WO2011021868A3 - 모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법 - Google Patents

모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법 Download PDF

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Publication number
WO2011021868A3
WO2011021868A3 PCT/KR2010/005505 KR2010005505W WO2011021868A3 WO 2011021868 A3 WO2011021868 A3 WO 2011021868A3 KR 2010005505 W KR2010005505 W KR 2010005505W WO 2011021868 A3 WO2011021868 A3 WO 2011021868A3
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transaction
approval
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PCT/KR2010/005505
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English (en)
French (fr)
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WO2011021868A2 (ko
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송덕호
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주식회사 디에이치씨
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Publication of WO2011021868A2 publication Critical patent/WO2011021868A2/ko
Publication of WO2011021868A3 publication Critical patent/WO2011021868A3/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
    • G06Q20/38—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
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through 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
    • G06Q20/30—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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

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

Abstract

본 발명은 모든 모바일단말에서 VM(VIRTUAL MACHINE)의 지원이 가능하고, 카드와 은행계좌를 계좌/카드소지의 필요 없이 모바일단말을 통해 온라인/오프라인 거래 가능한 통합적인 서비스를 제공하여 편의성을 도모할 수 있고, 모바일 프로그램에 고유의 PIN(Personal Identity Number)번호를 설정하여 보안을 강화하고 다수의 카드 및 계좌를 등록, 저장 할 수 있고, 이중 하나를 선택하여 카드 또는 계좌의 비밀번호입력으로 사용요청을 하며, 금융기관으로부터 사용승인을 받아 이를 온라인/오프라인 판매자(가맹점)에 제시하면 결제요청내역이 사용자의 모바일 프로그램에 수신되며 이를 사용자가 승인함으로써 결제가 완료된다. 이는 사용자와 금융기관이 상호인증을 함으로써 거래의 안정성 및 보안성을 강화한 서비스이다.
PCT/KR2010/005505 2009-08-21 2010-08-19 모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법 WO2011021868A2 (ko)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020090077493A KR20110019887A (ko) 2009-08-21 2009-08-21 모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법
KR10-2009-0077493 2009-08-21

Publications (2)

Publication Number Publication Date
WO2011021868A2 WO2011021868A2 (ko) 2011-02-24
WO2011021868A3 true WO2011021868A3 (ko) 2011-06-16

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PCT/KR2010/005505 WO2011021868A2 (ko) 2009-08-21 2010-08-19 모바일 카드/계좌 결제 시스템 및 이를 이용한 결제 방법

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KR (1) KR20110019887A (ko)
WO (1) WO2011021868A2 (ko)

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US10108937B2 (en) 2011-09-14 2018-10-23 Sk Planet Co., Ltd. Method of registering a membership for an electronic payment, system for same, and apparatus and terminal thereof
KR101409754B1 (ko) * 2012-03-12 2014-06-19 에스케이플래닛 주식회사 오프라인 거래 결제 시스템, 이를 위한 방법 및 장치
KR20130113292A (ko) 2012-04-05 2013-10-15 주식회사 엘지씨엔에스 결재 수단을 통한 결제 방법, 이를 수행하는 결제 서버 및 모바일 단말
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WO2011021868A2 (ko) 2011-02-24
KR20110019887A (ko) 2011-03-02

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