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WO2011021868A3 - Système de transaction de compte/carte mobile et procédé de transaction qui fait appel à celui-ci - Google Patents

Système de transaction de compte/carte mobile et procédé de transaction qui fait appel à celui-ci 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
Legal status (The legal status 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 status listed.)
Ceased
Application number
PCT/KR2010/005505
Other languages
English (en)
Korean (ko)
Other versions
WO2011021868A2 (fr
Inventor
송덕호
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
DHC Co Ltd
Original Assignee
DHC Co Ltd
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 DHC Co Ltd filed Critical DHC Co Ltd
Publication of WO2011021868A2 publication Critical patent/WO2011021868A2/fr
Publication of WO2011021868A3 publication Critical patent/WO2011021868A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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

La présente invention peut offrir un avantage en fournissant un service intégré qui permet de prendre en charge des VM (machine virtuelle) sur tous les terminaux mobiles et qui permet un commerce en ligne/hors-ligne de cartes et de comptes bancaires par l'intermédiaire de terminaux mobiles sans avoir besoin d'être titulaire d'un compte/de posséder une carte ; un PIN unique (numéro d'identification personnel) étant placé dans un programme mobile de telle sorte que la sécurité soit renforcée et une pluralité de cartes et de comptes étant enregistrés et stockés, l'un d'eux étant sélectionné et le numéro secret de la carte ou du compte étant entré en effectuant de ce fait une demande d'utilisation et lors de la réception d'une autorisation d'utilisation en provenance d'un établissement financier et de sa présentation à un commerçant en ligne/hors-ligne (magasin affilié), les détails de la demande de transaction sont reçus sur le programme mobile de l'utilisateur et la transaction est terminée lorsque l'utilisateur donne son autorisation pour celle-ci. Ceci constitue un service avec une protection et une sécurité de commerce renforcées étant donné qu'il est nécessaire d'avoir une autorisation mutuelle de la part de l'utilisateur et de l'établissement financier.
PCT/KR2010/005505 2009-08-21 2010-08-19 Système de transaction de compte/carte mobile et procédé de transaction qui fait appel à celui-ci Ceased WO2011021868A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2009-0077493 2009-08-21
KR1020090077493A KR20110019887A (ko) 2009-08-21 2009-08-21 모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법

Publications (2)

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

Family

ID=43607489

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2010/005505 Ceased WO2011021868A2 (fr) 2009-08-21 2010-08-19 Système de transaction de compte/carte mobile et procédé de transaction qui fait appel à celui-ci

Country Status (2)

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

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US8556169B2 (en) 2009-01-12 2013-10-15 Visa U.S.A. Inc. Opt in system and method
KR101636975B1 (ko) * 2011-05-19 2016-07-20 에스케이플래닛 주식회사 근거리 통신 결제를 위한 카드 정보 등록 방법과 그를 위한 시스템 및 결제 장치
US9240011B2 (en) 2011-07-13 2016-01-19 Visa International Service Association Systems and methods to communicate with transaction terminals
KR101407955B1 (ko) * 2011-10-18 2014-06-17 에스케이플래닛 주식회사 결제 수단 등록 방법과 그를 위한 시스템, 장치 및 단말기
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 (ko) * 2012-03-12 2014-06-19 에스케이플래닛 주식회사 오프라인 거래 결제 시스템, 이를 위한 방법 및 장치
KR20130113292A (ko) 2012-04-05 2013-10-15 주식회사 엘지씨엔에스 결재 수단을 통한 결제 방법, 이를 수행하는 결제 서버 및 모바일 단말
KR101399109B1 (ko) * 2012-05-08 2014-06-17 주식회사 티비허브 아이핀 연계정보를 이용한 비대면 결제 시스템 및 방법
KR101431710B1 (ko) * 2012-08-14 2014-08-20 주식회사 디리아 고객인식 결제 서비스 제공 방법 및 시스템
WO2014032549A1 (fr) * 2012-08-31 2014-03-06 宝利数码有限公司 Procédé et système d'authentification d'identité et de paiement mobiles fondés sur un fournisseur de service de télécommunication
KR20140077013A (ko) * 2012-12-13 2014-06-23 에스케이플래닛 주식회사 오프라인 상거래를 위한 결제 시스템, 전자 결제 지원 방법 및 장치
US8924259B2 (en) * 2013-03-14 2014-12-30 Square, Inc. Mobile device payments
KR101646328B1 (ko) 2014-05-23 2016-08-05 중소기업은행 모바일 카드 결제 방법 및 이를 이용한 서비스 장치와 단말
WO2016013830A1 (fr) * 2014-07-22 2016-01-28 주식회사 한국엔에프씨 Système et procédé pour fournir une combinaison de service de paiement simple mobile direct et d'authentification d'utilisateur indirecte au moyen d'une carte financière réelle
KR20160011375A (ko) 2014-07-22 2016-02-01 스탠다드네트웍스 주식회사 모바일 결제를 위한 장치, 방법, 및 기록 매체
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 (fr) 2015-02-12 2016-08-18 Samsung Electronics Co., Ltd. Procédé de traitement de paiement et dispositif électronique prenant en charge ledit procédé
US10193700B2 (en) 2015-02-27 2019-01-29 Samsung Electronics Co., Ltd. Trust-zone-based end-to-end security
EP3262582B1 (fr) 2015-02-27 2021-03-17 Samsung Electronics Co., Ltd. Dispositif électronique fournissant une fonction de paiement électronique et son procédé de fonctionnement
KR102460459B1 (ko) * 2015-02-27 2022-10-28 삼성전자주식회사 전자 장치를 이용한 카드 서비스 방법 및 장치
KR101631660B1 (ko) * 2015-08-27 2016-06-20 주식회사 엔비레즈 결제 처리 방법 및 이를 실행하는 시스템
US9519901B1 (en) 2015-09-16 2016-12-13 Square, Inc. Biometric payment technology
EP3264355A4 (fr) * 2016-02-26 2018-02-28 Samsung Electronics Co., Ltd. Dispositif électronique et procédé de fonctionnement correspondant
US10062074B1 (en) 2016-11-30 2018-08-28 Square, Inc. System for improving card on file transactions
KR101910349B1 (ko) 2017-06-27 2018-12-19 주식회사 케이티 스마트 카드 서비스를 제공하는 서버, 카드형 디바이스 및 사용자 단말
KR102100869B1 (ko) * 2017-11-22 2020-04-14 비씨카드(주) 계좌기반 결제 지원 방법 및 이를 수행하는 금융사 서버
US10997583B1 (en) 2018-08-31 2021-05-04 Square, Inc. Temporarily provisioning card on file payment functionality to proximate merchants
US10878402B1 (en) 2018-08-31 2020-12-29 Square, Inc. Temporarily provisioning payment functionality to alternate payment instrument
US11151576B2 (en) 2019-04-05 2021-10-19 At&T Intellectual Property I, L.P. Authorizing transactions using negative pin messages
WO2021157852A1 (fr) * 2020-02-04 2021-08-12 (주)이스톰 Procédé d'authentification de service à usage général et plateforme associée
KR102494450B1 (ko) * 2022-02-23 2023-02-06 윤서진 사찰의 전자 등표 시스템

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KR20090021887A (ko) * 2007-08-28 2009-03-04 주식회사 아이캐시 아이디카드와 스마트 칩 내장 휴대 전화를 같이 사용하는결제 방법 및 시스템

Patent Citations (4)

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KR20060098023A (ko) * 2005-03-08 2006-09-18 이처닷컴 주식회사 휴대전화를 이용한 모바일 통합 결제 시스템 및 방법
KR20090001844A (ko) * 2007-05-28 2009-01-09 주식회사 핑거 모바일뱅킹을 이용한 모바일간 결제 서비스 방법
KR20090021887A (ko) * 2007-08-28 2009-03-04 주식회사 아이캐시 아이디카드와 스마트 칩 내장 휴대 전화를 같이 사용하는결제 방법 및 시스템

Also Published As

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

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