公开(公告)号：US20090248526A1

公开(公告)日：2009-10-01

申请号：US12412365

申请日：2009-03-27

申请人： Kyung Yang PARK ,  Chul Ki Kim ,  Que Min Hwang ,  Bong Sung Jung ,  Kwang Hyun Sung ,  Do Ha Kim ,  Hoon Joon Jung ,  Bog Heui Kang ,  Eun Sang Cho ,  Won Dong Kim ,  Dae Yeon Kim ,  Kwang Su Chang ,  Hee Gu Woo

发明人： Kyung Yang PARK ,  Chul Ki Kim ,  Que Min Hwang ,  Bong Sung Jung ,  Kwang Hyun Sung ,  Do Ha Kim ,  Hoon Joon Jung ,  Bog Heui Kang ,  Eun Sang Cho ,  Won Dong Kim ,  Dae Yeon Kim ,  Kwang Su Chang ,  Hee Gu Woo

IPC分类号： G06Q20/00 ,  G06Q40/00 ,  H04M1/66

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/351 ,  G06Q20/355 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0213 ,  G06Q30/0222 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/0866 ,  G07F7/1008

摘要： A method and portable apparatus for settling a transaction are provided, in which the portable apparatus may be used as a card substitute payment device for settling a transaction. Information to conduct a settlement may be stored in the portable apparatus. The portable apparatus may be, for example, a portable phone or a PDA. A transaction inquiry machine may read or receive the information from the portable apparatus, similar to that of a card reader reading a magnetic card, and transmit the information to a VAN company server or a card company server, to then request for an approval to settle the transaction.

摘要翻译： 提供了一种用于结算交易的方法和便携式设备，其中便携式设备可以用作用于结算交易的卡替代支付设备。 进行结算的信息可以存储在便携式设备中。 便携式装置可以是例如便携式电话或PDA。 交易查询机器可以从便携式设备读取或接收读取磁卡的读卡器的信息，并将该信息发送到VAN公司服务器或卡公司服务器，然后请求批准结算 交易。

公开(公告)号：US07552094B2

公开(公告)日：2009-06-23

申请号：US10148326

申请日：2001-03-16

申请人： Kyung Yang Park ,  Chul Ki Kim ,  Que Min Hwang ,  Bong Sung Jung ,  Kwang Hyun Sung ,  Do Ha Kim ,  Hoon Joon Jung ,  Bog Heui Kang ,  Eun Sang Cho ,  Won Dong Kim ,  Dae Yeon Kim ,  Kwang Su Chang ,  Hee Gu Woo

发明人： Kyung Yang Park ,  Chul Ki Kim ,  Que Min Hwang ,  Bong Sung Jung ,  Kwang Hyun Sung ,  Do Ha Kim ,  Hoon Joon Jung ,  Bog Heui Kang ,  Eun Sang Cho ,  Won Dong Kim ,  Dae Yeon Kim ,  Kwang Su Chang ,  Hee Gu Woo

IPC分类号： G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/351 ,  G06Q20/355 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0213 ,  G06Q30/0222 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/0866 ,  G07F7/1008

摘要： An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone or a PDA and the optical transceiver is connected to a card inquiry machine to thereby optically transmit and receive card information. The card inquiry machine recognizes the received card information in the same manner as that of the card reader reading a magnetic card, and transmits the card information to a VAN company server or a card company server, to then request for an approval and settle transactions. The present invention is applied to most fields where financial transactions are performed as in a general commerce, a toll gate fee or tunnel passage fee collection system, a subway or bus fare levying system, a gas station, a department store, a drive-thru ordering system, a vending machine, and a fee payment system of kiosks. Also, the present invention can be applied to an entrance/exit security system requiring personal identification. Thus, the present invention can use a portable terminal as a payment unit without carrying a cash or cards, to thereby provide an effect of performing a safer and more reliable credit transaction.

公开(公告)号：US20080249948A1

公开(公告)日：2008-10-09

申请号：US12146992

申请日：2008-06-26

申请人： Chul Ki Kim ,  Que Min Hwang ,  Jung Hun Kim ,  Kwang Su Chang

发明人： Chul Ki Kim ,  Que Min Hwang ,  Jung Hun Kim ,  Kwang Su Chang

IPC分类号： H04L9/32 ,  G06Q20/00 ,  G06Q30/00

CPC分类号： G07F7/1008 ,  G06Q20/04 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/3674 ,  G06Q20/3829 ,  G06Q20/40975 ,  G06Q40/00 ,  H04M15/48 ,  H04M17/00 ,  H04M17/026 ,  H04M2215/0156

摘要： A financial information input method using a symmetric key security algorithm and a mobile communications commercial transaction system using the same encrypts financial information such as a customer's identification number and a valid date with a symmetric key algorithm by use of an electronic wallet administration number of a customer's terminal used as an encryption key at the time of applying an issuance of a card, and directly inputs the encrypted financial information into a customer's electronic wallet terminal or inputs the same via a communications network. In the case that a commercial transaction settlement is accomplished with a mobile communications terminal in which the encrypted financial information is stored, his or her own electronic wallet administration number is input so that the encrypted financial information and the administration number are optically transmitted to a POS terminal/card inquiry machine of an affiliated shop. The POS terminal/card inquiry machine which has received the encrypted financial information and administration number uses the received electronic wallet administration number and decodes the encrypted financial information with the administration number. Thus, although an unauthorized person knows an encryption algorithm unless a customer's electronic wallet administration number is exposed illegally, customer's financial information cannot be used. That is, an effect of fundamentally preventing customer's financial information from being illegally copied can be provided.

摘要翻译： 使用对称密钥安全算法的金融信息输入方法和使用该密钥安全算法的移动通信商业交易系统使用对称密钥算法的诸如客户身份号码和有效日期之类的财务信息，通过使用客户端的电子钱包管理号码 终端在应用发卡时用作加密密钥，并且将加密的财务信息直接输入到客户的电子钱包终端中，或者经由通信网络将其输入。 在通过存储加密的财务信息的移动通信终端进行商业交易结算的情况下，输入自己的电子钱包管理号码，使得加密的财务信息和管理号光学地发送到POS 附属店的终端/卡查询机。 已经接收到加密的财务信息和管理号码的POS终端/卡查询机使用接收到的电子钱包管理号码，并且用管理号解码加密的财务信息。 因此，尽管未经授权的人员知道加密算法，除非客户的电子钱包管理号码被非法暴露，否则不能使用客户的财务信息。 也就是说，可以提供从根本上防止客户的财务信息被非法复制的效果。