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    • 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
    • US20080249948A1
    • 2008-10-09
    • US12146992
    • 2008-06-26
    • Chul Ki KimQue Min HwangJung Hun KimKwang Su Chang
    • Chul Ki KimQue Min HwangJung Hun KimKwang Su Chang
    • H04L9/32G06Q20/00G06Q30/00
    • 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该密钥安全算法的移动通信商业交易系统使用对称密钥算法的诸如客户身份号码和有效日期之类的财务信息,通过使用客户端的电子钱包管理号码 终端在应用发卡时用作加密密钥,并且将加密的财务信息直接输入到客户的电子钱包终端中,或者经由通信网络将其输入。 在通过存储加密的财务信息的移动通信终端进行商业交易结算的情况下,输入自己的电子钱包管理号码,使得加密的财务信息和管理号光学地发送到POS 附属店的终端/卡查询机。 已经接收到加密的财务信息和管理号码的POS终端/卡查询机使用接收到的电子钱包管理号码,并且用管理号解码加密的财务信息。 因此,尽管未经授权的人员知道加密算法,除非客户的电子钱包管理号码被非法暴露,否则不能使用客户的财务信息。 也就是说,可以提供从根本上防止客户的财务信息被非法复制的效果。