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Credit card transaction authentication system and method using mobile terminal

  • US 20020152178A1
  • Filed: 05/30/2001
  • Published: 10/17/2002
  • Est. Priority Date: 04/12/2001
  • Status: Abandoned Application
First Claim
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1. A credit card transaction authentication system using a mobile terminal for performing a work of credit card authentication for a relay system of a VAN company connected between an approval system of a credit card company, which can approve a credit card settlement of the prices, and a transaction approval terminal, which requests credit card transaction approval by means of contactless radio-frequency identification of said mobile terminal containing a transponder therein, comprising:

  • a process server connected with said relay system of said VAN company through a network, for operating a site, which provides an environment capable of performing registration and modification of credit card information for a credit card settlement function by means of said contactless radio-frequency identification of said mobile terminal, and for controlling said credit card transaction authentication system to perform said work of credit card authentication for said relay system of said VAN company;

    an authentication engine which in accordance with control of said process server, upon receipt of credit card authentication request data on said mobile terminal from said relay system of said VAN company that has received price settlement request data generated from said transaction approval terminal by means of said contactless radio-frequency identification of said mobile terminal, extracts credit card connection information on said mobile terminal, based on said received authentication request data and transmits authentication data to said relay system of said VAN company; and

    a database server for storing information on a user of said mobile terminal, said credit card connection information resulted from said contactless radio-frequency identification of said mobile terminal, and information on a peculiar code of said transponder contained in said mobile terminal, according to said control of said process server.

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