KR20010068073A - System and method for transaction by using communication terminals - Google Patents

Abstract

PURPOSE: The system and method is provided to return the benefit to all the mobile providers, users, and goods/service providers by paying for the purchase, reservation, and service via the mobile terminal, and to improve the stability and security of the business by using unrecognized code like a bar-code. CONSTITUTION: Each organ and provider contracts the agreement, which offers the specified discount to a communication terminal user who purchases goods by using only a code for allowing the payment, between each other(S10). The communication terminal user connects to the server of a provider for purchasing goods(S20) and requests the code for allowing the payment(S30). The server checks the identification information of the user and sends the code for allowing the payment(S40). A seller reads the code from the communication terminal of the user, and checks if the credit sale of the user is believable or not(S70). A financial organ or a communication company notice and ask the specification of the purchase cost(S80). Each provider and organ pay the bill according to the agreement content(S90).

Description

Commerce system using communication terminal and method thereof {System and method for transaction by using communication terminals}

The present invention relates to a commerce system and a method using a communication terminal, and more particularly, the payment for the purchase and reservation of the goods, reservation and service use based on the mobile portability, general purpose and ease of operation of the mobile communication terminal The present invention relates to a commerce system and a method using a communication terminal that achieves a variety of payments by being achieved through a terminal.

On the other hand, the present invention provides a benefit to both the user and the provider by providing a discount benefit to the purchase and service users using the communication terminal, the number of users to the providers providing goods and / or services at a discount price The present invention relates to a commerce system using a communication terminal and a method thereof.

On the other hand, the present invention relates to a commerce system and a method using a communication terminal that improves the safety and security of transactions by using a non-recognition code such as a bar code at the time of payment using the communication terminal.

On the other hand, the present invention relates to a commerce system and method using a communication terminal to transmit a coupon approved by the manufacturer or service provider to the communication terminal of the desired user to receive a discount on the goods and services It is about.

Until now, cash or credit cards are usually used as a payment method for purchasing goods and using services in daily life. In other words, cash or credit cards are generally used as a general and common commerce payment method. Cash payments are widely used in offline commerce, and credit card payments are widely used in both offline and online commerce.

Credit card payment, which is widely used as a payment method in offline and online commerce, is being used more and more due to the activation of electronic commerce according to the daily life of the Internet.

Meanwhile, with the advent of the information and telecommunications era, the number of mobile communication subscribers is exploding, and the increase is expected to continue. Accordingly, mobile service providers have developed and provided various additional services in addition to communication services to secure new subscribers and service existing subscribers.

On the other hand, the entities supplying goods and services in general commerce, such as manufacturers, service providers and retailers, want to generate and profit a lot by selling and manufacturing many goods and services. For example, these suppliers want to sell more goods and services through discount policies that lower individual or individual prices, ultimately gaining more profits and profits than before the discount policy.

By the way, although the above-mentioned mobile service providers develop and provide various additional services other than communication services in order to secure new subscribers and provide services to existing subscribers, they provide sufficient and satisfactory additional services for users of mobile communication services. It does not provide, and in particular, does not provide an additional service related to commerce settlement.

In addition, the suppliers of goods and services in general commerce also try to expand their manufacturing, sales, and provision through various techniques and policies to create more profits, profits and customer creation, but rarely achieve satisfactory success. In particular, there is a lack of focus on expanding production, sales, and provision based on mobile telecommunication service users.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and pays attention to the purchase of goods, reservation, reservation and service use based on the mobile portability, general purpose and convenience of operation, and large scale user base of the mobile communication terminal. The purpose of the present invention is to provide a commerce system and a method using a communication terminal that can be achieved through the terminal to promote a variety of payments and to benefit both mobile operators, mobile users and goods / service providers.

Another object of the present invention is to provide both users and providers with a discount to purchase and service users using a communication terminal, and to increase the number of users to providers who provide goods and / or services at a discount price. The present invention provides a commerce system using a communication terminal and a method thereof so that the benefits can be given.

It is still another object of the present invention to provide a commerce system and method using a communication terminal that improves the safety and security of a transaction by using an unrecognized code such as a barcode at the time of payment using the communication terminal.

Still another object of the present invention is to send a coupon approved by a manufacturer or a service provider to a communication terminal of a desired user, and through this, a commerce system and method using a communication terminal to receive a discount on the goods and services. It is about.

1 is a block diagram of a commerce system using a communication terminal according to the present invention.

2 is a flowchart of a commerce method using a communication terminal according to the present invention.

Figure 3 is an embodiment of a payment approval code used in the present invention.

4 is a flow diagram of a commerce step in accordance with one embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

1: Payment approval code 10: Wired / wireless internet network

12: communication terminal 14: personal computer

20: server 30: manufacturer

40: telecommunications company 50: payment financial institutions

60: merchant / dealer 100: payment approval code reader

In order to achieve the above object, a commerce system using a communication terminal according to the present invention includes a communication terminal for transmitting and receiving data through a wired or wireless data communication network; A server for generating and transmitting an unrecognized payment approval code such as a barcode so that payment can be made using the communication terminal; And an approval code reader for reading the displayed approval code transmitted from the server to the communication terminal, wherein the server is a predetermined payment that confirms and authenticates the communication terminal payment with a communication company associated with the communication terminal. In connection with a financial institution, the approval code reader is characterized in that it is installed in the affiliated companies and goods / services sellers that can be paid through the communication terminal in conjunction with the server.

In a preferred embodiment of the system of the present invention, the authorization code transmitted from the server to the communication terminal is a bar code read by a reader installed in the affiliates and vendors, the communication terminal receiving the bar code receives the received bar code It can be displayed or saved on the display.

In a preferred embodiment of the system of the present invention, the communication terminal is any terminal capable of connecting to the server through a wired or wireless data communication network such as a mobile communication terminal, a computer, and a PDA.

In a preferred embodiment of the system of the present invention, the server may transmit a coupon approved by a predetermined manufacturer to a communication terminal of a desired user, and the communication terminal receiving the coupon may display or store the received coupon on a display window. have.

In addition, a commerce method using a communication terminal according to the present invention for achieving the above object,

In a method of commerce using a communication terminal, including financial settlement institutions such as credit card companies, wire / wireless telecommunications companies, goods manufacturers, sellers of goods or services, predetermined merchants and commerce service operators using communication terminals. In

When the service operator purchases goods and services using a predetermined non-perceived payment approval code, such as a bar code sent to the communication terminal, the institution and each of the agencies to give a predetermined discount to the user of the communication terminal using the code. Negotiating with companies; Requesting, by the user of the communication terminal, a wired / wireless connection to the server of the operator for the purchase of goods or services and requesting a payment approval code for payment of goods purchase; Transmitting, by the server of the operator, the credit information of the user of the communication terminal to search for and transmit the payment approval code necessary for purchasing the corresponding item; A company selling the goods or services, reading a payment approval code received at the communication terminal through a predetermined reader to confirm whether or not the warranty is in accordance with credit sales; The financial settlement agency or wire / wireless communication company notifying and charging the details of the purchase cost using the communication terminal to the user of the communication terminal; And a process for the service operator, the agency, and each company to settle the payment for the transaction using a communication terminal according to a predetermined agreement at a predetermined period.

In a preferred embodiment of the method of the present invention, the server transmits the coupon approved by the manufacturer to the communication terminal of the desired user through which the user can receive a discount on the price of the article.

In a preferred embodiment of the method of the present invention, the server of the operator may establish a cooperative relationship with a predetermined value-added network (VAN) company to retrieve and retrieve the credit information of the user of the communication terminal. .

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of a commerce system and method using a communication terminal according to the present invention. In the following description of the present invention, when it is determined that detailed descriptions of related well-known technologies or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of a user or an operator. Therefore, the definition should be made based on the contents throughout the specification.

1 is a block diagram of a commerce system using a communication terminal according to the present invention, Figure 2 is a flow chart of a commerce method using a communication terminal according to the present invention. Figure 3 is an embodiment of a payment approval code used in the present invention, Figure 4 is a flow chart of a commerce step according to an embodiment of the present invention.

Referring to FIG. 1, a commerce system using a communication terminal according to the present invention includes a communication terminal for transmitting and receiving data through a wired / wireless data communication network 10. The communication terminal includes all terminals capable of connecting to the commerce operation server 20 described below through a wired / wireless data communication network 10 such as a mobile communication terminal 12, a personal computer 14, and a PDA provided with a display window. .

The server 20, which plays a pivotal role in the commerce using the communication terminal, generates an unrecognized payment approval code such as a barcode to enable the commerce settlement using the communication terminals 12 and 14 to the server 20. It transmits to the connected communication terminal 12 (14). An example of the payment authorization code generated by the server 20 is shown in FIG. 3, which is a kind of barcode 1 and requires a dedicated reader to read it. Thus, the present system includes an authorization code reader 100 that is sent from server 20 to communication terminals 12 and 14 to read the indicated authorization code 1.

On the other hand, the server 20 of the system of the present invention, as shown in Fig. 1, the predetermined payment financing for confirming and authenticating the communication terminal 40 associated with the communication terminal 12, 14, and payment of the communication terminal It is associated with the engine (50). In addition, the payment approval code reader 100 is installed in the affiliated company 60 and the goods / service seller 60 capable of payment through a communication terminal in association with the server 20.

The authorization code 1 transmitted from the server 20 to the communication terminals 12 and 14 is preferably in the form of a barcode read by the reader 100 installed in the affiliate 60 and the seller 60, The communication terminal 12, 14 receiving the barcode displays the received barcode 1 on the display window or stores it in the memory means. In some cases, the manufacturer 30 may issue a discount coupon, thereby discounting the price of the corresponding article, in which the coupon is also read by the reader 100.

The commerce method of the present invention implemented by the commerce system using the communication terminal shown in FIG. 1 is composed of the following steps.

First, in order to implement a commerce method according to the present invention, a financial settlement institution 50 such as a card company, a wired / wireless communication company 40, a goods manufacturer 30, a seller of goods or services 60, The signing agreement between the affiliated company 60 and the commerce service operator (server 20 operator) using the communication terminal goes through a step. For example, use this code when a server 20 operator purchases goods and services using a predetermined unrecognized payment approval code (1), such as a bar code sent to a communication terminal (12) (14). In order to give a predetermined discount to the user of the communication terminal to enter into an agreement with each institution and each company constituting the system of the present invention (S10).

In addition, the method of the present invention step (S20) the user of the communication terminal 12 (14) requesting a payment approval code for payment of goods purchase by connecting the wired or wireless connection to the server 20 of the operator for the purchase of goods or services (S30); Step (S40) (S50) (S60) of the server 20 of the operator to search and query the credit information of the user of the communication terminal (12) (14) and the payment approval code (1) necessary to purchase the goods; ; The company 60 that sells the goods or services reads the payment approval code received by the communication terminal 12 or 14 through the payment approval code reader 100 to confirm whether or not the warranty according to the credit sales. (S70); The financial settlement agency 50 or the wired / wireless communication company 40 notifying and claiming the details of the purchase cost using the communication terminal to the user of the communication terminal 12 and 14 (S80); And a settlement process (S90) according to the contents of the agreement between the operator of the method of the present invention and each of the institutions and respective companies using a communication terminal at predetermined intervals (for example, one month). It is done by

The operation of the commerce system and the method using the present invention communication terminal configured as described above will be described with reference to FIGS.

For example, operators of the systems and methods of the present invention (hereinafter referred to as "server 20 operators") enter into certain agreements with companies that will establish commerce using a communication terminal. Companies that can enter into an agreement with the server 20 operator for the present invention are the telecommunications company 40 and the payment financial institution 50, the manufacturer and the merchant and the goods / services seller 60 and so on. Here, the telecommunications company 40 may be, for example, Korea Telecom, SK Telecom, LG Telecom, and the settlement financial institution 50 may be BC card company, LG card company, Samsung card company, etc., merchants and goods / services The retailer 60 may be a discount store such as E-mart, Kim's Club, McDonald's, Pizza Hut, Nong Hanaro Mart, Seven Eleven, beauty salon, game room, billiard room, fast food store, convenience store, and general service store. In some cases, as shown in FIG. 4, the server 20 operator may have a dot com company that operates portal sites such as Yahoo, Daum, and Lycos, Mondex cards, All-net, and I-Cache (I-). It may be associated with a van operator such as cash.

Companies that enter into an agreement with the server 20 operator as described above are united by the need for cooperation with each other. In order to purchase goods or services using the communication terminal 12 in a state in which a system as shown in FIG. 1 is established through a predetermined agreement, a server using the communication terminal 12 as shown in FIG. 4 is used. It should be connected to (20), which is explained as follows.

First, the communication terminal user goes through a login process for accessing the server 20 (S110). As shown in the login screen, a corresponding carrier may be selected. After logging in, a member-specific password related to each company is input (S120). When the member's own password is input, the member confirmation screen is displayed (S130). When the member verification process is completed, available stores, convenience stores, chain stores, discount stores, shopping malls, etc. provided by the server 20 are displayed according to the user's selection of the communication terminal (S140) (S150) (S160).

If the purchase or advance purchase of goods / services through the above process, a screen for selecting a payment method is displayed (S170). The payment method in step S170 may be, for example, 1) credit card, 2) prepaid card, 3) small payment. When the user selects a payment method on the screen of step S170, the server 20 transmits a bar code containing the purchase information corresponding to the communication terminal 12.

When the barcode containing the purchase information is received in the communication terminal 12, it is displayed as the screen of step S180, the user of the communication terminal performs the payment through this. In other words, the bar code displayed on the communication terminal 12 is read by the reader 100 provided in the business. When the received bar code is approved by the reader 100, a set of payment processes are terminated. This process can be seen as the same process as using a credit card checker when using a credit card.

On the other hand, the user of the communication terminal 12 may store and use the received bar code as needed, or in the case of using the personal computer 14 may print and use the received bar code.

After the purchase and / or purchase of goods / services using the barcodes received by the communication terminals 12 and 14 as described above, the price is paid after using an existing credit card or using the communication terminals 12 and 14. It will be apparent to those skilled in the art that similarly to the notification and billing process, the billing and billing process will follow for the commerce using the communication terminal. It will be apparent to those skilled in the art that the cost settlement between the relevant companies after the payment notice and the billing will be performed as in the case of general commerce according to the contents of the agreement.

As described above, the commerce system and the method using the communication terminal according to the present invention pay attention to the purchase and reservation, reservation and service use of the mobile communication terminal, paying attention to the portability, versatility, and ease of use of the mobile communication terminal. To achieve a variety of payments.

In addition, the present invention provides a benefit to both the users and providers by providing a discount benefit to the purchase and service users using the communication terminal, the number of users to the providers providing goods and / or services at a discount price It provides an advantage that can be given.

In addition, the present invention provides an advantage of improving the safety and security of transactions by using a non-recognition code such as a barcode when payment using a communication terminal.

Moreover, the present invention provides an advantage of transmitting a coupon approved by a manufacturer or a service provider to a communication terminal of a desired user, thereby receiving a discount of the corresponding goods and services.

Although a preferred embodiment of the present invention has been described in detail above, those skilled in the art to which the present invention pertains may make various changes without departing from the spirit and scope of the invention as defined in the appended claims. It will be appreciated that modifications or variations may be made. Therefore, changes in the future embodiments of the present invention will not be able to escape the technology of the present invention.

Claims (7)

In the commerce system using a communication terminal, Communication terminal for transmitting and receiving data through wired and wireless data communication network; A server for generating and transmitting an unrecognized payment approval code such as a barcode so that payment can be made using the communication terminal; And an approval code reader for reading the displayed approval code transmitted from the server to the communication terminal. The server is associated with a communication company associated with the communication terminal and a predetermined payment financial institution that confirms and authenticates the payment of the communication terminal, The approval code reader is installed in the affiliated companies and goods / services sellers that can be paid through the communication terminal in conjunction with the server, commerce system using a communication terminal. The method of claim 1, wherein the approval code transmitted from the server to the communication terminal is a barcode read by a reader installed in the affiliated company and the seller, The communication terminal receiving the barcode is a commercial system using a communication terminal, characterized in that for displaying or storing the received barcode on the display window. The system of claim 1, wherein the communication terminal is a terminal that can be connected to the server through a wired or wireless data communication network such as a mobile communication terminal, a computer, and a PDA. The method of claim 1, wherein the server may send a coupon approved by the predetermined manufacturer to the communication terminal of the desired user, The communication terminal receiving the coupon is a commerce system using a communication terminal, characterized in that for displaying or storing the received coupon on the display window. In a method of commerce using a communication terminal, including financial settlement institutions such as credit card companies, wire / wireless telecommunications companies, goods manufacturers, sellers of goods or services, predetermined merchants and commerce service operators using communication terminals. In When the service operator purchases goods and services using a predetermined non-perceived payment approval code, such as a bar code sent to the communication terminal, the institution and each of the agencies to give a predetermined discount to the user of the communication terminal using the code. Negotiating with companies; Requesting, by the user of the communication terminal, a wired / wireless connection to the server of the operator for a purchase of goods or services and requesting a payment approval code for payment of goods purchase; Transmitting, by the server of the operator, the credit information of the user of the communication terminal to search for and transmit the payment approval code necessary for purchasing the corresponding item; A company selling the goods or services reads a payment approval code received at the communication terminal through a predetermined reader to confirm whether or not the warranty is in accordance with credit sales; The financial settlement agency or wire / wireless communication company notifying and charging the details of the purchase cost using the communication terminal to the user of the communication terminal; Commerce method using a communication terminal, characterized in that the service operator, the institution and each company settles the payment for the transaction using the communication terminal in accordance with a predetermined agreement at a predetermined period. . The method of claim 5, wherein the server transmits the coupon approved and issued by the manufacturer to a communication terminal of a desired user, thereby enabling the user to receive a discount on the price of the corresponding product. . 6. The communication terminal according to claim 5, wherein the server of the operator establishes a cooperative relationship with a predetermined value-added network (VAN) company to search and inquire the credit information of the user of the communication terminal. Commerce method using.