JP6667010B2 - モバイルプリペイドカードのサービスシステム、そのクローンカード保存装置及びサービス方法 - Google Patents
モバイルプリペイドカードのサービスシステム、そのクローンカード保存装置及びサービス方法 Download PDFInfo
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- JP6667010B2 JP6667010B2 JP2018556450A JP2018556450A JP6667010B2 JP 6667010 B2 JP6667010 B2 JP 6667010B2 JP 2018556450 A JP2018556450 A JP 2018556450A JP 2018556450 A JP2018556450 A JP 2018556450A JP 6667010 B2 JP6667010 B2 JP 6667010B2
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- 238000000034 method Methods 0.000 title description 64
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- 238000012546 transfer Methods 0.000 description 7
- 238000012545 processing Methods 0.000 description 6
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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]
- G06Q20/3229—Use of the SIM of a M-device as secure element
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
Description
Claims (9)
- モバイルカードサービスを提供するカードサービスシステムにおいて、
チャージ金額内で使用できるモバイルカードを発行するイシュアサーバと、
前記モバイルカードを使用する利用者端末の保存空間に保存され、実行され、前記モバイルカードを保存するカードウォレットアプリケーションと、を含み、
前記モバイルカードは、
前記イシュアサーバの利用者アカウントに接続される基本カードと、
前記基本カードと区別され、少なくとも一つ以上の付加機能が与えられた少なくとも一つ以上のオプションカードと、
を含み、
前記オプションカードには、前記基本カードのチャージ金額内で前記利用者端末から受信された選択に応じて、別途の使用金額が与えられ、
前記カードウォレットアプリケーションは、前記少なくとも一つ以上のオプションカードのチャージ金額を合計し、前記基本カードのチャージ金額として統合し、当該統合されたオプションカードの情報を削除する残額コレクトモジュールを含むカードサービスシステム。 - 前記残額コレクトモジュールは、前記オプションカードの残額が、当初チャージ金額に対して、既設定された比率以下であるか、残額が既設定された金額以下の場合、又は前記付加機能の提供のための最小金額未満となったときに実行され、前記基本カードのチャージ金額として合計することを特徴とする請求項1に記載のカードサービスシステム。
- 前記カードウォレットアプリケーションは、前記基本カード又はオプションカードを実カードに移転するカードエクスポートモジュールを含む請求項1に記載のカードサービスシステム。
- 前記実カードは、カードSE(Secure Element)又はウェアラブルデバイス(Wearable Device)を含む外装SE(External Secure Element))に、カード情報を保存する保存装置を含むことを特徴とする請求項3に記載のカードサービスシステム。
- 前記カードウォレットアプリケーションは、前記実カードの情報を読込み、モバイルカードである基本カード又はオプションカードに移転するカードインポートモジュールを更に含む請求項3に記載のカードサービスシステム。
- 前記カードエクスポートモジュールは、前記モバイルカード情報及び前記モバイルカードのチャージ金額の全部を前記実カードに伝送し、前記利用者端末から移転されたモバイルカード情報を削除することを特徴とする請求項3に記載のカードサービスシステム。
- 前記カードエクスポートモジュールは、前記モバイルカード情報及び前記モバイルカードのチャージ金額の一部又は全部を前記実カードにコピーし、
前記イシュアサーバは、前記利用者アカウントに対して、前記モバイルカードと前記実カードとにコピーされたクローンカード情報を同じPAN(Primary Account Number)として管理する請求項3に記載のカードサービスシステム。 - 前記モバイルカードは、トークン値形態で前記利用者端末に保存され、
前記イシュアサーバは、前記モバイルカードの実際のカード情報とマッピングされたトークン値情報を含むことを特徴とする請求項1に記載のカードサービスシステム。 - 前記利用者端末に保存されたトークン値消尽時、予め定義されたアルゴリズムにより生成された新規トークン値を前記利用者端末に発行するクローンカード発行サーバを更に含むことを特徴とする請求項8に記載のカードサービスシステム。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR10-2016-0052019 | 2016-04-28 | ||
KR10-2016-0052028 | 2016-04-28 | ||
KR1020160052028 | 2016-04-28 | ||
KR1020160052019A KR101803075B1 (ko) | 2016-04-28 | 2016-04-28 | 모바일 카드의 클론 카드 저장장치, 카드 월렛 어플리케이션, 클론 카드 발급 시스템 및 방법 |
PCT/KR2016/004555 WO2017188488A1 (ko) | 2016-04-28 | 2016-04-29 | 모바일 선불카드의 서비스 시스템, 이의 클론카드 저장장치 및 서비스 방법 |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2019515387A JP2019515387A (ja) | 2019-06-06 |
JP6667010B2 true JP6667010B2 (ja) | 2020-03-18 |
Family
ID=60159798
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2018556450A Active JP6667010B2 (ja) | 2016-04-28 | 2016-04-29 | モバイルプリペイドカードのサービスシステム、そのクローンカード保存装置及びサービス方法 |
Country Status (4)
Country | Link |
---|---|
US (1) | US20190156329A1 (ja) |
JP (1) | JP6667010B2 (ja) |
CN (1) | CN109155033B (ja) |
WO (1) | WO2017188488A1 (ja) |
Families Citing this family (5)
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JP2020177443A (ja) * | 2019-04-18 | 2020-10-29 | 株式会社ミクシィ | 情報処理装置、端末装置、及び情報処理プログラム |
US10997589B1 (en) * | 2020-01-14 | 2021-05-04 | Capital One Services, Llc | Account entity location based navigation and display for a projectable transaction card |
CN112822182A (zh) * | 2020-12-31 | 2021-05-18 | 北京握奇数据股份有限公司 | 硬件钱包介质替换系统及方法 |
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-
2016
- 2016-04-29 WO PCT/KR2016/004555 patent/WO2017188488A1/ko active Application Filing
- 2016-04-29 JP JP2018556450A patent/JP6667010B2/ja active Active
- 2016-04-29 CN CN201680085033.8A patent/CN109155033B/zh active Active
- 2016-04-29 US US16/097,542 patent/US20190156329A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
US20190156329A1 (en) | 2019-05-23 |
CN109155033B (zh) | 2022-08-12 |
WO2017188488A1 (ko) | 2017-11-02 |
CN109155033A (zh) | 2019-01-04 |
JP2019515387A (ja) | 2019-06-06 |
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