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1. WO2007139302 - SYSTÈME ET PROCÉDÉ POUR CARTE DE TRANSACTION COMPLEXE

Numéro de publication WO/2007/139302
Date de publication 06.12.2007
N° de la demande internationale PCT/KR2007/002478
Date du dépôt international 22.05.2007
CIB
G06Q 20/00 2012.01
GPHYSIQUE
06CALCUL; COMPTAGE
QSYSTÈMES OU MÉTHODES DE TRAITEMENT DE DONNÉES, SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION; SYSTÈMES OU MÉTHODES SPÉCIALEMENT ADAPTÉS À DES FINS ADMINISTRATIVES, COMMERCIALES, FINANCIÈRES, DE GESTION, DE SURVEILLANCE OU DE PRÉVISION, NON PRÉVUS AILLEURS
20Architectures, schémas ou protocoles de paiement
CPC
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 20/12
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
12specially adapted for electronic shopping systems
G06Q 20/341
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
341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
G06Q 20/357
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
357Cards having a plurality of specified features
G06Q 20/3572
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
357Cards having a plurality of specified features
3572Multiple accounts on card
G06Q 20/363
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
36using electronic wallets or electronic money safes
363with the personal data files for a user
Déposants
  • CREDIFT CO., LTD. [KR/KR]; 101-1511 Daewoo Iville 1675-11 Seocho dong, Seocho-gu Seoul 137-881, KR (AllExceptUS)
  • SIM, Woo Jin [SE/KR]; SE (UsOnly)
Inventeurs
  • SIM, Woo Jin; SE
Mandataires
  • MUHANN PATENT & LAW FIRM; 2, 5, 6th Floor Myeonglim Bldg. 51-8 Nonhyeon-Dong Gangnam-gu Seoul 135-814, KR
Données relatives à la priorité
10-2006-004763726.05.2006KR
Langue de publication anglais (EN)
Langue de dépôt coréen (KO)
États désignés
Titre
(EN) SYSTEM AND METHOD FOR COMPLEX TRANSACTION CARD
(FR) SYSTÈME ET PROCÉDÉ POUR CARTE DE TRANSACTION COMPLEXE
Abrégé
(EN)
The present invention relates to a payment system and method for a complex transaction card, capable of being used as either any one of a prepaid card and a credit card, or as both the prepaid card and the credit card, using single card identification information, and more particularly, to a payment system and method which provides a complex transaction card including single card identification information with an approval limit with respect to each of the prepaid card and the credit card, approves a payment by activating at least one transaction account among the prepaid card and the credit card, also first considers an approval limit of any one of the prepaid card and the credit card, and when a charge amount of the payment is greater than the approval limit, additionally considers an approval limit of another card, and thereby may approve the payment using the complex transaction card.
(FR)
La présente invention concerne un système de paiement et un procédé pour une carte de transaction complexe, pouvant fonctionner en carte à prépaiement et/ou en carte accréditive au moyen d'une unique information d'identification de la carte. L'invention concerne plus particulièrement un système de paiement et un procédé de carte de transaction complexe comportant une unique information d'identification de la carte avec une limite d'approbation spécifique selon qu'il s'agit de la carte à prépaiement ou de la carte accréditive. En l'occurrence, l'approbation d'un paiement se fait par activation d'au moins un compte de transaction spécifique de la carte à prépaiement ou de la carte accréditive, puis par prise en considération de la limite d'approbation en fonction du type de carte, et quand le montant dépasse la limite, on prend en compte la limite d'approbation d'une autre carte, et c'est ainsi qu'on peut approuver le paiement au moyen de la carte de transaction complexe.
Dernières données bibliographiques dont dispose le Bureau international