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1. JPWO2019087416 - 金融取引制御システムおよびそのアプリケーションおよび金融取引制御方法

Office
Japan
Application Number 2018535432
Application Date 08.02.2018
Publication Number WO2019087416
Publication Date 12.04.2019
Grant Number 6507387
Grant Date 12.04.2019
Publication Kind B1
IPC
G06Q 20/34
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
CPC
G06F 21/602
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
602Providing cryptographic facilities or services
G06F 21/6218
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
6218to a system of files or objects, e.g. local or distributed file system or database
G06F 21/78
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
70Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
78to assure secure storage of data
G06F 21/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
G06Q 20/4012
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4012Verifying personal identification numbers [PIN]
G06Q 20/40145
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4014Identity check for transactions
40145Biometric identity checks
Applicants 松永 力
Inventors 松永 力
Agents 永井 道彰
Priority Data PCT/JP2017/039703 02.11.2017 JP
Title
(JA) 金融取引制御システムおよびそのアプリケーションおよび金融取引制御方法
Abstract
(JA)


【課題】 クレジット利用、デビッド利用などの金融取引において、第三者の成り済まし使用やスキミングによる不正使用の防止ができる金融取引制御システムを提供する。
【解決手段】 利用者のアカウントごとに生成された金融取引処理アプリケーションファイルにオープン暗証コードとクローズ暗証コードを設定登録しておく。金融取引処理アプリケーションファイルのオープン処理には利用者端末より送信されたオープン暗証コードの認証を必要とし、その後、金融取引者からの金融取引情報を受けて金融取引処理アプリケーションファイルに金融取引情報を書き込む編集処理をすれば、利用者端末に対して金融取引情報に対する承認リクエストを送信して承認情報の返信を待ち、返信された承認情報に含まれているクローズ暗証コードの認証後、金融取引処理データの決済管理システムへの引き渡し処理と、金融取引処理アプリケーションファイルのクローズ処理を実行する。
【選択図】 図1