WO2003048882A3 - Payment apparatus and method using transfer card - Google Patents

Payment apparatus and method using transfer card Download PDF

Info

Publication number
WO2003048882A3
WO2003048882A3 PCT/KR2002/002257 KR0202257W WO03048882A3 WO 2003048882 A3 WO2003048882 A3 WO 2003048882A3 KR 0202257 W KR0202257 W KR 0202257W WO 03048882 A3 WO03048882 A3 WO 03048882A3
Authority
WO
WIPO (PCT)
Prior art keywords
credit
payment
card
persons
transfer card
Prior art date
Application number
PCT/KR2002/002257
Other languages
French (fr)
Other versions
WO2003048882A2 (en
Inventor
Young-Jin Kim
Original Assignee
Digital Service Co Ltd
Young-Jin Kim
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Digital Service Co Ltd, Young-Jin Kim filed Critical Digital Service Co Ltd
Priority to AU2002365789A priority Critical patent/AU2002365789A1/en
Publication of WO2003048882A2 publication Critical patent/WO2003048882A2/en
Publication of WO2003048882A3 publication Critical patent/WO2003048882A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G06Q50/60—

Abstract

The present invention relates generally to a payment apparatus and method using a transfer card, in which a young person or person ineligible to be issued with a credit card is provided with the transfer card linked to a credit card owned by his guardian or an alternative payer and designed to perform payment so that he can use a certain amount of money within the credit limit of the credit card of the guardian or alternative payer, thereby allowing the persons to be capable of smoothly using a credit card and allowing alternative payment for the use of the transfer card in a deferred or an advance payment manner. Accordingly, the payment apparatus and method can minimize economic losses caused by imprudent use of credit cards by the persons, and prevent various problems due to the use of credit cards by such persons.
PCT/KR2002/002257 2001-12-01 2002-11-30 Payment apparatus and method using transfer card WO2003048882A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002365789A AU2002365789A1 (en) 2001-12-01 2002-11-30 Payment apparatus and method using transfer card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020010075638A KR20030045232A (en) 2001-12-01 2001-12-01 Device and method for settling price using transfer card
KR2001-0075638 2001-12-01

Publications (2)

Publication Number Publication Date
WO2003048882A2 WO2003048882A2 (en) 2003-06-12
WO2003048882A3 true WO2003048882A3 (en) 2003-10-09

Family

ID=19716530

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2002/002257 WO2003048882A2 (en) 2001-12-01 2002-11-30 Payment apparatus and method using transfer card

Country Status (3)

Country Link
KR (1) KR20030045232A (en)
AU (1) AU2002365789A1 (en)
WO (1) WO2003048882A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7899742B2 (en) 2001-05-29 2011-03-01 American Express Travel Related Services Company, Inc. System and method for facilitating a subsidiary card account
US20100094735A1 (en) * 2006-11-15 2010-04-15 Charles Reynolds Methods and systems for automated payments

Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH1063925A (en) * 1996-08-26 1998-03-06 Aimu:Kk Account settling system by credit card on internet unnecessitating encipherment of credit card number
KR20000030170A (en) * 2000-01-07 2000-06-05 임공진 Money exchange method for electronic settlement using tele-communication network and hybrid card
EP1037180A2 (en) * 1999-03-18 2000-09-20 Sony Computer Entertainment Inc. Electronic settlement system, transaction card, transaction terminal, transaction management terminal, and automatic prepayment transaction terminal
US6158657A (en) * 1999-09-03 2000-12-12 Capital One Financial Corporation System and method for offering and providing secured credit card products
KR20010000727A (en) * 2000-10-16 2001-01-05 정준용 Method and apparatus for notifying credit transaction information
WO2001016896A1 (en) * 1999-08-31 2001-03-08 Capital One Financial Corporation System and method for assigning a line of credit to a credit card account
EP1115095A2 (en) * 1998-03-25 2001-07-11 Orbis Patents Limited Credit card system and method
KR20010073901A (en) * 2000-01-22 2001-08-03 박홍규 Electronic Settlement System Using Advance Payment Typed Card Related to Credit Card
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
KR20020021515A (en) * 2000-09-15 2002-03-21 김영덕 Cyber credit card system
KR20010016409A (en) * 2000-12-08 2001-03-05 김형일 A method and system for supplying spending money card by other
KR20010078918A (en) * 2001-05-17 2001-08-22 김권 Method for management a credit card and system for the performing the same
KR20030009733A (en) * 2001-07-23 2003-02-05 성낙영 A business technique that allows a minor child to receive a student card and use the credit of a guardian who has a credit card

Patent Citations (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH1063925A (en) * 1996-08-26 1998-03-06 Aimu:Kk Account settling system by credit card on internet unnecessitating encipherment of credit card number
EP1115095A2 (en) * 1998-03-25 2001-07-11 Orbis Patents Limited Credit card system and method
EP1037180A2 (en) * 1999-03-18 2000-09-20 Sony Computer Entertainment Inc. Electronic settlement system, transaction card, transaction terminal, transaction management terminal, and automatic prepayment transaction terminal
WO2001016896A1 (en) * 1999-08-31 2001-03-08 Capital One Financial Corporation System and method for assigning a line of credit to a credit card account
US6158657A (en) * 1999-09-03 2000-12-12 Capital One Financial Corporation System and method for offering and providing secured credit card products
KR20000030170A (en) * 2000-01-07 2000-06-05 임공진 Money exchange method for electronic settlement using tele-communication network and hybrid card
KR20010073901A (en) * 2000-01-22 2001-08-03 박홍규 Electronic Settlement System Using Advance Payment Typed Card Related to Credit Card
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
KR20010100380A (en) * 2000-05-01 2001-11-14 윤영식 Method and apparatus for paying a charge of goods or service using a mobile phone
KR20010000727A (en) * 2000-10-16 2001-01-05 정준용 Method and apparatus for notifying credit transaction information

Also Published As

Publication number Publication date
KR20030045232A (en) 2003-06-11
AU2002365789A1 (en) 2003-06-17
AU2002365789A8 (en) 2003-06-17
WO2003048882A2 (en) 2003-06-12

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