SYSTEM AND METHOD FOR PAYMENT AND SETTLEMENT USING BARCODE
First Claim
1. A system for payment and settlement using a barcode, the system comprising:
- a user smart device adapted to receive settlement amount information input via a settlement request means and to transmit a settlement request signal including the settlement amount information, user identification information, and device identification information, the user smart device receiving a barcode in response to the settlement request signal and storing and displaying the received barcode;
an affiliated store smart device adapted to scan the barcode from the user smart device and to transmit a settlement approval requesting signal including information about the scanned barcode, affiliated store identification information and purchase amount information, the affiliated store smart device receiving information about details of settlement including the settlement amount information of the barcode and the purchase amount information of a purchase product in response to the settlement approval request signal and storing and displaying the received information; and
a payment and settlement management server adapted to generate and register the barcode including the settlement amount information, user identification information, and device identification information included in the settlement request signal when receiving the settlement approval request signal from the user smart device and to transmit the generated barcode to the user smart device, the payment and settlement management server inspecting whether or not a barcode corresponding to the barcode included in the settlement approval request signal is registered when receiving the settlement approval request signal from the user smart device, and transmitting the details of settlement to the affiliated store smart device when a corresponsive barcode is registered.
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Accused Products
Abstract
A system and method for payment and settlement for an electronic transaction in which a user may generate a one-time barcode representing an intention to pay the amount of money that the user may spend on an electronic transaction, and may perform settlement online and offline by using the barcode within the amount of money of the barcode. When a user intends to purchase goods online and offline, the user generates a barcode, representing an intention to pay the amount of money corresponding to the price of the goods, in a smart device prior to purchasing the goods, and then the user can perform settlement using only the barcode, within the amount of money encoded in the barcode at the time of generating the barcode, at online and offline affiliated stores that can read the barcode in the smart device.
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Citations
16 Claims
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1. A system for payment and settlement using a barcode, the system comprising:
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a user smart device adapted to receive settlement amount information input via a settlement request means and to transmit a settlement request signal including the settlement amount information, user identification information, and device identification information, the user smart device receiving a barcode in response to the settlement request signal and storing and displaying the received barcode; an affiliated store smart device adapted to scan the barcode from the user smart device and to transmit a settlement approval requesting signal including information about the scanned barcode, affiliated store identification information and purchase amount information, the affiliated store smart device receiving information about details of settlement including the settlement amount information of the barcode and the purchase amount information of a purchase product in response to the settlement approval request signal and storing and displaying the received information; and a payment and settlement management server adapted to generate and register the barcode including the settlement amount information, user identification information, and device identification information included in the settlement request signal when receiving the settlement approval request signal from the user smart device and to transmit the generated barcode to the user smart device, the payment and settlement management server inspecting whether or not a barcode corresponding to the barcode included in the settlement approval request signal is registered when receiving the settlement approval request signal from the user smart device, and transmitting the details of settlement to the affiliated store smart device when a corresponsive barcode is registered. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for payment and settlement using a barcode, comprising:
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receiving and storing, by a payment and settlement management server, user identification information and payment information of a user, and an affiliated store identification information and settlement information of an affiliated store, thereby registering the user and the affiliated store as members for payment and settlement services using a barcode; transmitting, by a user smart device, a settlement request signal including settlement amount information, user identification information and device identification information to the payment and settlement management server, thereby requesting settlement; generating and registering, by the payment and settlement management server, a barcode including settlement amount information, user identification information and device identification information included in the settlement request signal when receiving the settlement request signal from the user smart device, and transmitting the barcode to the user smart device, thereby providing the barcode; scanning, by an affiliated store smart device, the barcode displayed on the user smart device, and transmitting a settlement approval requesting signal including the scanned barcode, affiliated store identification information, and purchase amount information to the payment and settlement management server, thereby requesting a settlement approval; and inspecting, by the payment and settlement management server, whether or not the same barcode as the barcode included in the settlement approval signal is registered, and transmitting details of settlement to the affiliated store smart device when the barcode is registered. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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Specification