Electronic settlement system, electronic settlement method and cash paying method using LCD barcode displayed on mobile terminal

• US 7,739,190 B2
• Filed: 04/23/2002
• Issued: 06/15/2010
• Est. Priority Date: 04/23/2001
• Status: Active Grant

• Current Assignee: GoldPeak Innovations Inc., Secubay Corporation
• Original Assignee: Pantech & Curitel Communications Incorporated (Pantech Incorporated), Secubay Corporation
• Inventors: Eom, Doo-Seop, Oh, Chang-hwan, Kwon, Hyuck-Jin, Shin, Young-Cheol
• Primary Examiner(s): Trammell, James P
• Assistant Examiner(s): Liu, Marissa
• Application Number:
  US10/475,414
• Publication Number:
  US 20040148253A1
• Time in Patent Office: 2,975 Days
• Field of Search: 705 1- 80, 235/380, 719/209
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a LCD barcode displayed on a mobile terminal, thereby simply performing member identification using the LCD barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wireless banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.

Claims

1. An electronic settlement system using a barcode stored in a mobile terminal, comprising:

a mobile terminal to receive a liquid crystal display (LCD) barcode via wireless Internet, and to store and display the LCD barcode;

a bank server system to create the LCD barcode for a member, to store the LCD barcode into a database, to transmit the LCD barcode to a corresponding mobile terminal upon member registration, and to transmit a result of user'"'"'s identification and a settlement authentication upon receiving a request for user'"'"'s identification and settlement;

a barcode scanner to read the LCD barcode displayed by the mobile terminal; and

a shop client system to transmit the user'"'"'s identification and settlement data including a total amount to be settled and a member'"'"'s password as well as the read LCD barcode to the bank server system, to request the bank server system to identify the user and to settle the amount, to receive the result of the user'"'"'s identification and the settlement authentication from the bank server system, to perform a settlement transaction if the settlement authentication from the bank server system is approved, and to output a settlement slip.

2. The electronic settlement system as set forth in claim 1, wherein the shop client system comprises:

a shop controller;

a monitor to output processing conditions and results; and

a keyboard to enable key-inputting data including the member'"'"'s password;

said shop controller including;

a settlement processing unit to perform the settlement transaction according to the result of the user identification;

a sales slip output unit to output the settlement slip;

a user identification processing unit to identify a user; and

a network connection unit to perform an Internet connection function.

3. The electronic settlement system as set forth in claim 1, further comprising:

a cash payment client system to transmit cash payment data including a total amount to be paid and the member'"'"'s password as well as the read LCD barcode to the bank server system, to request the bank server system to identify the user and to verify possibility of cash payment, to receive the result of the user'"'"'s identification and a result of verification of the cash payment possibility from the bank server system, to perform a cash payment transaction, and to output a detailed statement for payment.

4. The electronic settlement system as set forth in claim 1, wherein the bank server system comprises:

a controller to control member management, barcode creation, account management, database and security management functions;

a monitor to output a screen by control of the controller; and

a keyboard to enable key-inputting of data;

said controller including;

a member management unit to manage registration and cancellation of the member;

a barcode creation unit to create the member'"'"'s LCD barcode;

an account management unit to manage a transaction history of a member'"'"'s account and to determine a result of the member'"'"'s settlement authentication upon receiving a request for the electronic settlement service from the shop client system;

a database to store and manage data including member'"'"'s information data, barcode data, account data, maintenance and management data relating to system operation, and data for Internet banking services;

a wireless banking service unit to perform wireless banking services and to verify a possibility of cash payment upon receiving a request for a cash payment service from a cash payment client system; and

a cable and wireless Internet connection unit to perform cable and wireless Internet connection functions.

5. The electronic settlement system as set forth in claim 4, wherein the account management unit verifies whether the total amount to be settled is more than a predetermined limit of the member upon receiving the request for the electronic settlement service.

6. The electronic settlement system as set forth in claim 4, wherein the barcode creation unit of the bank server system creates a different LCD barcode for each account of the member.

7. The electronic settlement system as set forth in claim 3, wherein the cash payment client system comprises:

a controller;

a monitor to output processing conditions and results;

a keyboard to enable key-inputting the member'"'"'s password and the amount to be paid; and

a cash dispenser to dispense a corresponding amount to the member according to the result of verification of the cash payment possibility;

said controller including;

a cash payment processing unit to process the cash payment according to the result of the user identification;

a statement output unit to output the detailed statement for payment;

a user identification processing unit to request the user identification and to verify the user'"'"'s identification; and

a network connection unit to connect the user'"'"'s identification processing unit to Internet.

8. The electronic settlement system as set forth in claim 5, wherein the barcode creation unit of the bank server system creates a different barcode for each account of the member.