公开(公告)号：US07500606B2

公开(公告)日：2009-03-10

申请号：US11403926

申请日：2006-04-14

申请人： Shae Jin Park ,  Myoung Man Hur ,  Kyung Yang Park ,  Jung Hun Kim

发明人： Shae Jin Park ,  Myoung Man Hur ,  Kyung Yang Park ,  Jung Hun Kim

IPC分类号： G06K5/00 ,  G06Q20/00

CPC分类号： G06Q20/32 ,  G06Q20/20 ,  G06Q20/206 ,  G06Q20/3226 ,  G06Q20/327 ,  G06Q20/3278 ,  G06Q20/341 ,  G06Q20/40 ,  G06Q20/40975 ,  G07F7/1008 ,  G07G1/14

摘要： Provided is a method of and system for settling signatureless payment of a slip of bank card sales in a mobile terminal such as a cellular phone, a personal digital assistant, and a smart phone, having a mobile IC (Integrated Circuit) chip card, to then be printed on a transaction approval sales slip, to thereby make personal authentication completed and prevent the sales slip from being forged or fabricated, without signing on a customer's autographical signature of the sales slip. The signatureless payment settlement system has an algorithm for producing a personal authentication value in an IC chip card mounted on the mobile terminal including the cellular phone or PDA (Personal Digital Assistant), and receives a card issuing company key, card issuing information, a card password, an IC chip card produced random number to produce a personal authentication value. Then, the signatureless payment settlement system transmits the generated authentication value to the mobile payment settlement terminal in a card affiliated shop together with the card information through an IR (Infrared Ray), RF (Radio Frequency), or bluetooth communication, to then make the personal authentication value printed on the customer signature column of the sales slip output from the credit card inquiring machine (CAT) or the POS (Point of Sales) system, at the time when a transaction is approved. Accordingly, the signatureless payment settlement system solves inconveniences that a customer who uses a card should sign on a slip of sales at a card affiliated shop, and shortens a card transaction approval time. Also, when a validity of transaction by use of a card is challenged, a card issuing company can confirm the validity of the card use for verification. As a result, the signatureless payment settlement system can prevent forgery, fabrication, or falsification of the sales slip, to thereby prevent an illegal card use.

公开(公告)号：US20090098854A1

公开(公告)日：2009-04-16

申请号：US11907339

申请日：2007-10-11

申请人： Shae Jin Park ,  Myoung Man Hur ,  Jung Hun Kim

发明人： Shae Jin Park ,  Myoung Man Hur ,  Jung Hun Kim

IPC分类号： H04M11/00 ,  H04Q7/20 ,  H05K11/00

CPC分类号： G06Q20/32 ,  G06Q20/14 ,  G06Q20/3223 ,  G06Q20/3255 ,  G06Q20/3572 ,  G06Q20/363 ,  G06Q20/40 ,  H04L12/14

摘要： Provided is a method of providing a billing and payment service using a settlement service function of a mobile electronic wallet, and a system therefor, which enables companies to charge customers for rates through their mobile devices, respectively, and enables the customers to directly pay for the rates using a settlement service function of a mobile electronic wallet without exposing banking information to a rate receipt institution on a regularly monthly basis. A rate guidance message is sent to a customer using a short message service (SMS) that is a wireless communication network service of a mobile device. If the customer confirms the guidance message, the mobile device automatically gains access to the rate demand company by call back URL or TCP/IP communication. Then, after undergoing a simple authentication procedure for confirming whether or not the access person is a true person, a rate bill including payment particulars is displayed on a screen of the mobile device. If the customer confirms the rate bill and intends to pay for the rate bill, the customer directly settles the payment using a settlement service function (e.g. credit card or account transfer of an electronic wallet of the mobile device. Thus, without exposing customer's settlement information such as account number and card number, the rate can be paid according to the customer's payment intent, to thereby reduce pressure by banking information exposure, and reduce congestion due to visit of banks using an electronic wallet settlement service function of the mobile device. A payment priority ranking order can be determined within a customer's allowable capital extent, and payment tools such as transfer account and credit card are diversified, to thereby prevent a payment delay due to lack of deposit money and enhance a rate receipt efficiency of the rate demand company.