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Charge approval and payment system

  • US 20050182674A1
  • Filed: 04/29/2003
  • Published: 08/18/2005
  • Est. Priority Date: 04/29/2002
  • Status: Abandoned Application
First Claim
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1. A charge settlement system comprising a transaction terminal for calculating the expenses occurring during various transactions and a portable wireless settlement device for processing payments according to payment requests of the transaction terminal, wherein the transaction terminal comprises:

  • a wireless communication means installed on a terminal adapted to process a charge for goods or services or a toll, the wireless communication means performing wireless communication with the portable wireless settlement device; and

    a controller configured to transmit a payment-requesting signal, including transaction particulars, to the wireless communication means and, when payment information is received from the portable wireless settlement device, identify a payment means for performing a determined procedure, and the portable wireless communication means for communication with the wireless communication means of the transaction terminal;

    a button section for payment and receipt;

    a key-entering section;

    a display device for displaying various kinds of information;

    a charger chip for charging an amount of money for settlement beforehand;

    a wire/wireless communication module for accessing a server via a communication network in order for the charger chip to be charged with an amount of money; and

    a controller having various types of data stored therein, the controller controlling the display device to display the payment-requesting signal received from the transaction terminal, transmitting payment information on a payment means chosen by the key-entering section to the transaction terminal, making the display device display a payment-confirmation request from the transaction terminal, and transmitting a payment-confirmation signal, entered by the button section for payment and receipt, to the transaction terminal via the wireless communication means, the controller controlling the charged money to be used for settlement if a payment-requesting signal is received from the transaction terminal and the charged money in the charger chip is sufficient for settlement, controlling the access to the server via wire/wireless communication module so that the charger chip is charged with an amount of money if the charged money in the charger chip is depleted.

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