JP6749899B2 - 決済サービス提供システム及び方法 - Google Patents
決済サービス提供システム及び方法 Download PDFInfo
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- JP6749899B2 JP6749899B2 JP2017521583A JP2017521583A JP6749899B2 JP 6749899 B2 JP6749899 B2 JP 6749899B2 JP 2017521583 A JP2017521583 A JP 2017521583A JP 2017521583 A JP2017521583 A JP 2017521583A JP 6749899 B2 JP6749899 B2 JP 6749899B2
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- Prior art keywords
- information
- transaction
- card
- request signal
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- Prior art date
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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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/30—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
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
-
- 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
- G06Q20/38—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; 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
- G06Q20/38—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
-
- 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
- G06Q20/38—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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Description
Claims (6)
- プラスチック実物カードであるMINカードを読み込むことにより、または、前記ユーザ携帯端末に保存されたMINカード情報をコイルループ方式を利用して受信することにより、MINカード情報を受信し、取引承認要求信号を生成して転送する加盟店POS端末と、
前記取引承認要求信号が転送されてユーザ携帯端末に取引認証要求信号を転送し、前記取引認証要求信号に対応した前記ユーザ携帯端末の入力信号から取引認証が完了した場合、承認要求情報を金融機関サーバに転送するサーバと
を含み、
前記MINカード情報は前記加盟店POS端末において表示されることはなく、
前記サーバは前記ユーザ携帯端末から転送された決済手段情報及びパスワードを利用して前記承認要求情報を生成し、これを前記金融機関サーバに転送し、
前記加盟店POS端末は、ユーザ携帯端末番号情報または個人識別カード番号である前記MINカード情報と、当該取引情報とを含む取引承認要求信号を前記サーバに転送し、
前記取引認証要求信号、および前記入力信号は、前記MINカード情報を含まない、決済サービス提供システム。 - 前記個人識別カード番号は、前記MIN情報に前記ユーザ携帯端末番号情報が含まれていない場合、既保存された前記ユーザの携帯端末番号情報とマッチングするための媒介情報として、メンバーシップカード番号またはIDカード番号である請求項1に記載の決済サービス提供システム。
- 当該取引情報は、金額情報、割賦情報及び加盟店情報を含む請求項1に記載の決済サービス提供システム。
- 前記サーバは前記取引承認要求信号が転送され、これに対する取引認証を要求するヴァンサーバ及び前記ヴァンサーバから受信した取引認証要求に応じて当該取引情報を含む取引認証要求信号を前記ユーザ携帯端末に転送するモバイルヴァンサーバを含む請求項1に記載の決済サービス提供システム。
- (a)決済サービス提供システムのサーバは、プラスチック実物カードであるMINカードを読み込むことにより、または、前記ユーザ携帯端末に保存されたMINカード情報をコイルループ方式を利用して受信することにより、加盟店POS端末からユーザのMINカード情報を受信し、前記MINカード情報及び当該取引情報を含む取引承認要求信号を受信するステップと、
(b)前記受信した取引承認要求信号に応じて取引認証要求信号を転送するステップと、
(c)前記取引認証要求信号に対応して入力されたユーザ入力信号から承認要求情報を生成し、これを転送するステップと
を含み、
前記MINカード情報は前記加盟店POS端末において表示されることはなく、
前記(a)ステップは、前記ユーザ携帯端末番号情報または個人識別カード番号である前記MINカード情報と、当該取引情報とを含む、取引承認要求信号とを受信し、
前記(c)ステップは、ユーザ入力信号からカード選択情報及びカードパスワード情報を含む承認要求情報を生成し、これを転送し、
前記取引認証要求信号、および前記入力信号は、前記MINカード情報を含まない、決済サービス提供方法。 - 当該取引情報は、金額情報、割賦情報及び加盟店情報を含む請求項5に記載の決済サービス提供方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR10-2014-0141904 | 2014-10-20 | ||
KR1020140141904A KR101725214B1 (ko) | 2014-10-20 | 2014-10-20 | 결제 서비스 제공 시스템 및 방법 |
PCT/KR2015/011099 WO2016064172A1 (ko) | 2014-10-20 | 2015-10-20 | 결제 서비스 제공 시스템 및 방법 |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2018500631A JP2018500631A (ja) | 2018-01-11 |
JP6749899B2 true JP6749899B2 (ja) | 2020-09-02 |
Family
ID=55761143
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP2017521583A Active JP6749899B2 (ja) | 2014-10-20 | 2015-10-20 | 決済サービス提供システム及び方法 |
Country Status (6)
Country | Link |
---|---|
US (1) | US10846681B2 (ja) |
JP (1) | JP6749899B2 (ja) |
KR (1) | KR101725214B1 (ja) |
CN (1) | CN107077668B (ja) |
AU (1) | AU2015337266B2 (ja) |
WO (1) | WO2016064172A1 (ja) |
Families Citing this family (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN106485490A (zh) * | 2016-10-19 | 2017-03-08 | 济南浪潮高新科技投资发展有限公司 | 一种基于ocx控件实现的pos付款方法 |
US20200364678A1 (en) * | 2017-08-22 | 2020-11-19 | Visa International Service Association | System, Method, and Computer Program Product for Conducting a Payment Transaction |
KR20190108821A (ko) * | 2018-03-15 | 2019-09-25 | 삼성전자주식회사 | 온라인 인증을 이용하여 오프라인 결제를 수행하는 시스템 및 전자 장치 |
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JP2001216567A (ja) * | 2000-02-01 | 2001-08-10 | Leben Co Ltd | 携帯電話による買上げ商品の代金決済方法 |
JP2001344545A (ja) | 2000-03-29 | 2001-12-14 | Ibm Japan Ltd | 処理システム、サーバ、処理端末、通信端末、処理方法、データ管理方法、処理実行方法、プログラム |
JP2001325435A (ja) * | 2000-05-12 | 2001-11-22 | Matsushita Electric Ind Co Ltd | カード認証方法および認証システム |
JP2002334173A (ja) * | 2000-11-02 | 2002-11-22 | Matsushita Electric Ind Co Ltd | コンテンツ配信方法及びこれに用いるサーバ及び端末並びにコンピュータプログラム |
KR100908434B1 (ko) * | 2003-01-14 | 2009-07-21 | (주)로코모 | 이동 단말의 전화번호를 이용한 비대면 거래의 결제 방법 |
KR20040094249A (ko) * | 2003-05-02 | 2004-11-09 | 에스케이 텔레콤주식회사 | 단문 메시지를 이용한 신용카드 결제 서비스 제공 방법 및시스템 |
CN1598830A (zh) * | 2003-09-19 | 2005-03-23 | 李冈燮 | 使用短信服务进行电子支付的认证方法 |
US20060231611A1 (en) * | 2005-03-23 | 2006-10-19 | Chakiris Phil M | Radio frequency identification purchase transactions |
US7533047B2 (en) * | 2005-05-03 | 2009-05-12 | International Business Machines Corporation | Method and system for securing card payment transactions using a mobile communication device |
AU2006277397A1 (en) | 2005-08-05 | 2007-02-15 | Nec Corporation | Electronic settlement system, method therefor, settlement server used therein, communication terminal, and program |
CN101098225B (zh) * | 2006-06-29 | 2012-07-25 | 中国银联股份有限公司 | 安全数据传输方法及支付方法、支付终端和支付服务器 |
KR20070044832A (ko) * | 2007-04-19 | 2007-04-30 | 주식회사 엠필러 | 개인 승인을 기반으로 한 결제 서비스 시스템 및 그 방법 |
US20080270301A1 (en) | 2007-04-27 | 2008-10-30 | American Express Travel Related Services Co., Inc. | Mobile payment system and method |
JP2009129377A (ja) * | 2007-11-27 | 2009-06-11 | Harex Infotech Inc | モバイルカードのオフライン取引承認方式による決済処理システム及びその方法 |
KR20100122973A (ko) * | 2009-05-14 | 2010-11-24 | 한국정보통신주식회사 | 결제 처리 시스템 및 그 방법 |
KR101384608B1 (ko) * | 2011-03-21 | 2014-04-14 | 정현철 | 모바일 전화번호를 이용한 카드결제 제공방법 및 그 시스템 |
JP5762186B2 (ja) | 2011-07-12 | 2015-08-12 | 株式会社日本総合研究所 | カード不正利用防止システム及びカード不正利用防止方法 |
CN102542452A (zh) * | 2011-11-09 | 2012-07-04 | 王筱雨 | 一种对pos机终端的交易密码进行验证的方法和系统 |
KR20140098723A (ko) * | 2014-07-08 | 2014-08-08 | 이도훈 | 순차 지문 입력을 이용하는 atm 시스템 및 그 구동 방법 |
KR20140096016A (ko) * | 2014-07-21 | 2014-08-04 | 정현철 | 모바일 전화번호를 이용한 카드결제 제공방법 및 그 시스템 |
-
2014
- 2014-10-20 KR KR1020140141904A patent/KR101725214B1/ko active IP Right Grant
-
2015
- 2015-10-20 US US15/520,284 patent/US10846681B2/en active Active
- 2015-10-20 CN CN201580059655.9A patent/CN107077668B/zh active Active
- 2015-10-20 WO PCT/KR2015/011099 patent/WO2016064172A1/ko active Application Filing
- 2015-10-20 AU AU2015337266A patent/AU2015337266B2/en not_active Ceased
- 2015-10-20 JP JP2017521583A patent/JP6749899B2/ja active Active
Also Published As
Publication number | Publication date |
---|---|
CN107077668A (zh) | 2017-08-18 |
US10846681B2 (en) | 2020-11-24 |
KR101725214B1 (ko) | 2017-04-11 |
AU2015337266B2 (en) | 2018-07-05 |
KR20160046410A (ko) | 2016-04-29 |
US20170323287A1 (en) | 2017-11-09 |
AU2015337266A1 (en) | 2017-06-08 |
WO2016064172A1 (ko) | 2016-04-28 |
CN107077668B (zh) | 2021-08-31 |
JP2018500631A (ja) | 2018-01-11 |
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