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JPWO2021133493A5
JPWO2021133493A5 JP2022537705A JP2022537705A JPWO2021133493A5 JP WO2021133493 A5 JPWO2021133493 A5 JP WO2021133493A5 JP 2022537705 A JP2022537705 A JP 2022537705A JP 2022537705 A JP2022537705 A JP 2022537705A JP WO2021133493 A5 JPWO2021133493 A5 JP WO2021133493A5
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application
encrypted
data
permission level
account
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JP7735274B2 (en
JP2023507619A (en
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Priority claimed from US16/725,547 external-priority patent/US11651361B2/en
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Claims (20)

デバイスのプロセッサで実行されるアプリケーションが、アプリケーションの複数の機能のうちの第1の機能を使用して、アカウントに関連付けられた操作を実行する要求を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することと、
前記アプリケーションが、認証サーバから、前記アカウントの第1の許可レベルと、前記認証サーバが前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記アカウントの第1の許可レベルが、前記アプリケーションの第1の機能を使用して前記操作を実行するための必要な許可レベルを満たしていないことを決定することと、
前記アプリケーションが、必要な許可レベルを満たしていない第1の許可レベルと、複数の規則のうちの第1の規則とに基づいて、前記アプリケーションの第1の機能を使用して、要求される操作の実行を開始するために、暗号化されたパスポートデータを使用する認証が必要であることを、決定することと、
前記アプリケーションが、前記非接触カードから、暗号化されたパスポートデータおよび暗号化されたパスポートデータに対するデジタル署名を受信することであって、前記暗号化されたパスポートデータは前記アカウントに関連付けられたパスポートに対するものである、受信することと、
前記アプリケーションが、前記暗号化されたパスポートデータを復号化することと、
前記アプリケーションが、公開鍵に基づいて、前記暗号化されたパスポートデータの前記デジタル署名を検証することと、
前記暗号化されたパスポートデータの復号化および前記デジタル署名の検証に基づいて、前記アプリケーションが、前記認証サーバに、前記アカウントの第1の許可レベルの指示、前記デジタル署名の検証を反映した指示、および前記暗号化されたパスポートデータが復号化されたことを指定する指示を、送信することと、
前記アプリケーションが、前記認証サーバから、前記暗号化されたパスポートデータの復号化に基づいて前記アカウントに割り当てられた第2の許可レベルを受信することであって、前記第2の許可レベルは、前記第1の許可レベルに対してより大きな許可レベルを有する、受信することと、
前記アプリケーションの前記第1の機能が、前記認証サーバが前記暗号化されたパスポートデータを検証したことを指定する受信された指示、前記暗号化されたパスポートデータの復号化、前記アカウントの第2の許可レベル、および前記デジタル署名が有効であるとの決定に、基づいて、前記操作の実行を開始することと
を含む、方法。
an application executing on a processor of the device receives a request to perform an operation associated with an account using a first of the plurality of functions of the application;
the application receiving encrypted data from a contactless card associated with the account;
the application receiving an instruction from an authentication server specifying a first permission level for the account and that the authentication server has verified the encrypted data;
the application determining that the first permission level of the account does not meet the required permission level to perform the operation using the first functionality of the application;
a requested operation using a first functionality of the application based on a first permission level for which the application does not meet a required permission level and a first rule of a plurality of rules; determining that authentication using encrypted passport data is required to begin execution of the
the application receives from the contactless card encrypted passport data and a digital signature for the encrypted passport data, the encrypted passport data for a passport associated with the account; to be, to receive, and
the application decrypts the encrypted passport data;
the application verifying the digital signature of the encrypted passport data based on a public key;
Based on the decryption of the encrypted passport data and the verification of the digital signature, the application provides an indication to the authentication server of a first permission level for the account, an instruction reflecting the verification of the digital signature; and transmitting an instruction specifying that the encrypted passport data has been decrypted;
the application receives from the authentication server a second permission level assigned to the account based on decryption of the encrypted passport data; receiving, having a permission level greater than the first permission level;
The first functionality of the application comprises: receiving an instruction specifying that the authentication server has verified the encrypted passport data; decrypting the encrypted passport data; and initiating execution of the operation based on a permission level and determining that the digital signature is valid.
前記暗号化されたデータは、前記非接触カードに関連付けられた多様化された鍵および顧客識別子に基づくものであり、前記多様化された鍵は、前記非接触カードに関連付けられたカウンタ値およびマスター鍵に基づくものであり、前記認証サーバは、前記多様化された鍵、前記カウンタ値、および前記マスター鍵に基づいて前記暗号化されたデータを検証する、
請求項1に記載の方法。
The encrypted data is based on a diversified key associated with the contactless card and a customer identifier, and the diversified key is based on a counter value associated with the contactless card and a master the authentication server verifies the encrypted data based on the diversified key, the counter value, and the master key;
The method according to claim 1.
更に、
前記アプリケーションが、前記暗号化されたパスポートデータの更新されたバージョンを受信することと、
前記アプリケーションが、前記非接触カードに、前記非接触カードに格納するための前記暗号化されたパスポートデータの更新されたバージョンを送信することと
を含む、
請求項1に記載の方法。
Furthermore,
the application receiving an updated version of the encrypted passport data;
the application transmitting to the contactless card an updated version of the encrypted passport data for storage on the contactless card;
The method according to claim 1.
更に、
前記アプリケーションが、前記パスポートの第1の画像から前記パスポートの少なくとも1つの属性を抽出することであって、前記第1の画像は前記パスポートの少なくとも1つの属性を描写し、前記アプリケーションが前記抽出される少なくとも1つの属性に基づいて前記暗号化されたデータを復号化する、抽出すること
を含む、
請求項1に記載の方法。
Furthermore,
the application extracting at least one attribute of the passport from a first image of the passport, the first image depicting at least one attribute of the passport; decrypting or extracting the encrypted data based on at least one attribute of the encrypted data;
The method according to claim 1.
前記操作は、
(i)前記アプリケーションの複数のページのうちの第1のページによって提供される第1の機能を使用して、前記アカウントの属性を表示すること、
(ii)前記アプリケーションの複数のページのうちの第2のページによって提供される複数の機能のうちの第2の機能を使用して、前記アカウントの属性を変更すること、
(iii)前記アプリケーションの複数のページのうちの第3のページによって提供される複数の機能のうちの第3の機能にアクセスすること、若しくは、
(iv)前記アプリケーションの複数のページのうちの第4のページによって提供される複数の機能のうちの第4の機能を使用して、前記非接触カードを使用するトランザクションを処理すること
のうちの1つ以上を含む、
請求項1に記載の方法。
The said operation is
(i) displaying attributes of the account using a first functionality provided by a first page of the plurality of pages of the application;
(ii) modifying attributes of the account using a second of a plurality of functions provided by a second of the plurality of pages of the application;
(iii) accessing a third of a plurality of functions provided by a third of a plurality of pages of the application; or
(iv) processing a transaction using said contactless card using a fourth of a plurality of functions provided by a fourth of said plurality of pages of said application; including one or more
The method according to claim 1.
前記必要な許可レベルは、前記複数の規則のうちの第2の規則によって指定される、
請求項1に記載の方法。
the required permission level is specified by a second rule of the plurality of rules;
The method according to claim 1.
前記デジタル署名を検証することは、前記公開鍵に基づいて前記デジタル署名を復号化することを含む、
請求項1に記載の方法。
Verifying the digital signature includes decrypting the digital signature based on the public key.
The method according to claim 1.
プロセッサが実行する命令を格納する非一時的なコンピュータ可読記憶媒体であって、
前記命令がプロセッサにより実行されると、プロセッサは、
デバイスのプロセッサで実行されるアプリケーションが、アプリケーションの複数の機能のうちの第1の機能を使用して、アカウントに関連付けられた操作を実行する要求を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することと、
前記アプリケーションが、認証サーバから、前記アカウントの第1の許可レベルと、前記認証サーバが前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記アカウントの第1の許可レベルが、前記アプリケーションの第1の機能を使用して前記操作を実行するための必要な許可レベルを満たしていないことを決定することと、
前記アプリケーションが、必要な許可レベルを満たしていない第1の許可レベルと、複数の規則のうちの第1の規則とに基づいて、前記アプリケーションの第1の機能を使用して、要求される操作の実行を開始するために、暗号化されたパスポートデータを使用する認証が必要であることを、決定することと、
前記アプリケーションが、前記非接触カードから、暗号化されたパスポートデータおよび暗号化されたパスポートデータに対するデジタル署名を受信することであって、前記暗号化されたパスポートデータは前記アカウントに関連付けられたパスポートに対するものである、受信することと、
前記アプリケーションが、前記暗号化されたパスポートデータを復号化することと、
前記アプリケーションが、公開鍵に基づいて、前記暗号化されたパスポートデータの前記デジタル署名を検証することと、
前記暗号化されたパスポートデータの復号化および前記デジタル署名の検証に基づいて、前記アプリケーションが、前記認証サーバに、前記アカウントの第1の許可レベルの指示、前記デジタル署名の検証を反映した指示、および前記暗号化されたパスポートデータが復号化されたことを指定する指示を、送信することと、
前記アプリケーションが、前記認証サーバから、前記暗号化されたパスポートデータの復号化に基づいて前記アカウントに割り当てられた第2の許可レベルを受信することであって、前記第2の許可レベルは、前記第1の許可レベルに対してより大きな許可レベルを有する、受信することと、
前記アプリケーションの前記第1の機能が、前記認証サーバが前記暗号化されたパスポートデータを検証したことを指定する受信された指示、前記暗号化されたパスポートデータの復号化、前記アカウントの第2の許可レベル、および前記デジタル署名が有効であるとの決定に、基づいて、前記操作の実行を開始することと
を行うものである、
コンピュータ可読記憶媒体。
A non-transitory computer-readable storage medium that stores instructions for execution by a processor, the storage medium comprising:
When the instructions are executed by the processor, the processor:
an application executing on a processor of the device receives a request to perform an operation associated with an account using a first of the plurality of functions of the application;
the application receiving encrypted data from a contactless card associated with the account;
the application receiving an instruction from an authentication server specifying a first permission level for the account and that the authentication server has verified the encrypted data;
the application determining that the first permission level of the account does not meet the required permission level to perform the operation using the first functionality of the application;
a requested operation using a first functionality of the application based on a first permission level for which the application does not meet a required permission level and a first rule of a plurality of rules; determining that authentication using encrypted passport data is required to begin execution of the
the application receives from the contactless card encrypted passport data and a digital signature for the encrypted passport data, the encrypted passport data for a passport associated with the account; to be, to receive, and
the application decrypts the encrypted passport data;
the application verifying the digital signature of the encrypted passport data based on a public key;
Based on the decryption of the encrypted passport data and the verification of the digital signature, the application provides an indication to the authentication server of a first permission level for the account, an instruction reflecting the verification of the digital signature; and transmitting an instruction specifying that the encrypted passport data has been decrypted;
the application receives from the authentication server a second permission level assigned to the account based on decryption of the encrypted passport data; receiving, having a permission level greater than the first permission level;
The first functionality of the application comprises: receiving an instruction specifying that the authentication server has verified the encrypted passport data; decrypting the encrypted passport data; decrypting the encrypted passport data; and initiating execution of the operation based on the permission level and the determination that the digital signature is valid.
Computer-readable storage medium.
前記暗号化されたデータは、前記非接触カードに関連付けられた多様化された鍵および顧客識別子に基づくものであり、前記多様化された鍵は、前記非接触カードに関連付けられたカウンタ値およびマスター鍵に基づくものであり、前記認証サーバは、前記多様化された鍵、前記カウンタ値、および前記マスター鍵に基づいて前記暗号化されたデータを検証する、
請求項8に記載のコンピュータ可読記憶媒体。
The encrypted data is based on a diversified key associated with the contactless card and a customer identifier, and the diversified key is based on a counter value associated with the contactless card and a master the authentication server verifies the encrypted data based on the diversified key, the counter value, and the master key;
9. A computer readable storage medium according to claim 8.
前記命令は、更に、プロセッサにおいて、
前記アプリケーションが、前記暗号化されたパスポートデータの更新されたバージョンを受信することと、
前記アプリケーションが、前記非接触カードに、前記非接触カードに格納するための前記暗号化されたパスポートデータの更新されたバージョンを送信することと
を行わせるものである、
請求項8に記載のコンピュータ可読記憶媒体。
The instructions further include:
the application receiving an updated version of the encrypted passport data;
the application causes the contactless card to transmit an updated version of the encrypted passport data for storage on the contactless card;
9. A computer readable storage medium according to claim 8.
前記命令は、更に、プロセッサにおいて、
前記アプリケーションが、前記パスポートの第1の画像から前記パスポートの少なくとも1つの属性を抽出することであって、前記第1の画像は前記パスポートの少なくとも1つの属性を描写し、前記アプリケーションが前記抽出される少なくとも1つの属性に基づいて前記暗号化されたデータを復号化する、抽出すること
を行わせるものである、
請求項8に記載のコンピュータ可読記憶媒体。
The instructions further include:
the application extracting at least one attribute of the passport from a first image of the passport, the first image depicting at least one attribute of the passport; decrypting or extracting the encrypted data based on at least one attribute;
9. A computer readable storage medium according to claim 8.
前記操作は、
(i)前記アプリケーションの複数のページのうちの第1のページによって提供される第1の機能を使用して、前記アカウントの属性を表示すること、
(ii)前記アプリケーションの複数のページのうちの第2のページによって提供される複数の機能のうちの第2の機能を使用して、前記アカウントの属性を変更すること、
(iii)前記アプリケーションの複数のページのうちの第3のページによって提供される複数の機能のうちの第3の機能にアクセスすること、若しくは、
(iv)前記アプリケーションの複数のページのうちの第4のページによって提供される複数の機能のうちの第4の機能を使用して、前記非接触カードを使用するトランザクションを処理すること
のうちの1つ以上を含む、
請求項8に記載のコンピュータ可読記憶媒体。
The said operation is
(i) displaying attributes of the account using a first functionality provided by a first page of the plurality of pages of the application;
(ii) modifying attributes of the account using a second of a plurality of functions provided by a second of the plurality of pages of the application;
(iii) accessing a third of a plurality of functions provided by a third of a plurality of pages of the application; or
(iv) processing a transaction using said contactless card using a fourth of a plurality of functions provided by a fourth of said plurality of pages of said application; including one or more
9. A computer readable storage medium according to claim 8.
前記必要な許可レベルは、前記複数の規則のうちの第2の規則によって指定される、
請求項8に記載のコンピュータ可読記憶媒体。
the required permission level is specified by a second rule of the plurality of rules;
9. A computer readable storage medium according to claim 8.
前記デジタル署名を検証することは、前記公開鍵に基づいて前記デジタル署名を復号化することを含む、
請求項8に記載のコンピュータ可読記憶媒体。
Verifying the digital signature includes decrypting the digital signature based on the public key.
9. A computer readable storage medium according to claim 8.
プロセッサと、該プロセッサにより実行される命令を格納するメモリとを含む、コンピューティング装置であって、
前記命令がプロセッサにより実行されると、プロセッサは、
デバイスのプロセッサで実行されるアプリケーションが、アプリケーションの複数の機能のうちの第1の機能を使用して、アカウントに関連付けられた操作を実行する要求を受信することと、
前記アプリケーションが、前記アカウントに関連付けられた非接触カードから暗号化されたデータを受信することと、
前記アプリケーションが、認証サーバから、前記アカウントの第1の許可レベルと、前記認証サーバが前記暗号化されたデータを検証したことを指定する指示を受信することと、
前記アプリケーションが、前記アカウントの第1の許可レベルが、前記アプリケーションの第1の機能を使用して前記操作を実行するための必要な許可レベルを満たしていないことを決定することと、
前記アプリケーションが、必要な許可レベルを満たしていない第1の許可レベルと、複数の規則のうちの第1の規則とに基づいて、前記アプリケーションの第1の機能を使用して、要求される操作の実行を開始するために、暗号化されたパスポートデータを使用する認証が必要であることを、決定することと、
前記アプリケーションが、前記非接触カードから、暗号化されたパスポートデータおよび暗号化されたパスポートデータに対するデジタル署名を受信することであって、前記暗号化されたパスポートデータは前記アカウントに関連付けられたパスポートに対するものである、受信することと、
前記アプリケーションが、前記暗号化されたパスポートデータを復号化することと、
前記アプリケーションが、公開鍵に基づいて、前記暗号化されたパスポートデータの前記デジタル署名を検証することと、
前記暗号化されたパスポートデータの復号化および前記デジタル署名の検証に基づいて、前記アプリケーションが、前記認証サーバに、前記アカウントの第1の許可レベルの指示、前記デジタル署名の検証を反映した指示、および前記暗号化されたパスポートデータが復号化されたことを指定する指示を、送信することと、
前記アプリケーションが、前記認証サーバから、前記暗号化されたパスポートデータの復号化に基づいて前記アカウントに割り当てられた第2の許可レベルを受信することであって、前記第2の許可レベルは、前記第1の許可レベルに対してより大きな許可レベルを有する、受信することと、
前記アプリケーションの前記第1の機能が、前記認証サーバが前記暗号化されたパスポートデータを検証したことを指定する受信された指示、前記暗号化されたパスポートデータの復号化、前記アカウントの第2の許可レベル、および前記デジタル署名が有効であるとの決定に、基づいて、前記操作の実行を開始することと
を行うものである、
コンピューティング装置。
A computing device comprising: a processor; and a memory storing instructions executed by the processor;
When the instructions are executed by the processor, the processor:
an application executing on a processor of the device receives a request to perform an operation associated with an account using a first of the plurality of functions of the application;
the application receiving encrypted data from a contactless card associated with the account;
the application receiving an instruction from an authentication server specifying a first permission level for the account and that the authentication server has verified the encrypted data;
the application determining that the first permission level of the account does not meet the required permission level to perform the operation using the first functionality of the application;
a requested operation using a first functionality of the application based on a first permission level for which the application does not meet a required permission level and a first rule of a plurality of rules; determining that authentication using encrypted passport data is required to begin execution of the
the application receives from the contactless card encrypted passport data and a digital signature for the encrypted passport data, the encrypted passport data for a passport associated with the account; to be, to receive, and
the application decrypts the encrypted passport data;
the application verifying the digital signature of the encrypted passport data based on a public key;
Based on the decryption of the encrypted passport data and the verification of the digital signature, the application provides an indication to the authentication server of a first permission level for the account, an instruction reflecting the verification of the digital signature; and transmitting an instruction specifying that the encrypted passport data has been decrypted;
the application receives from the authentication server a second permission level assigned to the account based on decryption of the encrypted passport data; receiving, having a permission level greater than the first permission level;
The first functionality of the application comprises: receiving an instruction specifying that the authentication server has verified the encrypted passport data; decrypting the encrypted passport data; decrypting the encrypted passport data; and initiating execution of the operation based on the permission level and the determination that the digital signature is valid.
computing equipment.
前記暗号化されたデータは、前記非接触カードに関連付けられた多様化された鍵および顧客識別子に基づくものであり、前記多様化された鍵は、前記非接触カードに関連付けられたカウンタ値およびマスター鍵に基づくものであり、前記認証サーバは、前記多様化された鍵、前記カウンタ値、および前記マスター鍵に基づいて前記暗号化されたデータを検証する、
請求項15に記載のコンピューティング装置。
The encrypted data is based on a diversified key associated with the contactless card and a customer identifier, and the diversified key is based on a counter value associated with the contactless card and a master the authentication server verifies the encrypted data based on the diversified key, the counter value, and the master key;
16. The computing device of claim 15.
前記命令は、更に、プロセッサにおいて、
前記アプリケーションが、前記暗号化されたパスポートデータの更新されたバージョンを受信することと、
前記アプリケーションが、前記非接触カードに、前記非接触カードに格納するための前記暗号化されたパスポートデータの更新されたバージョンを送信することと
を行わせるものである、
請求項15に記載のコンピューティング装置。
The instructions further include:
the application receiving an updated version of the encrypted passport data;
the application causes the contactless card to transmit an updated version of the encrypted passport data for storage on the contactless card;
16. The computing device of claim 15.
前記命令は、更に、プロセッサにおいて、
前記アプリケーションが、前記パスポートの第1の画像から前記パスポートの少なくとも1つの属性を抽出することであって、前記第1の画像は前記パスポートの少なくとも1つの属性を描写し、前記アプリケーションが前記抽出される少なくとも1つの属性に基づいて前記暗号化されたデータを復号化する、抽出すること
を行わせるものである、
請求項15に記載のコンピューティング装置。
The instructions further include:
the application extracting at least one attribute of the passport from a first image of the passport, the first image depicting at least one attribute of the passport; decrypting or extracting the encrypted data based on at least one attribute;
16. The computing device of claim 15.
前記操作は、
(i)前記アプリケーションの複数のページのうちの第1のページによって提供される第1の機能を使用して、前記アカウントの属性を表示すること、
(ii)前記アプリケーションの複数のページのうちの第2のページによって提供される複数の機能のうちの第2の機能を使用して、前記アカウントの属性を変更すること、
(iii)前記アプリケーションの複数のページのうちの第3のページによって提供される複数の機能のうちの第3の機能にアクセスすること、若しくは、
(iv)前記アプリケーションの複数のページのうちの第4のページによって提供される複数の機能のうちの第4の機能を使用して、前記非接触カードを使用するトランザクションを処理すること
のうちの1つ以上を含む、
請求項15に記載のコンピューティング装置。
The said operation is
(i) displaying attributes of the account using a first functionality provided by a first page of the plurality of pages of the application;
(ii) modifying attributes of the account using a second of a plurality of functions provided by a second of the plurality of pages of the application;
(iii) accessing a third of a plurality of functions provided by a third of a plurality of pages of the application; or
(iv) processing a transaction using said contactless card using a fourth of a plurality of functions provided by a fourth of said plurality of pages of said application; including one or more
16. The computing device of claim 15.
前記必要な許可レベルは、前記複数の規則のうちの第2の規則によって指定され、
前記デジタル署名を検証することは、前記公開鍵に基づいて前記デジタル署名を復号化することを含む、
請求項15に記載のコンピューティング装置。
the required permission level is specified by a second rule of the plurality of rules;
Verifying the digital signature includes decrypting the digital signature based on the public key.
16. The computing device of claim 15.
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