WO2012030162A3 - Card payment method, card payment system, and mobile terminal thereof - Google Patents

Card payment method, card payment system, and mobile terminal thereof Download PDF

Info

Publication number
WO2012030162A3
WO2012030162A3 PCT/KR2011/006464 KR2011006464W WO2012030162A3 WO 2012030162 A3 WO2012030162 A3 WO 2012030162A3 KR 2011006464 W KR2011006464 W KR 2011006464W WO 2012030162 A3 WO2012030162 A3 WO 2012030162A3
Authority
WO
WIPO (PCT)
Prior art keywords
mobile terminal
card
information
franchise
card payment
Prior art date
Application number
PCT/KR2011/006464
Other languages
French (fr)
Korean (ko)
Other versions
WO2012030162A2 (en
Inventor
성기윤
Original Assignee
비씨카드 주식회사
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 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Publication of WO2012030162A2 publication Critical patent/WO2012030162A2/en
Publication of WO2012030162A3 publication Critical patent/WO2012030162A3/en

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
    • 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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/06009—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking
    • G06K19/06018—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding
    • G06K19/06028—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code with optically detectable marking one-dimensional coding using bar 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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • 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

Landscapes

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

Abstract

The present invention relates to a card payment method, a card payment system, and a mobile terminal thereof, which reduce approval commission by reducing VAN service and also alleviate the anxiety for fraudulent card use by receiving franchise information and purchase information from a franchise terminal through a mobile terminal that a user carries and directly making a payment request to a card company server through a wireless network on the basis of the received franchise information and purchase information. The card payment method according to an embodiment of the present invention includes receiving franchise information and purchase information through a wireless communication unit of a mobile terminal; receiving a card selection input from a user through a user input unit of the mobile terminal; making a payment request to a card company server on the basis of the franchise information, purchase information, and card information that a user selects through the wireless communication unit of the mobile terminal; receiving an approval result on the payment request from the card company server through the wireless communication unit of the mobile terminal; and transmitting the received approval result to the franchise terminal through the wireless communication unit of the mobile terminal.
PCT/KR2011/006464 2010-08-31 2011-08-31 Card payment method, card payment system, and mobile terminal thereof WO2012030162A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020100084652A KR20120020804A (en) 2010-08-31 2010-08-31 Method and system of payment, and mobile terminal thereof
KR10-2010-0084652 2010-08-31

Publications (2)

Publication Number Publication Date
WO2012030162A2 WO2012030162A2 (en) 2012-03-08
WO2012030162A3 true WO2012030162A3 (en) 2012-04-19

Family

ID=45773392

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2011/006464 WO2012030162A2 (en) 2010-08-31 2011-08-31 Card payment method, card payment system, and mobile terminal thereof

Country Status (2)

Country Link
KR (1) KR20120020804A (en)
WO (1) WO2012030162A2 (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101473117B1 (en) * 2013-12-31 2014-12-15 이도훈 Mobile point-of-sale system for reverse settlement, and method thereof
EP3518567B1 (en) * 2014-09-26 2020-09-09 Visa International Service Association Remote server encrypted data provisioning system and methods
US20180268403A1 (en) * 2015-01-27 2018-09-20 Abhishek Guglani Multiple protocol transaction encryption
CN106412041B (en) 2016-09-20 2020-03-03 徐蔚 System for connecting mobile terminal with service providing equipment and service providing method
KR102205947B1 (en) * 2018-11-19 2021-01-21 (주)삼위 Credit card payment method for e-business

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone
KR20060016381A (en) * 2004-08-17 2006-02-22 조배수 System and method for settling accounts using the payment terminal communitatting with a mobile terminal by radio frequency

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone
KR20060016381A (en) * 2004-08-17 2006-02-22 조배수 System and method for settling accounts using the payment terminal communitatting with a mobile terminal by radio frequency

Also Published As

Publication number Publication date
KR20120020804A (en) 2012-03-08
WO2012030162A2 (en) 2012-03-08

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