To provide a settlement processing system by an off-line transaction approval system for a mobile card and its method capable of reducing card approval costs and processing time, allowing penetration of a card to a small amount cash market having difficulty in access of a card issuing company because of a problem of the approval costs.
The settlement processing system receives issuance of card information and conditional information of off-line transaction approval in a mobile device such as a cellular phone to use the information by a mobile card 10, and loads a black list (B/L) on an applicable card of the mobile device through OTA when a black list (B/L) item is generated in a computer center server of the card issuing company. The settlement processing system is constituted so that B/L confirmation is performed from the mobile device when the card is used, transaction communication is performed with a card reader terminal 23 of a member store only when the card is usable, use approval is performed when the card matches to off-line approval conditions such as a transaction amount and use frequencies, transaction breakdown is stored in the card reader terminal to perform batch processing settlement later.
JUNG HOON JOON
YU SEUNG RYOL
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