JP7712936B2 - 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング - Google Patents
非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニングInfo
- Publication number
- JP7712936B2 JP7712936B2 JP2022540352A JP2022540352A JP7712936B2 JP 7712936 B2 JP7712936 B2 JP 7712936B2 JP 2022540352 A JP2022540352 A JP 2022540352A JP 2022540352 A JP2022540352 A JP 2022540352A JP 7712936 B2 JP7712936 B2 JP 7712936B2
- Authority
- JP
- Japan
- Prior art keywords
- account number
- virtual account
- application
- parameter
- encrypted data
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- 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
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- 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
- G07F7/0873—Details of the card reader
- G07F7/0893—Details of the card reader the card reader reading the card in a contactless manner
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0884—Network architectures or network communication protocols for network security for authentication of entities by delegation of authentication, e.g. a proxy authenticates an entity to be authenticated on behalf of this entity vis-à-vis an authentication entity
-
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q2220/00—Business processing using cryptography
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Computer Hardware Design (AREA)
- General Engineering & Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computing Systems (AREA)
- Signal Processing (AREA)
- Software Systems (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2025117271A JP2025157358A (ja) | 2019-12-31 | 2025-07-11 | 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US16/731,835 | 2019-12-31 | ||
| US16/731,835 US11455620B2 (en) | 2019-12-31 | 2019-12-31 | Tapping a contactless card to a computing device to provision a virtual number |
| PCT/US2020/061930 WO2021137973A1 (en) | 2019-12-31 | 2020-11-24 | Tapping a contactless card to a computing device to provision a virtual number |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2025117271A Division JP2025157358A (ja) | 2019-12-31 | 2025-07-11 | 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング |
Publications (4)
| Publication Number | Publication Date |
|---|---|
| JP2023510172A JP2023510172A (ja) | 2023-03-13 |
| JP2023510172A5 JP2023510172A5 (https=) | 2023-11-27 |
| JPWO2021137973A5 JPWO2021137973A5 (https=) | 2023-11-27 |
| JP7712936B2 true JP7712936B2 (ja) | 2025-07-24 |
Family
ID=73856305
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2022540352A Active JP7712936B2 (ja) | 2019-12-31 | 2020-11-24 | 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング |
| JP2025117271A Pending JP2025157358A (ja) | 2019-12-31 | 2025-07-11 | 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2025117271A Pending JP2025157358A (ja) | 2019-12-31 | 2025-07-11 | 非接触カードをコンピューティングデバイスにタップする仮想番号のプロビジョニング |
Country Status (8)
| Country | Link |
|---|---|
| US (2) | US11455620B2 (https=) |
| EP (1) | EP4085360A1 (https=) |
| JP (2) | JP7712936B2 (https=) |
| KR (1) | KR20220120555A (https=) |
| CN (1) | CN114902220A (https=) |
| AU (1) | AU2020418476A1 (https=) |
| CA (1) | CA3155736A1 (https=) |
| WO (1) | WO2021137973A1 (https=) |
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| CN104765999B (zh) * | 2014-01-07 | 2020-06-30 | 腾讯科技（深圳）有限公司 | 一种对用户资源信息进行处理的方法、终端及服务器 |
| US11068895B2 (en) * | 2015-02-17 | 2021-07-20 | Visa International Service Association | Token and cryptogram using transaction specific information |
| CA2982766C (en) | 2015-04-14 | 2023-07-04 | Capital One Services, Llc | Automated bluetooth pairing |
| US11315114B2 (en) | 2016-12-28 | 2022-04-26 | Capital One Services, Llc | Dynamic transaction card protected by multi-factor authentication |
| US10515361B2 (en) | 2016-12-28 | 2019-12-24 | Capital One Services, Llc | Smart card secure online checkout |
| US10546444B2 (en) | 2018-06-21 | 2020-01-28 | Capital One Services, Llc | Systems and methods for secure read-only authentication |
| US11216806B2 (en) | 2018-09-19 | 2022-01-04 | Capital One Services, Llc | Systems and methods for providing card interactions |
| CA3115084A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
| US10554411B1 (en) | 2018-10-02 | 2020-02-04 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
| WO2020072474A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
| US10949520B2 (en) | 2018-10-02 | 2021-03-16 | Capital One Services, Llc | Systems and methods for cross coupling risk analytics and one-time-passcodes |
| US10489781B1 (en) | 2018-10-02 | 2019-11-26 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
| WO2020072670A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
| US10771254B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for email-based card activation |
| US10664830B1 (en) | 2018-12-18 | 2020-05-26 | Capital One Services, Llc | Devices and methods for selective contactless communication |
| US20200226581A1 (en) | 2019-01-11 | 2020-07-16 | Capital One Services, Llc | Systems and methods for touch screen interface interaction using a card overlay |
| US10984416B2 (en) | 2019-03-20 | 2021-04-20 | Capital One Services, Llc | NFC mobile currency transfer |
| US10438437B1 (en) * | 2019-03-20 | 2019-10-08 | Capital One Services, Llc | Tap to copy data to clipboard via NFC |
| US11328352B2 (en) | 2019-03-24 | 2022-05-10 | Apple Inc. | User interfaces for managing an account |
| US10467445B1 (en) | 2019-03-28 | 2019-11-05 | Capital One Services, Llc | Devices and methods for contactless card alignment with a foldable mobile device |
| US10871958B1 (en) | 2019-07-03 | 2020-12-22 | Capital One Services, Llc | Techniques to perform applet programming |
| US10713649B1 (en) | 2019-07-09 | 2020-07-14 | Capital One Services, Llc | System and method enabling mobile near-field communication to update display on a payment card |
| EP4038587A4 (en) | 2019-10-02 | 2023-06-07 | Capital One Services, LLC | CLIENT DEVICE AUTHENTICATION USING CONTACTLESS MAGNETIC STRIP DATA |
| US10733283B1 (en) | 2019-12-23 | 2020-08-04 | Capital One Services, Llc | Secure password generation and management using NFC and contactless smart cards |
| US10862540B1 (en) | 2019-12-23 | 2020-12-08 | Capital One Services, Llc | Method for mapping NFC field strength and location on mobile devices |
| US10885410B1 (en) | 2019-12-23 | 2021-01-05 | Capital One Services, Llc | Generating barcodes utilizing cryptographic techniques |
| US11200563B2 (en) | 2019-12-24 | 2021-12-14 | Capital One Services, Llc | Account registration using a contactless card |
| US11455620B2 (en) * | 2019-12-31 | 2022-09-27 | Capital One Services, Llc | Tapping a contactless card to a computing device to provision a virtual number |
| CN111222062B (zh) * | 2020-01-09 | 2021-06-01 | 百度在线网络技术（北京）有限公司 | 小程序的运行方法、装置、电子设备和存储介质 |
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| US11216623B1 (en) | 2020-08-05 | 2022-01-04 | Capital One Services, Llc | Systems and methods for controlling secured data transfer via URLs |
| US11948384B2 (en) * | 2020-09-18 | 2024-04-02 | Synchrony Bank | Systems and methods for reading flat cards |
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| US12307458B2 (en) * | 2021-08-25 | 2025-05-20 | American Express Travel Related Services Company, Inc. | Remotely sharing a payment instrument to a client device |
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| US12520136B2 (en) | 2022-04-27 | 2026-01-06 | Capital One Services, Llc | Systems and methods for context-switching authentication over short range wireless communication |
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| US20230376936A1 (en) * | 2022-05-23 | 2023-11-23 | Capital One Services, Llc | Configuring applications on a device using a contactless card |
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| US12596780B2 (en) | 2022-06-27 | 2026-04-07 | Capital One Services, LLC. | Techniques to perform dynamic call center authentication utilizing a contactless card |
| US12190305B2 (en) * | 2022-06-28 | 2025-01-07 | Capital One Services, Llc | Systems and methods for accounts with multiple profiles |
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| US12489747B2 (en) | 2022-11-18 | 2025-12-02 | Capital One Services, LLC. | Systems and techniques to perform verification operations with wireless communication |
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| US12592819B2 (en) | 2023-02-28 | 2026-03-31 | Capital One Services, Llc | Membership account management using a contactless card |
| US12591875B2 (en) | 2023-03-10 | 2026-03-31 | Capital One Services, Llc | Systems and methods of contactless card as one authentication factor for multiple factor authentication |
| US12511640B2 (en) | 2023-03-13 | 2025-12-30 | Capital One Services, Llc | Systems and methods of managing password using contactless card |
| US12591876B2 (en) | 2023-04-07 | 2026-03-31 | Capital One Services, Llc | Systems and methods for launching a mobile application or a browser extension responsive to satisfying predetermined conditions |
| US20240420100A1 (en) * | 2023-06-13 | 2024-12-19 | Capital One Services, Llc | Systems and methods for transaction processing based on authenticated identity |
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| US12511638B2 (en) | 2023-09-07 | 2025-12-30 | Capital One Services, Llc | Assignment of near-field communications applets |
| US12580767B2 (en) | 2023-10-31 | 2026-03-17 | Capital One Services, LLC. | Transmission of secure and authenticated data over a network |
| US12469022B2 (en) | 2023-11-10 | 2025-11-11 | Capital One Services, Llc | Systems and methods for sharing a virtual card |
| US12406248B2 (en) | 2023-11-10 | 2025-09-02 | Capital One Services, Llc | Systems and methods for authorizing a transfer |
| US12580752B2 (en) | 2024-01-03 | 2026-03-17 | Capital One Services, Llc | Systems and methods for generating shared secret key for transaction cards |
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| JP2019053495A (ja) | 2017-09-14 | 2019-04-04 | ヤフー株式会社 | 生成装置、生成方法及び生成プログラム |
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| CN114902220A (zh) | 2022-08-12 |
| US12548009B2 (en) | 2026-02-10 |
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| US20210201296A1 (en) | 2021-07-01 |
| AU2020418476A1 (en) | 2022-05-19 |
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| JP2025157358A (ja) | 2025-10-15 |
| US11455620B2 (en) | 2022-09-27 |
| WO2021137973A1 (en) | 2021-07-08 |
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