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    • 2. 发明申请
    • METHOD AND SYSTEM FOR SETTLING FINANCIAL TRANSACTION WITH MOBILE COMMUNICATIONS PORTABLE TERMINAL CONTAINING FINANCIAL INFORMATION
    • 移动通信的财务交易方法与系统包含财务信息的便利终端
    • WO2002080122A1
    • 2002-10-10
    • PCT/KR2002/000495
    • 2002-03-22
    • HAREXINFOTECH INC.KIM, Chul-Ki
    • KIM, Chul-Ki
    • G07F19/00
    • G07F7/1008G06Q20/04G06Q20/327G06Q20/346
    • A method and system for settling financial transactions with a mobile communications terminal (10) containing financial information is disclosed. Financial information such as a card number and a valid date is encrypted by using a customer's inherent electronic wallet management number such as a secret number at the time of application of a card issuance, and then the encrypted financial information is input to a mobile communications terminal (10) designated by a customer, directly or via a communications network. When a customer wishes to settle financial transactions through the mobile communications terminal (10), he or she inputs his or her electronic wallet management number to optically transmit the encrypted financial information and electronic wallet management number to a POS terminal (20) or card inquiry machine in an affiliated store. The POS terminal (20) or card inquiry machine which has received the optically transmitted financial information and electronic wallet management number decodes the encrypted financial information by using the received electronic wallet management number. Thus, unless customer's electronic wallet management number such as a secret number is exposed illegally, no one who knows an encryption algorithm can use the customer's financial information illegally.
    • 公开了一种用于与包含财务信息的移动通信终端(10)结算金融交易的方法和系统。 诸如卡号和有效日期的财务信息通过使用客户的固有电子钱包管理号码(例如在发卡时的秘密号码)进行加密,然后将加密的财务信息输入到移动通信终端 (10)由客户直接或通过通信网络指定。 当客户希望通过移动通信终端(10)解决金融交易时,他或她输入他或她的电子钱包管理号码,将加密的金融信息和电子钱包管理号码光学传输到POS终端(20)或卡片查询 机器在附属的商店。 已经接收到光学传送的财务信息和电子钱包管理号码的POS终端(20)或卡片查询机使用所接收的电子钱包管理号对加密的财务信息进行解码。 因此,除非秘密号码的客户的电子钱包管理号码被非法曝光,否则谁都不知道加密算法可以非法使用客户的财务信息。
    • 3. 发明申请
    • FINANCIAL INFORMATION INPUT METHOD USING SYMMETRICAL KEY SECURITY ALGORITHM AND COMMERCIAL TRANSACTION SYSTEM FOR MOBILE COMMUNICATIONS
    • 使用对称密钥安全算法的财务信息输入方法和用于移动通信的商业交易系统
    • WO2002086826A1
    • 2002-10-31
    • PCT/KR2002/000758
    • 2002-04-24
    • HAREXINFOTECH INC.KIM, Chul-KiHWANG, Que-MinKIM, Jung-HunCHANG, Kwang-Su
    • KIM, Chul-KiHWANG, Que-MinKIM, Jung-HunCHANG, Kwang-Su
    • G07F7/10
    • G07F7/1008G06Q20/04G06Q20/32G06Q20/322G06Q20/327G06Q20/341G06Q20/3674G06Q20/3829G06Q20/40975G06Q40/00H04M15/48H04M17/00H04M17/026H04M2215/0156
    • A financial information input method using a symmetric key security algorithm and a mobile communications commercial transaction system using the same encrypts financial information such as a customer's identification number and a valid date with a symmetric key algorithm by use of an electronic wallet administration number of a customer's terminal used as an encryption key at the time of applying an issuance of a card, and directly inputs the encrypted financial information into a customer's electronic wallet terminal or inputs the same via a communications network. In the case that a commercial transaction settlement is accomplished with a mobile communications terminal in which the encrypted financial information is stored, his or her own electronic wallet administration number is input so that the encrypted financial information and the administration number are optically transmitted to a POS terminal/card inquiry machine of an affiliated shop. The POS terminal/card inquiry machine which has received the encrypted financial information and administration number uses the received electronic wallet administration number and decodes the encrypted financial information with the administration number. Thus, although an unauthorized person knows an encryption algorithm unless a customer's electronic wallet administration number is exposed illegally, customer's financial information cannot be used. That is, an effect of fundamentally preventing customer's financial information from being illegally copied can be provided.
    • 使用对称密钥安全算法的金融信息输入方法和使用其的移动通信商业交易系统通过使用电子钱包管理号码(K1),使用对称密钥算法对诸如客户识别号码和有效日期等财务信息进行加密, 在应用发行卡时用作加密密钥,并将加密的财务信息输入到客户的通信终端中。 在通过存储加密金融信息的移动通信终端(M1,M2)完成商业交易结算的情况下,输入对应的电子钱包管理号码(K1),使得加密的财务信息和管理号码 光传输到附属商店的POS终端/卡查询机,其中POS终端/卡查询机使用接收到的电子钱包管理号码对具有管理号码的加密财务信息进行解码,从而防止该客户的财务信息被非法复制。