WO2002080122A1 - Procede et systeme de reglement de transactions financieres a l'aide d'un terminal portatif de communication mobile contenant des informations financieres - Google Patents

Procede et systeme de reglement de transactions financieres a l'aide d'un terminal portatif de communication mobile contenant des informations financieres Download PDF

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Publication number
WO2002080122A1
WO2002080122A1 PCT/KR2002/000495 KR0200495W WO02080122A1 WO 2002080122 A1 WO2002080122 A1 WO 2002080122A1 KR 0200495 W KR0200495 W KR 0200495W WO 02080122 A1 WO02080122 A1 WO 02080122A1
Authority
WO
WIPO (PCT)
Prior art keywords
financial information
mobile communications
electronic wallet
wallet management
communications terminal
Prior art date
Application number
PCT/KR2002/000495
Other languages
English (en)
Inventor
Chul-Ki Kim
Original Assignee
Harexinfotech Inc.
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 Harexinfotech Inc. filed Critical Harexinfotech Inc.
Publication of WO2002080122A1 publication Critical patent/WO2002080122A1/fr

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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • 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
    • G06Q20/30—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
    • G06Q20/30—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
    • G06Q20/346—Cards serving only as information carrier of service

Definitions

  • the present invention relates to an optical settlement system using a mobile communications portable terminal to which an optical transceiver is attached, and more particularly, to a method and system for settling various financial transactions through a mobile communications portable terminal in which an electronic wallet management number called a secret number is introduced to prevent financial settlement information contained in the mobile communications portable terminal from being illegally copied and used.
  • the cards are classified into a credit card, a cash card, a direct payment card, an advance payment card, and so on according to a settlement method. Also, the cards are classified into a traffic card, a department store card, a gas filling card, a park entrance card and so on according to a use method. A credit card and an advance payment card are used as a traffic card, respectively. Cards which are frequently used are made of plastic, in which a magnetic recording surface exists in the form of a magnetic strip which contains card information such as a card identification number and a valid date.
  • the plastic card having a magnetic recording surface in the form of a magnetic strip may be replaced by a mobile communications portable terminal to which an optical transceiver such as a portable phone or a personal digital assistance (PDA) is attached, in order to avoid a loss or an illegal use.
  • PDA personal digital assistance
  • new settling systems which can replace a plastic magnetic card have been proposed in Korean Patent Application No. 2000-13426 entitled “Commercial system using mobile phone” and Korean Patent Application No. 2000-31640 (Patent Laid-open Publication No. 2001-112562 on December 20, 2001 ) entitled “Settling method using mobile phone.”
  • an optical transceiver is attached to a portable mobile phone which is being widely used, and an optical receiver is attached to a credit inquiry machine.
  • card information is contained in the mobile phone to which the optical transceiver is attached.
  • the card information can be optically transmitted and received between the mobile phone and the credit inquiry machine, without using a credit card.
  • a mobile communications terminal containing card information is used as a substitute of a magnetic card such as a credit card, an advance payment card, and a bank settlement card
  • the card information if the card information is contained in the mobile communications terminal without any modification, it may be copied and used illegally.
  • card information is stored in a memory device provided in a mobile communications terminal
  • one who understands the technology of the mobile communications terminal may copy the card information stored in the memory device by use of professional equipment.
  • card issuance authorities such as card companies and banks endeavor to avoid card information from being stored in a mobile communications terminal in the form of the same card information as that stored in a magnetic card.
  • an object of the present invention to provide a method and system for settling financial transactions with a mobile communications terminal containing financial information, in which an electronic wallet management number (such as a secret number) is used as a key of an encryption algorithm, to encrypt customer's financial information and store the encrypted customer's financial information in a mobile communications terminal to thereby enhance a security of the financial transactions.
  • an electronic wallet management number such as a secret number
  • a method for settling financial transactions with a mobile communications terminal containing financial information in which the mobile communications terminal to which an optical transceiver is attached is used as a substitute of a credit card
  • the financial transactions settlement method comprising the steps of: (a) inputting an electronic wallet management number such as a secret number at the time of application of a card issuance; (b) encrypting financial information including a customer's inherent card number by using the input customer's inherent electronic wallet management number such as a secret number; (c) storing the encrypted financial information in the mobile communications terminal; (d) coinciding a settlement secret number with the electronic wallet management number such as a secret number input during the card issuance application in the mobile communications terminal; (e) inputting the electronic wallet management number such as a secret number into the mobile communications terminal during the financial transactions to thus select a settlement mode; (f) transmitting the encrypted financial information stored in the mobile communications terminal and the electronic wallet management number such as a secret number at the settlement mode; (g)
  • a system for settling financial transactions with a mobile communications terminal containing financial information in which the mobile communications terminal to which an optical transceiver is attached is used as a substitute of a credit card
  • the financial transactions settlement system comprising: a banking authority for encrypting customer's financial information by using a customer's inherent electronic wallet management number such as a secret number of a customer who requests for issuance of a credit card, storing the encrypted financial information in the mobile communications terminal designated by the mobile communications terminal, and approving the settlement requested financial information; a mobile communications terminal for storing financial information input from the banking authority, and optically transmitting the electronic wallet management number such as a secret number together with the financial information containing the electronic wallet management number such as a secret number input at a settlement mode; a point of sale (POS) terminal/card inquiry machine for receiving the optically transmitted financial information and the electronic wallet management number such as a secret number, decoding the financial information by using the received electronic wallet management number such as a secret number, and requesting for a settlement of customer'
  • FIG. 1 shows a configuration of a financial transactions settlement system to which the present invention is applied
  • FIG. 2 is a flowchart view for explaining a method for storing financial information in a mobile communications terminal in the FIG. 1 system
  • FIG. 3 is a flowchart view for explaining a financial transactions settlement process using the mobile communications terminal containing the financial information.
  • a financial transactions settlement system shown in FIG. 1 includes a portable mobile communications terminal 10 to which an optical transceiver such as a portable phone or a PDA which is possessed by a card issuance applicant is attached, and a banking authority 40 such as a card company or a bank for encrypting financial information including a card number and inputting the encrypted financial information to the mobile communications terminal 10, to then issue a card.
  • a POS terminal or a card inquiry machine 20 to which an optical transceiver is attached receives optically transmitted financial information to then perform a financial transaction settlement process.
  • VAN company 30 which receives an approval request from the POS terminal or card inquiry machine 20 and then transfers the received approval request to a corresponding baking authority 40, and then transfers the approval result to the POS terminal or card inquiry machine 20 which has sent the approval request.
  • the operation of the financial transactions settlement system of FIG. 1 for settling financial transactions with the mobile communications terminal 10 containing financial information will be described below with respect to FIGs. 2 and 3. First, a procedure of issuing a card to the mobile communications terminal
  • a customer makes up an application for using a portable mobile communications terminal 10 owned by him or her as a card, and applies an issuance of a settlement card for use in the mobile communications terminal 10 to a corresponding banking authority 40 such as a card company or bank which can issue cards for customers.
  • a banking authority 40 such as a card company or bank which can issue cards for customers.
  • the customer additionally writes in a secret number for a settlement mode of the terminal (step 201).
  • the settlement mode secret number is an electronic wallet management number in which personal financial information is collected.
  • the electronic wallet management number such as a secret number is typically four digits, but can be increased more than four digits according to needs of the banking authority 40.
  • the banking authority 40 examines the mobile communications terminal card issuance application, and then if the application is approved, the electronic wallet management number such as a secret number applied by the customer is used as a key of an encryption algorithm, to thus encrypt financial information such as a card number and a valid date (step 202).
  • an encryption method an algorithm of a symmetric key encryption technique such as DES (Data Encryption Standard) and an electronic wallet management number such as a secret number requested by the customer, are used as a key, and declarative sentence information such as a card number and a valid date to be recorded on a recording surface of the magnetic card and the inherent encrypted information of the banking authority are encrypted once more.
  • the mobile communications terminal card increases its security in comparison with the magnetic card.
  • the banking authority 40 can encrypts only part of the financial information or additionally encrypts other information such as a telephone number.
  • the inherent number of the PDA is additionally encrypted.
  • the encrypted other information can be used for authenticating a true person during settlement.
  • the banking authority 40 inputs the encrypted financial information to the mobile communications terminal 10 directly by cable, or wirelessly using a wireless communications network (step 203). That is, in the case that a customer visits the banking authority 40 directly with the mobile communications terminal 10 held, the banking authority 40 inputs the encrypted financial information to the mobile communications terminal 10 via an interface (not shown) provided in the lower end of the mobile communications terminal 10 for the sake of securities.
  • the mobile communications terminal 10 stores the input financial information in an internal memory or an external memory such as a detachable IC chip, so that the stored financial information can be used for settlement of later card transactions. According to selection of customers, financial information can be input to the mobile communications terminal 10 using a wireless network.
  • the customer coincides the electronic wallet management number such as a secret number of the settlement mode with the electronic wallet management number such as a secret number input during application of the card (step 204).
  • the electronic wallet management number such as a secret number is encrypted in the form of an irreversible function, and stored in the mobile communications terminal 10, its security can be further increased.
  • the mobile communications terminal 10 can be used as a substitute of a plastic card having a magnetic recording surface.
  • a customer manipulates a keypad on the mobile communications terminal 10 containing the financial information and inputs the electronic wallet management number such as a secret number, to thereby select a financial settlement mode (step 301).
  • the settlement mode electronic wallet management number such as a secret number corresponds to the electronic wallet management number such as a secret number applied at the time of applying the card issuance.
  • the mobile communications terminal 10 encrypts the input electronic wallet management number such as a secret number into an irreversible function, and ascertains whether the encrypted value equals the encrypted value of the electronic wallet management number such as a secret number which has been encrypted into an irreversible function and then stored (step 302).
  • both management numbers such as secret numbers equal each other
  • the mobile communications terminal 10 performs a settlement mode normally. If both the management numbers do not equal at step 302, a management number is re-input more than a predetermined number of times to ascertain the management number. If the management number does not equal the stored management number more than a predetermined number of times (step 304), the settlement mode is locked to prevent the electronic wallet management number such as a secret number from being exposed (step 305). At a normal settlement mode, the customer selects the kind of a card to be used (step 303).
  • the customer presses a predetermined transmit button on a keypad of the mobile communications terminal 10, so that the financial information and the electronic wallet management number such as a secret number corresponding to the kind of the selected card among the financial information stored in the mobile communications terminal 10 can be transmitted to a POS terminal or a card inquiry machine 20 (step 306).
  • the mobile communications terminal 10 transmits the information corresponding to the card selected by the user among various kinds of the stored card information such as credit card information, direct payment information and advance payment card information, in the form of an infrared (Ir) ray, together with the electronic wallet management number such as a secret number.
  • Ir infrared
  • an encryption algorithm is used for communications between the mobile communications terminal 10 and the POS terminal or card inquiry machine 20, to thus increase a security.
  • An optical transceiver is attached to a portable temiinal such as a portable phone, a PDA, a notebook computer, in the case of the present invention.
  • the present invention uses the optical transceiver attached to the mobile communications terminal 10, to perform an optical transmission and reception.
  • the optical transceiver is connected internally or externally to the POS terminal or card inquiry machine 20 in a card affiliated store, to thereby receive the financial information and the electronic wallet management number such as a secret number which is optically transmitted from the customer's mobile communications terminal 10. It is usually a short distance of about one meter between the mobile communications terminal 10 and the optical transceiver in the POS terminal or card inquiry machine 20. Also, since light used in the optical transceiver has a linearity, it is difficult to copy the financial information and the secret number illegally.
  • the owner of a POS terminal or card inquiry machine 20 may copy the financial information and the secret number illegally, through a current wired communications network, which will not be discussed herein since an illegal copy through the wired communications network is distinct from the illegal copy in the optical communications used in the present invention.
  • the POS terminal or card inquiry machine 20 performs only a decoding algorithm without keeping a separate encryption key, and decodes the encrypted financial information once more by using the received electronic wallet management number such as a secret number (step 307).
  • the POS terminal or card inquiry machine 20 transmits the financial information decoded and restored into the original state to the card company 40 via the VAN company 30 as in an existing financial transactions system, so that a computerized network in the card company 40 can determine whether an approval of the financial transaction can be made (step 308). If the received electronic wallet management number such as a secret number is different from the stored electronic wallet management number such as a secret number, the financial information decoded by using the different electronic wallet management number such as a secret number is different from the original financial information. Thus, an approval is not made.
  • the mobile communications terminal 10 transmits the encrypted electronic wallet management number such as a secret number together with the encrypted customer's telephone number or the device inherent number, during transmission of the encrypted information.
  • the POS terminal or card inquiry machine 20 compares the telephone number in the decoded information with the received telephone number, to perform an authentication of a true person.
  • a true person authentication may be done by using the customer's other information other than the telephone number.
  • the POS terminal or card inquiry machine 20 can obtain a quick approval without passing through a database in the banking authority 40 at a petty settlement mode or traffic mode, which provides much conveniences.
  • the mobile communications terminal 10 may be automatically changed into a telephone use mode.
  • the mobile communications terminal 10 may request for the electronic wallet management number such as a secret number to be inputted again.
  • the customer does not need to go to a counter in order to secure a transaction at a restaurant or gas station, which provides much conveniences.
  • a credit settlement through the mobile communications terminal 10 can be done comfortably.
  • a card information confirmation menu is selected and then a decoding program in the mobile communications terminal 10 is executed, so that information such as a card number and a valid date can be displayed on a screen.
  • the method and system for settling financial transactions with a mobile communications terminal containing financial information encrypts financial information with a respective different symmetric key for each customer and then inputs the encrypted financial information in the mobile communications terminal to which an optical transceiver is attached, for a substitute use of an existing plastic card having a magnetic recording surface. Accordingly, all financial transactions can be settled with a mobile communications terminal without holding a wallet separately. Further, the present invention provides an electronic wallet which can store various cards and financial information simultaneously. Also, the card company can increase conveniences for customers, enhance a security of settlement of financial transactions and thus maximize profit, without any alteration of the existing system. Also, a cost for issuance of cards which should be continuously issued regularly and at interval can be reduced.
  • the method and system for settling financial transactions with a mobile communications terminal containing financial information can be applied in a financial settlement card field where all forms of cards such as credit cards, direct payment cards, cash cards, department store cards, electronic money cards, a merchandise bond or coupon can be used as settlement means, and in an identification (ID) card field where all forms of cards such as health insurance cards and entrance cards containing personal ID information, bonus cards which can receive various additional services through ID confirmation, and family cards can be used as personal identification means.
  • ID identification

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

Abstract

La présente invention concerne un procédé et un système qui permettent d'effectuer le règlement de transactions financières avec un terminal (10) de communication mobile contenant des informations financières. Des informations telles qu'un numéro de carte et une date de validité sont chiffrées au moyen d'un numéro de gestion de portefeuille électronique propre au client tel qu'un numéro secret au moment de l'application d'émission d'une carte, puis les informations financières chiffrées sont entrées dans un terminal (10) de communication mobile désigné par un consommateur, directement ou via un réseau de communication. Lorsqu'un consommateur souhaite régler des transactions financières par l'intermédiaire de son terminal (10) de communication sans fil, il ou elle entre son numéro de gestion de portefeuille électronique pour transmettre optiquement les informations financières chiffrées et son numéro de gestion de portefeuille électronique à un terminal de point de vente (TPV) ou à une machine demandant des informations de carte situé dans un magasin affilié. Le terminal TPV (20) ou la machine demandant des renseignements de carte qui a reçu les informations financières et le numéro de gestion du portefeuille électronique transmis optiquement décode les informations financières chiffrées au moyen du numéro de gestion du porte feuille électronique reçu. De cette manière, sauf si le numéro de gestion du portefeuille électronique du consommateur, tel qu'un numéro secret, est exposé illégalement, aucune personne connaissant un algorithme cryptographique ne peut utiliser les informations financières du consommateur de manière illégale.
PCT/KR2002/000495 2001-03-30 2002-03-22 Procede et systeme de reglement de transactions financieres a l'aide d'un terminal portatif de communication mobile contenant des informations financieres WO2002080122A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR2001/16853 2001-03-30
KR1020010016853A KR20020076750A (ko) 2001-03-30 2001-03-30 이동통신단말기에 금융정보를 내장하여 결제하는 방법 및그 시스템

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WO2002080122A1 true WO2002080122A1 (fr) 2002-10-10

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WO (1) WO2002080122A1 (fr)

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EP1492066A1 (fr) * 2003-06-26 2004-12-29 Siemens Schweiz AG Procédé de facturation alternative pour appels sortant en cas de roaming
WO2005022471A1 (fr) * 2003-08-29 2005-03-10 Harexinfotech Inc. Procede d'interfaçage d'utilisateur pour paiement, par telephone portable
CN100372409C (zh) * 2003-06-20 2008-02-27 黄金富 反传统流程并动态加密的双手机的pos机交易方法
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KR20030074853A (ko) * 2002-03-14 2003-09-22 주식회사 하렉스인포텍 휴대단말기를 이용한 상거래에서의 금융/ｉｄ카드본인인증방법 및 그 장치
KR20040036503A (ko) * 2002-10-23 2004-04-30 보나뱅크(주) 전자금융거래 및 전사적자원관리용 금융복합 ｐｄａ단말기 및 그 이용방법
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