Security in mobile payment service
AssigneeKt Corporation
InventorsJong-Han Park, Dong-Wan Kim, Min-Gu Lee, Ra-Woon Choi
Life of this patent
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Abstract
The disclosure is related to providing a mobile payment service without revealing an actual payment card number. User equipment may be configured to receive a set of virtual mobile payment card numbers assigned to a mobile payment card, to select one of the received virtual mobile payment card numbers based on a payment initiation time upon generation of a predetermined event, and to transmit a payment request with the selected virtual mobile payment card number and the payment initiation time to the server through at least one of a point-of-sale (POS) terminal and a value-added network (VAN) server.
Claims10
A method of preventing payment card information from being revealed to third parties, by a user equipment including at least one processor, at least one memory, and at least one communication circuit, the method comprising:
- receiving, from a server, a message including information on a set of virtual mobile payment card numbers assigned to a mobile payment card of user equipment through a communication link established between the server and the user equipment;
- selecting, by the user equipment, one of the received virtual mobile payment card numbers based on a payment initiation time upon generation of a predetermined event the selecting includes:
- selecting a virtual mobile payment card number assigned a valid time period matched with the payment initiation time, where the payment initiation time is a date and time of initiating a payment;
- and
- generating, by the user equipment payment request to include information on the selected virtual mobile payment card number with the payment initiation time;
- and
- transmitting a payment request message with information on the selected virtual mobile payment card number and the payment initiation time to the server through at least one of a point-of-sale (POS) terminal and a value-added network (VAN) server.
User equipment for preventing payment card information from being revealed to third parties, by a user equipment including at least one processor, at least one memory, and at least one communication circuit, the user equipment comprising:
- at least one communication circuit configured to establish a link to at least one of a server, a point-of-sale (POS) terminal, and a value-added network (VAN) server, to transmit digital messages to the at least one of the server, the POS terminal, and the VAN server, and to receive information from the at least one of the server, the POS terminal, and the VAN server through the established link;
- at least one memory configured to store information associated with preventing payment card information from being revealed to third parties;
- and
- at least one processor configured to control the at least one communication circuit and the at least one memory and to perform operations based on the digital messages transmitted and received through the at least one communication circuit and based on the information stored in the at least one memory,
- wherein the at least one processor is configured to:
- receive, from the server, a message including information on a set of virtual mobile payment card numbers assigned to a mobile payment card issued to the user equipment;
- select, by the user equipment, one of the received virtual mobile payment card numbers based on a payment initiation time upon generation of a predetermined event the selecting includes:
- selecting a virtual mobile payment card number assigned a valid time period matched with the payment initiation time, where the payment initiation time is a date and time of initiating a payment;
- and
- generating, by the user equipment payment request to include information on the selected virtual mobile payment card number with the payment initiation time;
- and
- transmit a payment request message with the selected virtual mobile payment card number and the payment initiation time to the server through at least one of the point-of-sale (POS) terminal and the value-added network (VAN) server.
Dependencies are inferred from the claim text.