Patent application number | Description | Published |
20090127332 | SYSTEM FOR PROCESSING PAYMENT EMPLOYING OFF-LINE TRANSACTION APPROVAL MODE OF MOBILE CARD AND METHOD THEREOF - Provided is a payment processing system and a method thereof employing an off-line transaction approval mode of a mobile card. Card information and off-line transaction approval information is contained in a mobile device such as a cellular phone which us used as a mobile card. A server in a card issuing company computer center registers a Black List (B/L) on a corresponding card of the mobile device through an On-The-Air (OTA) function at the time when a Black List (B/L) item occurs. Accordingly, the mobile device confirms whether or not the card is included in the Black List (B/L) at the time of using the card for transactions. The mobile device communicates with a card reader in a card affiliated shop only when the card can be used for payment of transactions. If the card transaction meets the off-line approval conditions such as an amount of transaction money and the number of times of using the card, the card transaction is approved, and then the transaction detail is stored in the card reader to then transfer the stored transaction detail to the card issuing company in a batch style for exact calculation. Accordingly, a card approval cost and a card approval time can be reduced. The card can be applied in a petty transaction market which made it difficult for the card issuing company to be applied because of an approval cost and time. | 05-21-2009 |
20090248526 | METHOD AND PORTABLE APPARATUS FOR SETTLING TRANSACTION - 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. | 10-01-2009 |
20120078783 | METHOD, APPARATUS, AND SYSTEM FOR ENABLING PURCHASER TO DIRECT PAYMENT APPROVAL, SETTLEMENT, AND MEMBERSHIP SUBSCRIPTION USING MOBILE COMMUNICATION TERMINAL - The present invention relates to a payment system using a mobile communication terminal, and includes a transceiver having a dummy function, a purchaser mobile communication terminal, and a gateway. The transceiver having a dummy function transmits purchase information and merchant information, which are received from a POS system or a reader, in a Near Field Communication (NFC) manner. The purchaser mobile communication terminal performs user authentication, and transmits card information either selected by the purchaser or set depending on priorities, and the purchase information and the merchant information that are received from the transceiver. The gateway transmits the card information received from the purchaser mobile communication terminal to a card company server, receives payment approval from the card company server, and transmits the payment approval to the purchaser mobile communication terminal, the POS system or the reader. | 03-29-2012 |
20130325712 | CARD PAYMENT SYSTEM INCLUDING MOBILE COMMUNICATION TERMINAL AND MOBILE RELAY DEVICE, APPARATUSES IN THE SYSTEM AND METHOD FOR CARD PAYMENT IN THE APPARATUSES - Provided is a card payment system. The card payment system includes an affiliated merchant terminal configured to transmit payment-related information including an affiliated merchant ID and a payment amount and a relay device configured to store the payment-related information transmitted from the affiliated merchant terminal in a memory, and provide the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer. Accordingly, a customer can safely and quickly perform a credit transaction by using a mobile communication terminal of the customer even without presenting a payment card to an affiliated merchant, and moreover perform the credit transaction at a desired place in the affiliated merchant even without unnecessarily moving to a counter or exposing financial information of the customer. | 12-05-2013 |
20130332356 | MOBILE CARD MANAGEMENT METHOD - In an embodiment of the present invention, there is disclosed a method of allowing a mobile payment program module to directly list up card information about a specific use (for example, payment, identification, membership, etc.) in the mobile communication terminal according to kinds of transaction characteristics and to select and use a desired card, instead of a method of delivering information (for example, service classification code information of AID code) determined by an external server to the mobile payment program module such that the mobile payment program module may find a corresponding card stored in the mobile communication terminal, among methods of selecting a specific card from among a plurality of cards stored in a mobile communication terminal. | 12-12-2013 |
20140032412 | Payment system and method for vending machine using mobile terminal and storage medium storing program for implementing the method - Disclosed herein are a payment system and method for a vending machine using a mobile terminal. The apparatus includes a mobile terminal, a service provider server, and a vending machine service provider server. The mobile terminal obtains the ID information of the vending machine from a tag attached to the vending machine, displays the amount of money to be paid for a product on a screen, and stores a receipt for the amount of money to be paid. The service provider server receives payment request information from the mobile terminal, approves the amount of money to be paid, and generates a transaction serial number. The vending machine service provider server receives the ID information, the transaction serial number, and the amount of money to be paid from the service provider server, and sends the information about the amount of money to be paid to the vending machine. | 01-30-2014 |