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WO2011021868A3 - Mobile card/account transaction system and transaction method employing the same - Google Patents

Mobile card/account transaction system and transaction method employing the same Download PDF

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Publication number
WO2011021868A3
WO2011021868A3 PCT/KR2010/005505 KR2010005505W WO2011021868A3 WO 2011021868 A3 WO2011021868 A3 WO 2011021868A3 KR 2010005505 W KR2010005505 W KR 2010005505W WO 2011021868 A3 WO2011021868 A3 WO 2011021868A3
Authority
WO
WIPO (PCT)
Prior art keywords
line
account
transaction
approval
user
Prior art date
Application number
PCT/KR2010/005505
Other languages
French (fr)
Korean (ko)
Other versions
WO2011021868A2 (en
Inventor
송덕호
Original Assignee
주식회사 디에이치씨
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 디에이치씨 filed Critical 주식회사 디에이치씨
Publication of WO2011021868A2 publication Critical patent/WO2011021868A2/en
Publication of WO2011021868A3 publication Critical patent/WO2011021868A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention can offer convenience by providing an integrated service which allows VMs (virtual machines) to be supported on all mobile terminals and allows on-line/off-line transactions on bank cards and accounts through mobile terminals without the need to be in actual possession of the account/card; a unique PIN (Personal Identity Number) being set in a mobile program such that security is strengthened and a plurality of cards and accounts can be registered and stored, of which one is selected and the secret number of the card or the account is input thereby effecting a use request and, upon receipt of approval for use from a financial institution and presentation thereof to an on-line/off-line vendor (affiliated store), the details of the transaction request are received on the user's mobile program and the transaction is completed by the user giving their approval for the same. This constitutes a service with strengthened safety and security of transactions as it entails mutual approval by the user and the financial institution.
PCT/KR2010/005505 2009-08-21 2010-08-19 Mobile card/account transaction system and transaction method employing the same WO2011021868A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2009-0077493 2009-08-21
KR1020090077493A KR20110019887A (en) 2009-08-21 2009-08-21 Mobile card / account payment system and payment method using the same

Publications (2)

Publication Number Publication Date
WO2011021868A2 WO2011021868A2 (en) 2011-02-24
WO2011021868A3 true WO2011021868A3 (en) 2011-06-16

Family

ID=43607489

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2010/005505 WO2011021868A2 (en) 2009-08-21 2010-08-19 Mobile card/account transaction system and transaction method employing the same

Country Status (2)

Country Link
KR (1) KR20110019887A (en)
WO (1) WO2011021868A2 (en)

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US8556169B2 (en) 2009-01-12 2013-10-15 Visa U.S.A. Inc. Opt in system and method
KR101636975B1 (en) * 2011-05-19 2016-07-20 에스케이플래닛 주식회사 Method for Registering Card Information for Near Field Communication Payment, System And Payment Apparatus
US9240011B2 (en) * 2011-07-13 2016-01-19 Visa International Service Association Systems and methods to communicate with transaction terminals
KR101407955B1 (en) * 2011-10-18 2014-06-17 에스케이플래닛 주식회사 Method for Registering Payment Means, System And Terminal Therefor
US10108937B2 (en) 2011-09-14 2018-10-23 Sk Planet Co., Ltd. Method of registering a membership for an electronic payment, system for same, and apparatus and terminal thereof
KR101409754B1 (en) * 2012-03-12 2014-06-19 에스케이플래닛 주식회사 System for payment of off-line transaction, method thereof and apparatus thereof
KR20130113292A (en) 2012-04-05 2013-10-15 주식회사 엘지씨엔에스 Method of paying through paying means, server and mobile terminal performing the same
KR101399109B1 (en) * 2012-05-08 2014-06-17 주식회사 티비허브 Non facing payment system and method using i-pin connection information
KR101431710B1 (en) * 2012-08-14 2014-08-20 주식회사 디리아 The method and system for providing payment service by customer recognition
WO2014032549A1 (en) * 2012-08-31 2014-03-06 宝利数码有限公司 Telecommunication service provider based mobile identity authentication and payment method and system
KR20140077013A (en) * 2012-12-13 2014-06-23 에스케이플래닛 주식회사 Payment system, electric payment method and apparatus for off-line commerce
US8924259B2 (en) 2013-03-14 2014-12-30 Square, Inc. Mobile device payments
KR101646328B1 (en) 2014-05-23 2016-08-05 중소기업은행 Mobile credit card settlement method and service apparatus using the same, phone
WO2016013830A1 (en) * 2014-07-22 2016-01-28 주식회사 한국엔에프씨 System and method for providing combined direct mobile simple payment service and indirect user authentication by means of real financial card
KR20160011375A (en) 2014-07-22 2016-02-01 스탠다드네트웍스 주식회사 Apparatus, Method, and Recording Medium for Mobile Payment
US9741026B1 (en) 2014-09-30 2017-08-22 Square, Inc. Payment by use of identifier
US11210669B2 (en) 2014-10-24 2021-12-28 Visa International Service Association Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation
WO2016129863A1 (en) 2015-02-12 2016-08-18 Samsung Electronics Co., Ltd. Payment processing method and electronic device supporting the same
US11107047B2 (en) 2015-02-27 2021-08-31 Samsung Electronics Co., Ltd. Electronic device providing electronic payment function and operating method thereof
WO2016137298A1 (en) * 2015-02-27 2016-09-01 삼성전자주식회사 Electronic device and operation method therefor
US10193700B2 (en) 2015-02-27 2019-01-29 Samsung Electronics Co., Ltd. Trust-zone-based end-to-end security
KR102460459B1 (en) * 2015-02-27 2022-10-28 삼성전자주식회사 Method and apparatus for providing card service using electronic device
KR101631660B1 (en) * 2015-08-27 2016-06-20 주식회사 엔비레즈 Method of processing payment and system performing the same
US9519901B1 (en) 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology
US10062074B1 (en) 2016-11-30 2018-08-28 Square, Inc. System for improving card on file transactions
KR101909179B1 (en) 2017-06-27 2018-10-18 주식회사 케이티 Server for providing smart card service, card type device, user device and method
KR102100869B1 (en) * 2017-11-22 2020-04-14 비씨카드(주) Method for supporting account-based payment and financial company server performing the same
US10878402B1 (en) 2018-08-31 2020-12-29 Square, Inc. Temporarily provisioning payment functionality to alternate payment instrument
US10997583B1 (en) 2018-08-31 2021-05-04 Square, Inc. Temporarily provisioning card on file payment functionality to proximate merchants
US11151576B2 (en) 2019-04-05 2021-10-19 At&T Intellectual Property I, L.P. Authorizing transactions using negative pin messages
KR102525654B1 (en) * 2020-02-04 2023-04-25 (주)이스톰 Crossover service authentication method and platform therefor
KR102494450B1 (en) * 2022-02-23 2023-02-06 윤서진 Electronic registraion system for the temple

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KR20060098023A (en) * 2005-03-08 2006-09-18 이처닷컴 주식회사 Mobile integrated payment system and method using a mobile phone
KR20090001844A (en) * 2007-05-28 2009-01-09 주식회사 핑거 Mobile payment service method using mobile banking
KR20090021887A (en) * 2007-08-28 2009-03-04 주식회사 아이캐시 Payment method and system using ID card and mobile phone with smart chip

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20050026950A (en) * 2005-02-23 2005-03-16 백원모 Mobile payment system for electronic commerce using mobile phone and method thereof
KR20060098023A (en) * 2005-03-08 2006-09-18 이처닷컴 주식회사 Mobile integrated payment system and method using a mobile phone
KR20090001844A (en) * 2007-05-28 2009-01-09 주식회사 핑거 Mobile payment service method using mobile banking
KR20090021887A (en) * 2007-08-28 2009-03-04 주식회사 아이캐시 Payment method and system using ID card and mobile phone with smart chip

Also Published As

Publication number Publication date
KR20110019887A (en) 2011-03-02
WO2011021868A2 (en) 2011-02-24

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