WO2011034311A3 - 자가 카드결제 서비스 제공방법 - Google Patents

자가 카드결제 서비스 제공방법 Download PDF

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Publication number
WO2011034311A3
WO2011034311A3 PCT/KR2010/006144 KR2010006144W WO2011034311A3 WO 2011034311 A3 WO2011034311 A3 WO 2011034311A3 KR 2010006144 W KR2010006144 W KR 2010006144W WO 2011034311 A3 WO2011034311 A3 WO 2011034311A3
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WO
WIPO (PCT)
Prior art keywords
card
information
approval
transactions
providing
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Application number
PCT/KR2010/006144
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English (en)
French (fr)
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WO2011034311A2 (ko
Inventor
서용수
Original Assignee
주식회사 솔버스
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Application filed by 주식회사 솔버스 filed Critical 주식회사 솔버스
Publication of WO2011034311A2 publication Critical patent/WO2011034311A2/ko
Publication of WO2011034311A3 publication Critical patent/WO2011034311A3/ko

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/313—User authentication using a call-back technique via a telephone network
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps

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

Abstract

본 발명에 의한 자가 카드결제 서비스 제공방법은 상기 고객 단말에 탑재된 브이엠(VM)이 구동되어 자가 카드결제에 이용될 하나 이상의 카드 정보를 상기 고객 단말의 화면표시수단으로 출력하는 출력단계; 선택된 카드 정보에 해당하는 대체 식별 정보와 대금 정보가 서비스 서버로 전송되는 전송단계; 및 상기 서비스 서버가 상기 전송된 대체 식별 정보와 대금 정보를 카드사 서버에 전송하여 거래 승인을 요청하고, 승인 완료시 상기 가맹점과 고객의 단말에 승인 결과를 통보하는 결과통보단계를 포함하여 구성된다. 상기 본 발명에 의하면 카드 가맹점, 판매자 또는 온라인 쇼핑몰 등과 같은 물품(용역) 판매 주체뿐만 아니라 중개를 담당하는 서버에도 고객의 개인 정보 또는 카드 정보 등이 전혀 노출되지 않도록 구성함으로써 종래 신용카드 거래와 관련된 제반 안전 사고를 더욱 효과적으로 예방할 수 있음은 물론, 구매자 등에게 물품 또는 서비스 등의 구매에 관한 시공간적 제약을 해소시킬 수 있어 카드 거래의 더욱 활성화된 접근 용이성 내지 편익을 제공할 수 있다.
PCT/KR2010/006144 2009-09-15 2010-09-09 자가 카드결제 서비스 제공방법 WO2011034311A2 (ko)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2009-0087163 2009-09-15
KR1020090087163A KR20110029478A (ko) 2009-09-15 2009-09-15 자가 카드결제 서비스 제공방법

Publications (2)

Publication Number Publication Date
WO2011034311A2 WO2011034311A2 (ko) 2011-03-24
WO2011034311A3 true WO2011034311A3 (ko) 2011-08-04

Family

ID=43759150

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2010/006144 WO2011034311A2 (ko) 2009-09-15 2010-09-09 자가 카드결제 서비스 제공방법

Country Status (2)

Country Link
KR (1) KR20110029478A (ko)
WO (1) WO2011034311A2 (ko)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101227615B1 (ko) * 2011-07-26 2013-01-29 이왕주 모바일 결제 중개 시스템
KR101357856B1 (ko) * 2011-11-08 2014-02-06 (주)와이제이인터와이드 모바일 중개 서버
KR101335625B1 (ko) * 2012-03-29 2013-12-02 이왕주 결제 대행 시스템

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20030033876A (ko) * 2001-10-25 2003-05-01 주식회사 세이브코리아 인터넷과 휴대폰을 이용한 신용카드 결제 시스템 및 그 방법
KR20040050443A (ko) * 2002-12-10 2004-06-16 주식회사 웰게이트 모바일 단말기를 이용한 전자 결제 방법 및 시스템
KR20060098023A (ko) * 2005-03-08 2006-09-18 이처닷컴 주식회사 휴대전화를 이용한 모바일 통합 결제 시스템 및 방법
KR20080064789A (ko) * 2008-06-20 2008-07-09 장승욱 이동통신단말 기반의 개방형 전자지불결제(u-PG) 서비스

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20030033876A (ko) * 2001-10-25 2003-05-01 주식회사 세이브코리아 인터넷과 휴대폰을 이용한 신용카드 결제 시스템 및 그 방법
KR20040050443A (ko) * 2002-12-10 2004-06-16 주식회사 웰게이트 모바일 단말기를 이용한 전자 결제 방법 및 시스템
KR20060098023A (ko) * 2005-03-08 2006-09-18 이처닷컴 주식회사 휴대전화를 이용한 모바일 통합 결제 시스템 및 방법
KR20080064789A (ko) * 2008-06-20 2008-07-09 장승욱 이동통신단말 기반의 개방형 전자지불결제(u-PG) 서비스

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Publication number Publication date
KR20110029478A (ko) 2011-03-23
WO2011034311A2 (ko) 2011-03-24

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