること
を含むプロトコルに従って前記サーバを制御し、前記移動電話は、
認証移動支払ソフトウエアを格納するコンピュータ読み取り可能な媒体と、
移動電話を制御する認証移動支払ソフトウエアを実行するコンピュータプロセッサと、
を有し、前記コンピュータプロセッサは、
オンライン購入インターフェースにより、仮想ショッピングカートを生成し、
PIEを入力するようユーザを促し、
仮想ショッピングカートに基づいて、PIE及びソフトウエア認証パラメータに従って、認証可能な移動電話のキャッシュレス金融取引を行うための取引メッセージを暗号化する可変暗号鍵を、取引メッセージ各々について生成し、
移動電話網を介して、移動電話のキャッシュレス金融取引の暗号化された認証メッセージをコンピュータサーバに送信し、取引を実行し、
前記取引メッセージ各々について、取引のランダムシーケンスナンバーが、前記認証支払ソフトウエアの前記ソフトウエア認証パラメータに基づいて生成され、前記可変暗号鍵は、前記ソフトウエア認証パラメータに基づいて生成された取引のランダムシーケンスナンバー及び前記ユーザが入力したPIEの双方に基づいて生成される、ことを特徴とするコンピュータシステム。
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2005
- 2005-01-31 US US11/045,484 patent/US7822688B2/en not_active Expired - Fee Related
- 2005-02-10 WO PCT/US2005/004049 patent/WO2005079254A2/en active Application Filing
- 2005-02-10 EP EP05722854A patent/EP1723593A4/en not_active Withdrawn
- 2005-02-10 KR KR1020067019071A patent/KR100860628B1/ko not_active IP Right Cessation
- 2005-02-10 JP JP2006554126A patent/JP4469376B2/ja active Active
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US20050187873A1 (en) | 2005-08-25 |
EP1723593A2 (en) | 2006-11-22 |
JP2007527062A (ja) | 2007-09-20 |
WO2005079254A3 (en) | 2005-11-17 |
KR100860628B1 (ko) | 2008-09-29 |
US7822688B2 (en) | 2010-10-26 |
WO2005079254A2 (en) | 2005-09-01 |
KR20060114032A (ko) | 2006-11-03 |
EP1723593A4 (en) | 2011-12-07 |
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