Electronic settlement system, electronic settlement method and cash paying method using lcd barcode display on mobile terminal
First Claim
1. An electronic settlement system using a barcode stored in a mobile terminal, said electronic settlement system comprising:
- a mobile terminal for receiving LCD barcode via wireless Internet, storing and displaying the LCD barcode;
a bank server system for creating individual barcodes for each member, storing the created barcode into database, transmitting the created barcode to the corresponding mobile terminal upon member registration, and transmitting a result of the user'"'"'s identification and a settlement authentication upon requests for user'"'"'s identification and settlement; and
a barcode scanner for reading the LCD barcode of the mobile terminal;
a shop client system for transmitting user'"'"'s identification and settlement data including a total amount to be settled and a member'"'"'s password as well as the read LCD barcode to the bank server system, requesting the bank server system to identify the user and to settle the amount, being notified of the result of the user'"'"'s identification and the settlement authentication by the bank server system, performing the settlement transaction, and outputting a settlement slip.
7 Assignments
0 Petitions
Accused Products
Abstract
Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a LCD barcode displayed on a mobile terminal, thereby simply performing member identification using the LCD barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wirelss banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.
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Citations
16 Claims
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1. An electronic settlement system using a barcode stored in a mobile terminal, said electronic settlement system comprising:
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a mobile terminal for receiving LCD barcode via wireless Internet, storing and displaying the LCD barcode;
a bank server system for creating individual barcodes for each member, storing the created barcode into database, transmitting the created barcode to the corresponding mobile terminal upon member registration, and transmitting a result of the user'"'"'s identification and a settlement authentication upon requests for user'"'"'s identification and settlement; and
a barcode scanner for reading the LCD barcode of the mobile terminal;
a shop client system for transmitting user'"'"'s identification and settlement data including a total amount to be settled and a member'"'"'s password as well as the read LCD barcode to the bank server system, requesting the bank server system to identify the user and to settle the amount, being notified of the result of the user'"'"'s identification and the settlement authentication by the bank server system, performing the settlement transaction, and outputting a settlement slip. - View Dependent Claims (4, 12, 13, 14, 15, 16)
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6. An electronic settlement method using a barcode stored in a mobile terminal, said electronic settlement method comprising the steps of:
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(a) inputting the barcode stored by the member'"'"'s mobile terminal, a member'"'"'s password, and total amount to be settled, wherein the barcode is conferred the registered member and transmitted to the mobile terminal of the registered member;
(b) transmitting the inputted barcode data, the member'"'"'s password, and the total amount to be settled to the bank server system, and requesting the bank server system to settle the total mount;
(c) verifying the member'"'"'s settlement possibility upon receiving a request for the electronic settlement from a shop client system, and then in case the settlement is possible, performing the settlement and transmitting settlement completion data to the requested shop client system or in case the settlement is impossible, transmitting settlement impossibility data to the requested shop client system; and
processing the settlement transaction in case the settlement completion data are transmitted to the requested shop client system, or displaying the reason of the settlement impossibility via a screen in case the settlement impossibility data are transmitted to the requested shop client system. - View Dependent Claims (9, 10)
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11. A cash payment method using a LCD barcode stored in a mobile terminal, said cash payment method comprising the steps of:
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(a) inputting the barcode stored by the member'"'"'s mobile terminal, a member'"'"'s password, and total amount to be paid, wherein the barcode is conferred the registered member and transmitted to the mobile terminal of the registered member;
(b) transmitting the inputted barcode data the member'"'"'s password, and the total amount to be paid to the bank server system, and requesting the bank server system to pay the total mount of cash;
(c) verifying the member'"'"'s cash payment possibility upon receiving a request for the cash payment from a cash payment client system, and then in case the cash payment is possible, transmitting cash payment possibility data to the requested cash payment client system or in case the cash payment is impossible, transmitting cash payment impossibility data to the requested cash payment client system; and
processing the cash payment in case the cash payment possibility data are transmitted to the requested cash payment client system, or displaying the reason of the settlement impossibility via a screen in case the settlement impossibility data are transmitted to the requested cash payment client system.
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Specification