Optical payment transceiver and system using the same
First Claim
1. An optical payment transmitter for use in an optical transceiver apparatus for payment of expenses, the optical payment transmitter comprising:
- a memory storing user card information therein;
an optical transceiver for optically transmitting and receiving card information;
a button for commanding an optical payment operation, having a petty cash settlement button for transmitting card information without inputting a password and a big money settlement button for transmitting a password and card information together;
a controller for optically transmitting card information according to user button manipulation so that a settlement is completed; and
a display displaying an optical payment operation state, in which the optical payment transmitter is fabricated as a compact portable device.
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Accused Products
Abstract
An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone or a PDA and the optical transceiver is connected to a card inquiry machine to thereby optically transmit and receive card information. The card inquiry machine recognizes the received card information in the same manner as that of the card reader reading a magnetic card, and transmits the card information to a VAN company server or a card company server, to then request for an approval and settle transactions. The present invention is applied to most fields where financial transactions are performed as in a general commerce, a toll gate fee or tunnel passage fee collection system, a subway or bus fare levying system, a gas station, a department store, a drive-thru ordering system, a vending machine, and a fee payment system of kiosks. Also, the present invention can be applied to an entrance/exit security system requiring personal identification. Thus, the present invention can use a portable terminal as a payment unit without carrying a cash or cards, to thereby provide an effect of performing a safer and more reliable credit transaction.
49 Citations
51 Claims
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1. An optical payment transmitter for use in an optical transceiver apparatus for payment of expenses, the optical payment transmitter comprising:
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a memory storing user card information therein;
an optical transceiver for optically transmitting and receiving card information;
a button for commanding an optical payment operation, having a petty cash settlement button for transmitting card information without inputting a password and a big money settlement button for transmitting a password and card information together;
a controller for optically transmitting card information according to user button manipulation so that a settlement is completed; and
a display displaying an optical payment operation state, in which the optical payment transmitter is fabricated as a compact portable device. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An optical payment transmitter for use in a portable terminal including a data transmission and reception function, the optical payment transmitter comprising:
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an optical transmission and reception plug device removably connected to the portable terminal, for optically transmitting and receiving card information; and
said portable terminal storing the user card information, for transmitting stored payment information to the optical transmission and reception plug device if the optical transmission and reception plug device is connected to an external communications port. - View Dependent Claims (8, 9)
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10. An optical payment system for paying for fees using an optical signal, the optical payment system comprising:
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a mobile optical relayer for receiving a card information contained optical signal from a user terminal, temporarily storing corresponding card information, and outputting the stored card information one time; and
an optical relay base unit for receiving the card information from the mobile optical relayer and transmitting the received card information to a credit card inquiry machine, wherein said mobile optical relayer comprises;
an infrared reception portion and an infrared emission portion for receiving and transmitting card information in the form of an infrared ray, respectively;
a memory storing the received card information;
a button for commanding data transmission;
a transmission port connected to said optical relayer base unit by a connector, for transmitting the card information stored in the memory to the optical relayer base unit; and
a controller for controlling the card information to be transmitted to the optical relayer base unit via one of the infrared emission portion and the transmission port according to the connection state with the optical relayer base unit if the button is manipulated. - View Dependent Claims (11, 12, 13, 14, 15)
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16. An optical settlement system for use in a commerce system, the optical settlement system comprising:
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an optical payment transmitter for optically transmitting card information, receiving a response signal, ascertaining whether the card information is normally received, and displaying a message indicating whether the card information is normally received on a screen;
an optical payment receiver for optically receiving the transmitted card information, and outputting a response signal with respect to the received card information, wherein said optical payment receiver is detachable;
a credit card inquiry machine for transferring the received card information and requesting a transaction approval; and
a settlement authority server for notifying an approval result with respect to the received approval request to the credit card inquiry machine. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A settlement system at a place where a distance between a customer and a credit card inquiry machine is considerably far, the settlement system comprising:
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an optical payment unit for transmitting card information in the form of an optical signal;
a mobile optical relayer for displaying a settlement amount of money, receiving and temporarily storing the transmitted card information, and transmitting the stored card information to an optical relayer base unit only once; and
said optical relayer base unit for receiving the card information from the mobile optical relayer and transmitting the received card information to the credit card inquiry machine or POS, wherein said mobile optical relayer is fabricated so that a user is capable of carrying the mobile optical relayer, in which the mobile optical relayer is connected to the optical relayer base unit by a connector or by optical communications. - View Dependent Claims (32)
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33. An optical settlement system for paying for expenses in an electronic commerce, the optical settlement system comprising:
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a portable terminal for transmitting card information in the form of an optical signal;
an optical receiver for receiving the optically transmitted card information;
a computer connected to the optical receiver, for receiving the card information and performing an electronic commerce after being connected to Internet; and
a payment gateway connected to a shopping mall system, for receiving the card information and performing a settlement processing, wherein said portable terminal suspends the card information automatically if user'"'"'s bio- identification does not coincide with pre-registered user'"'"'s bio data more than a predetermined number of times so that declaration of a loss is accomplished. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
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44. An optical payment settlement system comprising:
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an optical transmitter for optically transmitting a corresponding inherent number;
a counter terminal where an optical receiver for receiving an inherent number of the optical transmitter is attached, for registering a lease and return state with respect to the received inherent number;
a calculation terminal where an optical receiver for receiving an inherent number of the optical transmitter is attached, for inputting a use amount of money into the received inherent number; and
a main computer for receiving and registering the lease and return station information of the optical transmitter from the counter terminal, ascertaining the inherent number and the use amount of money input from the calculation terminal, and settling the amount of money. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51)
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Specification