JPWO2021003137A5 - - Google Patents
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- JPWO2021003137A5 JPWO2021003137A5 JP2021577912A JP2021577912A JPWO2021003137A5 JP WO2021003137 A5 JPWO2021003137 A5 JP WO2021003137A5 JP 2021577912 A JP2021577912 A JP 2021577912A JP 2021577912 A JP2021577912 A JP 2021577912A JP WO2021003137 A5 JPWO2021003137 A5 JP WO2021003137A5
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プロセッサ回路と、
通信インタフェースと、
メモリとを備え、前記メモリが格納する命令は、前記プロセッサ回路により実行されると、前記プロセッサ回路に、以下を行わせる:
前記通信インタフェースを介して、モバイルデバイス上で実行されるアカウントアプリケーションから、サーバがモバイルデバイスの位置を示す位置データと暗号化データの復号とに基づいて取引を事前に承認したことのインジケーションを受信する、ここで、前記暗号化データは、前記非接触型カードのメモリに格納された暗号アルゴリズムおよび鍵を使用して前記非接触型カードによって生成され、前記インジケーションはさらに、前記非接触型カードに関連付けられたアカウントのための1つまたは複数の資格情報が前記アカウントアプリケーションによって受信されたことを特定する;
前記通信インタフェースを介して、販売時点情報管理(POS)デバイスから、前記非接触型カードを使用して取引の支払いをするインジケーションを受信する;
前記メモリに格納された1つまたは複数の規則に基づいて、前記モバイルデバイスの位置が、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることを判断する;
(i)前記非接触型カードのアカウント番号および有効期限のインジケーションと、(ii)前記サーバによる取引の事前承認のインジケーションとを含む取引データを生成する;
前記取引の支払いとして、前記取引データを前記POSデバイスに送信する;
前記POSデバイスから、前記サーバが前記取引データの少なくとも一部を使用して、および前記取引データにおける前記サーバによる取引の事前承認のインジケーションを識別することに少なくとも部分的に基づいて、取引の支払いを承認するインジケーションを受信する
非接触型カード。 a contactless card,
a processor circuit;
a communication interface;
a memory, wherein instructions stored by the memory, when executed by the processor circuitry, cause the processor circuitry to:
An indication from an account application running on the mobile device, via the communication interface, that the server has pre-approved the transaction based on location data indicating the location of the mobile device and decryption of encrypted data. receive, wherein said encrypted data is generated by said contactless card using a cryptographic algorithm and a key stored in a memory of said contactless card, said indication further comprising: identifying that one or more credentials for an account associated with a contact card have been received by the account application;
receiving, via the communication interface, an indication from a point of sale (POS) device to pay for a transaction using the contactless card;
determining, based on one or more rules stored in the memory, that a location of the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted; do;
generating transaction data including (i) an indication of the contactless card account number and expiration date; and (ii) an indication of pre-authorization of the transaction by the server;
transmitting the transaction data to the POS device as payment for the transaction;
payment of a transaction from the POS device, the server using at least a portion of the transaction data and based at least in part on identifying an indication in the transaction data of pre-approval of the transaction by the server; A contactless card that receives an indication authorizing the
前記サーバによる取引の事前承認のインジケーションをEMVペイロードの第1のフィールドに書き込む;
前記位置データのインジケーション、前記アカウント番号のインジケーション、前記有効期限のインジケーション、およびカード照合値(CVV)のインジケーションを前記EMVペイロードの他の1つまたは複数のフィールドに書き込む
請求項1に記載の非接触型カード。 The memory stores instructions that, when executed by the processor circuitry, cause the processor circuitry to:
writing an indication of pre-approval of the transaction by the server into the first field of the EMV payload;
writing the location data indication, the account number indication, the expiration date indication, and the Card Verification Value (CVV) indication into other one or more fields of the EMV payload. A contactless card as described.
前記認可アプレットは、前記モバイルデバイスの位置が、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることを判断し、
前記認可アプレットは、前記モバイルデバイスから、前記サーバによる取引の事前承認のインジケーションを受信し、
前記認可アプレットは、前記非接触型カードに関連付けられた顧客IDに基づいて、前記暗号化データを生成し、
前記決済アプレットは、前記EMVペイロードを生成し、前記認可アプレットからの承認の受信に応答して、前記EMVペイロードを前記POSデバイスに送信し、
前記認可アプレットは、前記モバイルデバイスから受信した前記サーバによる取引の事前承認のインジケーションと、前記モバイルデバイスの位置が前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることの判断とに基づいて、前記決済アプレットに承認を提供する
請求項2に記載の非接触型カード。 the memory stores an authorization applet and a payment applet;
the authorization applet determines that a location of the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted;
the authorization applet receives from the mobile device an indication of pre-approval of a transaction by the server;
the authorization applet generates the encrypted data based on a customer ID associated with the contactless card;
the payment applet generates the EMV payload and, in response to receiving approval from the authorization applet, transmits the EMV payload to the POS device;
The authorization applet receives an indication of pre-approval of a transaction by the server received from the mobile device and a threshold distance of the location of the mobile device from one or more locations at which use of the contactless card is authorized. 3. The contactless card of claim 2, providing authorization to the payment applet based on the determination that the contactless card is within the payment applet.
前記通信インタフェースを介して、前記モバイルデバイス上で実行されるアカウントアプリケーションから、前記モバイルデバイスを使用してアカウントの多要素認証が完了したことのインジケーションを受信する、ここで、前記多要素認証は、(i)前記アカウントのログインとパスワード、(ii)前記アカウントに関連付けられた電話番号に送信されたワンタイムパスワード、(iii)前記アカウントに関連付けられた生体認証情報、(iv)認証アプリケーションによって生成された一時的なコード、および(v)非接触型カードによって生成されたデータ、の少なくとも2つに基づく
請求項3に記載の非接触型カード。 The memory stores instructions that, when executed by the processor circuitry, cause the processor circuitry to:
receiving, via the communication interface, from an account application running on the mobile device, an indication that multi-factor authentication of an account has been completed using the mobile device, wherein the multi-factor authentication is , (i) a login and password for said account, (ii) a one-time password sent to the phone number associated with said account, (iii) biometric information associated with said account, (iv) generated by an authentication application. and (v) data generated by the contactless card.
前記取引のための承認のインジケーションを前記POSデバイスに送信する前に、
前記モバイルデバイスの位置が、前記POSデバイスの位置を示す位置データの閾値距離内にあると前記サーバが判断したことを特定するインジケーションを受信する
前記EMVペイロードの第1のフィールドにおける前記サーバによる取引の事前承認のインジケーションに基づいて前記取引が事前承認されたと前記サーバが認証したことを特定するインジケーションを受信する
請求項3に記載の非接触型カード。 The memory stores instructions that, when executed by the processor circuitry, cause the processor circuitry to:
Before sending an indication of approval for the transaction to the POS device,
receiving an indication that the server has determined that the location of the mobile device is within a threshold distance of location data indicative of the location of the POS device; and a transaction by the server in a first field of the EMV payload. 4. The contactless card of claim 3, receiving an indication specifying that the server has authenticated the transaction as pre-authorized based on the pre-authorization indication of .
前記認可アプレットにより、前記通信インタフェースを介して、前記モバイルデバイスから、前記モバイルデバイスの更新された位置を示す更新された位置データを受信する、ここで、前記更新された位置は、前記位置とは異なる;
前記認可アプレットにより、前記メモリに格納された1つまたは複数の規則に基づいて、前記モバイルデバイスの位置が、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にないことを判断する;
前記決済アプレットにより、第2のPOSデバイスから、前記非接触型カードを使用して第2の取引の支払いを行うインジケーションを受信する;
前記決済アプレットは、前記認可アプレットに、前記第2の取引の支払いの承認を要求する;
前記認可アプレットにより、前記モバイルデバイスの位置が、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にないという判断に基づいて、前記第2の取引に対する支払いの承認を拒否する;
前記決済アプレットにより、前記認可アプレットによる拒否に基づいて、前記非接触型カードを使用した前記第2の取引の支払いを拒否するインジケーションを、前記第2のPOSデバイスに送信する
請求項3に記載の非接触型カード。 The memory stores instructions that, when executed by the processor circuitry, cause the processor circuitry to:
receiving, by the authorization applet, from the mobile device, via the communication interface, updated location data indicating an updated location of the mobile device, wherein the updated location is different from the location different;
The authorization applet determines, based on one or more rules stored in the memory, that the location of the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted. determine that it is not in;
receiving, by the payment applet, an indication from a second POS device to pay for a second transaction using the contactless card;
the payment applet requests the authorization applet to approve payment for the second transaction;
The authorization applet authorizes payment for the second transaction based on a determination that the location of the mobile device is not within a threshold distance of one or more locations where use of the contactless card is permitted. deny approval;
4. The payment applet of claim 3, wherein, based on the denial by the authorization applet, sends an indication to the second POS device denying payment of the second transaction using the contactless card. contactless card.
前記取引に関連付けられた現在の時刻を受信する;
前記メモリに格納された1つまたは複数の規則に基づいて、前記現在の時刻が、前記非接触型カードの使用が許可された時間内であることを判断する;
前記POSデバイスから、前記取引の金額のインジケーションを受信する;
前記メモリに格納された1つまたは複数の規則に基づいて、前記取引の金額が、前記非接触型カードに関連付けられた最大支出額よりも小さいことを判断する
請求項1に記載の非接触型カード。 the indication of pre-approval of the transaction by the server in the transaction data includes different indications of pre-approval of the transaction by the server, wherein the communication interface of the contactless card is Near Field Communication (NFC); configured to support at least one of Bluetooth and Wi-Fi, the memory storing instructions that, when executed by the processor circuitry, cause the processor circuitry to:
receiving the current time associated with the transaction;
determining, based on one or more rules stored in the memory, that the current time is within the time allowed for use of the contactless card;
receiving an indication of the amount of the transaction from the POS device;
2. The contactless card of claim 1, determining that the amount of the transaction is less than a maximum spending amount associated with the contactless card based on one or more rules stored in the memory. card.
モバイルデバイス上で実行されるアカウントアプリケーションから暗号化データを受信する;
暗号アルゴリズムと鍵を用いて前記暗号化データを復号する、ここで、前記鍵は、非接触型カードに関連付けられる;
アカウントに関連付けられた1つまたは複数の規則に基づいて、前記モバイルデバイスから受信された位置データが、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることを判断する;
前記暗号化データの復号と、前記モバイルデバイスが、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることの判断とに基づいて、前記非接触型カードを使用する取引を事前承認する;
前記アカウントアプリケーションに、前記取引に対する事前承認のインジケーションを送信する;
販売時点情報管理(POS)デバイスから、(i)前記非接触型カードのアカウント番号および有効期限のインジケーションと、(ii)前記POSデバイスにより前記非接触型カードから受信された前記取引の事前承認のインジケーションのインスタンスとを含む取引データを受信する;
前記取引データにおいて、前記サーバによる取引の事前承認のインジケーションを特定することに少なくとも部分的に基づいて、前記取引を承認する
非一時的なコンピュータ可読記憶媒体。 A non-transitory computer-readable storage medium containing instructions that, when executed by a processor of a server , cause the processor to:
receive encrypted data from account applications running on mobile devices;
decrypting the encrypted data using a cryptographic algorithm and a key , wherein the key is associated with a contactless card ;
Location data received from the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted, based on one or more rules associated with the account ; determine that there is;
based on decrypting the encrypted data and determining that the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted; pre-authorize transactions using the card;
sending an indication of pre-approval for the transaction to the account application;
from a point of sale (POS) device, (i) an indication of the contactless card 's account number and expiration date; receive transaction data including instances of approval indications;
A non-transitory computer-readable storage medium that approves the transaction based at least in part on identifying in the transaction data an indication of pre- approval of the transaction by the server.
前記EMVペイロードの第1のフィールドにおける前記取引の事前承認のインジケーションのインスタンスを特定する;
前記EMVペイロードの他の1つまたは複数のフィールドにおける前記アカウント番号のインジケーション、前記有効期限のインジケーション、およびカード照合値(CVV)のインジケーションを特定する
請求項8に記載の非一時的なコンピュータ可読記憶媒体。 The transaction data includes an EMV payload, and the non-transitory computer-readable storage medium stores instructions that, when executed by a processor of the server , cause the processor to:
identifying an instance of an indication of pre-approval of the transaction in a first field of the EMV payload;
9. The non-transitory device of claim 8, specifying the account number indication, the expiration date indication, and a card verification value (CVV) indication in other one or more fields of the EMV payload. computer readable storage medium.
前記事前承認のインジケーションを格納する;
前記格納された取引の事前承認のインジケーションを、前記EMVペイロードの第1のフィールドにおける前記取引の事前承認のインジケーションのインスタンスと比較する;
一致する前記比較の結果を決定する;
前記POSデバイスに前記取引に対する承認のインジケーションを送信する
請求項9に記載の非一時的なコンピュータ可読記憶媒体。 contains instructions that, when executed by the processor, cause the processor to:
storing an indication of said pre-approval;
comparing the stored indication of trade pre-approval to an instance of the trade pre-approval indication in a first field of the EMV payload ;
determining a result of said comparison that agrees;
Sending an indication of approval for the transaction to the POS device
The non-transitory computer-readable storage medium of claim 9.
請求項10に記載の非一時的なコンピュータ可読記憶媒体。 The pre-authorization includes one or more levels of pre-authorization, wherein the levels of pre -authorization are such that (i) the server uses the copy of the key and the cryptographic algorithm to encrypt the encrypted data; (ii) determining that location data received from the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted; 11. The non-transitory computer-readable storage medium of claim 10, based on.
前記POSデバイスから、前記EMVペイロード、および前記POSデバイスの位置を示す位置データを受信する;
前記モバイルデバイスの位置が前記POSデバイスの位置から前記閾値距離内にあると判断する
請求項11に記載の非一時的なコンピュータ可読記憶媒体。 Stores instructions that, when executed by the processor , cause the processor, prior to sending an indication of approval for the transaction to the POS device, to:
receive from the POS device the EMV payload and location data indicating the location of the POS device;
12. The non-transitory computer-readable storage medium of claim 11, wherein determining that the location of the mobile device is within the threshold distance from the location of the POS device.
前記取引に関連付けられた現在の時刻を受信する;
前記アカウントに関連付けられた1つまたは複数の規則に基づいて、前記現在の時刻が、前記非接触型カードの使用を許可された時間内であることを判断する
請求項11に記載の非一時的なコンピュータ可読記憶媒体。 contains instructions that, when executed by the processor, cause the processor to:
receiving the current time associated with the transaction;
12. The non-temporary card of claim 11, wherein based on one or more rules associated with the account, the current time is within the permitted time for use of the contactless card. computer-readable storage medium.
前記非一時的なコンピュータ可読記憶媒体は、前記プロセッサによって実行されると前記プロセッサに以下を行わせる命令を格納している:
前記POSデバイスから前記取引の金額のインジケーションを受信する;
前記アカウントに関連付けられた1つまたは複数の規則に基づいて、前記取引の金額が前記非接触型カードに関連付けられた最大支出額よりも小さいことを判断する
請求項8に記載の非一時的なコンピュータ可読記憶媒体。 The indication of pre-approval is one of a plurality of indications of pre-approval, each indication of pre-approval is for each transaction of a plurality of transactions including the transaction, each indication of pre-approval further includes an identifier unique to each said indication of pre-approval ;
The non-transitory computer-readable storage medium stores instructions that, when executed by the processor, cause the processor to:
receiving an indication of the amount of the transaction from the POS device;
9. The non-transitory method of claim 8, determining that the amount of the transaction is less than a maximum spending amount associated with the contactless card based on one or more rules associated with the account. a computer-readable storage medium.
サーバが、モバイルデバイス上で実行されるアカウントアプリケーションから、暗号化データを受信すること;
前記サーバが、暗号アルゴリズムと鍵を用いて前記暗号化データを復号すること、ここで、前記鍵は、非接触型カードに関連付けられる;
前記サーバが、アカウントに関連付けられた1つまたは複数の規則に基づいて、前記モバイルデバイスから受信された位置データが、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることを判断すること;
前記暗号化データの復号と、前記モバイルデバイスが、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることの判断とに基づいて、前記サーバが、前記非接触型カードを使用する取引を事前承認すること;
前記サーバが、前記アカウントアプリケーションに、前記取引に対する事前承認のインジケーションを送信すること;
前記サーバが、販売時点情報管理(POS)デバイスから、(i)前記非接触型カードのアカウント番号および有効期限のインジケーションと、(ii)前記POSデバイスにより前記非接触型カードから受信された前記取引の事前承認のインジケーションのインスタンスとを含む取引データを受信すること;
前記取引データにおいて、前記サーバによる取引の事前承認のインジケーションを特定することに少なくとも部分的に基づいて、前記サーバが取引を承認すること
を含む、方法。 a method,
the server receiving encrypted data from the account application running on the mobile device;
said server decrypting said encrypted data using a cryptographic algorithm and a key , wherein said key is associated with a contactless card ;
The server determines , based on one or more rules associated with an account , that location data received from the mobile device is one or more locations where use of the contactless card is permitted. determining being within a threshold distance;
Based on decrypting the encrypted data and determining that the mobile device is within a threshold distance of one or more locations where use of the contactless card is permitted, the server causes the pre-authorize transactions using contactless cards;
the server sending an indication of pre-approval for the transaction to the account application;
The server receives from a point of sale (POS) device: (i) an indication of the contactless card account number and expiration date; and (ii) the contactless card received by the POS device from the contactless card. receiving trade data including instances of pre-approval indications for trades;
A method comprising approving a transaction by the server based at least in part on identifying in the transaction data an indication of pre-approval of the transaction by the server.
前記サーバが、前記EMVペイロードの第1のフィールドにおける前記サーバによる取引の事前承認のインジケーションを特定すること;
前記EMVペイロードの他の1つまたは複数のフィールドにおける前記アカウント番号のインジケーション、前記有効期限のインジケーション、およびカード照合値(CVV)のインジケーションを特定すること
を含む、請求項15に記載の方法。 the transaction data includes an EMV payload; and
the server specifying an indication of pre-approval of the transaction by the server in a first field of the EMV payload;
16. The method of claim 15 including specifying the account number indication, the expiration date indication, and a card verification value (CVV) indication in other one or more fields of the EMV payload. Method.
前記サーバが、前記事前承認のインジケーションを格納すること;
前記サーバが、前記格納された取引の事前承認のインジケーションを、前記EMVペイロードの第1のフィールドにおける前記取引の事前承認のインジケーションと比較すること;
一致する前記比較の結果を決定すること;
前記POSデバイスに前記取引に対する承認のインジケーションを送信すること
を含む、請求項16に記載の方法。 moreover,
said server storing an indication of said pre-approval;
the server comparing the stored indication of pre -approval of the transaction with the indication of pre-approval of the transaction in a first field of the EMV payload;
determining a result of said comparison that is consistent;
Sending an indication of approval for the transaction to the POS device.
17. The method of claim 16, comprising:
請求項17に記載の方法。 The pre-authorization is a first level of multiple levels of pre-authorization, wherein the plurality of levels of pre-authorization is different than the contactless card account number.
18. The method of claim 17.
前記サーバが、(i)前記鍵のコピーおよび前記暗号アルゴリズムを使用して、前記暗号化データを復号すること、(ii)前記モバイルデバイスから受信された位置データが、前記非接触型カードの使用が許可されている1つまたは複数の位置の閾値距離内にあることを判断すること、(iii)前記アカウントの多要素認証の完了、および(iv)前記1つまたは複数の規則に基づいて、事前承認の前記第1のレベルを選択すること
を含む、請求項18に記載の方法。 moreover,
The server (i) uses the copy of the key and the encryption algorithm to decrypt the encrypted data; (ii) the location data received from the mobile device is is within a threshold distance of one or more allowed locations; (iii) completion of multi-factor authentication for said account; and (iv) based on said one or more rules, 19. The method of claim 18 , comprising: selecting said first level of pre-approval .
前記非接触型カードの通信インタフェースは、近距離無線通信(NFC)、Bluetooth、およびWi‐Fiの少なくとも1つをサポートするように構成され、
さらに、前記取引を承認する前に、
前記サーバが、前記取引に関連付けられた現在の時刻を受信すること;
前記サーバが、前記アカウントに関連付けられた1つまたは複数の規則に基づいて、前記現在の時刻が、前記非接触型カードの使用が許可された時間内であることを判断すること;
前記サーバが、前記POSデバイスから前記取引の金額のインジケーションを受信すること;
前記サーバが、前記アカウントに関連付けられた1つまたは複数の規則に基づいて、前記取引の金額が前記非接触型カードに関連付けられた最大支出額よりも小さいことを判断すること
を含む、請求項15に記載の方法。 The indication of pre-approval is one of a plurality of indications of pre-approval, each indication of pre-approval is for each transaction of a plurality of transactions including the transaction, each indication of pre-approval is the action further includes an identifier unique to each said indication of pre-approval;
the communication interface of the contactless card is configured to support at least one of Near Field Communication (NFC), Bluetooth, and Wi-Fi;
Further, prior to approving such transaction,
said server receiving the current time associated with said transaction;
the server determining, based on one or more rules associated with the account, that the current time is within the time allowed for use of the contactless card;
the server receiving an indication of the amount of the transaction from the POS device;
12. The server comprising determining, based on one or more rules associated with the account, that the amount of the transaction is less than a maximum spending amount associated with the contactless card. 15. The method according to 15.
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PCT/US2020/040261 WO2021003137A1 (en) | 2019-07-03 | 2020-06-30 | Constraining transactional capabilities for contactless cards |
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2019
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2020
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- 2020-06-30 EP EP20743487.9A patent/EP3994650A1/en active Pending
- 2020-06-30 CA CA3143721A patent/CA3143721A1/en active Pending
- 2020-06-30 BR BR112021025755A patent/BR112021025755A2/en unknown
- 2020-06-30 WO PCT/US2020/040261 patent/WO2021003137A1/en unknown
- 2020-06-30 AU AU2020300455A patent/AU2020300455A1/en active Pending
- 2020-06-30 MX MX2021016038A patent/MX2021016038A/en unknown
- 2020-06-30 JP JP2021577912A patent/JP2022538649A/en active Pending
- 2020-06-30 CN CN202080049760.5A patent/CN114080619A/en active Pending
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2023
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