WO2001095204A1 - Systeme et procede de commerce electronique utilisant des cartes de credit - Google Patents

Systeme et procede de commerce electronique utilisant des cartes de credit Download PDF

Info

Publication number
WO2001095204A1
WO2001095204A1 PCT/KR2001/000967 KR0100967W WO0195204A1 WO 2001095204 A1 WO2001095204 A1 WO 2001095204A1 KR 0100967 W KR0100967 W KR 0100967W WO 0195204 A1 WO0195204 A1 WO 0195204A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
card number
temporary
user
temporary credit
Prior art date
Application number
PCT/KR2001/000967
Other languages
English (en)
Inventor
Moon-Shin Zo
Original Assignee
Cd Cash Co., Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Cd Cash Co., Ltd. filed Critical Cd Cash Co., Ltd.
Priority to AU2001262794A priority Critical patent/AU2001262794A1/en
Publication of WO2001095204A1 publication Critical patent/WO2001095204A1/fr

Links

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • 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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

Definitions

  • the present invention relates to an electronic commerce (EC)
  • the present invention relates to an EC
  • FIG. 1 shows a general EC system.
  • the shopping mall merchant server 20 requests an
  • a payment gate 40 refers to an
  • a banking agency 50 such as a bank, a credit card company or an advance payment card company that issues the
  • IC integrated circuit
  • an EC system comprising a
  • authentication server for checking authentication states of a credit card
  • predetermined shopping mall server selects a credit card using
  • FIG. 1 shows a general EC system
  • FIG. 2 shows, an EC system using a credit card according to a
  • FIG. 3 shows a flowchart of an EC system using a credit card according to a preferred embodiment of the present invention
  • FIG. 4 shows a flowchart of an operation of a user personal
  • PC computer
  • FIG. 5 shows a flowchart of an operation of a temporary credit card
  • FIG. 2 shows an EC system using a credit card according to a
  • the EC system using a credit card comprises a client
  • the client system 100 comprises a user PC 110 capable of
  • the client system 100 receives an authentication on whether a
  • the user may type the credit card number used off line to
  • the authentication server 200 may be authenticated by the authentication server 200, or may install a credit
  • the credit card according to
  • the authentication server 200 comprises a member database, and
  • authentication server 200 performs an authentication according to member
  • the authentication server 200 connects the
  • the temporary credit card number generation server 300 comprises
  • the temporary credit card number generator 310 randomly
  • the lifetime generator 320 generates a lifetime of the temporary credit
  • a predetermined path such as a wire or
  • the shopping mall When an order is provided by the user PC 1 10, the shopping mall
  • server 400 provides a settlement platform to the user PC 1 10, and inquires
  • the shopping mall server provides an approval message of
  • the credit card company's server 500 checks their validity and provides a transaction-
  • FIG. 3 shows a flowchart of an EC system using a credit card
  • authentication server 200 transmits an authentication message to the user
  • the shopping mall server 400 When receiving the buying intention, the shopping mall server 400
  • the user PC 1 10 Upon receipt of the platform, the user PC 1 10 requests a temporary
  • the user may provide a
  • the user may edit together with the above-noted information.
  • the user may edit together with the above-noted information.
  • the user may
  • PSTN public switched telephone network
  • SM short message
  • the user PC 1 10 inputs the temporary credit card number to the
  • the user can type the temporary item
  • the shopping mall server 400 requests the credit card company's
  • the credit card company's server 500 inquires of the temporary
  • the credit card company's server 500 provides a transaction-valid
  • the shopping mall server 400 provides a
  • company's server 500 provides a transaction-invalid message to the
  • the shopping mall server 400 provides a
  • the credit card company's server 500 receives
  • the credit card company's server 500 may provide the corresponding transaction's validity states to the shopping mall server 400
  • FIG. 4 shows a flowchart of an operation of the user PC according to
  • step S120 the user accesses an on ⁇
  • step S140 such as selecting a settlement method in step S140.
  • generation server 300 is
  • step S160 the user can set the receipt route of information
  • the user PC 110 can previously set the lifetime of the temporary credit card number and request it from the
  • a temporary credit card number and a validity period are input from
  • step S180 the transaction is determined to be executed and is terminated
  • FIG. 5 shows a flowchart of an operation of the temporary credit card
  • holder is a registered card-holder and is authenticated in step S210, and
  • connection standby state when the holder is found to be authenticated, a connection standby state is
  • step S230 It is checked whether the user PC 1 10 requests a temporary credit card number and a validity period in step S230, and when the request is not
  • a route can be provided to the user PC using an on ⁇

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Cette invention se rapporte à un système et à un procédé de commerce électronique utilisant des cartes de crédit. Dans un tel système de commerce électronique comprenant un serveur de galerie marchande et un serveur de société de carte de crédit, un serveur d'authentification vérifiée l'authenticité d'une carte de crédit, un ordinateur personnel d'utilisateur exécute des opérations de commerce électronique en utilisant la carte de crédit authentifiée, et un serveur générateur de numéros de carte de crédit temporaires génère de façon aléatoire un numéro de carte de crédit temporaire et une date de validité et transmet le numéro de carte de crédit temporaire ainsi généré, la date de validité et la durée de validité du numéro correspondant à l'ordinateur personnel d'utilisateur, lorsqu'une demande pour un numéro de carte de crédit temporaire est introduite. Ainsi, le numéro de carte de crédit et la date de validité sont utilisés dans les opérations de commerce électronique sans être révélés à des tiers.
PCT/KR2001/000967 2000-06-08 2001-06-07 Systeme et procede de commerce electronique utilisant des cartes de credit WO2001095204A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001262794A AU2001262794A1 (en) 2000-06-08 2001-06-07 Electronic commerce system and method using credit card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR2000/31469 2000-06-08
KR1020000031469A KR20010112546A (ko) 2000-06-08 2000-06-08 신용카드를 이용한 전자상거래 시스템 및 방법

Publications (1)

Publication Number Publication Date
WO2001095204A1 true WO2001095204A1 (fr) 2001-12-13

Family

ID=19671445

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2001/000967 WO2001095204A1 (fr) 2000-06-08 2001-06-07 Systeme et procede de commerce electronique utilisant des cartes de credit

Country Status (3)

Country Link
KR (1) KR20010112546A (fr)
AU (1) AU2001262794A1 (fr)
WO (1) WO2001095204A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100257368A1 (en) * 2005-01-25 2010-10-07 Pak Kay Yuen Method of Secure Encryption
US7831513B2 (en) 2002-11-21 2010-11-09 Capital One Financial Corporation Systems and methods for soliciting customers using computer readable media
US20140379572A1 (en) * 2008-12-03 2014-12-25 Ebay Inc. System and method to allow access to a value holding account
US9805361B2 (en) 2012-11-12 2017-10-31 Kt Corporation Security in mobile payment service

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020003797A (ko) * 2000-07-08 2002-01-15 서동신 일회용 신용카드 번호를 제공하는 인터넷에서의 서비스 방식
KR20020015760A (ko) * 2000-08-23 2002-03-02 안세환 선등록 신용카드아이디를 통한 전자 결제 시스템 및 그시스템을 이용한 전자상거래방법
KR100441118B1 (ko) * 2001-06-19 2004-07-19 한국모바일페이먼트서비스(주) 일회용 가상 카드 서비스 시스템 및 방법
KR20010088928A (ko) * 2001-08-07 2001-09-29 허기행 가상 신용 번호를 이용하여 정보 유출을 방지하는 보안결제 시스템
KR20030050576A (ko) * 2001-12-19 2003-06-25 김덕우 전자 상거래용 카드 사용자 번호 생성 방법 및 이를이용한 결제 장치 및 결제 시스템
KR100543224B1 (ko) * 2002-11-14 2006-01-24 오성환 이동통신 단말기를 이용한 모바일 멤버십 카드 발행 및인증 시스템과 그 방법 및 그 방법에 대한 컴퓨터프로그램 소스를 저장한 기록매체
KR100786901B1 (ko) * 2005-08-22 2007-12-17 에스케이 텔레콤주식회사 이동 통신 단말기를 이용한 임시 아이디 카드 발급 방법
KR100871970B1 (ko) * 2007-02-23 2008-12-08 에스케이 텔레콤주식회사 임시카드번호를 이용한 할인결제방법 및 시스템.
KR100867617B1 (ko) * 2008-02-18 2008-11-10 (주)삼우종합건축사사무소 축광성 분체도료 및 그 제조방법
KR100963926B1 (ko) * 2008-04-30 2010-06-17 주식회사 신한은행 외국인 관광객용 카드 운용 방법 및 시스템과 이를 위한기록매체
WO2010096245A2 (fr) * 2009-02-17 2010-08-26 Tseryeng Lin Représentation sécurisée d'informations de paiement
KR101354388B1 (ko) 2012-12-12 2014-01-23 신한카드 주식회사 일회성 카드번호 생성방법

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09282383A (ja) * 1996-04-12 1997-10-31 Akira Sugiyama 通信取引における取引者確認システム並びに取引者相 互確認システム
JPH09282371A (ja) * 1996-04-10 1997-10-31 Hiroyuki Komai 電子決済システム

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09282371A (ja) * 1996-04-10 1997-10-31 Hiroyuki Komai 電子決済システム
JPH09282383A (ja) * 1996-04-12 1997-10-31 Akira Sugiyama 通信取引における取引者確認システム並びに取引者相 互確認システム

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7831513B2 (en) 2002-11-21 2010-11-09 Capital One Financial Corporation Systems and methods for soliciting customers using computer readable media
US20100257368A1 (en) * 2005-01-25 2010-10-07 Pak Kay Yuen Method of Secure Encryption
US8595508B2 (en) * 2005-01-25 2013-11-26 Pak Kay Yuen Method of secure encryption
US20140379572A1 (en) * 2008-12-03 2014-12-25 Ebay Inc. System and method to allow access to a value holding account
US9361647B2 (en) * 2008-12-03 2016-06-07 Paypal, Inc. System and method to allow access to a value holding account
US9805361B2 (en) 2012-11-12 2017-10-31 Kt Corporation Security in mobile payment service

Also Published As

Publication number Publication date
AU2001262794A1 (en) 2001-12-17
KR20010112546A (ko) 2001-12-20

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