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1. WO2010090466 - PAYMENT DATA PROCESSING SYSTEM

Publication Number WO/2010/090466
Publication Date 12.08.2010
International Application No. PCT/KR2010/000698
International Filing Date 04.02.2010
Chapter 2 Demand Filed 27.12.2010
IPC
G06Q 20/00 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/04
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
04Payment circuits
G06Q 20/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/3221
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3221Access to banking information through M-devices
G06Q 20/3223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3223Realising banking transactions through M-devices
G06Q 20/34
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
Applicants
  • 권순태 KWON, Sun Tae [KR]/[KR]
Inventors
  • 권순태 KWON, Sun Tae
Priority Data
10-2009-000907804.02.2009KR
10-2009-009206628.09.2009KR
Publication Language Korean (ko)
Filing Language Korean (KO)
Designated States
Title
(EN) PAYMENT DATA PROCESSING SYSTEM
(FR) SYSTÈME DE TRAITEMENT DE DONNÉES DE PAIEMENT
(KO) 결제정보 운용 시스템
Abstract
(EN) The present invention relates to a payment data processing system which has a personal terminal, an intermediary terminal, a payment data processing server and an external server. The payment data processing system comprises: a personal terminal for storing and sending terminal identification data and payment data; an intermediary terminal for receiving the terminal identification data and payment data from the personal terminal and effecting a payment and transmitting payment data in accordance with the effected payment results; a payment data processing server which receives data from the intermediary device and then analyses the terminal identification data and payment data, searches for payment selection data corresponding to the analysed payment data, and transmits the terminal identification data and payment data to an external server associated with the payment selection data found in the search; and an external server which processes an amount corresponding to a predetermined percentage of the payment amount as a separate investment product on the basis of the terminal identification data and payment data transmitted from the payment data processing server.
(FR) L'invention concerne un système de traitement de données de paiement qui a un terminal personnel, un terminal intermédiaire, un serveur de traitement de données de paiement et un serveur externe. Le système de traitement de données de paiement comprend : un terminal personnel pour stocker et envoyer des données d'identification de terminal et des données de paiement; un terminal intermédiaire pour recevoir les données d'identification de terminal et les données de paiement provenant du terminal personnel et effectuer un paiement puis transmettre les données de paiement selon les résultats de paiements effectués; un serveur de traitement de données de paiement qui reçoit du dispositif intermédiaire et ensuite analyse les données d'identification de terminal et les données de paiement, recherche les données de sélection de paiement correspondant aux données de paiement analysées, et transmet les données d'identification de terminal et les données de paiement à un serveur externe associé aux données de sélection de paiement trouvées dans la recherche; et un serveur externe qui traite une quantité correspondant à un pourcentage prédéterminé de la quantité de paiements comme un produit d'investissement distinct en fonction des données d'identification de terminal et des données de paiement transmises depuis le serveur de traitement de données de paiement.
(KO) 본 발명은 개인단말기, 중개단말기, 결제정보 운용 서버 및 외부서버를 구비하는 결제정보 운용 시스템에 있어서, 단말기 식별정보 및 결제정보를 저장 및 송신하는 개인단말기, 상기 개인단말기로부터 상기 단말기 식별정보 및 결제정보를 수신하여 결제를 수행하고, 상기 수행된 결제 결과에 따른 결제정보를 전송하는 중개단말기, 상기 중계기로부터 상기 단말기 식별정보 및 결제정보를 수신하여 분석하고, 상기 분석된 결제정보에 대응되는 결제선택정보를 검색하여 상기 검색된 결제선택정보에 관련된 외부서버로 상기 단말기 식별정보 및 결제정보를 전송하는 결제정보 운용 서버 및 상기 결제정보 운용 서버로부터 전송된 상기 단말기 식별정보 및 결제정보를 근거로 결제금액 중 소정 비율에 해당하는 금액을 별도의 투자상품으로 운용하는 외부서버를 포함하는 결제정보 운용 시스템에 관한 것이다.
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