Electronic settlement system, electronic settlement method and cash paying method using lcd barcode display on mobile terminal

• US 20040148253A1
• Filed: 10/22/2003
• Published: 07/29/2004
• Est. Priority Date: 04/23/2001
• Status: Active Grant

• Current Assignee: GoldPeak Innovations Inc., Secubay Corporation
• Original Assignee: Pantech Corporation (Ideahub, Inc.)
• Inventors: Oh, Chang-Hwan, Eom, Doo-Seop, Kwon, Hyuck-Jin, Shin, Young-Cheol
• Granted Patent: US 7,739,190 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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.

Claims

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.

4. The electronic settlement system as set forth in claim 1, wherein the shop client system comprises:

a shop controller;

a monitor for outputting processing conditions and results; and

a keyboard for key-inputting data including the password;

said shop controller including;

a settlement processing unit for performing the settlement transaction according to the notification of the user identification;

a sales slip output unit for outputting a sales slip;

an user identification processing unit for identifying a user; and

a network connection unit for performing an Internet connection function.

12. The electronic settlement system as set forth in claim 1, said electronic settlement system further comprising:

a cash payment client system for transmitting cash payment data including a total amount to be paid 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 verify the possibility of cash payment, being notified of the result of the user'"'"'s identification and the result of the verification of the cash payment possibility by the bank server system, performing the cash payment transaction, and outputting a detailed statement for payment.

13. The electronic settlement system as set forth in claim 1, wherein the bank server system comprises:

a controller for controlling member management, barcode creation, account management, database and security management functions;

a monitor for outputting a screen by the control of the controller; and

a keyboard for key-inputting data;

said controller including;

a member management unit for managing registration and cancellation of members;

a barcode creation unit for creating a member'"'"'s specific barcode;

an account management unit for managing the whole transaction history of a member'"'"'s account and verifying the member'"'"'s settlement possibility upon receiving a request for the electronic settlement service from the shop client system;

a database for storing and managing various data including member'"'"'s information data, barcode data, account data, maintenance and management data relating to the system operation, and data for Internet banking services;

a wireless banking service unit for performing wireless banking services and verifying the possibility of cash payment upon receiving a request for the cash payment service from the cash payment client system; and

a cable and wireless Internet connection unit for performing cable and wireless Internet connection functions.

14. The electronic settlement system as set forth in claim 13, wherein the account management unit of the bank server system verifies whether the payment amount of the member is more than a predetermined limit of member upon receiving a request for the electronic settlement service.

15. The electronic settlement system as set forth in claims 13 or 14, wherein the barcode creation unit of the bank server system creates a plurality of different barcodes as many as the accounts of the member.

16. The electronic settlement system as set forth in claim 12, wherein the cash payment client system comprises:

a controller;

a monitor for outputting processing conditions and results;

a keyboard for key-inputting the password and the amount to be paid; and

a cash dispenser for dispensing the corresponding amount to the member according to the notification of cash payment possibility;

said controller including;

a cash payment processing unit for processing the cash payment according to the notification of the user identification;

a statement output unit for outputting the detailed statement for payment;

a user identification processing unit for requesting the user identification and verifying the user identification; and

a network connection unit for connecting the user identification processing unit to Internet.

6. An electronic settlement method using a barcode stored in a mobile terminal, said electronic settlement method comprising the steps of:

(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.

9. The electronic settlement method as set forth in claim 6, wherein during the step (a), each barcode includes a bank identification number, a member identification number, and check code data.

10. The electronic settlement method as set forth in claim 9, wherein during the step (c), the settlement is differently performed according to settlement methods such as credit card settlement, small amount settlement, and advance payment card settlement.

11. A cash payment method using a LCD barcode stored in a mobile terminal, said cash payment method comprising the steps of:

(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.