WO2015083918A1 - Procédé et système pour assurer un service de paiement - Google Patents

Procédé et système pour assurer un service de paiement Download PDF

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Publication number
WO2015083918A1
WO2015083918A1 PCT/KR2014/007192 KR2014007192W WO2015083918A1 WO 2015083918 A1 WO2015083918 A1 WO 2015083918A1 KR 2014007192 W KR2014007192 W KR 2014007192W WO 2015083918 A1 WO2015083918 A1 WO 2015083918A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
information
authentication number
user terminal
affiliated store
Prior art date
Application number
PCT/KR2014/007192
Other languages
English (en)
Korean (ko)
Inventor
김명석
장석호
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
Priority to KR10-2013-0151819 priority Critical
Priority to KR20130151819 priority
Priority to KR1020140036181A priority patent/KR101624282B1/ko
Priority to KR10-2014-0036181 priority
Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Priority claimed from CN201480060520.XA external-priority patent/CN105745677A/zh
Publication of WO2015083918A1 publication Critical patent/WO2015083918A1/fr

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Use of a security embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/325Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices using wireless networks
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes with the personal data files for a user
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification number [PIN]

Abstract

L'invention concerne un procédé destiné à assurer un service de paiement au moyen d'un terminal de magasin affilié, le procédé comportant les étapes consistant à: (a) recevoir des éléments multiples d'informations de remplacement de moyens de paiement stockés pour coïncider avec un utilisateur correspondant à des informations d'identification d'un terminal d'utilisateur, en provenance d'un serveur de paiement qui a reçu, en provenance du terminal d'utilisateur, une demande de paiement comprenant un premier numéro d'authentification, des informations de position du terminal d'utilisateur et des informations d'identification du terminal d'utilisateur; (b) saisir des informations de sélection sur un des éléments multiples d'informations de remplacement de moyens de paiement et le premier numéro d'authentification; et (c) envoyer au serveur de paiement une demande d'homologation de paiement comprenant les informations de sélection de moyen de paiement, le premier numéro d'authentification et un deuxième numéro d'authentification.
PCT/KR2014/007192 2013-12-06 2014-08-05 Procédé et système pour assurer un service de paiement WO2015083918A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
KR10-2013-0151819 2013-12-06
KR20130151819 2013-12-06
KR1020140036181A KR101624282B1 (ko) 2013-12-06 2014-03-27 결제 서비스를 제공하기 위한 방법 및 시스템
KR10-2014-0036181 2014-03-27

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201480060520.XA CN105745677A (zh) 2013-12-06 2014-08-05 用于提供支付服务的方法及系统

Publications (1)

Publication Number Publication Date
WO2015083918A1 true WO2015083918A1 (fr) 2015-06-11

Family

ID=53273642

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2014/007192 WO2015083918A1 (fr) 2013-12-06 2014-08-05 Procédé et système pour assurer un service de paiement

Country Status (1)

Country Link
WO (1) WO2015083918A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110320345A1 (en) * 2010-06-29 2011-12-29 Ebay, Inc. Smart wallet
KR20120076675A (ko) * 2010-12-13 2012-07-09 주식회사 로티플 위치 정보 기반 판매대행 서비스 제공방법과 그 장치 및 사용자 단말
JP2013020496A (ja) * 2011-07-12 2013-01-31 Japan Research Institute Ltd カード不正利用防止システム及びカード不正利用防止方法
KR20130017507A (ko) * 2011-08-11 2013-02-20 엘지전자 주식회사 이동 단말기 및 이동 단말기의 결제 방법
KR20130070510A (ko) * 2011-12-19 2013-06-27 주식회사 하렉스인포텍 휴대용 단말기를 이용한 결제시스템 및 결제방법과, 이 방법을 실행하기 위한 프로그램이 기록된 저장매체

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110320345A1 (en) * 2010-06-29 2011-12-29 Ebay, Inc. Smart wallet
KR20120076675A (ko) * 2010-12-13 2012-07-09 주식회사 로티플 위치 정보 기반 판매대행 서비스 제공방법과 그 장치 및 사용자 단말
JP2013020496A (ja) * 2011-07-12 2013-01-31 Japan Research Institute Ltd カード不正利用防止システム及びカード不正利用防止方法
KR20130017507A (ko) * 2011-08-11 2013-02-20 엘지전자 주식회사 이동 단말기 및 이동 단말기의 결제 방법
KR20130070510A (ko) * 2011-12-19 2013-06-27 주식회사 하렉스인포텍 휴대용 단말기를 이용한 결제시스템 및 결제방법과, 이 방법을 실행하기 위한 프로그램이 기록된 저장매체

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