Method for securing card transaction by using mobile device

A method for securing card transaction by using mobile device providing a transaction structure providing a cardholder, an operator of communication tool, a transaction receiving unit, a message transmitter, a communication tool assigned by a card proprietor and a financial exchange network unit (FENU) and comprising following steps:

• (1) the cardholder executing a card transaction at a transaction receiving unit;
• (2) the transaction receiving unit transmitting a message of card transaction to a message transmitter after the card being executed;
• (3) the message transmitter sending the message of card transaction to the communication tool assigned by the card proprietor;
• (4) the operator of communication tool verifying said card transaction message on the communication tool and sending a message of verification to the transaction receiving unit via the message transmitter;
• (5) the transaction receiving unit sending a message of authorization request to the FENU after receiving the message of verification;
• (6) The FENU sending a message of authorization approval to the transaction receiving unit after receiving the message of authorization request;
• and
• (7) Said card transaction is completed after the transaction receiving unit receiving the message of authorization approval.

A method for securing card transaction by using mobile device providing a cardholder, an operator of communication tool, a transaction receiving unit, a message transmitter, at least a communication tool assigned by a card proprietor and a financial exchange network unit (FENU) and comprising following steps:

• (1) the operator of communication tool transmitting an advance information including all or part of data such as a device identification number, a caller's identification number, a designated code agreed by both the card proprietor and the card issue bank and an intention to execute a card transaction, to the message transmitter with the communication tool assigned by the card proprietor;
• (2) the message transmitter transmitting the advance information to the FENU;
• (3) the FENU storing up the advance information and presetting a time interval;
• (4) the cardholder executing the card transaction at the transaction receiving unit;
• (5) the transaction receiving unit transmitting the card transaction message to the FENU for an authorization request;
• (6) the process being terminated and the stored advance information becoming unusable automatically if step (3) to step (5) are not completed within the preset time;
• (7) the FENU sending back an authorization approval to the transaction receiving unit after checking the advance information having been in accordance with the card transaction message sent by the transaction receiving unit;
• and
• (8) said card transaction being completed after the transaction receiving unit receiving the authorization approval.

A method for securing card transaction by using mobile device providing a cardholder, an operator of communication tool, a transaction receiving unit, a message transmitter, at least a communication tool assigned by a card proprietor, a financial exchange network unit (FENU) and comprising following steps:

• (1) the operator of communication tool transmitting an advance information including all or part of data such as a device identification number, a caller's identification number, a designated code agreed by both the card proprietor and the card issue bank and an intention to execute a card transaction, to the message transmitter with the communication tool assigned by the card proprietor;
• (2) the message transmitter transmitting the advance information to the transaction receiving unit;
• (3) the transaction receiving unit storing up the advance information and presetting a time interval;
• (4) the cardholder executing a card transaction at the transaction receiving unit;
• (5) the transaction receiving unit transmitting a message of card transaction to the FENU and asking for authorization after checking the advance information having been in accordance with the message of card transaction;
• (6) the process being terminated and the stored advance information becoming unusable automatically if step (3) to step (5) being not completed within the preset time;
• (7) the FENU sending back a message of authorization approval to the transaction receiving unit;
• and
• (8) the card transaction being completed after the transaction receiving unit having received the message of authorization approval.