PAYMENT METHOD USING ONE-TIME CARD INFORMATION

Title:

PAYMENT METHOD USING ONE-TIME CARD INFORMATION

Document Type and Number:

WIPO Patent Application WO/2014/092233

Kind Code:

A1

Abstract:

According to the present invention, a payment method using one-time card information is performed by a payment system which is connected to a relay server and a payment device via a network and which includes card information on the actual card corresponding to the payment device. The payment method comprises the steps of: receiving a payment notice message from the payment device; disclosing a bank information number (BIN) in response to the payment notice message, generating one-time card information which does not include the card information on the actual card, and providing the generated one-time card information to the payment device; determining the effectiveness of the approval request message transmitted from the relay server based on whether the time difference between a first time of returning the one-time card information via the relay server and a second time of providing the one-time card information to the payment device satisfies a preset reference time; and deciding whether to approve the payment in regards to the payment request message based on the result of the determination on the effectiveness.

Inventors:

PARK HAE CHUL (KR)
KIM BYUNGSOO (KR)
LEE JEONGJIN (KR)

Application Number:

PCT/KR2012/011674

Publication Date:

June 19, 2014

Filing Date:

December 28, 2012

Export Citation:

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Assignee:

SHINHANCARD CO LTD (KR)
KB KOOKMINCARD CO LTD (KR)
HYUNDAI CARD CO LTD (KR)

International Classes:

G06Q20/40; G06Q20/32

Foreign References:

KR20120105296A	2012-09-25
KR20090036560A	2009-04-14
KR20090102752A	2009-09-30
KR20050006131A	2005-01-15
KR20060117902A	2006-11-17
KR20020096353A	2002-12-31

Other References: