JP4874251B2 - 動的認証コードを用いて取引を認証する方法及び装置 - Google Patents
動的認証コードを用いて取引を認証する方法及び装置 Download PDFInfo
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- JP4874251B2 JP4874251B2 JP2007528084A JP2007528084A JP4874251B2 JP 4874251 B2 JP4874251 B2 JP 4874251B2 JP 2007528084 A JP2007528084 A JP 2007528084A JP 2007528084 A JP2007528084 A JP 2007528084A JP 4874251 B2 JP4874251 B2 JP 4874251B2
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F15/00—Digital computers in general; Data processing equipment in general
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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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
-
- 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
-
- 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
Description
Claims (13)
- 認証データベース、認証プロセッサ、及び移動処理装置を用いて取引を認証する取引認証方法であって、
前記認証データベースにおいて口座秘密データを独自の金融口座識別子に関連させ、
前記認証データベースにおいて前記口座秘密データに関連したデータの少なくとも一部に基づいて個人化データを発生し、
前記認証データベースに接続された送信機によって、前記個人化データを前記独自の金融口座識別子を有しない移動処理装置に送信し、
前記移動処理装置によって、前記個人化データを受信及び記憶し、
前記移動処理装置によって、独自の金融口座識別子の入力を受け付け、
前記移動処理装置によって、前記個人化データと、前記移動処理装置に記憶されたトランザクションカウンタのビットの一部に基づいて所定の方法により動的認証コードを発生し、
前記移動処理装置によって、前記独自の金融口座識別子及び前記動的認証コードを含む認証要求を前記認証プロセッサに対して送信し、
前記認証プロセッサで、前記認証要求を受信するとともに、前記移動処理装置とは別個に動的識別コードを計算し、前記移動処理装置から受信した前記動的識別コードと計算した動的識別コードとを比較して、前記移動処理装置によって前記動的認証コードが発生したか否かを決定し、
前記決定するステップに応じて取引を認証することを特徴とする取引認証方法。 - 請求項1記載の取引認証方法において、識別PINの入力を前記移動処理装置によって促し、
前記動的認証コードを前記移動処理装置によって発生する前に、前記認証PINを前記移動処理装置によって確認することを特徴とする取引認証方法。 - 請求項1記載の取引認証方法において、前記口座秘密データを暗号鍵とすることを特徴とする取引認証方法。
- 請求項3記載の取引認証方法において、前記口座秘密データに関連した前記データを前記暗号鍵とすることを特徴とする取引認証方法。
- 請求項3記載の取引認証方法において、前記暗号鍵を秘密鍵とし、前記口座秘密データに関連する前記データを、前記秘密鍵に関連した公開鍵とすることを特徴とする取引認証方法。
- 請求項5記載の取引認証方法において、前記トランザクションカウンタのコピーが前記認証データベースで維持され、前記動的認証コードを発生するために用いられた前記トランザクションカウンタが前記トランザクションカウンタのコピーに整合するか否かを確かめるステップを更に具えることを特徴とする認証取引方法。
- 請求項5記載の取引認証方法において、前記動的認証コードが発生すると前記トランザクションカウンタを増分することを特徴とする認証取引方法。
- 少なくとも一つの独自の金融口座識別子及び前記金融口座識別子に関連した秘密口座データを有し、前記秘密口座データに関連したデータの少なくとも一部に基づく個人化データを生成する認証データベースと、
前記独自の金融口座識別子を記憶部に有さない、前記個人化データを受信して、該個人化データと前記移動処理装置に記憶されたトランザクションカウンタのビットの一部に基づいて動的認証コードを発生して、所定の入力により受け付けた前記独自の金融口座識別子と前記動的認証コードを含む認証要求を送信するための移動処理装置と、
前記認証データベースに接続され、前記個人化データを前記移動処理装置に送信する送信機と、
取引を認証するために、前記独自の口座識別子及び前記動的認証コードを含む認証要求を受信する受信機と、
前記認証データベースにおいて前記移動処理装置によって前記動的認証コードが発生したか否かを決定し、前記決定に応じて取引を認証する認証プロセッサとを具え、
前記認証プロセッサは、前記移動処理装置とは別個に動的識別コードを計算し、前記移動処理装置から受信した前記動的識別コードと比較して前記決定を行うことを特徴とする取引認証システム。 - 請求項8記載の取引認証システムにおいて、前記口座秘密データを暗号鍵としたことを特徴とする取引認証システム。
- 請求項8記載の取引認証システムにおいて、前記口座秘密データに関連した前記データを前記暗号鍵としたことを特徴とする取引認証システム。
- 請求項8記載の取引認証システムにおいて、前記暗号鍵を秘密鍵とし、前記口座秘密データに関連する前記データを、前記秘密鍵に関連した公開鍵としたことを特徴とする取引認証システム。
- 請求項11記載の取引認証システムにおいて、前記認証データベースが、前記トランザクションカウンタのコピーを更に有し、前記認証プロセッサが、前記動的認証コードを発生するために用いられた前記トランザクションカウンタが前記トランザクションカウンタのコピーに整合するか否かを確認することを特徴とする取引認証システム。
- 請求項11記載の取引認証システムにおいて、前記動的認証コードが発生すると前記トランザクションカウンタを増分することを特徴とする認証取引システム。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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US60259404P | 2004-08-18 | 2004-08-18 | |
US60/602,594 | 2004-08-18 | ||
PCT/US2005/029758 WO2006023839A2 (en) | 2004-08-18 | 2005-08-18 | Method and system for authorizing a transaction using a dynamic authorization code |
Publications (2)
Publication Number | Publication Date |
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JP2008511060A JP2008511060A (ja) | 2008-04-10 |
JP4874251B2 true JP4874251B2 (ja) | 2012-02-15 |
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JP2007528084A Active JP4874251B2 (ja) | 2004-08-18 | 2005-08-18 | 動的認証コードを用いて取引を認証する方法及び装置 |
Country Status (11)
Country | Link |
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US (1) | US9911121B2 (ja) |
EP (1) | EP1810243A4 (ja) |
JP (1) | JP4874251B2 (ja) |
KR (1) | KR101150241B1 (ja) |
CN (1) | CN101048794A (ja) |
AU (1) | AU2005277198A1 (ja) |
BR (1) | BRPI0514505A (ja) |
CA (1) | CA2577333C (ja) |
IL (1) | IL181343A0 (ja) |
WO (1) | WO2006023839A2 (ja) |
ZA (1) | ZA200702057B (ja) |
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ZA200702057B (en) | 2008-07-30 |
JP2008511060A (ja) | 2008-04-10 |
WO2006023839A2 (en) | 2006-03-02 |
US20080040285A1 (en) | 2008-02-14 |
WO2006023839A3 (en) | 2007-04-19 |
IL181343A0 (en) | 2007-07-04 |
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