Method for paying a charge using a mobile phone
First Claim
1. A method of paying for a goods or service by using a mobile phone, comprising the steps of:
- (a) connecting to a payment transaction server through the mobile phone;
(b) transmitting a payment request data containing information identifying a store and a buyer and an amount of money to be paid through a mobile phone network;
(c) checking the payment request data received and a balance associated with the identified buyer for approval of the payment; and
(d) transmitting a payment approval data containing information on the amount of money approved to a terminal other than the mobile phone based on the checked result, the terminal being designated from pre-registered information on the identified store.
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Accused Products
Abstract
The present invention relates to method utilizing a mobile phone as a tool to pay a charge of goods or service rendered through approval of a mobile phone network. According to the method of using the mobile phone to pay a charge on purchasing goods or service, first a buyer uses his or her mobile phone to connect to a payment transaction server, the buyer and merchant store identification code and the bill for the goods is transmitted to the payment transaction server. At this point, the payment transaction server examines the information data received from the mobile phone and determines the approval of the transaction based on the balance corresponding to the buyer identification code, if it is approved the payment transaction server sends the approval notification to a terminal at the merchant store. The information for accessing the terminal is determined depending upon the merchant store identification code. After the confirmation from the approval notification at the merchant store, a seller transfers a goods to a buyer or provides a buyer with a necessary service.
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Citations
17 Claims
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1. A method of paying for a goods or service by using a mobile phone, comprising the steps of:
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(a) connecting to a payment transaction server through the mobile phone;
(b) transmitting a payment request data containing information identifying a store and a buyer and an amount of money to be paid through a mobile phone network;
(c) checking the payment request data received and a balance associated with the identified buyer for approval of the payment; and
(d) transmitting a payment approval data containing information on the amount of money approved to a terminal other than the mobile phone based on the checked result, the terminal being designated from pre-registered information on the identified store. - View Dependent Claims (2, 3, 4)
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5. A method of paying for a goods or service by using a mobile phone, comprising the steps of:
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(a) receiving a payment request data containing information identifying a store and a buyer and an amount of money to be paid from the mobile phone connected;
(b) identifying a buyer'"'"'s account depending upon the information identifying a buyer;
(c) determining whether to approve the payment based on the received amount of money to be paid and the balance in the identified buyer'"'"'s account;
(d) identifying a terminal of the store depending upon the information identifying a store; and
(e) transmitting a payment approval data containing information on the amount of money approved to the identified terminal. - View Dependent Claims (6, 7, 8, 9, 10, 11, 12)
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13. A method of paying for a goods or service by using a mobile phone, comprising the steps of:
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(a) receiving a payment request data containing information identifying a store and a buyer and an amount of money to be paid from the mobile phone connected;
(b) identifying a buyer'"'"'s account depending upon the information identifying a buyer;
(c) determining whether to approve the payment based on the received amount of money to be paid and the balance in the identified buyer'"'"'s account;
(d) identifying a terminal of the store depending upon the information identifying a store;
(e) connecting to the identified terminal;
(f) sending pre-recorded voice associated with the store to the connected terminal; and
(g) transmitting a payment approval data containing information on the amount of money approved to the connected terminal. - View Dependent Claims (14)
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15. A method of paying for a goods or service by using a mobile phone, comprising the steps of:
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(a) receiving a payment request data containing information identifying a store and a buyer and an amount of money to be paid from the mobile phone;
(b) determining whether to approve the payment request based on the received amount of money to be paid and the balance in the account identified by the information identifying a buyer; and
(c) transmitting a payment approval data containing the received information identifying a buyer to a terminal determined based on the information identifying a store. - View Dependent Claims (16, 17)
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Specification