Mobile phone payment method and system

• US 20060014518A1
• Filed: 07/19/2004
• Published: 01/19/2006
• Est. Priority Date: 07/19/2004
• Status: Abandoned Application

• Current Assignee: KBC Corporation Limited, Smartint Company Limited
• Original Assignee: KBC Corporation Limited, Smartint Company Limited
• Inventors: Shin, Eui-seob, Kim, Choong-ki, Huh, Moon-haeng, Kim, Dong-kook
• Application Number:
  US10/893,836
• Publication Number:
  US 20060014518A1
• Time in Patent Office: Days
• US Class Current: 455/406
• CPC Class Codes: H04M 15/06 Recording class or number of calling , i.e. A-party or called party , i.e. B-party
• CPC Class Codes: H04M 15/68 Payment of value-added services
• CPC Class Codes: H04M 2215/0196 Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Abstract

A mobile phone payment method and system in which a mobile phone, a photo receiver, and a control server for storing payment-related information of a user of the mobile phone, download the payment-related information of the user from the control server to the mobile phone. The payment-related information is converted into binary code data. A light signal from a backlight of the mobile phone, based on the binary code data, is transmitted to the photo receiver. The photo receiver authenticates the binary data from the received light signal and authorizes payment accordingly.

Claims

1. A mobile phone payment system using a light signal including payment-related information, comprising:

a mobile phone;

a photo receiver; and

a control server,

wherein the mobile phone comprises;

a memory for storing the payment-related information of a user; and

a first control unit for controlling a backlight of the mobile phone to transmit the light signal to the photo receiver,

wherein the photo receiver comprises;

a photo sensor for receiving the light signal from the mobile phone, and converting the light signal into an electrical signal;

a data error determination unit for receiving the electrical signal of the photo sensor, and determining an error of the electrical signal;

a second control unit for transmitting the electrical signal of the photo sensor to the data error determination unit, outputting a control signal based on a result of the error determination by the data error determination unit, and outputting the electrical signal if the electrical signal has no error;

a display unit for displaying an error status of the light signal in response to the control signal;

an encryption unit for encrypting the electrical signal transmitted from the control unit; and

a first communication unit for transmitting the encrypted signal to the control server, and

wherein the control server comprises;

a data storage unit for storing personal information of a subscribed user;

a decoder for decoding the encrypted signal transmitted from the photo receiver;

a comparator for comparing information decoded by the decoder with the personal information stored in the data storage unit;

a payment authentication unit for authenticating the payment requested by the user if the information decoded by the decoder is identical to the personal information stored in the data storage unit; and

a second communication unit for transmitting a result of the payment authentication to the mobile phone.

2. The mobile phone payment system according to claim 1, wherein the photo receiver transmits a signal to the control server in one of a wired and wireless manner, and the control server transmits a signal to the mobile phone in a wireless manner.

3. The mobile phone payment system according to claim 1, wherein the payment-related information includes at least one of identification (ID) information, a credit card number, and associated passwords of the user.

4. A mobile phone payment method used for a system including a mobile phone, a photo receiver, and a control server for storing payment-related information of a user of the mobile phone, the method comprising steps of:

downloading the payment-related information of the user from the control server to the mobile phone;

storing the payment-related information in the mobile phone;

converting the payment-related information into binary code data;

generating a light signal having a series of pulses from a backlight of the mobile phone based on the binary code data;

transmitting the light signal to the photo receiver;

receiving the light signal in the photo receiver;

converting the received light signal into an electrical signal;

transmitting the electrical signal from the photo receiver to the control server;

receiving the electrical signal;

comparing payment-related information contained in the electrical signal with the payment-related information of the user stored in the control server to determine if the transmitted payment-related information is correct;

if the transmitted payment-related information is correct, authenticating the user'"'"'s payment; and

transmitting the result of the comparing step from the control server to at least one of the mobile phone and the photo receiver.

5. The mobile phone payment method according to claim 4, further comprising the steps of:

encrypting the binary code data; and

decoding the received encrypted electrical signal.

6. The mobile phone payment method according to claim 4, wherein the payment-related information includes at least one of identification (ID) information, a credit card number, and associated passwords of the user.

7. A photo receiver for use in a mobile phone payment system, the photo receiver comprising:

a photo sensor for receiving a light signal from a mobile phone, and converting the light signal into an electrical signal;

a data error determination unit for receiving the electrical signal of the photo sensor and determining an error of the electrical signal;

a control unit for transmitting the electrical signal of the photo sensor to the data error determination unit, outputting a control signal based on a result of the error determination by data error determination unit, and outputting the electrical signal if the electrical signal has no error;

a display unit for displaying an error status of the light signal in response to the control signal; and

a communication unit for transmitting the electrical signal from the control unit to a control server.

8. The photo receiver according to claim 7, further comprising:

an encryption unit for encrypting the electrical signal transmitted from the control unit, and

a communication unit for transmitting the encrypted signal by the encryption unit to the control server.

9. The photo receiver according to claim 7, wherein the display unit comprises at least one of a first lighting device which is turned on, if the light signal has an error, and a second lighting device which is turned on, if the light signal has no error.

10. The photo receiver according to claim 7, wherein the display unit comprises at least one of a third lighting device, which is turned on, if a signal indicating that the payment-related information transmitted from the mobile phone is correct is transmitted from the control server, and a fourth lighting device is turned on, if a signal indicating that the payment-related information transmitted from the mobile phone is incorrect is transmitted from the control server.

11. The photo receiver according to claim 10, wherein the control unit receives a predetermined signal from the control server via the communication unit and controls the operation of the display unit in accordance with the received signal.

12. A control server for use in a mobile phone payment system including a mobile phone for outputting a predetermined light signal, a photo receiver for converting the received light signal to an electrical signal, encrypting the electrical signal, and outputting the encrypted electrical signal as an output signal, and the control server for authenticating payment by using the output signal of the photo receiver, the control server comprising:

a data storage unit for storing personal information of a subscribed user;

a decoder for decoding the signal transmitted from the photo receiver;

a comparator for comparing information decoded by the decoder with the personal information stored in the data storage unit;

a payment authentication unit for authenticating a payment if the information decoded by the decoder is identical to the personal information stored in the data storage unit; and

a communication unit for transmitting a result of the payment authentication to the mobile phone.

13. A mobile phone payment method using a mobile phone, comprising steps of:

accessing a server to download payment-related information of a subscribed user from the server to the mobile phone;

converting the payment-related information into binary code data in the mobile phone;

generating a light signal having a series of pulses from a backlight of the mobile phone based on the binary code data; and

transmitting the light signal from the mobile phone to an control sever.

14. The mobile phone payment method of claim 13, further comprising a step of encrypting the binary code data.

15. The mobile phone payment method of claim 13, wherein the payment-related information includes at least one of identification (ID) information, a credit card number, and associated passwords of the user.

16. A mobile phone payment system using a light signal including payment-related information, comprising:

a mobile phone including a memory for storing the payment-related information of a user, and a first control unit for controlling a backlight of the mobile phone to transmit the light signal;

a photo receiver including a photo sensor for receiving the light signal from the mobile phone, and converting the light signal into an electrical signal, a data error determination unit for receiving the electrical signal of the photo sensor and determining an error of the electrical signal, a second control unit for transmitting the electrical signal of the photo sensor to the data error determination unit, outputting a control signal based on a result of the error determination by the data error determination unit, and outputting the electrical signal if the electrical signal has no error, a display unit for displaying an error status of the light signal in response to the control signal, an encryption unit for encrypting the electrical signal transmitted from the control unit, and a first communication unit for transmitting the encrypted signal; and

a control server including a data storage unit for storing personal information of a subscribed user, a decoder for decoding the encrypted signal transmitted from the photo receiver, a comparator for comparing information decoded by the decoder with the personal information stored in the data storage unit, a payment authentication unit for authenticating the payment requested by the user if the information decoded by the decoder is identical to the personal information stored in the data storage unit, and a second communication unit for transmitting a result of the payment authentication to the mobile phone.