JPWO2019246533A5 - - Google Patents
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- JPWO2019246533A5 JPWO2019246533A5 JP2020570144A JP2020570144A JPWO2019246533A5 JP WO2019246533 A5 JPWO2019246533 A5 JP WO2019246533A5 JP 2020570144 A JP2020570144 A JP 2020570144A JP 2020570144 A JP2020570144 A JP 2020570144A JP WO2019246533 A5 JPWO2019246533 A5 JP WO2019246533A5
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- Prior art keywords
- counter value
- transaction card
- value
- generated
- user
- Prior art date
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Description
いくつかの実施の形態では、取引カードのカウンタ値は、SPデバイスのカウンタ値と同期しなくなるかもしれない。例えば、取引カードが正常に読み取られなかった場合、ユーザデバイス110は、カウンタを増加させるためのSPデバイス140との通信をしないかもしれない。しかしながら、取引カードが読み取られなくても、NFCタグ202は、RFIDリーダから信号を受信して、カウンタを増加させてよい。いくつかの実施の形態では、取引カード120がSPデバイス140と同期していない場合、SPデバイス140は、ユーザデバイス110を介して、カードを携帯デバイス110に特定の回数タップするようにユーザに指示し、それにより、カードのカウンタ305を増加させるための読み取りを特定の数だけ発生させてよい。SPデバイス140は、特定の数のタップを実行することによって生成された暗号化された値の列が、予想される暗号化された値の列と一致することを決定してよい。列が一致する場合、SPデバイス140は、ユーザデバイス110に、リセットするように取引カード120にリセットのための指示を送信させてよい。 In some embodiments, the counter value of the transaction card may be out of sync with the counter value of the SP device. For example, if the transaction card is not successfully read, the user device 110 may not communicate with the SP device 140 to increase the counter. However, even if the transaction card is not read, the NFC tag 202 may receive a signal from the RFID reader to increase the counter. In some embodiments, if the transaction card 120 is out of sync with the SP device 140, the SP device 140 instructs the user to tap the card to the mobile device 110 a certain number of times via the user device 110. And thereby, a certain number of reads may be generated to increase the counter 305 of the card. The SP device 140 may determine that the sequence of encrypted values generated by performing a certain number of taps matches the column of expected encrypted values. If the columns match, the SP device 140 may cause the user device 110 to send a reset instruction to the transaction card 120 to reset.
Claims (20)
前記カウンタ値及び前記秘密鍵が利用できる1以上のマイクロプロセッサと、
ユーザデバイスと通信するように構成される近距離無線通信アンテナと、
を備え、
前記1以上のマイクロプロセッサは、
前記カウンタ値を増加させ、
増加した前記カウンタ値及び前記秘密鍵に基づいて暗号化された値を生成し、
前記暗号化された値を、前記ユーザデバイスへの伝達のために前記近距離無線通信アンテナに提供する、
ように構成される、
取引カード。 A memory device that stores the counter value and private key,
One or more microprocessors that can use the counter value and the private key, and
Near field communication antennas configured to communicate with user devices,
Equipped with
The one or more microprocessors
Increase the counter value to
Generates an encrypted value based on the increased counter value and the private key.
The encrypted value is provided to the short range radio communication antenna for transmission to the user device.
Is configured as
Transaction card.
請求項1に記載の取引カード。 The one or more microprocessors are further configured to increase the counter value by a preset amount .
The transaction card according to claim 1.
請求項2に記載の取引カード。 The preset amount is unique to the transaction card .
The transaction card according to claim 2 .
請求項1に記載の取引カード。 The one or more microprocessors are further configured to increase the counter value by a different amount each time .
The transaction card according to claim 1.
請求項1に記載の取引カード。 The encrypted value comprises a hash of the private key and the incremented counter value.
The transaction card according to claim 1 .
請求項1に記載の取引カード。 The one or more microprocessors further increase the counter value after receiving a signal received through the short range radio communication antenna .
The transaction card according to claim 1.
請求項1に記載の取引カード。 The one or more microprocessors are further configured to reset the counter value to an initial counter value or a value different from the initial counter value in response to a signal received from the user device .
The transaction card according to claim 1.
請求項1に記載の取引カード。 The one or more microprocessors are included in the EMV chip .
The transaction card according to claim 1 .
請求項1に記載の取引カード。 The transaction card is at least one selected from the group of credit cards, debit cards, gift cards, loyalty cards, mileage cards, merchant-specific cards, discount cards, passport cards, driver's licenses, and entry point access cards. Including ,
The transaction card according to claim 1 .
前記取引カードに関連付けられたユーザデバイスから認証の要求を、ネットワークを通じて、受け取り、
前記認証の要求に応答して、生成されたカウンタ値を生成し、
前記生成されたカウンタ値及び前記取引カードに関連付けられた秘密鍵に基づいて、生成された暗号化された値を生成し、
前記ユーザを認証する、
コンピュータで実施される方法。 A method performed on a computer to authenticate a user with a transaction card,
Receive an authentication request from the user device associated with the transaction card over the network and
In response to the authentication request, the generated counter value is generated.
Generates the generated encrypted value based on the generated counter value and the private key associated with the transaction card.
Authenticate the user ,
How it is done on a computer .
請求項10に記載のコンピュータで実施される方法。 Further, in response to the signal received from the user device, the generated counter value is reset to an initial counter value or a value different from the initial counter value .
The method performed on the computer according to claim 10 .
前記ユーザデバイスから、前記ネットワークを通じて、前記取引カードで生成される、受け取った暗号化された値を受け取り、
前記生成された暗号化された値と前記受け取った暗号化された値との比較に基づいて前記ユーザを認証する、
請求項10に記載のコンピュータで実施される方法。 moreover,
Receives the received encrypted value generated by the transaction card from the user device through the network.
Authenticate the user based on a comparison of the generated encrypted value with the received encrypted value .
The method performed on the computer according to claim 10 .
請求項12に記載のコンピュータで実施される方法。 Further, an instruction to the user device to complete a transaction requiring authentication by the user is transmitted to the user device .
The method performed on the computer according to claim 12 .
請求項12に記載のコンピュータで実施される方法。 At least one selected from the group of generated encrypted values and said received encrypted values is valid only for a preset period of time .
The method performed on the computer according to claim 12 .
前記受け取った暗号化された値と前記生成された暗号化された値とが一致しない場合に前記ユーザデバイスに、詐欺警告を送信する、
請求項12に記載のコンピュータで実施される方法。 moreover,
Sending a fraud warning to the user device if the received encrypted value does not match the generated encrypted value .
The method performed on the computer according to claim 12 .
請求項10に記載のコンピュータで実施される方法。 Authenticating the user allows at least one to be selected from the group of transaction completion, login or authentication using a website or device, cash withdrawal, wire transfer, PIN reset, and call center transaction .
The method performed on the computer according to claim 10 .
前記識別情報は、ユーザIDとアカウント番号のグループから選択される少なくとも一つを含む、
請求項16に記載のコンピュータで実施される方法。 The certification request includes identification information and includes
The identification information includes at least one selected from a group of user IDs and account numbers .
The method performed on the computer according to claim 16 .
プロセッサ及びメモリを含むサービスプロバイダデバイスを含み、
前記プロセッサは、
ユーザデバイスから、ネットワークを通じて、前記取引カードで生成された、受け取った暗号化された値を受け取り、
生成されたカウンタ値を生成し、
前記生成されたカウンタ値及び前記取引カードに関連付けられた秘密鍵に基づいて、生成された暗号化された値を生成し、
前記ユーザを認証するために、記生成された暗号化された値と前記受け取った暗号化された値とを比較する、
コンピューティングシステム。 A computing system for authenticating users using transaction cards.
Including service provider devices including processor and memory,
The processor
Receives the received encrypted value generated by the transaction card from the user device over the network.
Generates the generated counter value and
Generates the generated encrypted value based on the generated counter value and the private key associated with the transaction card.
To authenticate the user, compare the generated encrypted value with the received encrypted value.
Computing system .
請求項18に記載のコンピューティングシステム。 The processor further resets the counter value to an initial counter value or a value different from the initial counter value in response to a signal received from the user device .
The computing system according to claim 18.
請求項18に記載のコンピューティングシステム。 Authenticating the user allows at least one to be selected from the group of transaction completion, login or authentication using a website or device, cash withdrawal, wire transfer, PIN reset, and call center transaction .
The computing system according to claim 18 .
Priority Applications (1)
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JP2023119206A JP2023134791A (en) | 2018-06-21 | 2023-07-21 | System and method for secure read-only authentication |
Applications Claiming Priority (3)
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US16/014,542 | 2018-06-21 | ||
US16/014,542 US10546444B2 (en) | 2018-06-21 | 2018-06-21 | Systems and methods for secure read-only authentication |
PCT/US2019/038487 WO2019246533A1 (en) | 2018-06-21 | 2019-06-21 | Systems and methods for secure read-only authentication |
Related Child Applications (1)
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JP2023119206A Division JP2023134791A (en) | 2018-06-21 | 2023-07-21 | System and method for secure read-only authentication |
Publications (3)
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JP2021528746A JP2021528746A (en) | 2021-10-21 |
JPWO2019246533A5 true JPWO2019246533A5 (en) | 2022-02-15 |
JP7345509B2 JP7345509B2 (en) | 2023-09-15 |
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JP2020570144A Active JP7345509B2 (en) | 2018-06-21 | 2019-06-21 | System and method for secure read-only authentication |
JP2023119206A Pending JP2023134791A (en) | 2018-06-21 | 2023-07-21 | System and method for secure read-only authentication |
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JP2023119206A Pending JP2023134791A (en) | 2018-06-21 | 2023-07-21 | System and method for secure read-only authentication |
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US (3) | US10546444B2 (en) |
EP (1) | EP3811344A4 (en) |
JP (2) | JP7345509B2 (en) |
CN (1) | CN112424842B (en) |
AU (1) | AU2019290217A1 (en) |
BR (1) | BR112020026035A2 (en) |
CA (1) | CA3103483A1 (en) |
MX (1) | MX2020014235A (en) |
SG (1) | SG11202012736SA (en) |
WO (1) | WO2019246533A1 (en) |
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