KR20030039241A - Device and method for settling price using bar code of mobile communication cellular phone - Google Patents

Abstract

The present invention relates to a payment device and method using a bar code stored in a mobile communication terminal, in particular, after storing a bar code in a mobile communication terminal, reserves a certain amount of money to be used by a user through a wireless or Internet network, The present invention relates to a billing apparatus and method using a bar code stored in a mobile communication terminal to make an involuntary payment. According to the billing apparatus and method using a bar code stored in a mobile communication terminal of the present invention, a mobile terminal possessed by a user After storing the barcode in the user can use the barcode to use the desired amount within the usage of the credit card possessed by the user, as well as mobile communication using personal communication means (PC, notebook, etc.) Enter the barcode number and password stored in the terminal to retrieve the item. By not only minimizing the inconvenience caused by having a credit card, but also preventing crimes caused by the loss of a credit card, minimizing the economic loss caused by indiscriminate use of the card, postpay or It's a great way to pay for your purchases in advance.

Description

Payment device and method using barcode stored in mobile communication terminal {DEVICE AND METHOD FOR SETTLING PRICE USING BAR CODE OF MOBILE COMMUNICATION CELLULAR PHONE}

The present invention relates to a billing apparatus and method using a bar code stored in a mobile communication terminal, in particular, after storing a bar code in a mobile communication terminal and reserves a certain amount to be used by a user through a wireless or Internet network, The present invention relates to a billing apparatus and method using a barcode stored in a mobile communication terminal that enables payment in a postpaid manner.

In general, all retailers, such as convenience stores, franchises, family restaurants, large discount stores or department stores, buy or use goods and then use a magnetic credit card to make discounts and purchases.

However, most of the customers who use the discount and purchase service as described above are not only inconvenienced to carry the existing magnetic credit card directly, but also can easily purchase the goods when other credit card is lost. There was a security problem.

Therefore, in recent years, in order to improve the inconvenience and the security problems of the possession of the credit card as described above, the spread of smart cards with integrated IC chip is currently in progress.

However, the smart card has the advantage that can store a large amount of information for the user than the existing magnetic credit card to integrate a number of functions, like the existing magnetic card has the problem of always having a separate, as well as lost There was a problem that more personal information is leaked than the magnetic card can be used for more crimes.

Accordingly, an object of the present invention is to solve the conventional problems as described above, and an object of the present invention is to store a barcode in a mobile communication terminal possessed by a user and then use a credit card possessed by the user using the barcode. By allowing you to use any amount you want in post-payment, you can minimize the inconvenience of having a credit card, prevent crimes caused by loss of your credit card, and minimize economic losses from indiscriminate use of your card. The present invention provides a payment device and method using a barcode stored in a mobile communication terminal.

In order to achieve the above object, a payment device using a barcode stored in a mobile communication terminal of the present invention outputs wireless data for receiving a barcode by key operation of an Internet user, and receives received wireless barcode data. A mobile communication terminal for storing and displaying a barcode by key operation of an internet user;

A mobile communication system for receiving and outputting wireless data output from the mobile communication terminal and receiving barcode information and outputting the barcode data to the mobile communication terminal;

A swap server for receiving and outputting wireless data output from the mobile communication system and receiving the barcode information and outputting the barcode data to the mobile communication system;

A barcode server for receiving and outputting wireless data output from the swap server and outputting corresponding barcode information;

A member database server that receives wireless data output from the barcode server, stores personal information of the Internet user and authentication information according to the use of a barcode, and outputs a control signal corresponding thereto;

A single-character message server that receives the control signal output from the member database server and outputs corresponding character information so that an internet user can receive product purchase information according to the use of a barcode through the mobile communication terminal;

A barcode reader for reading the barcode displayed on the mobile communication terminal and outputting information according to the purchase of goods;

Personal communication means for outputting the data corresponding to the Internet users to enter the bar code number and password to purchase the goods, while receiving the data according to the use of the bar code by e-mail and display the Internet user to view;

An e-commerce site server that receives the data output from the personal communication means and provides the information according to the purchase of the goods of the Internet user and outputs the corresponding goods purchase information;

A financial settlement system that receives the goods purchase information output from the barcode reader or the e-commerce site server, processes the credit result according to the use of the barcode, and outputs corresponding authentication information through the Internet network;

A web server which receives data output from the personal communication means and authentication information from the financial settlement system and outputs the authentication information to the member database server;

Receiving a control signal output from the member database server is characterized in that the mail server for outputting to the e-mail via the personal communication means so that the Internet users can see the goods purchase information according to the use of the bar code.

On the other hand, the payment method using the bar code stored in the mobile communication terminal of the present invention is a bar code downloading step of the Internet user to download the barcode information through the mobile communication terminal;

A goods purchase determining step of determining whether an internet user has purchased an item using a barcode displayed on the mobile communication terminal or a personal communication means;

In the step of determining whether to purchase the goods, if the Internet user does not purchase the goods through a mobile communication terminal or a personal communication means, and the end of the purchase, the financial settlement system authenticates the credit result of the Internet user when purchasing the goods;

In the member database server, a step of storing personal information and goods purchase information, in which an internet user stores various information according to a purchase of goods through a mobile communication terminal or a personal communication means, and

Characteristic or e-mail information sending step for sending a text or e-mail information so that the Internet user knows the goods purchase information according to the purchase through the mobile communication terminal or personal communication means.

1 is a block diagram showing a payment device using a barcode stored in a mobile communication terminal according to an embodiment of the present invention;

2 is a flowchart illustrating a payment method using a barcode stored in a mobile communication terminal according to an embodiment of the present invention;

3 is a flowchart illustrating a barcode downloading step in a payment method using a barcode stored in a mobile communication terminal according to an embodiment of the present invention;

4 is a flowchart illustrating a step of determining whether to purchase an item in a payment method using a barcode stored in a mobile communication terminal according to an embodiment of the present invention;

5 is a flowchart illustrating a step of sending a character or email information in a payment method using a barcode stored in a mobile communication terminal according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: mobile communication terminal 200: mobile communication system

300: swap server 400: barcode server

500: Member Database Server 600: Short Message Server

700: barcode reader 800: personal communication means

900: e-commerce site server 1000: financial settlement system

1100: web server 1200: mail server

Hereinafter, an apparatus and method for a payment using a barcode stored in a mobile communication terminal according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a payment device using a bar code stored in a mobile communication terminal, FIG. 2 is a flowchart illustrating a payment method using a bar code stored in a mobile communication terminal, and FIG. In the payment method, it is a flowchart illustrating a barcode downloading step.

In addition, Figure 4 is a flow chart illustrating a step of determining whether to purchase goods in the payment method using a bar code stored in the mobile communication terminal, Figure 5 is a step of sending a character or e-mail information in the payment method using a bar code stored in the mobile communication terminal The flowchart shown.

As shown in FIG. 1, the present invention provides a mobile communication terminal 100, a mobile communication system 200, a swap server 300, a barcode server 400, a member database server 500, and a single-character message server 600. ), A barcode reader 700, a personal communication means 800, e-commerce site server 900, financial settlement system 1000, web server 1100 and mail server 1200, the mobile communication terminal ( 100) outputs wireless data for receiving a barcode by a key operation of the Internet user, and receives and stores the received wireless barcode data and displays the barcode by key operation of the Internet user.

In addition, the mobile communication system 200 receives and outputs wireless data output from the mobile communication terminal 100, and receives barcode information and outputs the barcode data to the mobile communication terminal 100. The server 300 receives and outputs wireless data output from the mobile communication system 200, and receives the barcode information and outputs the barcode data to the mobile communication system 200.

Subsequently, the barcode server 400 receives and outputs wireless data output from the swap server 300 and outputs barcode information corresponding thereto, and the barcode server 400 in the member database server 500. It receives the wireless data output from the 400 stores the personal information of the Internet user and the authentication information according to the use of the bar code, and serves to output a corresponding control signal.

In addition, the short message server 600 receives the control signal output from the member database server 500 so that the Internet user can receive the goods purchase information according to the use of the bar code through the mobile communication terminal 100. It outputs the corresponding character information.

In addition, the barcode reader 700 reads a bar code displayed on the mobile communication terminal 100 and outputs information according to an item purchase. In the personal communication means 800, the Internet user uses a barcode number. And outputs data corresponding to the purchase of goods by inputting a password and displays data for Internet users to receive the data according to the use of barcodes by e-mail.

On the other hand, the e-commerce site server 900 receives the data output from the personal communication means 800 provides information on the purchase of goods of the Internet user and at the same time serves to output the corresponding goods purchase information.

In addition, the financial settlement system 1000 receives the goods purchase information output from the bar code reader 700 or the e-commerce site server 900 to process the credit result according to the use of the bar code, and to provide corresponding authentication information. It plays a role of printing through internet network.

Subsequently, the web server 1100 receives data output from the personal communication means 800 and authentication information from the financial settlement system 1000 and outputs the authentication information to the member database server 500. The server 1200 receives a control signal output from the member database server 500 and outputs an e-mail to the personal communication means 800 so that an Internet user can view the item purchase information according to the use of a barcode. .

Hereinafter, an operation process of a postpaid charging card payment device of a mobile communication terminal configured as described above will be described.

When an Internet user operates a key button (not shown) of a mobile communication terminal 100 possessed by an individual in order to store a bar code on a mobile communication terminal 100 (for example, a mobile phone or a PDA) to purchase an article, The mobile communication terminal 100 outputs wireless data for receiving a bar code by key operation of an Internet user.

Then, the mobile communication system 200 and the swap server 300 receives and outputs a wireless terminal output from the mobile communication terminal 100, and the barcode server 400 wireless data output from the swap server 300. While receiving and outputting, and outputs the corresponding barcode information.

Subsequently, the barcode information output from the barcode server 400 is output to the mobile communication terminal 100 through the swap server 300 and the mobile communication system 200, and the mobile communication terminal 100 moves the barcode information. After receiving and storing the barcode information output from the communication system 200, the barcode is displayed by a user's key manipulation.

At this time, the member database server 500 receives the wireless data output from the barcode server 400 and stores the personal information of the Internet user and authentication information according to the use of the barcode.

Meanwhile, when an internet user purchases an item using a bar code stored in the mobile communication terminal 100 as described above, the bar code reader 700 reads the bar code stored in the mobile communication terminal 100 to purchase an item. Read the information according to the output.

Then, the financial settlement system 1000 receives the goods purchase information output from the barcode reader 700 and processes the credit result according to the use of the barcode, and outputs the corresponding authentication information through the Internet network, and the member The database server 500 stores authentication information corresponding to the purchase of goods output from the financial settlement system 1000.

On the other hand, if the Internet user does not use the barcode stored in the mobile communication terminal 100, but wants to purchase goods using the barcode number and password, the personal communication means 800 used by the Internet user (eg For example, use a mouse (not shown) of a PC, laptop, etc. to access an e-commerce site, select the item, and enter data according to the purchase of the item using a keyboard (not shown) with a barcode number and password.

Then, the e-commerce site server 900 receives the data output from the personal communication means 800 and displays the goods information of the Internet user, and outputs the goods purchase information corresponding thereto.

Subsequently, the financial settlement system 1000 receives the goods purchase information output from the electronic commerce site, processes the credit result of the Internet user according to the use of the barcode number and the password, and outputs corresponding authentication information through the Internet network. .

Then, the web server 1100 receives the data output from the personal communication means 800 and the authentication information output from the financial settlement system 1000 and outputs the data to the member database server 500, and the member database server. In 500, the item purchase information using the barcode number and password of the Internet user is stored.

Subsequently, the member database server 500 determines the type of goods purchased by the Internet user, that is, whether the barcode of the mobile communication terminal 100 is used or whether the barcode number and the password are used through the personal communication means 800. According to whether or not to output the corresponding control signal.

In this case, when the Internet user uses the mobile communication terminal 100, the short message server 600 receives the control signal output from the member database server 500 so that the Internet user can know the information according to the goods purchase. A text message according to the item purchase information is output to the mobile communication terminal 100.

In addition, when the Internet user uses the personal communication means 800, the mail server receives the control signal output from the member database server 500 so that the Internet user can know the information according to the purchase of the goods ( In step 800, information according to the item purchase information is output by electronic mail.

On the other hand, as described above, after the Internet user purchases the goods, payment for the goods can be paid by post-pay or prepaid by the choice of the Internet user. According to the credit card limit, you can set the amount of purchase of the goods by using the barcode in advance and pay for the goods on the same date as the payment date of the credit card, or purchase the goods using the revolving service that is generally performed. You can pay the cost.

In addition, when the prepaid payment is described as an example, when the Internet user purchases an item corresponding to the balance of the bank account used by the Internet user, the item purchase cost may be automatically paid.

Meanwhile, when the payment method using the barcode stored in the mobile communication terminal is described in more detail as shown in FIG. 2, the Internet user downloads the barcode information through the barcode server 400 through the mobile communication terminal 100. (S100).

Subsequently, the financial settlement system 1000 determines whether an internet user has purchased an item using a barcode displayed on the mobile communication terminal 100 or a personal communication means 800 (S200).

At this time, in the step of determining whether to purchase the goods, if the Internet user does not purchase the goods through the mobile communication terminal 100 or the personal communication means 800, and ends. Authenticate the result (S300).

In addition, the member database server 500, the Internet user stores a variety of information according to the purchase of goods through the mobile communication terminal 100 or personal communication means (800) (S400), the mobile communication terminal 100 or Through the personal communication means 800, an Internet user sends text or e-mail information so as to know the goods purchase information according to the goods purchase (S500).

On the other hand, the barcode downloading step (S100) is, as shown in Figure 3, the bar code server 400 determines whether or not the Internet user connected to receive the bar code through the mobile communication terminal (100) (S110) In the step of determining whether the barcode server 400 is connected (S110), when the Internet user does not access the barcode server 400 through the personal communication means 800, the determination of whether the barcode server 400 is connected (S110). Returning to, the barcode server 400 determines whether or not the member (S120).

Subsequently, in the member determination step (S120), if the Internet user is not a member, a member is requested to be registered. If the member is a member, the barcode server 400 determines whether the Internet user has applied for a barcode payment (S130).

At this time, if the bar code payment application determination step (S130), if the Internet user does not apply for bar code payment is terminated, and if the bar code server 400, the bar code information and personal information of the Internet user through the member database server 500 After storing the bar code (S140).

In addition, the step of determining whether to purchase the goods (S200), as shown in Figure 4, whether the Internet user in the financial settlement system 1000 purchased the goods using a bar code stored in the mobile communication terminal 100. It is determined whether or not (S210).

In addition, when the Internet user purchases the goods using the barcode of the personal communication means 800 in the bar code purchase item purchase determination step (S210), the financial settlement system 1000 receives a credit result according to the purchase of the goods of the Internet user. Meanwhile, the authentication information is stored in the member database server 500 through the web server 1100 (S220).

On the other hand, if the Internet user does not purchase the goods using the bar code stored in the mobile communication terminal 100 in the bar code purchase item determination step (S210), the Internet payment system personal communication in the financial settlement system (1000) Through the means 800, it is determined whether the item is purchased from the e-commerce site by using the barcode number and the password (S211).

In addition, in the step of determining whether to purchase the goods using the barcode number and password (S211), if the Internet user does not purchase the goods using the barcode number and the password through the personal communication means 800, and ends the purchase, the financial settlement The system 1000 processes the credit result according to the purchase of the goods of the Internet user, and stores authentication information to the member database server 500 through the web server 1100 (S212).

Subsequently, the sending of the text or e-mail information (S500), as shown in FIG. 5, determines whether the Internet user has purchased the goods through the mobile communication terminal 100 in the member database server 500. (S510).

In addition, when the Internet user purchases the goods using the mobile communication terminal 100 in the step of determining whether to purchase the goods using the mobile communication terminal 100 (S510), the member database server 500 receives a corresponding control signal. In step S520, the short message server 600 receives a control signal output from the member database server 500 so that the Internet user can receive information regarding the purchase of the goods. 100) (S530).

On the other hand, if the Internet user does not purchase the goods using the mobile communication terminal 100 in the step of determining whether to purchase goods using the mobile communication terminal 100, the member database server 500 in the personal communication means 800 It is determined whether or not the item was purchased through the (S511).

In addition, in the step of determining whether to purchase the goods using the personal communication means (800) (S511), if the Internet user does not purchase the goods using the personal communication means (800), the member database server (500) when purchasing the goods In step S512, a corresponding control signal is output (S512), and the mail server receives the control signal output from the member database server 500 so that the Internet user can know the information according to the purchase of the personal communication by e-mail. Output to means 800 (S513).

As described above, the apparatus and method for payment using a barcode stored in a mobile communication terminal according to the present invention stores a barcode in a mobile communication terminal possessed by a user and then uses a credit card possessed by the user using the barcode. In addition to allowing the user to use a desired amount within the province as a postpaid method, by using a personal communication means (PC, laptop, etc.) by inputting the bar code number and password stored in the mobile communication terminal, according to the possession of the credit card In addition to minimizing inconvenience and preventing crimes caused by lost credit cards, it is possible to pay for post-paid or prepaid goods at the option of the user. Provide alternative means of payment that do not alter the business process of use And it has excellent effect that credit card payments can be a convenient and secure payments to help reduce the burden on the user to use the card.

Claims (9)

A mobile communication terminal for outputting wireless data for receiving a barcode by key operation of an internet user, receiving and storing received wireless barcode data, and displaying a barcode by key operation of an internet user; A mobile communication system for receiving and outputting wireless data output from the mobile communication terminal and receiving barcode information and outputting the barcode data to the mobile communication terminal; A swap server for receiving and outputting wireless data output from the mobile communication system and receiving the barcode information and outputting the barcode data to the mobile communication system; A barcode server for receiving and outputting wireless data output from the swap server and outputting corresponding barcode information; A member database server that receives wireless data output from the barcode server, stores personal information of the Internet user and authentication information according to the use of a barcode, and outputs a control signal corresponding thereto; A single-character message server that receives the control signal output from the member database server and outputs corresponding character information so that an internet user can receive product purchase information according to the use of a barcode through the mobile communication terminal; A barcode reader for reading the barcode displayed on the mobile communication terminal and outputting information according to the purchase of goods; Personal communication means for outputting the data corresponding to the Internet users to enter the bar code number and password to purchase the goods, while receiving the data according to the use of the bar code by e-mail, and displays it for viewing by the Internet user; An e-commerce site server that receives the data output from the personal communication means and provides the information according to the purchase of the goods of the Internet user and outputs the corresponding goods purchase information; A financial settlement system that receives the goods purchase information output from the barcode reader or the e-commerce site server, processes the credit result according to the use of the barcode, and outputs corresponding authentication information through the Internet network; A web server which receives data output from the personal communication means and authentication information from the financial settlement system and outputs the authentication information to the member database server; Stored in the mobile communication terminal comprising a mail server that receives the control signal output from the member database server and outputs the e-mail information to the personal communication means so that the Internet user can view the information on the purchase of goods according to the use of the barcode Payment device using a barcode. A barcode downloading step in which an internet user downloads barcode information through a mobile communication terminal; An item purchase determining step of determining whether an internet user has purchased an item using a barcode displayed on the mobile communication terminal or a personal communication means; In the step of determining whether to purchase the goods, if the Internet user does not purchase the goods through a mobile communication terminal or a personal communication means, and the end of the purchase, the financial settlement system authenticates the credit result of the Internet user when purchasing the goods; In the member database server, a step of storing personal information and goods purchase information, in which an internet user stores various information according to a purchase of goods through a mobile communication terminal or a personal communication means, and Stored in the mobile communication terminal characterized in that it comprises a step of sending a text or e-mail information to send the text or e-mail information so that the Internet user knows the goods purchase information according to the purchase through the mobile communication terminal or personal communication means Payment method using barcode. 3. The method of claim 2, wherein the downloading of the barcode comprises: determining whether the barcode server is connected to the barcode server to determine whether an internet user accesses a barcode through a mobile communication terminal; In the bar code server connection determination step, if the Internet user does not access the bar code server through the personal communication means, the control returns to the bar code server connection determination step. Steps; In the member determination step, if the Internet user is not a member, request to join a member, and if the member, the barcode server determines whether or not to apply for a bar code payment application. And If the internet user does not apply for the payment of the bar code at the step of determining whether to apply for the bar code payment, the application is terminated. If the application is made, the bar code server stores the bar code information and personal information of the Internet user through the member database server and downloads the bar code. Payment method using a bar code stored in the mobile communication terminal, characterized in that comprising a loading step. The method of claim 2, wherein the determining whether to purchase the goods comprises: determining whether to purchase goods using a barcode to determine whether an internet user has purchased goods using a barcode stored in a mobile communication terminal in a financial settlement system; And When the Internet user purchases an item using a bar code of a personal communication means in the step of determining whether to purchase an item using a barcode, the financial settlement system processes a credit result according to the purchase of an item of the Internet user, and sends authentication information to the web server. The payment method using a barcode stored in the mobile communication terminal, characterized in that it comprises a first article purchase information storage step of storing to the member database server through. According to claim 4, If the Internet user does not purchase the goods using the bar code stored in the mobile communication terminal in the step of determining whether to purchase the goods using the barcode, In the financial settlement system, the Internet user through the personal communication means bar code number and Determining whether to purchase a product using a barcode number and a password to determine whether a product is purchased from an e-commerce site using a password; And In the step of determining whether to purchase the goods using the barcode number and the password, the Internet user does not purchase the goods using the barcode number and the password through personal communication means, and when the goods are purchased, the financial settlement system is used to purchase the goods of the Internet user. And a second product purchase information storing step of processing the credit result, and storing authentication information to the member database server through the web server. The method of claim 2, wherein the sending of the text or e-mail information comprises: determining whether to purchase an article using a mobile communication terminal to determine whether an internet user has purchased an article through a mobile communication terminal in the member database server; A first control signal output step of outputting a control signal corresponding to the member database server when an internet user purchases an item using a mobile communication terminal in the step of determining whether to purchase an item using the mobile communication terminal; And The short text message server includes a text message output step of receiving a control signal output from the member database server and outputting the text message to the mobile communication terminal as a text message so that an Internet user can know the information associated with the purchase of the item. Payment method using a barcode stored in the mobile communication terminal. The method of claim 6, wherein in the step of determining whether to purchase the goods using the mobile communication terminal, if the Internet user does not purchase the goods using the mobile communication terminal, the member database server determines whether the goods are purchased through the personal communication means. Determining whether to purchase goods using a personal communication means; In the step of determining whether to purchase the goods using the personal communication means, if the Internet user does not purchase the goods by using the personal communication means, the second control signal is outputted by the member database server to output the corresponding control signal when the goods are purchased. step; And The mail server comprises an e-mail output step of receiving the control signal output from the member database server and outputting the e-mail to the personal communication means so that an Internet user can know the information according to the purchase of goods. Payment method using a barcode stored in the mobile communication terminal. The method of claim 1 or 2, wherein the payment for the Internet user's purchase of goods through a mobile communication terminal or a personal communication means can be paid in a postpaid manner according to the usage amount of the credit card possessed by the Internet user. The payment method using a barcode stored in the mobile communication terminal. [3] The mobile communication according to claim 1 or 2, wherein the payment according to the purchase of the goods of the Internet user through the mobile communication terminal or the personal communication means can be prepaid by using the bank account of the Internet user. Payment method using a barcode stored in the terminal.