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1.发明申请公开(公告)号：US20190066100A1
公开(公告)日：2019-02-28
申请号：US16061863
申请日：2016-11-04
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and amount information identifying an amount are inputted in the settlement system (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device (S926), the settlement device allows a user's payment (S927).
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公开(公告)号：US20200313870A1
公开(公告)日：2020-10-01
申请号：US16622341
申请日：2018-06-18
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： A technique of preventing a man-in-the-middle attack is proposed. An internet banking system includes a user terminal and a settlement device that can communicate with each other via a network. The user terminal generates original data containing instruction data related to an instruction to be executed by the settlement device (S802), encrypts the original data into encrypted instruction data (S803), and transmits the encrypted instruction data to the settlement device (S805, 901). The settlement device decrypts the encrypted instruction data to returns the encrypted instruction data to the original data (S902), and executes an operation specified by the instruction data contained in the original data (S904).
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公开(公告)号：US20190394036A1
公开(公告)日：2019-12-26
申请号：US16466410
申请日：2017-12-06
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： The present invention provides a secure technique that allows two communication apparatus that perform encrypted communication to have a common initial solution. A large number of user apparatuses all have a function of generating the same solution under the same condition as far as the user apparatuses have the same initial solution, and can perform encrypted communication using solutions successively generated in synchronization from the same initial solution. All the user apparatuses and a server share the same initial solution and have a function of generating the same solution under the same condition and thus can generate synchronized solutions. The server generates synchronization information, which is information required to generate the initial solution but is not the initial solution itself (S2002), and transmits the synchronization information to at least one of two user apparatuses performing encrypted communication (S2003). The two user apparatuses generate the same initial solution based on the synchronization information (S1004). Then, the two user apparatuses perform encrypted communication (S1005).
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公开(公告)号：US11631079B2
公开(公告)日：2023-04-18
申请号：US16061863
申请日：2016-11-04
申请人： NTI, Inc.
发明人： Takatoshi Nakamura
摘要： A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and amount information identifying an amount are inputted in the settlement system (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device (S926), the settlement device allows a user's payment (S927).
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公开(公告)号：US11356253B2
公开(公告)日：2022-06-07
申请号：US16647144
申请日：2018-09-18
申请人： NTI, Inc.
发明人： Takatoshi Nakamura
摘要： To propose a technique for solving a key delivery problem. Both of a client and a server have a function of generating the same solution at the same date and time based on the same initial solution. The client sends identification information for identifying the client to the server (S1002). The client and the server generate the same solution with time synchronization based on the initial solution (S1003 and S2002). The client and the server perform encrypted communication using the same key as a common key (S1004 and S2003).
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6.发明申请公开(公告)号：US20200279233A1
公开(公告)日：2020-09-03
申请号：US16613229
申请日：2018-05-17
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
IPC分类号： G06Q20/06
摘要： Provided is a data structure of virtual currency data with high safety.The virtual currency data, which is used in combination with a settlement device that accepts settlement when the virtual currency data is received from a predetermined device via a network and when predetermined conditions are satisfied, includes virtual currency encryption data which is data obtained by, according to a predetermined encryption method, encryption of issuer information including at least information on an issuer of the virtual currency data, amount information that is information for specifying a monetary value, and settlement condition information that is information on conditions for accepting payment with virtual currency.
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7.发明申请公开(公告)号：US20200084035A1
公开(公告)日：2020-03-12
申请号：US16333614
申请日：2017-09-14
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： An authentication technology with far higher safety than the technology using a general one-time password is provided. A client and a server both have the function to generate the same solution under the same condition. The client creates a 20-digit first solution including alphabetical characters and numbers (S1002), generates a partial solution obtained by extracting a part of the solution according to a certain rule (S1003), and sends the partial solution to the server with identification information, which is a user ID (S1004). The server receives them (S2001), generates a solution (S2002), and generates a partial solution (S2003). When the partial solution generated by the server matches the partial solution sent from the client, the server authenticates the client to be valid.
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8.发明申请公开(公告)号：US20190334707A1
公开(公告)日：2019-10-31
申请号：US16344042
申请日：2017-10-27
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： An authentication technology with far higher safety than the technology using a general one-time password is provided. A client and a server both have the function to sequentially generate the same solutions under the same condition, the solutions being series of characters, numbers, or signs. The client creates a first solution (S1002), encrypts authentication data, which is predetermined data, by using the solution to generate encrypted authentication data (S1003), and sends the encrypted authentication data to the server with identification information, which is a user ID (S1004). The server receives them (S2001), generates a solution (S2002), and encrypts authentication data shared with the client into encrypted authentication data by using the solution (S2003). When the encrypted authentication data generated by the server matches the encrypted authentication data sent from the client, the server authenticates the client to be valid.
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9.发明申请公开(公告)号：US20190236580A1
公开(公告)日：2019-08-01
申请号：US16065210
申请日：2016-11-04
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
CPC分类号： G06Q20/3223 , G06Q20/102 , G06Q20/3676 , G06Q20/38 , G06Q20/385 , G06Q20/40 , G06Q20/407 , G07G1/12
摘要： A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and upper limit amount information identifying an amount are inputted in a user terminal 100 (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device, the settlement device allows a user's payment (S928).
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10.发明申请公开(公告)号：US20200342448A1
公开(公告)日：2020-10-29
申请号：US16637113
申请日：2018-08-07
申请人： NTI, Inc.
发明人： Takatoshi NAKAMURA
摘要： Provided is technology for enabling an ordinary user to generate a virtual currency that is data created as crypto cash in the true sense of the word.A user ID and amount information that are input to a user terminal by a user are sent from the user terminal to a settlement device (S913). Upon receiving the user ID and amount information, the settlement device performs a credit determination (S922), and transmits permission information to the user terminal (S923). At the user terminal, upon receiving the permission information, original data that combines the user ID and the amount information is generated (S915), the original data is encrypted and thereby converted to virtual currency encryption data (S916), and virtual currency data including the virtual currency encryption data is generated (S917). The authenticity of the virtual currency data is guaranteed by the fact that the settlement device which received the virtual currency data could decrypt the virtual currency encryption data (S925).
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