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Credit card transaction authentication system and method using mobile terminal

The present invention relates to a credit card transaction authentication system and method using a mobile terminal. There is provided 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 for the mobile terminal containing a transponder therein. The present invention provides advantages that a cumbersome procedure in which the credit card should be handed over and taken again by the user upon making the credit card settlement can be eliminated, and stability of credit card information can be enhanced so that a commercial transaction can be briskly made.

Method and system for generating fixed and/or dynamic rebates in credit card type transactions

The present invention is directed to a method and system for dynamically generating and distributing rebates to a credit cardholder in response to credit card payment transactions initiated by the credit cardholder. The method comprises the steps of processing a credit card transaction initiated by a credit cardholder, storing transaction data corresponding to the credit card transaction in a transaction database, accessing the transaction data stored on the transaction database on a periodic basis to produce a billing statement listing a debt incurred by the credit cardholder, generating a dynamic rebate amount for effecting a discount of the incurred debt for the cardholder, and updating the billing statement to reflect the discount provided by the dynamic rebate amount.

Credit card driver's license

A system and method for obtaining driver's license credit card products is disclosed. Applicants who visit a Department of Motor Vehicles (DMV) facility to obtain a driver's license may be offered the opportunity to obtain a line of credit that is associated with their driver's license. After applicants provide credit information, the DMV facility generates credit validation requests that are sent to a credit card issuer. The credit card issuer determines whether the applicant is eligible to receive a line of credit based on information included in the credit validation requests. The credit card issuer generates credit validation responses based on the determination and sends the response back to the DMV facility. The DMV facility determines whether the applicants were each approved for a line of credit from the credit card issuer, and if so, generates a driver's license credit card product that may be used as a license to operate a motor vehicle and as a standard credit card.

Related Patent
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