WO2012112005A3 - 중계 장치와 이동통신 단말을 포함하는 카드 결제 시스템 및 이 시스템에 포함되는 장치 및 그 장치에서 수행되는 카드 결제를 위한 방법 - Google Patents

중계 장치와 이동통신 단말을 포함하는 카드 결제 시스템 및 이 시스템에 포함되는 장치 및 그 장치에서 수행되는 카드 결제를 위한 방법 Download PDF

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Publication number
WO2012112005A3
WO2012112005A3 PCT/KR2012/001222 KR2012001222W WO2012112005A3 WO 2012112005 A3 WO2012112005 A3 WO 2012112005A3 KR 2012001222 W KR2012001222 W KR 2012001222W WO 2012112005 A3 WO2012112005 A3 WO 2012112005A3
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WO
WIPO (PCT)
Prior art keywords
credit card
card payment
payment
customer
mobile communication
Prior art date
Application number
PCT/KR2012/001222
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English (en)
French (fr)
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WO2012112005A2 (ko
Inventor
박경양
정훈준
박효준
Original Assignee
주식회사 하렉스인포텍
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Publication date
Application filed by 주식회사 하렉스인포텍 filed Critical 주식회사 하렉스인포텍
Priority to CN2012800092784A priority Critical patent/CN103380435A/zh
Priority to US13/985,969 priority patent/US20130325712A1/en
Publication of WO2012112005A2 publication Critical patent/WO2012112005A2/ko
Publication of WO2012112005A3 publication Critical patent/WO2012112005A3/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
    • G06Q20/34—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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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]
    • 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
    • G06Q20/38—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
    • G06Q20/409—Device specific authentication in transaction processing

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

Abstract

카드 결제 시스템이 개시된다. 이 카드 결제 시스템은 가맹점 식별자 및 결제금액이 포함된 결제관련정보를 전송하는 가맹점 단말, 및 가맹점 단말로부터 전송되는 결제관련정보를 메모리에 저장하며, 고객의 이동통신 단말을 이용한 카드 결제를 위해 메모리에 저장된 결제관련정보를 고객의 이동통신 단말로 전송하는 중계 장치를 포함한다. 이에 의해 고객은 가맹점에 결제카드를 제시하지 않고서도 자신의 이동통신 단말을 이용하여 안전하고 신속한 신용거래를 수행할 수 있음은 물론, 계산대로의 불필요한 이동 없이 자신의 금융정보를 노출하지 않으면서도 가맹점 내 원하는 자리에서 신용거래를 수행할 수 있다.
PCT/KR2012/001222 2011-02-18 2012-02-17 중계 장치와 이동통신 단말을 포함하는 카드 결제 시스템 및 이 시스템에 포함되는 장치 및 그 장치에서 수행되는 카드 결제를 위한 방법 WO2012112005A2 (ko)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CN2012800092784A CN103380435A (zh) 2011-02-18 2012-02-17 包括中继装置和移动通信终端的卡结算系统和该系统所包括的装置及用于该装置中执行的卡结算的方法
US13/985,969 US20130325712A1 (en) 2011-02-18 2012-02-17 Card payment system including mobile communication terminal and mobile relay device, apparatuses in the system and method for card payment in the apparatuses

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2011-0014641 2011-02-18
KR1020110014641A KR101195182B1 (ko) 2011-02-18 2011-02-18 중계 장치와 이동통신 단말을 포함하는 카드 결제 시스템 및 이 시스템에 포함되는 장치 및 그 장치에서 수행되는 카드 결제를 위한 방법

Publications (2)

Publication Number Publication Date
WO2012112005A2 WO2012112005A2 (ko) 2012-08-23
WO2012112005A3 true WO2012112005A3 (ko) 2012-11-22

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2012/001222 WO2012112005A2 (ko) 2011-02-18 2012-02-17 중계 장치와 이동통신 단말을 포함하는 카드 결제 시스템 및 이 시스템에 포함되는 장치 및 그 장치에서 수행되는 카드 결제를 위한 방법

Country Status (4)

Country Link
US (1) US20130325712A1 (ko)
KR (1) KR101195182B1 (ko)
CN (2) CN103380435A (ko)
WO (1) WO2012112005A2 (ko)

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Also Published As

Publication number Publication date
US20130325712A1 (en) 2013-12-05
KR101195182B1 (ko) 2012-10-29
WO2012112005A2 (ko) 2012-08-23
CN109102275A (zh) 2018-12-28
CN103380435A (zh) 2013-10-30
KR20120095143A (ko) 2012-08-28

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