WO2003052544A3 - System and method for issuing card and processing blacklist using wireless communications - Google Patents

System and method for issuing card and processing blacklist using wireless communications Download PDF

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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
French (fr)
Other versions
WO2003052544A2 (en
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/en
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/en
Publication of WO2003052544A3 publication Critical patent/WO2003052544A3/en

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

The present invention relates to a system and method for issuing a card and processing a blacklist, using wireless communications. A financial/identification (ID) card for use in a mobile unit is issued, in which financial/ID card information is transmitted and stored in an internal memory or an external memory including a detachable IC chip such as a SIM, USIM, UIM, and EMV system, in the mobile unit and thus the mobile unit is used as a substitute for a plastic card. Also, when a suspension of use and a cancellation of registration occurs, blacklist (B/L) information is registered in the internal memory or external memory storing corresponding financial/ID card information using wireless communications, with a result that if the B/L information registration has been checked at the time of using the mobile unit in replace of a plastic card, a card transaction can be rejected.
PCT/KR2002/002389 2001-12-19 2002-12-18 System and method for issuing card and processing blacklist using wireless communications WO2003052544A2 (en)

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
KR20-2001-0039325 2001-12-19
KR20010039325 2001-12-19
KR20-2002-0005882 2002-02-27
KR2020020005882U KR200276208Y1 (en) 2001-12-19 2002-02-27 System for issue and black-list processing of finance settlement card and/or identification card through radio communication

Publications (2)

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

Family

ID=32301898

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2002/002389 WO2003052544A2 (en) 2001-12-19 2002-12-18 System and method for issuing card and processing blacklist using wireless communications

Country Status (3)

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

Families Citing this family (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2005086593A2 (en) * 2004-02-05 2005-09-22 A Little World Private Limited Inter-operable, multi-operator, multi-bank, multi-merchant mobile payment method and a system therefor
JP2007041921A (en) * 2005-08-04 2007-02-15 Fujitsu Ltd Non-contact ic, information processor, reader/writer, and usage limiting method
EP2065847A1 (en) * 2007-11-29 2009-06-03 Harexinfotech Inc. System for processing payment employing off-line transaction approval mode of mobile card and method thereof
CN102257540A (en) * 2008-12-19 2011-11-23 Nxp股份有限公司 Enhanced smart card usage
EP2339529A1 (en) * 2009-12-01 2011-06-29 Mikko Kalervo Väänänen Method and means for controlling payment setup
CN103208152A (en) * 2013-04-24 2013-07-17 徐明亮 Camera-scanning-based credit card information extraction and cheat-prevention method and system
TWI579785B (en) * 2016-07-29 2017-04-21 Digital wallet management system
TWI606424B (en) * 2016-10-26 2017-11-21 Chunghwa Telecom Co Ltd System and method for detecting and deactivating illegal access cards
CN114511309A (en) * 2020-11-17 2022-05-17 中国电信股份有限公司 Blacklist verification method and device, wallet application module, terminal and SIM card

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
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 (en) * 2000-03-16 2001-09-20 Harex Infotech Inc. Optical payment transceiver and system using the same
EP1161060A1 (en) * 1999-12-10 2001-12-05 NTT DoCoMo, Inc. Mobile communication terminal and card information reader

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998037524A1 (en) * 1997-06-27 1998-08-27 Swisscom Ag Transaction method using a mobile device
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 (en) * 1999-12-10 2001-12-05 NTT DoCoMo, Inc. Mobile communication terminal and card information reader
WO2001069346A2 (en) * 2000-03-16 2001-09-20 Harex Infotech Inc. Optical payment transceiver and system using the same

Also Published As

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

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