JP6329485B2 - 移動端末、処理端末、及び、移動端末を用いて処理端末で処理を実行する方法 - Google Patents
移動端末、処理端末、及び、移動端末を用いて処理端末で処理を実行する方法 Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/3821—Electronic credentials
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
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- 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
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- 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
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- 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
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- 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
- G07F7/1025—Identification of user by a PIN code
- G07F7/1091—Use of an encrypted form of the PIN
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- H—ELECTRICITY
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- H04M1/00—Substation equipment, e.g. for use by subscribers
- H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
- H04M1/724—User interfaces specially adapted for cordless or mobile telephones
- H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
- H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
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- H—ELECTRICITY
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- H04W12/069—Authentication using certificates or pre-shared keys
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- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Signal Processing (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- Human Computer Interaction (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Telephone Function (AREA)
- Storage Device Security (AREA)
Description
20 移動端末
22 移動端末のキーパッド
24 移動端末のディスプレイ
26 移動端末の通信モジュール
28 移動無線モジュール
30 プロセッサユニット
NZ 安全でないランタイム環境(Norma1Zone)
TZ 安全なランタイム環境(TrustZone)
32 安全でないオペレーティングシステム(リッチOS)
33 安全なオペレーティングシステム(安全なOS)
34 キーパッド・ドライバ
35 通信モジュール・ドライバ
36 処理アプリケーション(ATM―APP)
37 アプリケーション
40 処理端末
42 処理端末のキーパッド
44 処理端末のディスプレイ
46 処理端末の通信モジュール
47 挿入軸
48 読取機
49 現金支払部
50 制御ユニット
60 支払いカード
80 バックグラウンド・システム
K、K* 電子キー
Claims (9)
- 移動端末(20)を用いて処理端末(40)で処理を実行する方法であって、
処理端末(40)によってユーザを識別するステップと、
処理端末(40)に対して識別されたユーザを認証するステップであって、移動端末(20)の入力装置(22、24)を用いて、識別されたユーザによって入力されたパスワードが、識別されたユーザのために処理端末(40)又は前記処理端末に接続されたバックグラウンド・システム(80)に保存されたパスワードと、一致するかどうか確認することによって、認証するステップと、を備え、
ここで、プロセッサユニット(33)が、移動端末(20)内に提供され、前記プロセッサユニットには、通常のランタイム環境(NZ)及び安全なランタイム環境(TZ)が実装され、
入力装置のドライバ(34)は、安全なランタイム環境(TZ)に実装され、入力を移動端末(20)の入力装置(22、24)を介して、移動端末(20)のプロセッサユニット(33)の安全なランタイム環境(TZ)へ、更なる処理のために安全に転送するように構成され、
ユーザを認証するステップの間に、安全な通信経路が、移動端末(20)と処理端末(40)の間に形成され、少なくともセキュリティに関連したデータは、暗号化方法によって暗号化された形態で送信され、
通信モジュール・ドライバ(35)が、移動端末(20)と処理端末(40)の間に安全な通信経路を形成するために、安全なランタイム環境(TZ)に実装されて、プロセッサユニット(33)によって提供されたデータを、移動端末(20)の通信モジュール(26)と前記安全な通信経路を介して、安全に処理端末(40)に送信するように構成されている、方法。 - 処理端末(40)によってユーザを識別するステップの間に、ユーザが所有している支払いカード(60)に保存され、ユーザを一意に識別する識別データ要素が、処理端末(40)の読取機(48)によって接触方式または非接触方式で読み込まれ、又は、移動端末(20)に保存され、ユーザまたは移動端末(20)を一意に識別する識別データ要素が、読み込まれる、請求項1に記載された方法。
- ユーザを認証するステップの前に、少なくとも一方向の認証が、移動端末(20)の通信モジュール(26)と処理端末(40)の間で使用され、この認証の間に、処理端末(40)が、移動端末(20)に対して認証される、および、移動端末(20)が、処理端末(40)に対して認証される、の少なくとも一方が行われる、請求項2に記載された方法。
- 移動端末(20)、および、処理端末(40)と処理端末(40)に接続されたバックグラウンド・システム(80)の少なくとも一方に保存される認証キー(K、K*)が、移動端末(20)と処理端末(40)の少なくとも一方によって認証を実行するために用いられ、移動端末(20)に保存されるキー(K)は、個別のキーである、請求項3に記載された方法。
- 移動端末(20)と処理端末(40)間の安全な通信経路を経た通信は、認証キー(K、K*)に基づいて暗号化され、認証キー(K、K*)は、各処理用の新規なそれぞれのセッションキーを作り出すために、それぞれのマスターキーとして使われるようになっている、請求項4に記載された方法。
- 安全なランタイム環境(TZ)は、ARM(商標)TrustZone(商標)である、請求項1乃至請求項5のいずれか一項に記載された方法。
- 移動端末(20)は、携帯電話であり、前記携帯電話のオペレーティングシステムは、通常のランタイム環境(NZ)で動作する、請求項1乃至請求項6のいずれか一項に記載された方法。
- 処理端末(40)で処理を実行するための移動端末(20)であって、
ユーザによってパスワードを入力するための入力装置(22、24)と、
通常のランタイム環境(NZ)および安全なランタイム環境(TZ)が実装されるプロセッサユニット(33)と、を備え、
ここで、入力装置ドライバ(34)が、安全なランタイム環境(TZ)に実装され、入力を移動端末(20)の入力装置(22、24)を介して、移動端末(20)のプロセッサユニット(33)の安全なランタイム環境(TZ)へ、更なる処理のために安全に転送するように構成され、
アプリケーション(36)も、プロセッサユニット(33)の安全なランタイム環境(TZ)に実装され、移動端末(20)の入力装置(22、24)を用いてユーザによって入力されたパスワードが、このユーザのために処理端末(40)又は前記処理端末に接続されたバックグラウンド・システム(80)に保存されたパスワードと、一致するかどうか確認することによって、処理端末(40)に対してユーザを認証できるように構成されており、
通信モジュール・ドライバ(35)が、移動端末(20)と処理端末(40)の間に安全な通信経路を形成するために、安全なランタイム環境(TZ)に実装されて、プロセッサユニット(33)によって提供されたデータを、移動端末(20)の通信モジュール(26)と前記安全な通信経路を介して、安全に処理端末(40)に送信するように構成されており、
少なくともセキュリティに関連したデータは、前記安全な通信経路上を暗号化方法によって暗号化された形態で送信される、
移動端末(20)。 - 請求項8に記載の移動端末(20)を含むシステム(10)であって、
処理端末(40)は、
ユーザを識別するように構成される制御ユニット(50)と、
移動端末(20)と処理端末(40)の間に安全な通信経路を形成するための通信モジュール(46)と、
を備え、
ここで、処理端末(40)は、移動端末(20)の入力装置(22、24)を用いてユーザに入力されたパスワードが、処理端末(40)又は前記処理端末に接続されたバックグラウンド・システム(80)に保存された識別されたユーザのためのパスワードと、一致するかどうか決定することによって確認が実行され、ユーザを認証するように構成されている、システム(10)。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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DE102011116489.1 | 2011-10-20 | ||
DE102011116489A DE102011116489A1 (de) | 2011-10-20 | 2011-10-20 | Mobiles Endgerät, Transaktionsterminal und Verfahren zur Durchführung einer Transaktion an einem Transaktionsterminal mittels eines mobilen Endgeräts |
PCT/EP2012/004033 WO2013056783A1 (de) | 2011-10-20 | 2012-09-26 | Mobiles endgerät, transaktionsterminal und verfahren zur durchführung einer transaktion an einem transaktionsterminal mittels eines mobilen endgeräts |
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JP2015501028A JP2015501028A (ja) | 2015-01-08 |
JP6329485B2 true JP6329485B2 (ja) | 2018-05-23 |
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JP2014536127A Active JP6329485B2 (ja) | 2011-10-20 | 2012-09-26 | 移動端末、処理端末、及び、移動端末を用いて処理端末で処理を実行する方法 |
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US (1) | US20140316993A1 (ja) |
JP (1) | JP6329485B2 (ja) |
KR (1) | KR101968156B1 (ja) |
DE (1) | DE102011116489A1 (ja) |
GB (1) | GB2510517A (ja) |
WO (1) | WO2013056783A1 (ja) |
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DE102011018431A1 (de) | 2011-04-21 | 2012-10-25 | Giesecke & Devrient Gmbh | Verfahren zur Anzeige von Informationen auf einer Anzeigeeinrichtung eines Endgeräts |
DE102011115135A1 (de) | 2011-10-07 | 2013-04-11 | Giesecke & Devrient Gmbh | Mikroprozessorsystem mit gesicherter Laufzeitumgebung |
KR101616847B1 (ko) * | 2013-09-30 | 2016-04-29 | 정혜진 | 스마트 기기를 이용하여 카드 결제 서비스를 제공하기 위한 시스템 및 그 방법 |
US9276910B2 (en) * | 2013-11-19 | 2016-03-01 | Wayne Fueling Systems Llc | Systems and methods for convenient and secure mobile transactions |
US20150310427A1 (en) * | 2014-04-24 | 2015-10-29 | Xilix Llc | Method, apparatus, and system for generating transaction-signing one-time password |
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- 2012-09-26 US US14/352,376 patent/US20140316993A1/en not_active Abandoned
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DE102011116489A1 (de) | 2013-04-25 |
JP2015501028A (ja) | 2015-01-08 |
GB201408118D0 (en) | 2014-06-25 |
WO2013056783A8 (de) | 2013-06-06 |
GB2510517A (en) | 2014-08-06 |
KR101968156B1 (ko) | 2019-04-11 |
WO2013056783A1 (de) | 2013-04-25 |
KR20140082809A (ko) | 2014-07-02 |
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