TW557442B - 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 1C 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

557442 V. Description of the invention (1) [Technical field to which the invention belongs]

The present invention relates to a system and method for issuing-cards and processing a blacklist using wireless communication, and in particular to a request for issuance due to suspension of transactions (a suspension of use and a temporary suspension) or cancellation of a card. Or reissuing a financial checkout card and / or an identification (JD) card (the 4 pieces are hereinafter referred to as a financial / identification card), a system using wireless communication σ to issue a card and process a blacklist And method, wherein the card information and blacklist (B / L) information are stored in an internal memory of a mobile communication device such as a portable telephone or a personal digital assistant (PDA) or 7 memory memories overnight For example, in a detachable integrated circuit (| c) wafer. [Prior art]

Nowadays, magnetic cards and easy-to-carry, the checkout party receives the account according to a card, and it can also be received when the card access control ID confirmation sheet is issued by a public contract, contract or reduction contract or simultaneous or plastic integrated circuit ( 1C) Cards are widely regarded as settlement instruments into a credit card, a high-end debit card, a health card that is issued, a card that can be received by the company, and so the price is preferentially reduced. Yikang Insurance is used to use a credit card when a bonus card is required to receive various types of transactions. When a coupon is widely used, a credit card is required. A personal and a different company will also guide the identification of the card (ID ) The ID information of the card identifies the card, plus this service. This card is made up of-^ copies. In addition, various uses are used to issue relatively large costs, making credit cards very convenient to use. These cards are credit cards, cash cards, and so on. When there is an ID function, for example, some cards are issued differently from the film through these cards, and they are delivered differently.

The number of releases also increased

557442 V. Description of the invention (2) For the sake of temporary delay: Two or two soils and theft also occur frequently, so it will increase the burden of unpaid: use of the card: In addition, if-card holders have f; # 夂 易The amount or history of a bouncing ticket is registered to suspend the credit card: for a reason of suspension of suspension) 'This will require easy use. The transaction of this card has been suspended, and the two methods have been used. According to one of the methods, r jl ^ ^ ^ ^ I s 5 5 The information of the poor card holder is called black list information (ack list (b / l)) information). Here, 〇 ▲ The company's server is accessed to check whether the credit card is temporarily: 乂 易: 黑 名 I, if the credit card is not on the blacklist of suspended transactions, 'received from a card-related store Each card transaction request will be approved for the transaction. According to another method, a card reader is installed at the entrance of a bus or subway to download a blacklist by a card issuing company server in a wired form, and black when using a credit card in a bus or subway Compare the list information with the input card information to check if the card is in the blacklist.

However, the above-mentioned method of card suspension of transactions is difficult, that is, the server of the card issuing company will be accessed in each transaction, so it will waste more time to check whether the card is in the blacklist, and a large number of The digital information will be stored in a card reader, which will cause the system to be overloaded and difficult to operate, and it will take more time to check whether the card is in the blacklist. In addition, since there is no venue to identify credit card holders who are lost or robbed to obtain product contracts or discount coupons, a counter test is required.

Page 10 557442 V. Description of the invention (3) However, since the above-mentioned conventional card issuance and love cannot be achieved. Based on this original :: 〒 On the real-time basis, for example, a server of a card issuing company cries:; =, (b / l) checks if the credit card is on the black list upon receipt: 2 = card item card management, management to Only executed when a credit card is received.口 '-Blacklist Check [Abstract] In order to solve the above-mentioned problem, a card issue and blacklist processing system for one-line communication of the present invention, where: = two pieces are issued to replace-plastic cards to store financial checkout cards / Or ID card information (hereinafter referred to as financial / ID information) in a mobile communication device such as a mobile phone or personal digital assistant (pDA) application, wherein the bank, mobile phone or personal digital assistant can perform both Mobile communication / discrimination immediately performs a blacklist check. " Another object of the present invention is to provide a blacklist processing method, in which a blacklist is registered in a mobile communication device, and a financial / D card is issued using wireless communication to process a mobile communication device itself. Suspended use of financial / ID cards. In order to accomplish the above-mentioned object of the present invention, here is provided a card issuing and blacklist (B / L) processing system using wireless communication, in which a mobile unit can be used to replace a card and disable a commercial transaction, the The card issuance and blacklist processing system includes: a card issuing company server is used to transmit card information containing a financial checkout card and / or identification (ID) card information to an action designated by the card issuing applicant Unit and transmission

557442 V. Description of the invention (4) Information from the blacklist (B / L) of the disabled card transaction to the mobile unit corresponding to a card number with a reason for suspension; a mobile communications company used by the card issuing company The server sends the card information and blacklist information to the mobile unit; the mobile unit is used to receive and store the card information sent by the mobile communication company, receive the blacklist information and register the stored card information as a blacklist, When identifying the financial checkout card and / or the card information with the stored card information ID, check whether the card information has been registered as the blacklist, thereby disabling the mobile unit from performing card transactions; and a mobile communication network through Wireless communication is used to connect between the mobile communication company and the mobile unit. In addition, the present invention also provides a card blacklist (B / L) processing method using wireless communication to disable card transactions in a mobile phone or a digital assistant (PDA). The card blacklist processing method includes the following steps : (A) Send blacklist information to an action unit with the same card information that caused the transaction suspension; (b) Receive and register the transmitted blacklist information; (c) When a card is used in conjunction with the action unit Determine whether the card has been registered in a blacklist at any time; 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, and if the card is not registered Registered in the black list, the stored card information will be forwarded and used. [Brief description of the drawings] In order to allow your reviewers to further understand the structure, characteristics and purpose of the present invention, the detailed description of the drawings and preferred embodiments are attached as follows:

Page 12 557442 V. Description of the invention (5) Figure 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. Figure 2 is a schematic diagram' It shows a configuration block 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' which respectively show a preferred embodiment according to the present invention A card issue information storage form in a mobile unit; FIG. 4 is a flowchart for explaining the black ^ (B / L) registration process in the system of FIG. 2; and FIG. 5 is a flowchart for explaining 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 ′ One of the card issuing systems shown in FIG. 1 includes a card issuing company server 10 for transmitting financial / identification (ID) card information, where the financial / identification (ID) card is issued by a customer Application for issuance. One line ^ The communication company 20 transmits the financial / identification (ID) card information transferred from the card issuing company server 10 to a 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 financial / identification (ID) card. As shown in FIGS. 3A and 3B, the storage form of the card information of the mobile unit 40 can be divided into two types. In FIG. 3A, financial / identification (ID) card information is stored in an action

Page 13 557442 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 (1C) chip 43, where 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 be any IC chip, such as a subscriber identity module (SIM), a universal subscriber identity module (USIM), and a user identity module. (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. Finance / identification (ID) with the above configuration according to the present invention

The operation of the line processing system will be described in detail below. A customer fills in an application card for issuing a card via a document or via a wired Internet or wireless R network, so that the customer has the information she or he has. The mobile unit 40 replaces a variety of different plastic cards and asks a film issuing company to issue a film. The card issuing company inspected ^ If the card issue has been approved after the application, the card information contains the shipping / identification (ID) card information such as-^ number, expiration date, card

The security number and personal identification information will be forwarded to the mobile communication company; / A card issuing company server 10 ^ The mobile communication company 20 has received the card information, and then transmits a card via a mobile communication network 30 Line No., the mobile unit 40 designated by the customer is known. The customer confirms the card issuance notification via the 4D early 7040. After that, the customer operated one of the keyboards on the bank's Early Yuan 40 and used the wireless Internet to connect wirelessly with $

557442 V. Description of the invention (7) To the mobile communication company 20 and a packet system. In the state of the wireless communication connection, the mobile communication company 20 transmits the card information received by the card issuing company server 10 to the mobile unit 40. The mobile unit 40 has received the card information and stored the card information in one of the mobile unit 40-the internal memory 41, as shown in FIG. 3A 'or stores the card information attached to the mobile unit 40. In a detachable 1C 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 negative information contained in the 1C chip 43, so that the customer loads the IC chip 43 to the mobile unit 4. 0 on. After the above φ processing, the mobile unit 40 can be used as a different financial checkout and / or ID confirmation device 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 use in a financial checkout and / or identification (ID) verification device, was published on October 18, 2001. In Korean Patent Publication No. 2001-90485, which is called "Optical payment transceiver and optical set system using the same", the 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 Figure 2 is the same as that in Figure 1. That is, one of the blacklist (B / L) processing systems in FIG. 2 includes a server server 10, a mobile communication company 20, a mobile communication network 30, and a mobile unit 40. Portable electrical cards to replace plastic cards.

Page 15 557442 V. Description of the invention (8) The server 10 of the card issuing company sends blacklist (B / L) information to suspend the transaction or accept the reason for the suspension of the transaction. The mobile communication company 20 may transmit the blacklist (B / L) information received by the card issuing company server 10 to the mobile unit 40 through the mobile communication network, by using a wireless communication method, For example, a short message service (SMS), a long message service (LMS), and a wireless application packet (WAP) method. Here, in order to make it easier to understand a case of using a short message service (SMS) will be described. The remote operation unit 40 receives the SMS and registers her or his card as a black list (B / L). Here, the mobile unit 40 registers the blacklist (B / L) information into an internal memory 41, as shown in FIG. 3A, or registers the blacklist (B / L) information to a detachable IC chip. In 43, as shown in FIG. 3β. A method of registering the blacklist (B / L) information in the action unit 40 will be described in detail with reference to FIG. 4.

In FIG. 4 > used to explain the blacklist (B / L) registration processing system in FIG. 2 'If a parent suspension reason occurs, that is, a customer ’s claim that his credit card is lost or stolen is received (step 4) 1) Or, as a result of judgment by a card issuing company, the credit card holder is a person with poor credit (step 402), and the card is issued by the company server 10 to determine whether the credit card with poor credit is stored.垓 The internal memory 41 of the action list 40 or in the detachable IC chip "(step 403). FThe credit card with bad credit is stored in the action unit 4 in the judgment result of step 40. 〇 The internal memory 41 or the 1C chip 43 of the :::, the card issuing company's server j identifies the internal β-the corresponding card of the action sheet 40, a phone number Shima, and Suspension

557442 5. The invention description (9), the change information or the suspension information is transmitted to the mobile communication company 20 together with the identification telephone number (step 404). 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 40 5). The mobile unit 40 having the transaction suspension information SMS logs the blacklist (B / L) information to an internal memory 41 or a detachable IC chip 43 (step 406). At the same time, if the bad credit card is not combined with a mobile unit in the judgment result of step 403, the card issuing company server 10 processes as usual (step 407). That is, a card suspended or suspended is registered in the card issuing company server 10 to approve the transaction of the card.暂停 When the action unit 40 is registered as a blacklist (B / L) and used to replace a plastic card, the method of suspending transactions will be described in detail below with reference to FIG. 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 the mobile unit 40 of the --- substitute substitute presses one of the mobile unit 40's financial / identification (ID) cards to use the buttons for payment settlement and / or ID confirmation, and transmits the finances. / Identification (ID) card information (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 ship 5 0 2 ). 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 program. If the action unit 4 〇 has not been judged in the judgment result of step 5 0 2

Page 17 557442 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 a card information receiver (step 503) and terminate the process.

As described above, a system and method for using wireless communication to issue ^ films 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 'low-value transactions that are received and approved without the need to check the blacklist (B / L) at the time of 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 present invention, the processing speed of the blacklist (B / L) in the mobile unit is faster than downloading the black name soap (B / L s) 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, and it is easy for people who are familiar with the technique to derive partial changes or modifications from the technical idea of the present invention, without departing from the scope of patent rights of the present invention.

Page 18 557442-Simple illustration of the drawing [Simplified illustration of the drawing] Fig. 1 is a schematic diagram showing the configuration of the system for accounting for 1/1 card according to one of the present invention, which uses a financial / 1D card for wireless communication. Block diagram. FIG. 2 is a block diagram showing the configuration of a blacklist (β / L) processing system using a wireless talk according to a preferred embodiment of the present invention. Figures 3A and 3B are schematic diagrams respectively showing storage forms of card issue information in a mobile unit according to a preferred embodiment of the present invention. 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. 10 Action Communication 30 Action Sheet 41 Integrated Telecommunications Corporation Yuan 40 Road (1C) Chip 43 [Illustration of Symbols of Graphic Components] Card Issuer's Server Mobile Communication Network Internal Recorder

Claims (1)

557442 6. Scope of patent application1. A card issuer using wireless communication and one of the old mobile units can be used to replace a piece of management system. The card issue and blacklist processing system includes: The server of the card issuing company, with a value card and / or identification (ID) card information of the card $ 3 ~ financial checkout card: (B / L) information to correspond to a black name automatic unit with easy exchange; U < The mobile communication company that bluffed the code is used to transmit the card information and blacklist information sent by the company to the bank's server side mobile unit for receiving and storing the data, :: The Card data tfl, receive the blacklist information and send the U bill 'In the service checkout card and 22 = the card: Pienpai News and the stored card information to identify, check whether the bei has been registered as The blacklist disables the G unit of the bank from performing card transactions; and a mobile communication network connects wirelessly between the mobile communications company and the mobile unit. &Amp; > 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 · Card wireless 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. Page 20 557442 6. Scope of patent application 4 · The card issuing 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 Forms of IC chips such as a subscriber identity module (Subscriber Identity Module), universal subscriber identity module (USIM), user identity module (UIM) and EMV methods, which can be used Loaded into a mobile phone, and the detachable IC chip can be implemented as a single-day chip or a one- or multi-chip form. · 5 · The card issuance and blacklist processing system using wireless communication as described in item 1 of the scope of the patent application, wherein the financial settlement card can be used as a settlement device including all forms, including a credit card, a loan j Card, a cash card, a department store card, an electronic wallet, a commodity contract, and a discount coupon. '6 · The wireless communication card, second and blacklist processing system described in item 1 of the scope of patent application, wherein the 1D card can be used as a user identification unit including all forms, including a health insurance card and An admission card stores personal ID information, a bonus card, and a family card, and an ID confirms that the ID card can receive various additional services. Table 7 II. The card hair bank 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, "Broadway and packet system" to connect to the mobile communication wirelessly Company to receive the card information via a radio communication method such as a short message service (SMS), a long flood service (LMS) and a wireless application packet (WAP) and 5 blacklists (B / L )Information. 557442 6. Scope of patent application 8. The card issuance and blacklist processing system using wireless communication as described in item 7 of the scope of patent application. If a reason for suspension of transaction occurs, the server of the card issuing company judges that the credit is poor. Whether the credit card is a credit card stored in the mobile unit, and if the result of the judgment is that the credit card with a bad credit is a credit card stored in the mobile unit, the server of the card issuing company recognizes a phone in the mobile unit Number, and send the identified phone number and the blacklist (B / L) information to the mobile communications company. If the result of the judgment is that the credit card with poor credit is not a credit card stored in the mobile unit, A credit card suspension transaction will be registered in the server of the card issuing company that performs credit card transaction authentication. 9. The card issuing and blacklist processing system using wireless communication as described in item 8 of the scope of patent application, wherein the mobile unit stores the card information, and then when the mobile unit is used as a substitute to replace a financial checkout card And / or identification (ID), it will check whether the card information has been registered as a blacklist 'and if the check result is in the registered blacklist, if the card information has been registered as a blacklist information, the card transaction Will be rejected, and if the card information is not registered as a blacklist information, the card information will be transmitted to allow a transaction and / or an identification. 1 0. — A blacklist processing method using wireless communication to suspend card transactions in a mobile phone or a personal digital assistant (PDA), in which a mobile unit can be used to replace a card and disable business transactions, the card The blacklist processing method includes the following steps ... Page 22 557442 VI. Patent application scope (a) Send blacklist information to an action unit, where the action unit corresponds to 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. 1 1. The blacklist processing method using wireless communication as described in item 10 of the scope of patent application, wherein in 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 is indicated A card is stored in the mobile unit; and (a2) in the result of the judgment, if the card information indicates that the card is stored in the mobile unit, a phone number of the mobile unit is identified, thereby transmitting blacklist information to A corresponding action unit. Page 23