WO2003052544A3 - Systeme et procede d'emission de carte et de traitement de liste noire par communications sans fil - Google Patents

Systeme et procede d'emission de carte et de traitement de liste noire par communications sans fil Download PDF

Info

Publication number
WO2003052544A3
WO2003052544A3 PCT/KR2002/002389 KR0202389W WO03052544A3 WO 2003052544 A3 WO2003052544 A3 WO 2003052544A3 KR 0202389 W KR0202389 W KR 0202389W WO 03052544 A3 WO03052544 A3 WO 03052544A3
Authority
WO
WIPO (PCT)
Prior art keywords
card
blacklist
wireless communications
mobile unit
information
Prior art date
Application number
PCT/KR2002/002389
Other languages
English (en)
Other versions
WO2003052544A2 (fr
Inventor
Kwang-Hyun Sung
Chan-Woo Ko
Que-Min Hwang
Original Assignee
Harexinfotech Inc
Kwang-Hyun Sung
Jung Hoon Joon
Chan-Woo Ko
Que-Min Hwang
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 claimed from KR2020020005882U external-priority patent/KR200276208Y1/ko
Application filed by Harexinfotech Inc, Kwang-Hyun Sung, Jung Hoon Joon, Chan-Woo Ko, Que-Min Hwang filed Critical Harexinfotech Inc
Priority to AU2002360219A priority Critical patent/AU2002360219A1/en
Publication of WO2003052544A2 publication Critical patent/WO2003052544A2/fr
Publication of WO2003052544A3 publication Critical patent/WO2003052544A3/fr

Links

Classifications

    • 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
    • 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
    • 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
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/354—Card activation or deactivation
    • 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
    • G06Q20/355—Personalisation of cards for use
    • 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
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3552—Downloading or loading of personalisation data
    • 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
    • G06Q20/403—Solvency checks
    • 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
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • 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
    • 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
    • G07F7/12—Card verification
    • 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
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (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)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

La présente invention concerne un système et un procédé pour émettre une carte et traiter une liste noire par des communications sans fil. Une carte financière/d'identification (ID) destinée à être utilisée dans une unité mobile est émise, dans laquelle des informations financières/de carte ID sont transmises et stockées dans une mémoire interne ou une mémoire externe comprenant une puce CI amovible telle qu'un système SIM, USIM, UIM et EMV, dans l'unité mobile et ainsi l'unité mobile est utilisée comme remplacement d'une carte plastique. De même, lorsqu'une suspension d'utilisation ou une annulation d'enregistrement se produit par une déclaration de perte ou de vol d'une carte, et un mauvais enregistrement de crédit selon un contrôle du crédit, des informations de liste noire (B/L) sont enregistrées dans la mémoire interne ou la mémoire externe stockant des informations financières/de la carte ID correspondantes à l'aide de communications sans fil, de telle sorte que si l'enregistrement des informations (B/L) a été contrôlé au moment de l'utilisation de l'unité mobile en remplacement d'une carte plastique, une transaction par carte peut être rejetée.
PCT/KR2002/002389 2001-12-19 2002-12-18 Systeme et procede d'emission de carte et de traitement de liste noire par communications sans fil WO2003052544A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002360219A AU2002360219A1 (en) 2001-12-19 2002-12-18 System and method for issuing card and processing blacklist using wireless communications

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20010039325 2001-12-19
KR20-2001-0039325 2001-12-19
KR20-2002-0005882 2002-02-27
KR2020020005882U KR200276208Y1 (ko) 2001-12-19 2002-02-27 무선통신을 이용한 금융결제카드 및/또는 ｉｄ카드발급과 블랙리스트 처리 시스템

Publications (2)

Publication Number Publication Date
WO2003052544A2 WO2003052544A2 (fr) 2003-06-26
WO2003052544A3 true WO2003052544A3 (fr) 2003-10-16

Family

ID=32301898

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2002/002389 WO2003052544A2 (fr) 2001-12-19 2002-12-18 Systeme et procede d'emission de carte et de traitement de liste noire par communications sans fil

Country Status (3)

Country Link
AU (1) AU2002360219A1 (fr)
TW (1) TW557442B (fr)
WO (1) WO2003052544A2 (fr)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005086593A2 (fr) * 2004-02-05 2005-09-22 A Little World Private Limited Procede de paiement mobile interoperable, multi-operateur, multibanque, multi-commerçant, et systeme correspondant
JP2007041921A (ja) * 2005-08-04 2007-02-15 Fujitsu Ltd 非接触ｉｃ、情報処理装置、リーダライタおよび利用制限方法
EP2065847A1 (fr) * 2007-11-29 2009-06-03 Harexinfotech Inc. Système de traitement de paiement utilisant un mode d'approbation d'une opération hors ligne d'une carte mobile et procédé correspondant
US9208634B2 (en) * 2008-12-19 2015-12-08 Nxp B.V. Enhanced smart card usage
EP2339529A1 (fr) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Procédés et moyens pour le contrôle d'une configuration de paiement
CN103208152A (zh) * 2013-04-24 2013-07-17 徐明亮 基于摄像头扫描的***信息提取及防欺诈方法与***
TWI579785B (zh) * 2016-07-29 2017-04-21 Digital wallet management system
TWI606424B (zh) * 2016-10-26 2017-11-21 Chunghwa Telecom Co Ltd System and method for detecting and deactivating illegal access cards

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
US6016476A (en) * 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
WO2001069346A2 (fr) * 2000-03-16 2001-09-20 Harex Infotech Inc. Transcepteur de paiements optique et systeme utilisant le transcepteur
EP1161060A1 (fr) * 1999-12-10 2001-12-05 NTT DoCoMo, Inc. Terminal de communication mobile et lecteur d'informations de carte

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (fr) * 1997-06-27 1998-08-27 Swisscom Ag Procede de transaction avec un telephone mobile
US6016476A (en) * 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
EP1161060A1 (fr) * 1999-12-10 2001-12-05 NTT DoCoMo, Inc. Terminal de communication mobile et lecteur d'informations de carte
WO2001069346A2 (fr) * 2000-03-16 2001-09-20 Harex Infotech Inc. Transcepteur de paiements optique et systeme utilisant le transcepteur

Also Published As

Publication number Publication date
WO2003052544A2 (fr) 2003-06-26
AU2002360219A1 (en) 2003-06-30
TW200303496A (en) 2003-09-01
TW557442B (en) 2003-10-11

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