JP7154381B2 - 仮想コード基盤の金融取引提供システム、仮想コード生成装置、仮想コード検証装置、仮想コード基盤の金融取引提供方法及び仮想コード基盤の金融取引提供プログラム - Google Patents
仮想コード基盤の金融取引提供システム、仮想コード生成装置、仮想コード検証装置、仮想コード基盤の金融取引提供方法及び仮想コード基盤の金融取引提供プログラム Download PDFInfo
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Description
第1コード=f1(C時点のカウント+仮想セキュリティコード)
第2コード=f2(C時点のカウント-A時点のカウント+仮想セキュリティコード)
(A時点:実際カード番号の発行時点、C時点:金融取引要求時点、仮想セキュリティコード:OTP番号)
Claims (14)
- 1つ以上の細部コードを生成する細部コード生成部と、
前記1つ以上の細部コードを組み合わせて仮想コードとして生成する仮想コード生成部と、
前記仮想コードを外部に出力する仮想コード提供部とを含み、
前記仮想コードは、固定コード、OTPコード及び抽出コードを含む複数のコードを特定の規則に従って結合して生成され、
前記固定コードは、前記仮想コード内に予め定められた位置に含まれ、実際カード番号に対応するカード会社又はカードの類型を判断するコードであり、
前記OTPコードは、OTP関数を基に特定数の数字の配列により生成され、
前記抽出コードは、前記仮想コードの全体数字の数から前記固定コード及び前記OTPコードを除いた数字の数の全部又は一部として生成されるものである、
仮想コード生成装置と、
前記仮想コード生成装置から前記仮想コードを受信する仮想コード受信部と、
前記仮想コードから前記OTPコードと前記抽出コードを分離し、前記OTPコードに基づいて変換コードを算出する細部コード抽出部と、
前記変換コード又は前記抽出コードを、設定された条件によって第1コード又は第2コードとしてそれぞれ用いて、実際カード番号の格納位置を探索する実際カード番号探索部と、を含み、
前記第1コードは、実際カード番号の格納位置を探索する開始地点を設定し、
前記第2コードは、特定の探索方式によって前記開始地点から前記格納位置への探索経路を設定する、
仮想コード検証装置と、
を備え、
前記OTPコード及び前記抽出コードは単位カウント毎に変更され、
前記単位カウントは、
特定の時間間隔として設定され、前記時間間隔が経過するにつれて変更される、
金融取引提供システム。 - 前記OTPコードは、実際カード番号内のカードセキュリティコードの数字の数で生成され、
前記抽出コードは、前記仮想コードの全体数字の数から前記固定コード、前記OTPコード及び有効期間を除いた数字の数の全部又は一部として生成されることを特徴とする、請求項1に記載の金融取引提供システム。 - 前記変換コードは、前記抽出コードと同一の桁数で生成されることを特徴とする、請求項2に記載の金融取引提供システム。
- 前記変換コードは、特定の規則に従って前記OTPコードに一対一でマッチすることを特徴とする、請求項3に記載の金融取引提供システム。
- 前記変換コードは、前記OTPコードと仮想コードの生成が要求されたカウント値を変換コード生成関数にシード値として入力して算出されることを特徴とする、請求項3に記載の金融取引提供システム。
- 前記仮想コード生成部は、
前記OTPコードと前記抽出コードを細部コード結合関数によって組み合わせて、
カード識別番号から固定コードを除いた桁とカードセキュリティコードの桁に並ぶことを特徴とする、請求項1に記載の金融取引提供システム。 - 前記固定コードが特定のカード類型の仮想コードに対して新たに付与される場合、
前記細部コード生成部は、
有効期間の桁に配置される特定の数字の組み合わせを可変コードとして生成することを特徴とし、
前記変換コードは、
前記可変コードと前記OTPコードをシード値にして生成され、
前記数字の組み合わせは、単位カウント毎に変更され生成されるものであって、実際の有効期間として使用可能であり、現在のカウントから最大期間内に含まれることを特徴とする、請求項1に記載の金融取引提供システム。 - 前記固定コードが特定のカード類型の実際カード番号に用いられる場合、
特定のカウントに生成された仮想コードが特定のカードの類型で実際カード番号として使用可能なコード列であるか否かを判断する仮想コード確認部を更に含むことを特徴とする、請求項1に記載の金融取引提供システム。 - 前記仮想コード確認部は、
前記仮想コード内のカード識別番号、有効期間及びサービスコードを実際カード番号の生成規則に入力して比較カードセキュリティコードを生成し、
前記仮想コード内のカードセキュリティコードの桁に配置された数字である生成カードセキュリティコードと前記比較カードセキュリティコードとを比較して一致すると、仮想コードの再生成を要求することを特徴とする、請求項8に記載の金融取引提供システム。 - 仮想コード検証手段が仮想コード生成手段から提供された仮想コードを受信する仮想コード受信段階と、
前記仮想コード検証手段が前記仮想コードに特定の規則に従って含まれている固定コード、及び、OTPコード及び抽出コードを含む複数の細部コードを抽出する細部コード抽出段階と、
前記仮想コード検証手段が前記OTPコードを基に変換コードを算出する変換コード算出段階と、
前記仮想コード検証手段が、前記抽出コード又は前記変換コードが設定された条件によってそれぞれ用いられる第1コード及び第2コードを基に実際カード番号の格納位置を探索する実際カード番号探索段階と、
前記仮想コード検証手段が前記格納位置から抽出された前記実際カード番号で金融取引の進行又は金融取引の進行を要求する段階とを含み、
前記仮想コード検証手段と前記仮想コード生成手段は、同一の仮想コード生成関数を含み、
前記固定コードは、前記仮想コード内に予め定められた位置に含まれ、前記実際カード番号に対応するカード会社又はカードの類型を判断するコードであり、
前記OTPコードは、OTP関数を基に特定数の数字の配列により生成され変換コードの算出に用いられ、
前記抽出コードは、前記OTPコードから算出された前記第1コードに対応し、前記仮想コードの全体数字の数から前記固定コード及び前記OTPコードを除いた数字の数の全部又は一部として生成され、
前記第1コードは、仮想コード検証手段で実際カード番号の格納位置を探索する開始地点を設定し、
前記第2コードは、特定の探索方式によって前記開始地点から前記格納位置への探索経路を設定し、
前記OTPコード及び前記抽出コードは単位カウント毎に変更され、
前記単位カウントは、特定の時間間隔として設定され、前記時間間隔が経過するにつれて変更される、仮想コード基盤の金融取引提供方法。 - 前記細部コード抽出段階は、
前記仮想コード内のカード識別番号領域から固定コードを抽出する段階と、
前記固定コードを基に特定のカードの類型に対応する細部コード結合関数を設定する段階と、
カード識別番号から固定コードを除いた桁とカードセキュリティコードの桁に並んでいる数字列から前記細部コード結合関数を用いて前記OTPコードと前記抽出コードを抽出する段階とを含むことを特徴とする、請求項10に記載の仮想コード基盤の金融取引提供方法。 - 前記細部コード抽出段階は、
前記仮想コード生成手段に含まれているのと同一のOTP関数で生成される比較コードと前記OTPコードとを比較して、仮想コードが生成されたカウント値を算出し、
前記変換コード算出段階は、
前記カウント値と前記OTPコードをシード値にして変換コード生成関数に入力して変換コードを算出することを特徴とする、請求項11に記載の仮想コード基盤の金融取引提供方法。 - 前記仮想コードは、実際カード番号の有効期間を含み、
前記仮想コード検証手段は、前記固定コード及び有効期間値によって異なる実際カード番号探索アルゴリズムを含み、
前記実際カード番号探索アルゴリズムは、前記第1コードと前記第2コードを基に実際カード番号が格納された位置を探索することを特徴とする、請求項10に記載の仮想コード基盤の金融取引提供方法。 - 前記固定コードが特定のカード類型の仮想コードに対して新たに付与される場合、
前記細部コード抽出段階は、
有効期間の桁から可変コードを抽出し、
前記変換コード算出段階は、
前記可変コードと前記OTPコードを変換コード生成関数にシード値として入力して前記変換コードを生成することを特徴とする、請求項10に記載の仮想コード基盤の金融取引提供方法。
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