KR20020060922A - Payment system using mobile communication equipment - Google Patents

Abstract

The present invention relates to a payment means for commerce using personal mobile communication equipment, and more particularly, to download a personal identification code (hereinafter referred to as a recognition code) to a personal mobile communication equipment (hereinafter referred to as communication equipment) of the communication equipment When the password is stored in the memory unit and the user sets a random password and requires payment and identification through commerce, the password is entered through the input means on the keypad of the communication equipment. Display and display the identification code on the screen display window of the transaction, the customer of the transaction is provided with a scanner and a terminal, the terminal is connected online with a financial settlement institution for approving and managing the payment of the present invention, the management of the present invention The main server manages each individual's identification code and forms an organic information network with the settlement financial institution. It gives the same person by checking whether the user code and the type of payment and financial institutions Member

In such a structure, the user inputs a certain password to display the identification code on the display window of the communication device to perform a regular transaction at the customer and scan the identification code displayed on the communication device to the scanner of the customer as a payment method. The information is transmitted to the financial settlement institution through the terminal, and the financial institution determines whether the owner of the recognition code is approved for approval and transmits the approval result of the authorization to the terminal of the customer to conduct commerce.

Description

Payment system using mobile communication equipment {omitted}

Conventional payment means has a method of payment by means of cash, bank transfer, credit card, etc. in the commerce, but the present invention integrates the payment means and identification function to facilitate commerce with the communication equipment owned by the individual.

Due to the popularization of personal communication equipment, various roles such as general communication and internet have been increased, and the means of payment of on-line commerce are required. Therefore, the communication equipment should be provided to support the means for integrating payment and identification through communication equipment. After receiving the identification code for each individual from the system server of the present invention, the identification code is downloaded to the communication equipment and stored in the memory of the communication equipment, and the owner of the communication equipment sets a random password. If you enter a password on the keypad of the communication equipment to display the identification code stored in the memory display on the screen display window of the communication equipment, and the scanner and connected to the system server and the financial settlement agency server of the present invention in the customer online Communication device screen display window Invention by scanning the identification code appears to support commerce and whether cash payment approval

Step to register as a member by providing necessary information such as credit card, bank account, personal information, telephone number of communication equipment

Granting different recognition codes for each member and making DB of member's personal information and recognition code

Downloading the recognized identification code to the communication equipment of the member communication equipment telephone number provided by the member and storing it in the memory unit of the communication equipment.

When a certain recognition code is stored in the member's communication equipment, entering and setting a password using a key on the communication equipment's keypad to display the identification code on the screen screen of the communication equipment.

In general, the identification code does not appear on the screen display window of the communication equipment, and when the need for payment is entered, the password is set to implement the identification code on the screen display window of the communication equipment.

When the user of the present invention requires a transaction or identification, which requires payment, the user inputs a password into the communication device and displays the identification code on the screen display window of the communication device to read the identification code information with a scanner connected to the terminal of the customer. The terminal of the customer is configured to be connected to the system server of the present invention and the server of the financial settlement institution online.

The information of the identification code transmitted through the terminal of the client is transmitted to the server of the financial settlement institution to determine the information of the member who requested the settlement and whether or not to accept the settlement, and transmits the result value corresponding to the terminal of the client to enable the transaction.

At this time, the financial settlement management server is organically connected to the system server of the present invention and exchanges necessary information such as identity management information and identity management of the owner of the identification code and the financial settlement institution.

As described above, by providing financial settlement means and identification function to communication equipment, convenience of commerce is provided, and a recognition code is displayed only when a password is input to the communication equipment, thereby maintaining personal information confidentiality and loss of existing credit card. Eliminate damage and contribute to the development of commerce

Claims (3)

When an individual possessing a communication device joins as a member of the present invention and provides certain information such as financial information and phone number of the communication device, the DB is provided, each member is given a different identification code, and the given recognition code is given. Download and store the phone number of the communication device owned by the member in the memory of the communication device of the member, and the member inputs and sets an arbitrary password using the input unit of the communication device. The identification code stored in the memory part of the communication device does not appear unless a password is entered, and the password is entered by the input part on the keypad of the communication device so that it appears on the screen display window. After the member conducts a certain transaction, if the payment and identification are necessary, the password is inputted to the communication equipment to display the recognition code, and the identification code is scanned on the scanner combined with the terminal of the customer. The client's terminal and scanner are connected online with the main server and financial settlement institution of the present invention. The information of the identification code read from the customer is transmitted to the server of the financial settlement institution, and after acquiring the process of checking the user with the main server of the present invention, whether the payment is approved or not is transmitted to the terminal of the customer to indicate the result on the screen of the terminal. With the structure as described above, the invention downloads and stores the identification code on the communication equipment and displays the identification code on the screen display window of the communication equipment when the password is entered to perform financial settlement, identity verification, etc. It has the structure of claim 1, and sends the information such as approval and settlement amount of the financial settlement institution to the communication device of the member as well as the terminal of the customer to check the settlement amount and other transaction information and the user Invention that payment is completed only after Has the structure of claim 1.2 When the approval of the financial institution is transmitted to the terminal of the client, the photo of the member is made in advance in the DB, and when the approval is approved, the member's photo is also transmitted by comparing the faces of the members on the terminal to prevent and confirm fraudulent use.