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    • 7. 发明授权
    • 다이나믹 트랙 2 정보를 이용한 모바일 결제 시스템 및 방법
    • 使用动态跟踪2数据的移动交易系统和使用该数据的方法
    • KR101316466B1
    • 2013-10-08
    • KR1020120131524
    • 2012-11-20
    • 신한카드 주식회사주식회사 케이비국민카드현대카드 주식회사삼성카드 주식회사
    • 박해철김병수이정진송은석
    • G06Q20/40G06Q20/32
    • G06Q20/3821G06Q20/32G06Q20/34G06Q20/40G06Q20/401G06Q2220/00G07F7/086G07F7/0873
    • PURPOSE: A mobile payment system using dynamic track 2 information and a method thereof are provided to hide encoding and decoding processes of the track 2 information from other people and to secure high security. CONSTITUTION: When a request for track 2 information for mobile payment is received from a payment device (10), a dynamic primary account number (PAN) encoded except for a bank information number (BIN) and dynamic track 2 information including the dynamic PAN are formed. The dynamic track 2 information is transmitted to the payment device. When the dynamic track 2 information is received through a relay server (200), a PAN is extracted by decoding the dynamic track 2 information and a payment account of the payment device is determined by referring to the extracted PAN. [Reference numerals] (10) Payment device; (100) Mobile payment system; (200) Relay server; (50) Card reader slot; (AA) Require D-Track 2; (BB) Generate D-Track 2; (CC) Request for approval (D-Track 2); (DD) Write a message for the request for approval; (EE) Payment cost, information about a member store, D-Track 2; (FF,GG) Message for the approval request; (HH) Decode D-Track 2; (II) Determine validity and a payment limit; (JJ) Validity and the payment limit OK?; (KK) Approval message Y; (LL) Approval message; (MM,NN) Approval cancellation message
    • 目的:提供使用动态轨迹2信息的移动支付系统及其方法,以隐藏来自其他人的轨道2信息的编码和解码过程,并确保高安全性。 构成:当从支付设备(10)接收到用于移动支付的轨道2信息的请求时,除银行信息号(BIN)之外编码的动态主账号(PAN)和包括动态PAN的动态轨迹2信息是 形成。 动态轨迹2信息被传送到支付设备。 当通过中继服务器(200)接收到动态轨道2信息时,通过解码动态轨道2信息来提取PAN,并且通过参考所提取的PAN来确定支付设备的支付账户。 (附图标记)(10)支付装置; (100)移动支付系统; (200)中继服务器; (50)读卡器插槽; (AA)要求D-Track 2; (BB)生成D-Track 2; (CC)要求批准(D-Track 2); (DD)撰写要求批准的消息; (EE)支付费用,有关会员商店的信息,D-Track 2; (FF,GG)批准请求的消息; (HH)解码D-Track 2; (二)确定有效期和付款限额; (JJ)有效期和支付限额吗? (KK)批准信息Y; (LL)批准信息; (MM,NN)批准取消消息