# US 2018/0025347 A1 · Server for Managing Card Transaction Service, Card Transaction Service Management Method, and Card Transaction Service Management System

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- Number: US 2018/0025347 A1
- Document ID: US20180025347A1
- Status: Published application
- Kind: A1
- Application number: 15/609,833
- Filed: 2017-05-31
- Published: 2018-01-25
- Earliest claimed: 2016-07-20
- Assignees: Kona I Co., Ltd.
- Applicants: Kona I Co., Ltd.
- Inventors: Minaoar Hossain Tanzil; Sang Hoon Han; Bong Soo Ryu
- Web page: https://patentgrep.com/patent/US20180025347A1

## CPC

- G06Q 20/346: {Cards serving only as information carrier of service}
- 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

## Abstract

Disclosed are a server for managing a card transaction service, a card transaction service management method, and a card transaction service management system. The server includes a transaction management unit that receives a request message for setting a physical card from a mobile terminal and transmits the request message to a token service provider, the token service provider that receives the request message to extract a token value of a mobile card and maps PAN information corresponding to the token value of the mobile card to a token value of the physical card to store the mapped PAN information, and a card management unit that stores at least one PAN information and transaction detail information corresponding to the at least one PAN information. The request message includes the token value of the physical card and information on the mobile card mapped to the physical card.

## Claims

### Claim 1

A server for managing a card transaction service, comprising:
a transaction management unit configured to receive a request message for setting a physical card from a mobile terminal and transmit the request message to a token service provider;
the token service provider configured to receive the request message to extract a token value of a mobile card and map PAN information corresponding to the token value of the mobile card to a token value of the physical card to store the mapped PAN information; and
a card management unit configured to store at least one PAN information and transaction detail information corresponding to the at least one PAN information, wherein the request message includes the token value of the physical card and information on the mobile card mapped to the physical card.

### Claim 2 (depends on 1)

The server of claim 1, wherein the token service provider matches the token value with the PAN information in a one-to-one correspondence and stores the token value matched with the PAN information in the form of a table.

### Claim 3 (depends on 1)

The server of claim 1, further comprising a card issue unit that issues at least one mobile card in response to a request from the mobile terminal, wherein, when a new card is issued, the card issue unit generates and stores a token value, a card ID, and PAN information of the new card.

### Claim 4 (depends on 3)

The server of claim 3, wherein the mobile card is stored in a service application installed in the mobile terminal in a host card emulation (HCE).

### Claim 5 (depends on 1)

The server of claim 1, wherein the transaction management unit receives a transaction request message from a payment terminal and transmits a token value included in the transaction request message to the token service provider, and the token value is a token value of a card used for a transaction.

### Claim 6 (depends on 5)

The server of claim 5, wherein the token service provider extracts the PAN information corresponding to the token value and transmits the extracted PAN information to the transaction management unit, the transaction management unit transmits the PAN information to the card management unit, and the card management unit determines whether to approve the transaction using the transaction detail information corresponding to the PAN information.

### Claim 7

A method for managing a card transaction service performed by a service server, comprising:
receiving a request message for setting a physical card from a mobile terminal;
extracting, by a token service provider, a token value of a mobile card by receiving the request message;
mapping PAN information corresponding to the token value of the mobile card to a token value of the physical card to store the mapped PAN information; and
generating and storing, by a card management unit, the PAN information and transaction detail information corresponding to at least one of the PAN information, wherein the request message comprises the token value of the physical card and information on the mobile card mapped to the physical card.

### Claim 8 (depends on 7)

The method of claim 7, wherein the token service provider matches the token value with the PAN information in a one-to-one correspondence and stores the token value matched with the PAN information in the form of a table.

### Claim 9 (depends on 7)

The method of claim 7, wherein the service server issues at least one mobile card in response to a request from the mobile terminal and allows, when a new card is issued, the token service provider to store a token value of the new card and PAN information of the new card.

### Claim 10 (depends on 7)

The method of claim 7, wherein the service server is connected to the mobile terminal through a service application operated in the mobile terminal, and the service application generates the request message using a token value of a mobile card selected in a tagging state of the mobile terminal and the physical card.

### Claim 11 (depends on 7)

The method of claim 7, further comprising:
receiving a transaction request message from a payment terminal;
extracting PAN information corresponding to a token value of a card used for a transaction, which is included in the transaction request message; and
determining whether to approve the payment using the transaction detail information corresponding to the PAN information.

### Claim 12

A system for managing a card transaction service, comprising:
a mobile terminal that stores at least one mobile card using a service application and transmits a setting request message to map the physical card to the mobile card; and
a service server that receives the request message from the mobile terminal and maps PAN information corresponding to a token value of the mobile card to a token value of the physical card to store the mapped PAN information, wherein the request message comprises the token value of the physical card and information on the mobile card mapped to the physical card.

### Claim 13 (depends on 12)

The system of claim 12, wherein the service application generates the request message using the token value of the mobile card selected in a tagging state of the mobile terminal and the physical card.