TW200303496A - System and method for issuing card and processing blacklist using wireless communications - Google Patents

Abstract

A system and method for issuing a card and processing a blacklist, using wireless communications transmits and stores financial/identification (ID) card information to a mobile unit by use of wireless communications and issues a card stored in the mobile unit, and registers and process a blacklist (B/L) information in the mobile unit by using wireless communications. A financial/identification (ID) card for use in a mobile unit is issued, in which financial/identification (ID) card information is transmitted and stored in an internal memory or an external memory including a detachable IC chip such as a SIM, USIM, UIM, and EMV system, in the mobile unit and thus the mobile unit is used as a substitute for a plastic card. Also, when a reason such as a suspension of use and a cancellation of registration occurs through a declaration of theft or loss of a card, and a poor credit registration according to a credit check, blacklist (B/L) information is registered in the internal memory or external memory storing corresponding financial/identification (ID) card information using wireless communications, with a result that if the blacklist (B/L) information registration has been checked at the time of using the mobile unit in replace of a plastic card, a card transaction can be rejected. Thus, a cost for manufacturing and issuing an existing plastic card and delivering the issued card to an applicant can be saved. In view of a blacklist (B/L) check, the blacklist (B/L) processing speed in the mobile unit is faster than the case of comparing a plurality of blacklists (B/Ls) downloaded in a bundle from the card issuance company server by cable in a card reader. Also, a system operation cost can be saved.

Description

200303496

V. Description of the invention (1) [Technical field to which the invention belongs] The present invention relates to a system and method for issuing and processing a blacklist using wireless communication, and particularly to A temporary suspension) or a card & $ τ 死 之 原, take us, in order to, resume or re-issue a financial checkout card and / or an identification (ID) card ^ film is hereinafter referred to as A financial / identification card), use j card eight—use U T7, ...

^ A system and method for ordering a card and processing a blacklist, in which the B & L information is stored inside a mobile communication device such as a mobile phone, a telephone or a personal assistant (PDA) In the memory or overnight, the memory of the department is, for example, a detachable integrated circuit (I c) chip. [Prior art] It is easy to use the card according to the card. In addition, when the access control ID is issued and the contract or product contract is received, the magnetic card or plastic is carried, so it is widely classified as a direct checkout method. Debit card, a high-level circuit (1C) card is very much used as a settlement tool. It also has a health card that is used to make cards. It can be issued by the company when it is recognized, so when the price is reduced or the price is discounted, with the insurance Cards are used for the need for a bonus card and a variety of different receipts to become 'a plastic' leading to higher coupons being widely accepted. Credit cards, credit cards, debit cards, and ID information for identifying (ID) people will also be used. Family identification cards plus service glue cards are cost-effective. In addition, it is used to lead to a higher increase in the use of convenience, ° ij, some cards, a cash card, a debit card, a transportation card and so on. When a card has a place, these card ID functions such as a pass. These cards are issued from one card and one applicant to the same goods to these vendors, and various non-issues and investment costs have increased.

200303496 V. Description of the invention (2) Plus' and the credit is suspended so that the unpaid credit has credit. Do not suspend the letter. There are two types of servers (which is called the black card issuance and trading suspension. One will be approved to be installed in a card issuer to use the credit to check the card. However, the film issuer will spend more time information will be stored and operated in a slip. In addition, the robbery acquisition desk will detect. Loss and theft It is also often issued: the use of credit cards ... bu, if-card:: the amount of the father's money or a record of bouncing, etc., and its Λ is called a transaction suspension reason = method is in use. According to one of them, it is stored and stored. Manage the bad credit piece 2: piece ", list asset 丨. Cardholder's // (black llst (B / L)) information; 2 the feeder is accessed to check if the credit card is: The credit card is not at every # ^ ^ θ received by the card-related store where the transaction is suspended. According to another method,-^ tablet t the car or subway person σ by Wired: The server downloads the black name [and Compare the blacklist information with the input card information on the bus or sundial to see if it is in the blacklist. The card suspension method described above is difficult. The server will be accessed in every transaction, such as checking the card. Whether it is on the blacklist and exists in a large number of card readers, which will cause the system to be difficult 'and it will take more time to check whether the card is' Since there is no venue to identify the credit card holder, that is, the product contract or reduction People with discount coupons need to increase the number of people who are registered. This will be necessary for registration. The issued public information is here. Is it temporarily ^ × 3Μ Jieshi Shanyi requires a card reader to be issued by a subway, so that the place can be used for this purpose. Putting the numbers of the waves in the black name is lost

200303496 V. Description of the invention (3) However, since the above-mentioned conventional card issuance and blacklist checking method > plastic cards do not have a communication function, the blacklist check cannot be achieved in real time ^. For this reason, a blacklist (B / L) is managed at a terminal such as a server of a card issuing company or a card reader to check whether the credit card is on the blacklist. As such, a blacklisted. = Will only be executed when a credit card is received. [Summary of the Invention] In order to solve the above problems, the purpose of the present invention is to provide a card issuing and blacklist processing system for first-line communication. One of the actions is to obtain a kimono chip to store a financial tree. ^ Phone or personal device Then, the bank performs the blacklist check immediately. "White can perform automatic communication. The other blacklist of the present invention is registered. The second right / is to provide a blacklist processing method, one of which is wireless communication. : In the mobile device, 'Among them-Finance / ID Card Finance / ID Card ^ / 仃, hunting to deal with a mobile communication device itself for the purpose of suspending use. Cards for online communication ^ ^ For the purposes stated above, in This provides a system that can be used without a unit and can be blacklisted and blacklisted (B / L), in which an action is issued and blacklisted instead of a card and a business transaction is disabled. The card transmission contains a wealth management The system includes: a card issuing company server for information to a card with seven checkout cards and / or identification (ID) card information, a card, an action unit designated by the youth, and transmission

Page 11 200303496 V. Explanation of the invention (4) When the card transaction is disabled " ^ ~ For the card number of the end reason, the (B / L) information corresponds to a company that owns the card ": 2 mobile units; a mobile communication company is used by the mobile unit; the bank dynamically transmits the card information and blacklist information to the company to send the card information to the company to receive and store the card information via the mobile communication as a blacklist, Receive the blacklist information and register the stored card information ID, check whether the card information is easy when identifying the financial checkout card and / or having been registered as the piece information of the blacklist; and—action Communication network = Disable the mobile unit for card communication company and mobile unit ^ used by wireless communication to connect to the mobile communication. In addition, the present invention also connects (B / L) processing method so that Lin Yi uses wireless communication card black Cards in the List Device (PDA); here is-a mobile phone or a digital assistant step: ⑷Send =! The processing method includes the following card information to a mobile unit for reasons of easy suspension Single information '· (c) When a card is used— (whether the black name card that was transmitted and received has been registered with the eight-character \ ordering action was used in combination earlier, if the card is coughed, Π :: and 拒绝 refused the use of the card in the blacklist, and the film has already been used; in the list, the stored card information will be transferred and used. "In the early and middle school, [Schematic explanation] To further understand the structure of the present invention and its purpose, the drawings and detailed description of the preferred embodiment are attached as follows:

200303496 V. Description of the invention (5) FIG. 1 is a schematic diagram showing a configuration block diagram of a financial > / 1 D card issuing system using wireless communication according to a preferred embodiment of the present invention; FIG. 2 is a schematic diagram, It shows a configuration block diagram of a blacklist (B / L) processing system using wireless communication according to a preferred embodiment of the present invention; FIGS. 3A and 3B are schematic diagrams respectively showing the comparison according to the present invention. The preferred embodiment stores the card issuance information in a mobile unit; FIG. 4 is a flowchart for explaining the blacklist (B / L) registration process in the system of FIG. 2; and FIG. 5 is a flowchart for To explain the blacklist (B / L) check processing in the system of FIG. 2. [Embodiment] A preferred embodiment of the present invention will be described in detail with reference to the drawings. Please refer to FIG. 1. The ^ -chip issuing system shown in FIG. 1 includes ^ -chip issuing company server 10 for transmitting financial / identification (ID) card information, wherein the financial / identification (ID) card system is Issued by a customer. A mobile communication company 20 transmits the financial / identification (ID) card information transferred from the card issuer 10 to the customer's mobile unit (MU) 40 via a mobile communication network 30. The mobile unit 40 receives the financial / identification (ID) card information in a wireless communication state with the mobile communication company 20, and stores the "received" financial / identification (ID) card information, thereby wirelessly receiving a Finance / ID (ID) card.% As shown in Figures 3A and 3B, the storage format of the card information of the mobile unit 40 can be divided into two types. 乂 In Figure 3A, 'Financial / Identification (ID) card information Stored in action

Page 13 200303496 V. Description of the invention (6)

One of the units 40 is in the internal memory 41. In FIG. 3B, the financial / identification (ID) card information is stored in an integrated circuit (IC) chip 43, wherein the chip 43 can be attached to the mobile unit 40 or separated by the mobile unit 40. Here, the detachable IC chip 43 can use any IC chip, such as a subscriber identity module (SIM), a universal subscriber identity module (USIM), and a user identity module. Group (User Identity Module, UIM) and EMV method, the detachable IC chip 43 can be loaded into a mobile phone. In addition, the detachable IC wafer can also be implemented in a single-wafer form or two- or more-wafer form. The operation of the financial / identification (ID) card issuing processing system having the above configuration according to the present invention will be described in detail below. A customer fills in the information contained in an application for card issuance via a document or via a wired or wireless Internet in order to use her or his own mobile unit 40 to replace various plastic cards, and A card issuer is required to issue one card. After the card issuing company checks the application, if the card issue has been approved, the card information contains financial / identification (ID) card information such as a card number, expiration date ^, 3 pieces of card's security number, and personal identification information. Was transferred to the Operation Ventilation Division

: Two t pieces "" on the company's server \ 〇. The mobile communication company 2V has: received 4 card roars, and then sends a __ ^ line notification to the mobile unit 4 designated by the customer via a mobile communication network M. The $ 22 second action unit 40 confirms the card issuance notice. After that, Gu Gu, "! Stare again at the display operator to operate one of the keyboards on 4K action early Yuan 40 and use the wireless Internet μJ u wireless Communication connection

200303496 V. Description of the invention (7) to, mobile communication company 20 and a packet system. In the state of the wireless communication connection ', the impressed communication company 20 sends the card information received by the card issuing company server i 0 to the mobile unit 40. The mobile unit 40 has received the card information and stored the card information in an internal memory 41 of the mobile unit 40, as shown in FIG. 3A, or stores the card information attached to the mobile unit 41. In a detachable IC chip 43, as shown in FIG. 3B, the card information is allowed to be used for the financial checkout and / or identification (ID) confirmation. In FIG. 3B, a card issuing company server 10 or a mobile communication company 20 directly disperses customers based on the card information contained in the IC chip 43, so that each IC chip loads the IC chip 43 to The action unit is on 40. Through the above processing, the mobile unit 40 can be used as a device for various financial checkout and / or ID confirmation, instead of a plastic card. The specific example of using a mobile unit 40, which stores the card information issued by the above process for a financial checkout and / or identification (ID) in a confirmation device, was disclosed in 20011. Among the patents entitled "Optical payment transceiver and optical settlement system using the same", published in Korean Patent Gazette No. 20 01-9048 5 published on June 18, this patent is issued to the same applicant of the present invention. FIG. 2 is a schematic diagram showing a configuration block diagram of a blacklist (B / L) processing system using wireless communication according to a preferred embodiment of the present invention. The structure of the card issuing system in FIG. 2 is the same as that in FIG. 1. That is, a blacklist (B / L) processing system in FIG. 2 includes a card issuing company server 10, a mobile communication company 20, a mobile communication network 30, and a mobile unit 40 including a portable phone card To replace plastic cards.

Page 15 200303496

V. Description of the invention (8) The card issuer's server 10 transfers the blacklist (B / l) of the asset 1 and the reason for the suspension of the transaction or the suspension of a card acceptance. The blacklist (B / l) received by the mobile communication company 20 through the mobile communication network, the card issuing company server 10, and the blacklist (B / l) 士士 x 口 口 贝 云 凡 to Shijiao as early as possible Element 40, by using a wireless communication method, for example, a service (SMS), a long message service (LMS), and a wireless application package (AAP) (WAP) method. Here, in order to make it easier to understand a case of using SMS (SMS) will be described. ~ Service The action unit 40 receives the SMS and logs her or his card roll,

Blacklist (B / L). Here, the mobile unit 40 registers the blacklist ^ into a message to an internal memory 41, as shown in FIG. 3A, or registers the tired name ^) poor (B / L) information to a The separated IC wafer 43 is shown in FIG. 3B. —Single The method of registering the blacklist (B / L) information in the action unit 40 will be described in detail in Table f. > a Figure 4

It is used to explain the blacklist (B / L) login processing system in FIG. 2. If a transaction suspension reason occurs, that is, a customer ’s claim of credit card, insect loss or theft is received (step 401). ), Or the result of a card issuer 13 bank 21 judgment result, the credit card holder is a bad credit (step 'J2A): the card issuer ^ company server 10 judges whether the bad credit card is stored in the action The internal memory 41 of the unit 40 may be in the detachable IC chip 43 (step 403). When the credit card with bad credit is stored in the internal memory 41 of the mobile unit 40 or the detachable 1C chip 43 in the judgment result of step 403, the card issuing company feeder 10 recognizes that it contains A phone number corresponding to the action sheet 40 of the card, and will be suspended

200303496 V. Description of the invention (9) The information of the change or suspension is transmitted to the mobile communication company 20 together with the identification telephone number (step 4 0 4). The mobile communication company 20 wirelessly communicates with the mobile unit 40 of the received telephone number via the mobile communication network 30, and transmits the suspension of transaction information by using an SMS (step 405). The mobile unit 40 with the transaction suspension information SMS logs the blacklist (B / L) information into an internal memory 41 or a detachable IC chip 43 (step 4 06). At the same time, if the bad credit card is not combined with a mobile unit in the judgment result of step 4 03, the card issuing company server j 0 is processed as usual (step 40 7). That is, a card suspension of trading or suspension is registered in the card issuing company 10 of the card issuing company to approve the transaction of the card. ° ί 4 Action unit 40 is used as a blacklist (b / L) to log in to replace a plastic card. The suspension method will be described in detail below with reference to Figure 5. FIG. 5 is a flowchart for explaining a blacklist (B / L) checking process in the system of FIG. 2. FIG. In FIG. 5, the holder of a mobile unit 40 of a card substitute presses a financial / identification (ID) card use button on the mobile unit 40 for payment settlement and / or ID confirmation 'and transmits the financial / identification (I d) Card Resources ^

(Step 501), one of the main processors (not shown) in the action unit 40 confirms whether the action unit 40 has been registered as a blacklist (B / L) (step 502). If the mobile unit 40 has been registered as a blacklist (B / L), the main processor in the mobile unit 40 displays an error message on a display window to indicate a rejection process (step 5 0 4) , And then terminate the procedure. If the action unit in the judgment result of step 502 is ^ and

Page 17 200303496 V. Description of the invention (ίο) Registered as a blacklist (B / L), the mobile unit 40 transmits the financial / identification (I d) stored in the internal memory 41 or the detachable IC chip 43. ) Card information to-^ piece of information receiving end (step 503) and terminate the process.

As described above, a system and method for using wireless communication to issue a tablet and processing a blacklist, according to the present invention, controls the issuance and blacklist of a financial / identification (ID) card by using wireless communication (b / L) to save all costs and time. In addition, a low-value transaction that is received and approved without checking the blacklist (B / L) during use will be executed in a mobile unit, that is, a transportation such as a toll, bus, subway 'Parking fees, etc., vending machines, or low-value e-commerce. Result 'According to the blacklist (B / L) processing speed in the mobile unit according to the present invention, the car is connected to the server of the card issuing company through a cable of a card reader to download Zhongxi ’s black name (B / L §) The number is fast. In addition, the present invention can also save the operating cost of a system. The disclosure of the present invention is a preferred embodiment. Any local change or modification that is derived from the technical idea of the present invention and is easily inferred by those skilled in the art, does not depart from the patent scope of the present invention.

Page 18 200303496 Brief description of the drawings [Simplified description of the drawings] FIG. 1 is a schematic diagram showing a configuration block diagram of a financial / ID card issuing system using wireless communication according to a preferred embodiment of the present invention. FIG. 2 is a schematic diagram showing a configuration block diagram of a blacklist (B / L) processing system using wireless communication according to a preferred embodiment of the present invention. Figures 3A-and 3B are schematic diagrams showing the card issue information storage forms in a mobile unit according to a preferred embodiment of the present invention, respectively. FIG. 4 is a flowchart for explaining a blacklist (B / L) registration process in the system of FIG. 2. FIG. FIG. 5 is a flowchart for explaining a blacklist (B / L) checking process in the system of FIG. 2. FIG. [Illustration of labeling of graphic components] Card issuing company server 10 Mobile communication company 20 Mobile communication network 30 Mobile unit 40 Internal memory 41 Integrated circuit (1C) chip 43 _

Page 19

Claims (1)

200303496 6. Scope of patent application 1. A card issuing and blacklist processing system using wireless communication, in which an mobile unit can be used to replace a card and a disabled business transaction. The card issuing and blacklist processing system includes: a card The issuing company server is used to transmit card information containing a financial checkout card and / or identification (ID) card information to a mobile unit designated by the card issuing applicant and to transmit black cards to disable card transactions List (B / L) information to the action unit corresponding to a card number with a reason for suspension; A mobile communication company for transmitting the card information and blacklist information transmitted by the card issuing company server to the mobile unit; the mobile unit is used for receiving and storing the card information transmitted through the mobile communication company, Receive the blacklist information and register the stored card information into a blacklist. When the financial checkout card and / or identification (ID) card information is identified with the stored card information, check whether the card information has been Is registered as the blacklist to disable the mobile unit for card transactions; and a mobile communication network is connected between the mobile communication company and the mobile unit by wireless communication. 2. The card issuing and blacklist processing system using wireless communication as described in item 1 of the scope of patent application, wherein the mobile unit includes an internal memory for storing the card information and blacklist (B / L) )Information. 3. The card issuing and blacklist processing system using wireless communication as described in item 1 of the scope of patent application, wherein the mobile unit includes an external memory for storing the card information and blacklist (B / L) )Information. 200303496 6. Scope of patent application 4. The card issuance and blacklist processing system using wireless communication as described in item 3 of the scope of patent application, wherein the external memory is a detachable IC chip. It may use any form of IC chip For example, Subscriber Identity Module, Subscriber Identity Module, Universal Subscriber Identity Module (USIM), User Identity Module (UIM), and EMV methods, which can be loaded To a mobile phone, and the detachable IC chip can be implemented in a single-chip form or a two- or multi-chip form. 5 · As described in item 1 of the scope of the patent application, the use of wireless communication card issuance and black name early processing system 'where the financial checkout card can be used as a nose device including all forms' including a credit card, — Borrow an f-card, a cash card, a department store card, an electronic wallet, a business contract and a discount coupon. 6. The card issuance and blacklist processing system using wireless communication as described in item 1 of the scope of patent application, wherein the ID card can be used as a user identification unit including all forms, including a health insurance card and an admission The license card stores personal ID information, a bonus card, and a family card. The ID card can receive various additional services through confirmation of the ID. 7 · The card issuance and blacklist processing system using wireless communication as described in item 2 or 4 of the scope of patent application, wherein the mobile unit uses wireless internet and a packet system to wirelessly communicate with the mobile communication company so that The card information and the blacklist (B / L) information are received by a radio communication method such as a short message service (SMS), a long message service (LMS), and a wireless application packet (WAP). Page 21 200303496 6. Scope of patent application 8 · The card bank and blacklist processing system using wireless communication as described in item 7 of the scope of patent application, where if-the reason for the suspension of the transaction occurs' the server of the card issuing company judges Whether the credit card with poor credit = 1 exists in one of the credit cards in the mobile unit, and if the result of the judgment is ^ L, the credit card stored in the mobile unit with a poor credit card is a credit stored in the mobile server of the card issuing company. A phone number in the unit, and pass the identified phone number and the blacklist (B / L) information together with the 4 ^ 4 mobile communication company, if the result of the judgment is that the credit is not good, the $ L card is not stored For a credit card in this mobile unit, a credit suspension transaction will be registered in the card issuing server that performs credit card transaction authentication. & ^ 9 · The card using wireless communication ^ line and blacklist processing system as described in item 8 of the scope of patent application, wherein the mobile unit stores the card data 7 ° ', and then when the mobile unit is used as a substitute In place of a financial account JjP L. Γ f N / film and / or identification (ID), it will check whether the card information has been registered as a blacklist, and if the check result is on the registered blacklist if the card If the information has been registered as a blacklist, the card will be rejected, and if the card information is not registered as a blacklist, the card information will be transmitted to allow a transaction and / or an identification. ^ 1 〇. — A blacklist processing method using wireless communication to suspend card transactions in a mobile phone or a digital assistant (pDA), where — the mobile unit can be used to replace a card and disable business transactions, The card blacklist processing method includes the following steps: Page 22 200303496 6. Scope of patent application (a) Send blacklist information to an action unit, where the action unit corresponds to the card information of a card that caused a transaction stop reason; (b) Receive and register the blacklist information (C) when a card is used with the action unit, determine whether the card is already registered in the blacklist; and (d) in the judgment result of the blacklist registration, if the card is already registered in the blacklist The use of the card is rejected in the list and if the card is not registered in the blacklist, the stored card information will be transmitted and used. 11. The blacklist processing method using wireless communication according to item 10 of the scope of patent application, wherein in the step (a), the blacklist information is transmitted using wireless communication. 1 2. The blacklist processing method using wireless communication as described in item 11 of the scope of patent application, wherein step (a) includes the following steps: (a 1) determine whether the card number indicating a reason for accepting a transaction suspension indicates a The card is stored in the mobile unit; and (a 2) In the result of the judgment, if the card information indicates that '-^ film is stored in the mobile unit, a phone number of the mobile unit is identified to transmit a blacklist Information to a corresponding mobile unit. Page 23