JP5407104B2 - 物理的posトランザクションのための方法及び装置 - Google Patents
物理的posトランザクションのための方法及び装置 Download PDFInfo
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- JP5407104B2 JP5407104B2 JP2006208923A JP2006208923A JP5407104B2 JP 5407104 B2 JP5407104 B2 JP 5407104B2 JP 2006208923 A JP2006208923 A JP 2006208923A JP 2006208923 A JP2006208923 A JP 2006208923A JP 5407104 B2 JP5407104 B2 JP 5407104B2
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- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
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- 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
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Description
(1)画像、
(2)音声信号、
(3)近距離無線接続技術(例えば、限定ではないが、WiFi、ブルートゥース、無線周波数識別(RFID)又はスマートカードのような近距離RF信号、近接通信(NFC: Near Field Communication)信号でもよく又はそれらの如何なる組み合わせでもよい)又は
(4)上記の如何なる通信でもよい。
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、装置固有のキーが各見解の暗号化に使用される。
DIDc:デバイスID、モバイルPOS104(ユーザ顧客(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。本実施例によれば、MD410は図3に示されるように短縮されたUPTFSAS契約データにハッシュ関数を適用することで生成される。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3で桃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。
新たな認証モバイルPOSサービスアカウントが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、モバイルPOS109がSTS120により作成又は初期化される。)。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。
(1)メッセージパディングの所定部分を利用し、及び/又は
(2)STSの応答中の(その応答のトランザクションコンテンツ中の)新たなシードを装置103,104に含めることである。
通信手段:いくつかの通信手段がこれらの方法により使用される。これらは大まかに「ローカル通信」(短距離通信210)及び「リモート通信」に分けられる。
1.何らかのタイプのバーコードのようなイメージ及びPOS103及び/又は移動POS104における、そのスキャナ、カメラ、スキャナ又はそれらの何らかの組み合わせ。一実施例によれば、バーコードシステムは2次元バーコードを処理可能である。
1.ショートメッセージサービス(SMS)、マルチメディアメッセージサービス(MMS)。
1.完全なUPTFメッセージはトランザクション認証メッセージとして使用される。
テーブル1:
図13−16にて、アクション1−3はPOS102により表示される情報に関する。
セキュアトランザクションサーバ(STS)を用意するステップと、
STSの第1の認証パラメータに従って認証ポイントオブセール(POS)装置を用意するステップと、
STSの第2の認証パラメータに従って認証モバイル購入装置を用意するステップと、
POS装置及びモバイル購入装置間でショートレンジ通信手段を用意するステップと、
STSパーソナル識別エントリ(PIE)及び認証モバイル購入装置を関連付けるステップと、
POS装置により、時変変換セキュアPOS認証POS購入アクションをSTSに送信するステップと、
ユーザによりPIEを認証モバイル購入装置に入力し、時変変換セキュアユーザ認証POS購入アクションをショートレンジ通信を介してPOS装置に送信するステップと、
認証POS装置に従って、及び認証モバイル購入装置及びPIEと認証モバイル購入装置とのSTS関連性に従って、STSにより、POS装置及び認証モバイル購入装置のPOS購入アクションを認証するステップと、
を有することを特徴とする方法。
前記ショートレンジ通信は、イメージ、音声、無線通信接続技術又はこれらの組み合わせの1以上を含む
ことを特徴とする付記1記載の方法。
POS購入アクションが、POS識別子又は購入トランザクション識別子である
ことを特徴とする付記1記載の方法。
POS購入アクションが、購入に関する単独のユーザの確認である
ことを特徴とする付記1記載の方法。
STSに対する変換セキュアユーザ認証POS購入アクション及び変換セキュアPOS認証POS購入アクションを、ユニバーサルパーバシブトランザクションフレームワーク(UPTF SAS)プロトコルに従って生成するステップ
を更に有することを特徴とする付記1記載の方法。
POS購入アクションがモバイル購入装置識別子を含み、当該方法は、POS装置により、移動購入装置識別子及びPOS識別子、トランザクション識別子又は単独の購入仕様のメッセージダイジェストを算出し、ショートレンジ通信を介してメッセージダイジェストをPOS装置に送信するステップを更に有する
ことを特徴とする付記5記載の方法。
ショートレンジ通信を介するPOS装置により、モバイル購入装置へのPOS購入アクションを送信するステップ
を更に有することを特徴とする付記1記載の方法。
POS購入アクションが、商品及び/又はサービスの支払を区別する
ことを特徴とする付記1記載の方法。
ショートレンジ通信、マルチメディアメッセージサービス又はそれらの組み合わせを介して、モバイルPOS装置により、変換セキュアユーザ認証POS認証アクションをSTSに送信するステップ
を更に有することを特徴とする付記1記載の方法。
ネットワークを介して、POS装置により、変換セキュアユーザ認証POS購入アクション及び変換セキュアPOS認証POS購入アクションを、POS購入アクションの認証用にSTSに送信するステップ
を更に有することを特徴とする付記1記載の方法。
認証は、変換セキュアユーザ認証POS購入アクション及び変換セキュアPOS認証POS購入アクション間の一致を確認することを含む
ことを特徴とする付記10記載の方法。
認証は、STSにより、POS購入アクションに関するPOSへの支払を設定することを含む
ことを特徴とする付記1記載の方法。
認証は、ショートメッセージサービス、マルチメディアメッセージサービス又はそれらの組み合わせを介して、POSレシートをモバイル購入装置に送信することをと含む
ことを特徴とする付記11記載の方法。
POS装置が認証モバイルPOS装置であり、当該方法が、
STSにより、POS個人識別エントリ(PIE)及びモバイルPOS装置を関連付けるステップと、
別のユーザにより、POSPIE及びPOSアクションをモバイルPOS装置に入力し、時変変換セキュアPOS認証POSアクションをSTSに送信するステップと、
POSPIE及び認証モバイルPOS装置のSTS関連性に従って並びにPIE及び認証モバイル購入装置のSTS関連性に従って、STSにより、モバイルPOS装置のPOSアクション及びモバイル購入装置のPOS購入アクションを承認するステップと、
を更に有することを特徴とする付記1記載の方法。
前記ショートレンジ通信としてのイメージが、POS装置及び/又はモバイル購入装置における、バーコードシステム、カメラシステム又はそれらの組み合わせの如何なるタイプから構成されてよい
ことを特徴とする付記2記載の方法。
前記バーコードシステムが、2次元バーコードを処理する
ことを特徴とする付記15記載の方法。
前記ショートレンジ通信としての音声が、POS装置及び/又はモバイル購入装置の認識装置における、デュアルトーンマルチ周波数トーン、音声又はそれらの組み合わせの如何なる出力音声信号でもよい
ことを特徴とする付記2記載の方法。
前記ショートレンジ通信としての無線周波数(RF)が、POS装置及び/又はモバイル購入装置における、無線周波数識別子(RFID)、ブルートゥース、WLAN、ニアフィールド通信(NFC)又はそれらの組み合わせの1以上を含む如何なるタイプの無線通信接続技術によるものでよい
ことを特徴とする付記2記載の方法。
モバイル購入装置が、RFID及び/又はNFCを、装置回路と共に統合されるように又はモバイル購入装置回路とは別のモバイル購入装置に取り付けられるように含む
ことを特徴とする付記18記載の方法。
第1及び第2認証パラメータ各々が、メッセージ毎に設定可能な時変生成乱数である
ことを特徴とする付記1記載の方法。
セキュアトランザクションサーバ(STS)と、
STSの第1の認証パラメータに従う、STSと通信可能に接続される認証ポイントオブセール(POS)装置と、
STSの第2の認証パラメータに従う、ショートレンジ通信を介して認証POS装置と通信可能に接続される認証モバイル購入装置と、
を有し、前記認証POS装置は、時変変換セキュアPOS認証POS購入アクションをSTSに送信し、
STSは、パーソナル識別エントリ(PIE)及び認証モバイル購入装置を関連付け、
認証モバイル購入装置が、PIE及びPOS購入アクションを受信し、POS装置及びモバイル購入装置間でショートレンジ通信を介して、時変変換セキュアユーザ認証POS購入アクションをPOS装置に送信し、
認証POS装置に従って並びに認証モバイル購入装置及びPIEと認証モバイル購入装置とのSTS関連性に従って、STSが、POS装置及び認証モバイル購入装置のPOS購入アクションを認証する
ことを特徴とする装置。
前記ショートレンジ通信は、イメージ、音声、無線通信接続技術又はこれらの組み合わせの1以上を含む
ことを特徴とする付記1記載の方法。
セキュアトランザクションサーバ(STS)と、
STSの第1の認証パラメータに従う、STSと通信可能に接続される認証ポイントオブセール(POS)装置と、
取り付けられた無線周波数識別タグを有する、STSの第2の認証パラメータに従う、認証POS装置と通信可能に接続される認証モバイル購入装置と、
を有し、前記認証POS装置は、時変変換セキュアPOS認証POS購入アクションをSTSに送信し、
STSは、パーソナル識別エントリ(PIE)及び認証モバイル購入装置を関連付け、
認証モバイル購入装置が、PIE及びPOS購入アクションを受信し、移動電話ネットワーク、ショートメッセージサービス又はマルチメディアメッセージサービス又はそれらの如何なる組み合わせでもよいものを介して、時変変換セキュアユーザ認証POS購入アクションをSTSに送信し、
認証POS装置に従って並びに認証モバイル購入装置及びPIEと認証モバイル購入装置とのSTS関連性に従って、STSが、POS装置及び認証モバイル購入装置のPOS購入アクションを認証する
ことを特徴とする装置。
認証ポイントオブセール(POS)装置を用意する手段と、
認証モバイル購入装置を用意する手段と、
時変POS購入アクションを認証POS装置に送信するための認証POS装置及び認証モバイル購入装置間のショートレンジ通信手段と、
時変POS購入アクションを受信し、認証POS装置及び認証モバイル購入装置に従って、POS装置及びモバイル購入装置の時変POS購入アクションを認証及び確認する手段と、
を有することを特徴とする装置。
102 ユーザ
103 POS
104 モバイル装置
106 プロバイダ
109 モバイルPOSアプリケーション
120 セキュアトランザクションサーバ
203 データベース
Claims (5)
- セキュアトランザクションサーバ(STS)を用意するステップと、
STSによって初期化された第1の時間依存乱数生成用パラメータをポイントオブセール(POS)装置に備えさせるステップと、
STSによって初期化された第2の時間依存乱数生成用パラメータをモバイル購入装置に備えさせるステップと、
POS装置及びモバイル購入装置間でショートレンジ通信手段を用意するステップと、
STSによってパーソナル識別エントリ(PIE)及びモバイル購入装置を関連付けるステップと、
POS装置により、POS装置の時変セキュアPOS購入アクションをSTSに送信するステップであって、前記POS装置の時変セキュアPOS購入アクションは、前記POS装置にとっての購入アクション情報を、前記第1の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものである、ステップと、
ユーザによりPIEをモバイル購入装置に入力し、ユーザの時変セキュアPOS購入アクションをショートレンジ通信を介してPOS装置に送信するステップであって、前記ユーザの時変セキュアPOS購入アクションは、前記モバイル購入装置にとっての購入アクション情報を、前記第2の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものである、ステップと、
STSにより、前記POS装置の購入アクション情報と前記モバイル購入装置の購入アクション情報の合致に基づいて前記POS装置及び前記モバイル購入装置の購入アクション情報を承認するステップであって、PIEと前記モバイル購入装置との関連付けに従って、前記ユーザの時変セキュアPOS購入アクションから前記モバイル購入装置の購入アクション情報を取り出すことを含む、ステップと、
を有し、
前記ショートレンジ通信が音声によるものであり、該音声が、POS装置及び/又はモバイル購入装置の認識装置における、デュアルトーンマルチ周波数トーン、音声又はそれらの組み合わせの如何なる出力音声信号でもよい、
方法。 - 前記POS装置がモバイルPOS装置であり、当該方法が、
STSにより、POS個人識別エントリ(PIE)及びモバイルPOS装置を関連付けるステップと、
別のユーザにより、POSPIE及び購入アクション情報を前記モバイルPOS装置に入力し、それに基づいて前記POS装置の時変セキュアPOS購入アクションをSTSに送信するステップとを更に有し、
購入アクション情報を承認する前記ステップが更に、前記POSPIEと前記モバイルPOS装置との関連付けに従って、前記POS装置の時変セキュアPOS購入アクションから前記モバイルPOS装置の購入アクション情報を取り出すことを含む、
請求項1記載の方法。 - セキュアトランザクションサーバ(STS)と、
STSによって初期化された第1の時間依存乱数生成用パラメータを備える、STSと通信可能に接続されるポイントオブセール(POS)装置と、
STSによって初期化された第2の時間依存乱数生成用パラメータを備える、ショートレンジ通信を介してPOS装置と通信可能に接続されるモバイル購入装置と、
を有する装置であって、前記POS装置は、POS装置の時変セキュアPOS購入アクションをSTSに送信し、前記POS装置の時変セキュアPOS購入アクションは、前記POS装置にとっての購入アクション情報を、前記第1の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものであり、
STSは、パーソナル識別エントリ(PIE)及びモバイル購入装置を関連付け、
モバイル購入装置が、PIE及び購入アクション情報を受信し、POS装置及びモバイル購入装置間でショートレンジ通信を介して、ユーザの時変セキュアPOS購入アクションをPOS装置に送信し、前記ユーザの時変セキュアPOS購入アクションは、前記モバイル購入装置にとっての購入アクション情報を、前記第2の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものであり、
STSが、前記POS装置のPOS購入アクションと前記モバイル購入装置の購入アクション情報の合致に基づいて前記POS装置及び前記モバイル購入装置の購入アクション情報を認証するよう構成されており、STSはPIEと前記モバイル購入装置との関連付けに従って、前記ユーザの時変セキュアPOS購入アクションから前記モバイル購入装置の購入アクション情報を取り出すようさらに構成されており、
前記ショートレンジ通信が音声によるものであり、該音声が、POS装置及び/又はモバイル購入装置の認識装置における、デュアルトーンマルチ周波数トーン、音声又はそれらの組み合わせの如何なる出力音声信号でもよい、
ことを特徴とする装置。 - セキュアトランザクションサーバ(STS)と、
STSによって初期化された第1の時間依存乱数生成用パラメータを備える、STSと通信可能に接続されるポイントオブセール(POS)装置と、
取り付けられた無線周波数識別タグを有する、STSによって初期化された第2の時間依存乱数生成用パラメータを備える、POS装置と通信可能に接続されるモバイル購入装置と、
を有する装置であって、前記POS装置は、ショートレンジ通信を介して前記モバイル購入装置にトランザクションID、金額及びPOSIDを含む情報を送信し、前記POS装置は、POS装置の時変セキュアPOS購入アクションをSTSに送信し、前記POS装置の時変セキュアPOS購入アクションは、前記POS装置にとっての購入アクション情報を、前記第1の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものであり、
STSは、パーソナル識別エントリ(PIE)及びモバイル購入装置を関連付け、
モバイル購入装置が、PIE及び購入アクション情報を受信し、移動電話ネットワーク、ショートメッセージサービス又はマルチメディアメッセージサービス又はそれらの如何なる組み合わせでもよいものを介して、ユーザの時変セキュアPOS購入アクションをSTSに送信し、前記ユーザの時変セキュアPOS購入アクションは、前記モバイル購入装置にとっての購入アクション情報を、前記第2の時間依存乱数生成用パラメータおよび時刻情報に基づいて生成された乱数を使って保護したものであり、
STSが、前記POS装置の購入アクション情報と前記モバイル購入装置の購入アクション情報の合致に基づいて前記POS装置及び前記モバイル購入装置の購入アクション情報を認証するよう構成されており、STSはPIEと前記モバイル購入装置との関連付けに従って、前記ユーザの時変セキュアPOS購入アクションから前記モバイル購入装置の購入アクション情報を取り出すようさらに構成されており、
前記ショートレンジ通信が音声によるものであり、該音声が、POS装置及び/又はモバイル購入装置の認識装置における、デュアルトーンマルチ周波数トーン、音声又はそれらの組み合わせの如何なる出力音声信号でもよい、
ことを特徴とする装置。 - ポイントオブセール(POS)装置を用意する手段と、
モバイル購入装置を用意する手段と、
時変セキュアPOS購入アクションをPOS装置に送信するためのPOS装置及びモバイル購入装置間のショートレンジ通信手段であって、前記時変セキュアPOS購入アクションは、購入アクション情報を時間依存乱数を使って保護したものである、手段と、
前記時変セキュアPOS購入アクションを受信し、前記POS装置及び前記モバイル購入装置の購入アクション情報の合致に基づいて、前記POS装置及び前記モバイル購入装置の購入アクション情報を認証及び確認する手段と、
を有しており、
前記ショートレンジ通信が音声によるものであり、該音声が、POS装置及び/又はモバイル購入装置の認識装置における、デュアルトーンマルチ周波数トーン、音声又はそれらの組み合わせの如何なる出力音声信号でもよい、
装置。
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US7578436B1 (en) * | 2004-11-08 | 2009-08-25 | Pisafe, Inc. | Method and apparatus for providing secure document distribution |
US7427033B1 (en) * | 2005-02-26 | 2008-09-23 | James Roskind | Time-varying security code for enabling authorizations and other uses of financial accounts |
US20060266823A1 (en) | 2005-05-31 | 2006-11-30 | Selvin Passen | Authentication method and system for use in vending a restricted product or service |
-
2006
- 2006-07-18 US US11/488,178 patent/US7784684B2/en not_active Expired - Fee Related
- 2006-07-27 EP EP06253923A patent/EP1758053A1/en not_active Withdrawn
- 2006-07-31 JP JP2006208923A patent/JP5407104B2/ja not_active Expired - Fee Related
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EP1758053A1 (en) | 2007-02-28 |
US20070022058A1 (en) | 2007-01-25 |
JP2007042103A (ja) | 2007-02-15 |
US7784684B2 (en) | 2010-08-31 |
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