KR100474213B1 - 무선망을 이용한 즉석 모바일 카드 발급 방법 - Google Patents
무선망을 이용한 즉석 모바일 카드 발급 방법 Download PDFInfo
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- KR100474213B1 KR100474213B1 KR10-2002-0074524A KR20020074524A KR100474213B1 KR 100474213 B1 KR100474213 B1 KR 100474213B1 KR 20020074524 A KR20020074524 A KR 20020074524A KR 100474213 B1 KR100474213 B1 KR 100474213B1
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- 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
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- 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
- G06Q20/353—Payments by cards read by M-devices
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- 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
- G06Q20/04—Payment circuits
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- 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]
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- 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]
- G06Q20/3223—Realising banking transactions through M-devices
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- 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
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- 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
- G06Q20/326—Payment applications installed on the mobile devices
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- 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
- G06Q20/355—Personalisation of cards for use
- G06Q20/3552—Downloading or loading of personalisation data
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- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0853—Network architectures or network communication protocols for network security for authentication of entities using an additional device, e.g. smartcard, SIM or a different communication terminal
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/18—Network architectures or network communication protocols for network security using different networks or channels, e.g. using out of band channels
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Computer Hardware Design (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Signal Processing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims (15)
- 가상카드 발급서버, 카드발급사 메인서버 및 카드발급사 결제서버를 구비하는 시스템에서, 사용자의 이동 단말에 즉석 모바일 카드번호를 제공하여 카드이용의 안전성을 확보하기 위한 무선망을 이용한 즉석 모바일 카드 발급 방법에 있어서,상기 가상카드 발급서버가 상기 이동 단말로부터 즉석 모바일 카드의 발급 요청을 수신하는 제 1단계;상기 가상카드 발급서버가 비밀번호와 이동 단말의 전화번호를 인증키값으로 하여, 사용자에 대한 인증을 수행하는 제 2단계;상기 가상카드 발급서버가 상기 이동 단말로 즉석 모바일 카드번호-발급된지 소정의 시간이 지나면, 그 사용권한이 제한됨(휘발성임)-를 송신하는 제 3단계; 및상기 가상카드 발급서버가 상기 이동 단말로 해당 즉석 모바일 카드번호의 유효기간을 전송하는 제 4단계를 포함하되, 상기 제 2단계는,상기 가상카드 발급서버가 비밀번호의 입력을 안내하는 제 5단계;상기 가상카드 발급서버가 상기 이동 단말로부터 비밀번호를 수신하고, 이와 동시에 상기 이동 단말의 전화번호를 획득하는 제 6단계; 및상기 가상카드 발급서버가 수신한 비밀번호 및 획득한 상기 이동 단말의 전화번호가 미리 저장된 비밀번호 및 이동 단말의 전화번호와 동일한지 여부를 확인하는 제 7단계를 포함하는 것을 특징으로 하는 무선망을 이용한 즉석 모바일 카드 발급 방법.
- 제 1항에 있어서,상기 즉석 모바일 카드번호는,신용카드번호인 것을 특징으로 하는 무선망을 이용한 즉석 모바일 카드 발급 방법.
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- 제 1항에 있어서,상기 제 7단계의 확인 결과, 동일하지 않은 경우에는 상기 이동 단말로 실패의 원인을 전송하는 제 8단계를 더 포함하는 것을 특징으로 하는 무선망을 이용한 즉석 모바일 카드 발급 방법.
- 제 1항에 있어서,상기 제 3단계는,상기 이동 단말이 상기 즉석 모바일 카드번호를 수신하였는지 확인하는 제 8단계; 및상기 제 8단계의 확인 결과, 수신에 실패한 경우에는, 상기 이동 단말로 실패의 원인을 전송하는 제 9단계를 더 포함하는 것을 특징으로 하는 무선망을 이용한 즉석 모바일 카드 발급 방법.
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Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
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KR1020020066979 | 2002-10-31 | ||
KR20020066979 | 2002-10-31 |
Publications (2)
Publication Number | Publication Date |
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KR20040040267A KR20040040267A (ko) | 2004-05-12 |
KR100474213B1 true KR100474213B1 (ko) | 2005-03-10 |
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Application Number | Title | Priority Date | Filing Date |
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KR10-2002-0074524A KR100474213B1 (ko) | 2002-10-31 | 2002-11-27 | 무선망을 이용한 즉석 모바일 카드 발급 방법 |
Country Status (4)
Country | Link |
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US (1) | US20060105742A1 (ko) |
KR (1) | KR100474213B1 (ko) |
AU (1) | AU2003234351A1 (ko) |
WO (1) | WO2004040494A1 (ko) |
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US20040203594A1 (en) * | 2002-08-12 | 2004-10-14 | Michael Kotzin | Method and apparatus for signature validation |
KR100407654B1 (ko) * | 2002-09-30 | 2003-12-03 | 주식회사 하렉스인포텍 | 버스/택시 요금 자동 징수를 위한 광결제시스템 |
EP1530177B1 (en) * | 2003-11-07 | 2006-09-13 | Alcatel | Method for supporting cashless payment |
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2002
- 2002-11-27 KR KR10-2002-0074524A patent/KR100474213B1/ko active IP Right Grant
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2003
- 2003-05-23 AU AU2003234351A patent/AU2003234351A1/en not_active Abandoned
- 2003-05-23 WO PCT/KR2003/001013 patent/WO2004040494A1/en not_active Application Discontinuation
- 2003-05-23 US US10/533,466 patent/US20060105742A1/en not_active Abandoned
Patent Citations (4)
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KR20000037185A (ko) * | 2000-04-11 | 2000-07-05 | 조인호 | 무선카드칩 내장 휴대통신단말기를 이용한 소액결제 및리필시스템 |
KR20020005437A (ko) * | 2000-07-08 | 2002-01-17 | 서동신 | 인터넷을 이용한 일회용 신용카드 번호 제공 방법 및 시스템 |
KR20010008360A (ko) * | 2000-11-27 | 2001-02-05 | 박기오 | 전자상거래 신용카드 결제방법 |
KR20020078989A (ko) * | 2001-04-12 | 2002-10-19 | (주)엠커머스 | 휴대단말기를 이용한 신용카드 거래인증 시스템 및 그 방법 |
Cited By (1)
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KR101230452B1 (ko) | 2010-10-07 | 2013-02-07 | 주식회사 비엔에스웍스 | 실물카드의 실시간 모바일 카드 발급 방법 및 시스템과 이를 위한 모바일 폰과 프로그램 기록매체 |
Also Published As
Publication number | Publication date |
---|---|
KR20040040267A (ko) | 2004-05-12 |
AU2003234351A1 (en) | 2004-05-25 |
US20060105742A1 (en) | 2006-05-18 |
WO2004040494A1 (en) | 2004-05-13 |
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