Method of conducting an emu payment process using irfm

• US 20040236672A1
• Filed: 07/02/2004
• Published: 11/25/2004
• Est. Priority Date: 11/02/2001
• Status: Active Grant

• Current Assignee: SK Planet Co., Ltd. (SK Telecom Co., Ltd.)
• Original Assignee: SK Telecom Co., Ltd.
• Inventors: Seong, Kwon Ja, Jung, Eun Su, Park, Jong Sung, Choi, Chang Ho
• Granted Patent: US 7,664,702 B2
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence

Abstract

The present invention relates to a method of conducting an EMV (Europay Master Visa) payment process optimally using IrFM (Infrared Financial Messaging) between a mobile terminal and a POS (Point Of Sale) terminal. In the present method, if a buyer is authenticated based on information written in a card chip installed in a mobile terminal, information for transaction approval is transmitted to a POS terminal, and if an approval is responded from the POS terminal, a digital receipt for this transaction is transmitted to the POS terminal. Then, if transaction end is requested from the POS terminal, a connected session is released.

Claims

1. A method for performing an EMV (Europay, Master and Visa) payment process based on IrFM (Infrared Financial Messaging) using a mobile communication terminal with a card chip embedded therein, comprising the steps of:

(a) selecting a list of available applications supported by the card chip within the mobile communication terminal and a payment-processing terminal and initiating transaction processing;

(b) checking a password of a user of the mobile communication terminal according to an authentication procedure in an off-card software module being one of the applications, establishing a radio link between the mobile communication terminal and the payment-processing terminal in response to a stroked specific key if the user is authenticated, and receiving a credit information request from the payment-processing terminal through the established radio link;

(c) transmitting an ARQC (Authorization Request Cryptogram) message and membership information to the payment-processing terminal in response to the credit information request;

(d) allowing the off-card software module to receive an ARPC (Authorization Response Cryptogram) message from the payment-processing terminal as a response to the ARQC message, to request the card chip to authenticate an issuer, and to transmit a digital receipt resulted from a transaction to the payment-processing terminal if the issuer is authenticated; and

(e) allowing the off-card software module to receive a transaction completion message from the payment-processing terminal and to release an connected session for the transaction.

2. The method set forth in claim 1, wherein the step (a) provides a GET PROCESSING OPTION command for synchronization to the card chip to notify the transaction processing initiation.

3. The method set forth in claim 1, further comprising the step of:

if the transaction processing has been initiated, allowing the off-card software module included in the mobile communication terminal to read data needed for the transaction processing from the card chip and to receive additional information to authenticate the user.

4. The method set forth in claim 1, wherein, when the specific key is stroked, the step (b) allows an application software module included in the mobile communication terminal to search for a radio link to the payment-processing terminal and to connects the mobile communication terminal to the radio link in response to a connection request message for a radio link connection continuously transmitted from the payment-processing terminal.

5. The method set forth in claim 4, wherein the specific key is provided to switch an operating mode to an IrFM server mode and is provided from a PIN (Personal Identification Number).

6. The method set forth in claim 1, further comprising the steps of:

if an approval request is received from the payment-processing terminal, allowing the off-card software module to provide a first GENERATE AC (Application Cryptogram) to the card chip to decide an online or offline authentication; and

allowing the card chip to provide a result of the online authentication decision to the off-card so£

tware module in response to the first GENERATE AC.

7. The method set forth in claim 1, wherein the membership information is selected and read from the card chip and then stored in a memory.

8. The method set forth in claim 1, further comprising the steps of:

if the ARQC message and membership information are transmitted to the payment-processing terminal, allowing the payment-processing terminal to provide the membership information to a communication service provider and to provide the ARQC message to a card company; and

allowing the payment-processing terminal to receive the ARPC message from the card company and to transmit the ARPC message to the off-card software module included in the mobile communication terminal.

9. The method set forth in claim 1, wherein the issuer authentication is carried out through a checking process on whether the ARPC message received from the payment-processing terminal is a response message having an authorized approval.

10. The method set forth in claim 1, further comprising the steps of:

if the ARPC message is authorized, providing a second GENERATE AC to the card chip to terminate the transaction with the payment-processing terminal;

allowing the card chip to provide, to the off-card software module, the digital receipt as a response to the second GENERATE AC;

allowing the off-card software module to receive the digital receipt and to ask the card chip about whether data related to card data has been changed or not; and

editing, if any changed data exists, the digital receipt based on the changed data.

11. The method as set forth in claim 1, wherein the payment-processing terminal, if the digital receipt is received from the off-card software module, provides the digital receipt to a bank server, electronically receives a settled amount of money from the bank server, transmits the transaction completion message to the off-card software module, and releases the connected session.