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1. WO2020130486 - SERVER AND CLIENT USING MAIN TRANSACTION CARD INFORMATION TO SETTLE PAYMENTS

Publication Number WO/2020/130486
Publication Date 25.06.2020
International Application No. PCT/KR2019/017589
International Filing Date 12.12.2019
IPC
G06Q 20/34 2012.01
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
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G06Q 20/38 2012.01
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
38Payment protocols; Details thereof
G06Q 30/02 2012.01
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
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
CPC
G06Q 20/356
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
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
356Aspects of software for card payments
G06Q 20/3827
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
38Payment protocols; Details thereof
382insuring higher security of transaction
3827Use of message hashing
G06Q 30/0207
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
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
Applicants
  • 주식회사 지에스리테일 GS RETAIL CO., LTD. [KR]/[KR]
Inventors
  • 조광현 CHO, Kwang-Hyun
  • 최윤정 CHOI, Yun-Jung
  • 유주상 YOU, Joo-Sang
Agents
  • 특허법인(유한) 대아 DAE-A INTELLECTUAL PROPERTY CONSULTING
Priority Data
10-2018-016561319.12.2018KR
Publication Language Korean (KO)
Filing Language Korean (KO)
Designated States
Title
(EN) SERVER AND CLIENT USING MAIN TRANSACTION CARD INFORMATION TO SETTLE PAYMENTS
(FR) SERVEUR ET CLIENT UTILISANT DES INFORMATIONS DE CARTE DE TRANSACTION PRINCIPALE POUR RÉGLER DES PAIEMENTS
(KO) 주거래 카드 정보를 이용하여 결제하는 서버 및 클라이언트
Abstract
(EN)
The present invention relates to a server and a client using main transaction card information to settle payments, and a customer management server according to one embodiment of the present invention comprises: a database unit comprising a user identification table comprising user identification information, a benefits information table including user identification information, and a main transaction card information table comprising user identification numbers and card information; a communication unit for communicating with a payment client and portable terminal; and a centralized control unit which controls the database unit and communication unit, encrypts, by means of a one-way hash function, and stores a portion of a card number, which is among the card information stored in the main transaction card information table, and, when the communication unit receives a card number from the payment client or portable terminal, searches the main transaction card information table, using the portion of the card number that has been encrypted using a one-way hash function, to extract user identification information.
(FR)
La présente invention concerne un serveur et un client utilisant des informations de carte de transaction principale pour régler des paiements, et un serveur de gestion de client selon un mode de réalisation de la présente invention comprend : une unité de base de données comprenant une table d'identification d'utilisateur comprenant des informations d'identification d'utilisateur, une table d'informations d'avantages comportant des informations d'identification d'utilisateur, et une table d'informations de carte de transaction principale comprenant des numéros d'identification d'utilisateur et des informations de carte ; une unité de communication permettant de communiquer avec un client de paiement et un terminal portable ; et une unité de commande centralisée qui commande l'unité de base de données et l'unité de communication, chiffre, au moyen d'une fonction de hachage unidirectionnelle, et stocke une partie d'un numéro de carte, qui est parmi les informations de carte stockées dans la table d'informations de carte de transaction principale, et, lorsque l'unité de communication reçoit un numéro de carte du client de paiement ou du terminal portable, recherche la table d'informations de carte de transaction principale, à l'aide de la partie du numéro de carte qui a été chiffrée à l'aide d'une fonction de hachage unidirectionnelle, pour extraire des informations d'identification d'utilisateur.
(KO)
본 발명은 주거래 카드 정보를 이용하여 결제하는 서버 및 클라이언트에 관한 것으로, 본 발명의 일 실시예에 의한 고객 관리 서버는 사용자 식별 정보를 포함하는 사용자 정보 테이블, 사용자 식별 정보를 포함하는 혜택 정보 테이블, 사용자 식별 번호 및 카드 정보를 포함하는 주거래 카드 정보 테이블을 포함하는 데이터베이스부와 결제 클라이언트, 휴대단말과 통신하는 통신부, 그리고 데이터베이스부와 통신부를 제어하며, 주거래 카드 정보 테이블에 저장하는 카드 정보 중 카드 번호의 일부를 일방향 해시 함수로 암호화하여 주거래 카드 정보 테이블에 저장하며, 통신부가 결제 클라이언트 또는 휴대단말로부터 카드 번호를 수신하면 카드 번호 중 일부를 일방향 해시 함수로 암호화한 결과를 이용하여 주거래 카드 정보 테이블에서 검색하여 사용자 식별 정보를 추출하는 중앙 제어부를 포함한다.
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