KR20020017972A - credit bar-code circulating method by mobile communication terminal and computer readable medium stored thereon computer executable instruction for performing the same - Google Patents

Abstract

PURPOSE: A method for distributing a bar code using a mobile communication terminal and a recording medium are provided to secure convenience and security in the use of a credit card by distributing an intangible credit bar code through a mobile communication terminal. CONSTITUTION: The method comprises the steps of receiving credit card sort information, the identification information of a credit card selected by an applicant, and the telephone number of a mobile communication terminal supplied with a credit bar code from a client of the issue applicant connected with a system of a credit bar code issuing organization(S70), generating a credit bar code by bar-coding the credit bar code text data including the credit card identification information(S100), and transmitting the credit bar code to the mobile communication terminal via a mobile communication company by using the telephone information(S110). The network realizing the credit bar code distribution method comprises a user client, a mobile communication terminal, a mobile communication company system, and a management organization client.

Description

Credit bar code distribution method using a mobile communication terminal and a computer-readable recording medium containing a program for implementing the same {credit bar-code circulating method by mobile communication terminal and computer readable medium stored thereon computer executable instruction for performing the same}

The present invention relates to a credit barcode distribution method using a mobile communication terminal and a computer-readable recording medium containing a program for implementing the same, and more particularly, it is widely spread and always carried in place of various credit cards that can be distributed. Credit bar code distribution method for issuing credit bar codes on the mobile communication terminal via a wireless communication network, and outputting the bar codes to the display unit provided in the mobile communication terminal and a program for implementing the same. The present invention relates to a readable recording medium.

Currently, almost all credit cards are issued and used in the form of a plastic card with a magnetic strip on the back or an integrated circuit (IC) chip. Hereinafter, all cards in the form of fluids issued and used with collateral such as debit cards and cash cards, including credit cards, are collectively referred to as "credit cards."

However, according to the conventional credit card distribution method, if the user wants to use the credit card, it is inconvenient to bring it to the handling agency, and if the magnetic strip or the IC chip is damaged, it is impossible to use the credit card. There was a problem.

On the other hand, as information and communication technology has advanced rapidly, mobile communication terminals such as cellular phones and PCS phones, which enable voice calls, text message transmission, image transmission, and Internet access using WAP (Wireless Application Protocol), are widely used. In addition, commercialization of international mobile telecommunication (IMT) -2000 terminals and code division multiple access (CDMA) -2000 terminals, which are called 'dream information and communication devices', is also gradually expanding.

The IMT-2000 or CDMA-2000 terminal is a next-generation mobile communication terminal using satellite, and provides an advantage that a service such as voice call, video call, telex, fax, wireless call or e-mail can be provided anywhere in the world. have. Accordingly, the mobile communication service mainly focused on the voice communication service, IMT-2000 or CDMA capable of transmitting and receiving high-capacity digital data packets at high speed and providing multimedia media such as video and music in real time. It is expected to develop into a mobile communication service based on the -2000 terminal.

In addition, in the field of distribution of goods, bar codes are widely used for systematic distribution, distribution and management of goods, and the bar codes can be largely classified into 1-dimensional barcodes and 2-dimensional barcodes. Here, the one-dimensional bar code is a combination of white bars and black bars of different thicknesses in order to systematically express the country classification, manufacturer, product number, read error prevention, etc., one-dimensionally arranged and optically readable In order to store a larger amount of information, the 2D barcode refers to an information reading unit configured in a form of a matrix rather than a bar and arranged in two dimensions so that it can be optically read. Currently, barcodes generally contain information according to pre-promised protocols and quickly read the recorded information using a bar code reader, making it easy to identify the logistics, distribution, and management status of barcodes. Has gained much attention in the logistics, distribution and management sectors, but its applications are expected to diversify in the future.

Accordingly, the present applicant has applied the bar code technology, which is in the spotlight in the field of distribution, logistics, and management of the goods described above, and the mobile communication technology that enables the transmission and reception of image information through wireless to the credit card distribution field. The present invention has been made under a technical background for solving the problems of the credit card distribution method.

Therefore, the technical problem to be achieved by the present invention is to distribute the intangible credit bar code that can be used substantially the same as a credit card through a mobile communication terminal to facilitate the security and security of the use of credit card, mobile communication The present invention provides a credit barcode distribution method using a terminal.

Another object of the present invention is to provide a computer-readable recording medium in which a credit barcode distribution method is programmed using the mobile communication terminal.

1 is a block diagram illustrating a device configuration of a mobile communication terminal in which a credit barcode distribution method using the mobile communication terminal according to the present invention can be implemented.

2 is a network diagram illustrating a method for distributing a credit barcode using a mobile communication terminal according to the present invention.

3 is a flowchart illustrating a process of issuing a credit barcode in a credit barcode distribution method using a mobile communication terminal according to a preferred embodiment of the present invention.

4 is a flowchart illustrating a credit barcode processing process in a beneficiary mobile communication terminal in the credit barcode distribution method according to the present invention.

5 is a flowchart illustrating a credit barcode approval process in a handling agency in a credit barcode distribution method using a mobile communication terminal according to the present invention.

6 is an exemplary view of a bar code that can be employed as a credit bar code in the method of credit bar code distribution using a mobile communication terminal according to the present invention.

Credit barcode distribution method using a mobile communication terminal according to an aspect of the present invention for achieving the above technical problem, (a) issuance target of the credit barcode from the client of the issuing requester connected to the issuing authority system of the credit barcode via the Internet Receiving credit card type information, identification information of a credit card selected by the issuing requester, and telephone number information of a mobile communication terminal to which a credit bar code will be received; (b) generating a credit barcode by barcodeing the credit barcode text data including the credit card identification information; And (c) transmitting the generated credit barcode to the mobile communication terminal through the mobile communication service provider system using the phone number information.

In one aspect of the invention, the credit card identification information preferably includes a unique serial number and password of the credit card to be issued a credit barcode.

In one aspect of the present invention, the credit barcode text data may further include transaction history information of the credit barcode.

According to an aspect of the present invention, after the step (c) is performed, the issued credit barcode is stored in a memory provided in the recipient's mobile communication terminal; And setting a call password used to call the credit barcode stored in the memory with a graphic interface.

According to an aspect of the present invention, after the step (c) is performed, the issued credit barcode is stored in a memory provided in the recipient's mobile communication terminal; Displaying the credit barcode stored in the memory in a graphic interface through a display unit provided in the receiver's mobile communication terminal at the request of the receiver; A credit barcode displayed by a graphic interface is read by a barcode scanner provided in the handling agency client to read credit barcode text data; Requesting, by the handling agency client, the authentication bar code to authenticate the credit bar code based on the credit bar code text data; And when the credit bar code is authenticated, the handling agency client may receive a service amount from a beneficiary and perform a payment operation.

In an aspect of the present invention, the method may further include encrypting the credit barcode text data before generating the credit barcode in step (b).

In one aspect of the invention, before proceeding to the step (b), the issuer system using the credit card identification information to determine whether it is possible to issue a credit bar code in connection with the credit card information lookup server of the financial settlement agency It may further include.

Credit bar code distribution method using a mobile communication terminal according to another aspect of the present invention for achieving the above technical problem, credit bar code distribution using a mobile communication terminal equipped with a bar code processing program capable of converting the credit bar code text data to a credit bar code A method comprising: (a) credit card type information to be issued for a credit barcode from a client of an issuing requester connected to a credit barcode issuing authority system through the Internet, identification information of the credit card selected by the issuing requester, Receiving telephone number information of a mobile communication terminal to which a credit barcode is to be received; (b) transmitting credit barcode text data including the credit card identification information to the mobile communication terminal through a mobile service provider system using the telephone number information; And (c) converting the credit barcode text data transmitted to the issuer system by the barcode processing program driven by the mobile communication terminal into a credit barcode.

Credit barcode distribution method using a mobile communication terminal according to another aspect of the present invention for achieving the above technical problem, (a) issuing a credit barcode from the client of the issuing requester connected to the issuing authority system of the credit barcode via the Internet Receiving credit card type information, an identification information of the credit card selected by the issuing requester, and telephone number information of a beneficiary mobile communication terminal to which a credit barcode is received; (b) transmitting credit barcode text data including the credit card identification information and telephone number information of the beneficiary mobile communication terminal to a mobile communication service provider system; And (c) generating a credit barcode by barcodeing the credit barcode text data by the mobile communication provider system and transmitting the generated credit barcode to a beneficiary mobile communication terminal using the telephone number information. It is done.

On the other hand, another technical problem of the present invention described above may be achieved by a computer-readable recording medium in which a credit barcode distribution method is programmed using a mobile communication terminal according to the present invention. Such recording media includes all types of recording media on which programs and data are stored so that they can be read by a computer system. Examples include ROM (Read Only Memory), Random Access Memory (RAM), Compact Disk (CD) -Rom, Digital Video Disk (DVD) -Rom, magnetic tape, floppy disk, hard disk, optical data storage device, and the like. have. In addition, these recording media can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention. However, the preferred embodiments of the present invention described below are not intended to limit the technical scope of the present invention, and are provided to more clearly and easily describe the present invention to those skilled in the art. It is done. On the other hand, "credit barcode" refers to image data after being barcoded, and "credit barcode text data" refers to text data to be barcoded. Like reference numerals in the drawings refer to like elements.

1 is a block diagram illustrating a device configuration of a mobile communication terminal in which a credit barcode distribution method using the mobile communication terminal according to the present invention can be implemented.

As shown in FIG. 1, the mobile communication terminal I in which the credit barcode distribution method according to the present invention can be implemented includes: a central processing unit 30 which largely controls the overall operation of the mobile communication terminal I; An antenna 10 for receiving or transmitting a communication signal; A communication signal processing unit 20 for processing a communication signal received by the mobile communication terminal I through the antenna 10 or vice versa transmitted from the mobile communication terminal I; A keypad unit 40 used for inputting a telephone number or utilizing various functions provided in the mobile communication terminal I to implement the technical idea according to the present invention; A display unit 50 which visually displays the processing state of various functions provided through the mobile communication terminal I so as to implement an operating state of the mobile communication terminal I or the technical idea according to the present invention, which is made of a liquid crystal or the like; A memory 90 for storing a variety of data related to a credit barcode processing program or an issued credit barcode provided according to the present invention; A speaker 70 converting the voice signal received through the antenna 10 into mechanical vibration energy and outputting voice; A microphone (80) for converting mechanical vibration energy generated according to voice input through a predetermined voice input unit provided in the mobile communication terminal (I) into an electric voice signal; It is preferable to include a codec 60 connected to the speaker 70 and the microphone 80 and converting an analog signal related to voice into a digital signal or vice versa.

On the other hand, by the predetermined video input means, for example, the camera 100 and the camera 100 to input the video information of the caller to the mobile communication terminal (I) as in the IMT-2000 or CDMA-2000 terminal When the A / D converter 110 for digitizing the photographed analog signal is provided, the camera 100 can also be used for barcode scanning. In this case, the barcode processing program (to be described later) executed under the control of the central processing unit 30 in the mobile communication terminal I (hereinafter described) is a predetermined decoding algorithm, for example, PDF 417, for the barcode scanned by the camera 100. It may be provided with a decoding module for decoding the information contained in the bar code by decoding using a decoding algorithm.

2 is a network diagram illustrating a method for distributing a credit barcode using a mobile communication terminal according to the present invention.

As shown in FIG. 2, the network in which the credit barcode distribution method using the mobile communication terminal I according to the present invention is implemented is largely based on the issuing authority system 200. A user client 300 used to apply for issuance of a credit barcode; A mobile communication terminal 310 used by a recipient of a credit barcode to receive, manage, and use a credit barcode issued according to the present invention; A mobile communication service provider system 320 for wirelessly transmitting a credit barcode provided by the issuing authority system 200 to the recipient's mobile communication terminal 310; Includes a handling agency client 330 for handling credit barcodes issued in accordance with the present invention. At this time, the credit bar code issuer may be a credit card company or a bank, the internal system resources of the issuer system 200 is preferably connected to a local area network (LAN) 240. Although not shown in detail in the drawings, it is preferable that a network interface is formed between the issuing authority system 200 and an external network through a router (not shown).

Looking at the network configuration shown in Figure 2 in more detail, the issuing authority system 200, the processing of the web document associated with the issuance of a credit bar code according to the present invention and the external client 300 or 330 via the Internet A web server 210 as a host in charge of mutual communication; Database various kinds of information interactively delivered from an external system (not shown) that can be included as a network constituent through the business alliance with respect to the external client 300 or 330 and the credit barcode distribution method according to the present invention. A data management server 250 for efficiently distributing the throughput of data in charge of the web server 210; An authentication server 260 in charge of authentication processing for a credit barcode issued in accordance with the present invention against the handling agency client 330; The first database 252 and the second database 262, which are interlocked with the data management server 250 and the authentication server 260, respectively, update, and delete a large amount of information necessary for implementing the technical idea according to the present invention. )Wow; An internal client 270 is provided to manage various system resources in the issuing authority system 200.

The data constructed in the first and second databases 252 and 262 may be constructed in a structure such as a relational database, a distributed database, and an object-oriented database. Particularly, in the present invention, a scalable relational database may be used. It is preferable to establish the first and second databases 252 and 262. However, the technical idea according to the present invention is not limited thereto.

More specifically, the first database 252 includes a member information storage unit for storing and managing member information such as a member ID, a password, a social security number, an address, and a mobile communication terminal telephone number; A variety of information related to issuance of a credit bar code according to the present invention, including a mobile communication terminal 310 number to which a credit bar code is received; password; Rating information; Validity; Credit barcode issuance history information storage unit that records and manages the available country name; Transaction related information via a credit barcode, such as transaction date and time; Transaction amount; Currency code; Installment months; A transaction information storage unit for storing and managing payment accounts, overdue details, loss status, and credit information; Agency information handling the credit barcode, such as the serial number (ID) of the agency; Name of agency; Agency address; Agency telephone number; Handling agency registration date; It is preferable to include a handling agency information storage unit in which information such as handling agency representatives are recorded and managed, but is not limited thereto. In this case, it may be desirable to design the data structure relationally so that the barcode issuance information storage unit and the transaction information storage unit can be accessed by using a member ID uniquely assigned to the issuing requester.

In addition, the second database 262 is provided with an authentication key information storage unit that stores the credit bar code authentication key issued by the authentication server 260 when a credit bar code is issued according to the present invention. It is preferable to construct the authentication key information storage unit so that the issued credit barcode authentication key is associated.

The issuer system 200 may optionally include a firewall server 232 and an intrusion detection server 230 in addition to the system resources described above. In this case, the firewall server 232 is located between an external network, such as the Internet, and the internal network (issuing agency system 200) to detect intrusion into the internal network from the external network to protect information and system resources of the internal network. To perform the function. In other words, in order to access the internal network from the external network, the firewall server 232 must pass through to prevent traffic to information and system resources existing in the internal network. In addition, the intrusion detection server 230 performs a function of preventing an unauthorized user of an internal network from accessing system resources existing in the internal network and information requiring security and performing illegal actions.

The user client 300 used by the issuer of the credit barcode may be a laptop computer of an individual or a company. In this case, the user client 300 may be equipped with basic hardware such as a display device such as a monitor, an input device such as a keyboard or a mouse, a data processing processor, a storage medium, or a communication device such as a modem or a LAN card. In addition, the user client 300 receives and outputs various web documents provided through the web server 210 of the operating system and issuer system 200 that support the graphic user interface function, such as the Microsoft Windows series. It is preferable that a web browser, such as Microsoft's Explorer (registered trademark) or Netscape's Navigator (registered trademark), is basically loaded. On the other hand, the user client 300 is a mobile communication that can be connected to the web server 210 of the issuing authority system 200 through the wireless Internet using a known wireless Internet protocol, for example, Wireless Application Protocol (WAP) in some cases It may be a terminal. In this case, the issuing authority system 200 is preferably provided with a web server 280 that provides a network interface to utilize the system resources inside the issuer through the wireless Internet.

The handling agency client 330 may include a client of a credit bar code merchant or an unattended cash dispenser. The handling agency client 330 may be a wired internet network, a public switched telephone network (PSTN) for voice communication, and a value added VAN. It may be connected to the issuing authority system 200 via an intermediary service provider using a network or the like, or may be further connected to the issuing authority system 200 via a wireless communication network. The handling agency client 330 is equipped with substantially the same hardware and software as the user client 300, and is issued in accordance with the present invention and outputted in the form of an image on the display unit 50 of the recipient's mobile communication terminal 310. It is desirable to have a barcode reader 332 capable of scanning barcodes. In addition, the handling agency client 330 reads the information contained in the credit barcode by decoding the credit barcode scanned by the barcode scanner 314 to a predetermined storage medium through a predetermined decoding algorithm, for example, a PDF 417 decryption algorithm. It is desirable to store a decoding module that enables the storage device to be stored in a predetermined storage medium and execute when necessary.

3 is a flowchart illustrating a process of issuing a credit barcode in a credit barcode distribution method using a mobile communication terminal according to a preferred embodiment of the present invention.

As shown in FIG. 3, the issuing requester first accesses the web server 210 of the issuing authority system 200 using the user client 300 in step S10. Then, the issuing authority system 200 in response to the main web page to the user client 300 through the Internet to the main web page that allows the issuing requester after the member authentication in step S20 to access various web interfaces related to issuing credit barcodes Will be provided. Subsequently, the issuing requester requests a member authentication web page having a member authentication interface by performing a predetermined web navigation on the main web page in order to access various web interfaces related to credit bar code issuance. In response to this, in step S30, the member authentication web page is provided to the client 300 of the issuer. The issuing requester inputs a member ID and a password, which are member authentication information, on the member authentication web page, and requests a member authentication to the issuing authority system 200. Then, the issuing authority system 200 checks whether the issuing requester requesting member authentication at the present time is a registered member using the member information storage unit in the first database 252 in step S40.

If it is determined in step S40 that the issuing requester is not a member, the process proceeds to step S45 in which a member in the first database 252 receives member-related information through a member registration web page having a member interface. By registering in the information storage unit, a new member is registered. In this case, the information input on the member registration web page may include a member ID, password, social security number, address, name, age, gender, telephone number, e-mail address, and telephone number of a mobile communication terminal. Can be. If it is determined in step S40 that the issuing requester is a registered member, the web page for issuing a credit bar code is provided to the client 300 of the issuing requester.

The credit bar code issuance web page may include: a credit card type selection interface for allowing the issuing requester to select a type of credit card previously issued to the credit requester; A credit card related information input interface for allowing an issuing requester to input credit card related information such as a serial number of a credit card, a payment account, an expiration date, and a password; It is preferable to have a web navigation for accessing a telephone number input interface for inputting a telephone number of a mobile communication terminal 310 to which a credit barcode is to be supplied.

If the web page for credit bar code issuing is provided in step S50, the issuing requester determines whether to receive a predetermined credit bar code at the present time in step S60. If, as a result of the determination in step S60, if you do not want to be issued a predetermined credit bar code at the present time, in step S65 to use other additional services desired by the user, on the contrary, to receive a predetermined credit bar code at the present time If desired, the above credit card type selection interface using a web page for issuing credit barcodes; A credit card related information input interface; And accessing the telephone number input interface to provide the issuing authority system 200 through the Internet with information necessary for issuing a credit barcode.

More specifically, the issuing requester selects a credit card type to be issued a credit bar code using the credit card type selection interface in step S70, and uses a credit card related information input interface to determine the serial number, payment account, and expiration date of the credit card. After inputting information related to the selected credit card, such as a password, the selected credit card type information and the corresponding credit card related information are transmitted to the issuing authority system 200 through the Internet.

Then, in step S80, the issuing authority system 200 finances the issuance and distribution of the credit card through the Internet using the credit card type information and the credit card related information transmitted from the client 300 of the issuing requester in step S70. The credit card information inquiry server (not shown) of the KFTC makes an inquiry request about the availability of the credit card selected by the issuing applicant. At this time, the credit card information inquiry server of the financial settlement agency is the credit status of the credit card holder requested to inquire; Suspension of the credit card due to late payment or application of the requesting party; Information about whether or not the credit card is lost is searched and the inquiry result is provided to the issuing authority system 200. The issuing authority system 200 determines whether to issue a credit barcode at the present time based on the provided information. The process between the issuing institution system 200 and the financial settlement agency for the inquiry of the availability of such a credit card is already known to those skilled in the art to which the present invention pertains. It will be omitted.

If it is determined in step S80 that the issuance of the credit bar code issued at the present time is not possible due to reasons such as a bad credit of the issuing applicant, the issuing authority system 200 may issue a 'credit bar code' in step S85. Can not be provided to the client 300 of the issuing requester. However, when the credit bar code issuance requirement is satisfied as a result of the determination in step S80, the issuer system 200 inputs a phone number for inputting the phone number of the mobile communication terminal 310 to which the credit bar code will be received in response thereto. It will provide an interface. Then, the issuing requester inputs the telephone number of the mobile communication terminal 310 to receive the credit barcode in step S90 on the telephone number input interface and provides the inputted information to the issuing authority system 200 through the Internet. In the present invention, step S90 of receiving the phone number of the mobile communication terminal 310 to receive a credit barcode from the issuing requester may be integrated with step S70. In this case, the issuing requester, in addition to selecting the type of the credit card to which the credit bar code is issued and inputting the related information of the selected credit card in step S70, the phone number of the mobile communication terminal 310 to which the credit bar code will be received using the phone number input interface Of course, additionally input and provide the inputted phone number information to the issuer system 200.

When the information necessary for issuance of the credit barcode is provided to the issuing authority system 200 as described above, the issuing authority system 200 includes text data (at least credit card related information) to be included in the credit barcode in step S100. ) Is encrypted using a predetermined encryption algorithm, such as a hash algorithm, and then the encrypted information is barcoded again using a predetermined barcoded algorithm. When the credit barcode text data is encrypted using an encryption algorithm as described above, it is impossible to decrypt the credit barcode unless it is a handling institution that is authenticated (affiliated) by the issuing authority system 200, thereby issuing and distributing according to the present invention. The security of the credit bar code is secured. To this end, the handling agency client 330 includes a decryption module that can decrypt and decrypt the encrypted credit barcode text data scanned and read by the barcode scanner 332 on a predetermined storage medium, and is driven when necessary. It is preferably prepared in advance so that the decryption module is provided only to the handling authority certified (affiliated) from the issuing authority system 200.

According to the present invention, the credit barcode generated in step S100 may be a one-dimensional barcode or a two-dimensional barcode according to the amount of information contained in the barcode, but in the present invention, the amount of information to be stored in the credit barcode is determined. In view of this, it is preferable to employ a two-dimensional bar code such as a PDF 417 bar code as shown in FIG. 6. However, the technical idea according to the present invention is not limited thereto. 6 illustrates various barcodes that can be used as credit barcodes in a credit barcode distribution method using a mobile communication terminal according to the present invention. Code block, code-49, code-16 and QR code are shown in the order from the top left to the bottom of FIG. 6, and again the maxi code, data matrix, PDF in the order from top right to bottom. -417 code is shown. Detailed algorithm for generating a credit barcode according to the present invention according to the bar code system shown in Figure 6 is known to those skilled in the art, detailed description thereof will be omitted herein. .

When the credit bar code is generated through the above process, the issuing authority system 200 includes information related to the credit bar code issuance information storage unit in the first database in step S110 and receives the beneficiary through the mobile communication service provider system 320. The credit barcode is transmitted to the mobile communication terminal (310). At this time, optionally, simple character data (identifying the type of credit barcode) that can identify what credit barcode is transmitted in addition to credit barcode image data to allow the credit barcode recipient to enjoy convenience in using the credit barcode. Information) or a description of how to handle a credit bar code. The transmission of additional information in text format other than the credit barcode image data may be performed in substantially the same or similar manner as the text message service that the mobile communication service provider system 320 may provide. To this end, an appropriate cooperation system should be provided between the issuing authority and the mobile communication provider, and for this purpose, the issuing authority system 200 and the mobile communication service provider system 320 should form a network interface according to a known conventional method. Of course.

When the credit barcode is transmitted to the recipient's mobile communication terminal 310 in step S110, the credit barcode recipient checks whether the credit barcode is normally transmitted using the mobile communication terminal 310 in step S120. However, in some cases, since the power supply of the beneficiary mobile communication terminal 310 is turned off, a case in which the credit bar code cannot be transmitted to the beneficiary's mobile communication terminal 310 in step S120 may occur. In this case, it may be desirable for the mobile telecommunications provider system 320 to detect that the beneficiary mobile telecommunication terminal 310 is powered on and resend the credit barcode. Since this technical configuration is substantially the same as the text message service provided according to the prior art, a detailed description thereof will be omitted.

In step S120, when the recipient confirms that the credit barcode issued from the issuing authority system 200 arrives to his mobile terminal 310, the credit barcode receiver sends the credit barcode image data to the mobile terminal 310 in step S130. By operating the keypad unit 40 of the) is stored a credit bar code issued in a predetermined address area of the memory 90 provided in the terminal (310).

In the credit bar code issuing process according to the present invention described in detail with reference to FIG. 3, the credit bar code issued by the issuing authority system 200 contains information for identifying a credit bar code. For example, the credit barcode identification information may include credit barcode unique number and password information, and may include credit barcode rating information, credit barcode validity period or credit barcode available country of origin, if necessary.

In some cases (optionally), a credit bar code issued in accordance with the present invention may include a current usage amount; Transaction history information such as the amount used so far may be further included. The transaction history information can be continuously updated according to the present invention (to be described later), and in this case, the service provider's service limit of the credit barcode holder will be easily confirmed by the recipient as well as the handling institution. In addition, in storing the credit barcode in the memory 90 of the receiver's mobile communication terminal 310, the portion where the credit barcode identification information is stored and the portion where the transaction history information is stored are separated, and when the transaction history information is later updated. Only the address area of the memory 90 containing the transaction history information can be updated.

On the other hand, the credit bar code distribution method using a mobile communication terminal according to the present invention, even if there is no credit card issued in the form of a fluid may be implemented to receive a credit bar code. In this case, the issuing authority system 200 is preferably operated by a credit card company or a bank that has previously issued a credit card in the form of a fluid on the offline, and the issuing applicant is substantially the same as in an application for using a fluid credit card performed offline. In the same manner, after receiving a use application for a barcode credit card product to an issuer and receiving approval for use, a credit balcode is issued according to the process provided by the present invention.

More specifically, the applicant for using a barcode credit card must first make a statement; Resident registration number; address; General member information such as a telephone number of a mobile communication terminal and bar code credit card product type information; Barcode credit card passwords; Payment account; Application form for using a barcode credit card containing barcode credit card related information such as billing address, etc. is received to the issuer through online or offline as in the prior art. In particular, in order to receive the barcode credit card use application form through the online (eg, the Internet) to the issuer, the issuing authority system 200 issues an issuer system through a web page for creating a barcode credit card use application. It would be desirable to provide a barcode credit card issuing applicant connected to 200.

When the application for barcode credit card is received by the issuing organization, the issuing agency will review the application form received and if the screening result satisfies the requirements for issuing a credit barcode, the application-related information provided through the barcode credit card application and Unique number of barcode credit card according to barcode credit card type applied for use; Rating information; Validity; Used solution; Bar code credit card issuance information including the available country name is stored in the first database of the issuing authority system through manual labor and the like. To this end, the first database is preferably provided with a barcode credit card issuance history information storage unit.

Then, the issuing agency may receive a credit barcode according to the present invention on the basis of the barcode credit card product approved for use by e-mail or mail to the applicant for issuing a barcode credit card, and the barcode credit card related information (barcode credit). You will be notified of the card's unique number, rating information, expiration date, usage limit, available country name, etc. As such, as the use of the intangible barcode credit card is approved, the use of the barcode credit card is substantially the same as that of obtaining the credit barcode based on the fluid type credit card issued offline as described above. The person is able to access the issuing authority system 200 as a credit barcode issuing requester and receive a credit barcode according to the present invention through a membership registration process.

If the credit bar code is issued according to the present invention based on the bar code credit card in the body form as described above, the issuer can use the credit card type selection interface that can be accessed through the web page for issuing the credit bar code. It is natural to those skilled in the art to select a 'barcode credit card' as a basic credit card for issuing a credit barcode.

On the other hand, when the applicant for issuing a barcode credit card submits a use application to the issuing authority and submits information on the login ID and password to the issuing authority system 200, the applicant must apply even if the member registration process is not performed. Naturally, those who have ordinary knowledge in the technical field to which the present invention belongs will be able to access the issuer system 200 using the ID and password to access the web page for issuing the credit barcode provided according to the present invention. Do.

4 is a flowchart illustrating a credit barcode processing process in the beneficiary mobile communication terminal 310 in the credit barcode distribution method according to the present invention. Since the credit barcode processing in the mobile communication terminal 310 is performed by a credit barcode processing program, the procedure described below is performed by the central processing unit 30 of the mobile communication terminal 310 as a subject unless otherwise described. Reveal. In addition, referring to the following description, the technical configuration of a credit barcode processing program running on a beneficiary mobile communication terminal 310 according to the present invention is clearly understood by a person skilled in the art. It can be natural.

As shown in FIG. 4, first, when the power of the mobile communication terminal 310 is turned on by the beneficiary in step S140, the process proceeds to step S150 to determine whether a credit bar code newly received from the issuing authority system 200 is present. Judging. If there is a newly received credit bar code as a result of the determination in step S150, the process proceeds to step S160 and the fact that the credit bar code is received is displayed on the display unit 50 of the mobile communication terminal 310. Subsequently, in step S170, it is determined whether the newly received credit barcode is a newly issued credit barcode from the issuing authority system 200. If it is determined in step S170 that the credit bar code received based on the current time is determined to be a newly issued credit bar code, the process proceeds to step S180 and the central processing unit 30 stores the credit bar code received to the recipient. The display unit 50 of the mobile communication terminal 310 inquires whether to designate the address to be asked by the graphical interface. If the recipient specifies a predetermined storage address according to the query in step S180, the process proceeds to step S190 to store the received credit barcode at the storage address specified by the recipient. On the other hand, if the recipient does not specify a storage address for the newly issued credit bar code according to the query at step S180, the process proceeds to step S200 and automatically stores the newly issued credit bar code at the pre-programmed storage address. Done. After the newly issued credit bar code is stored in the memory 90 of the mobile communication terminal 310 through steps S180 to S200, the process proceeds to step S210 to move whether or not to set the call password of the credit bar code to the recipient. The display unit 50 of the communication terminal 310 queries the graphical interface. When the recipient sets the call password of the credit barcode according to the query in step S210, the process proceeds to step S220 to store the set call password in the memory 90 of the mobile communication terminal 310. On the contrary, if the recipient does not set the call password of the credit barcode according to the query in step S210, the process of the credit barcode processing program according to the present invention is terminated.

On the other hand, if the determination result in step S170, based on the current time, the credit bar code issued from the issuing authority system 200 is not newly issued, but is issued for the purpose of updating the information of the credit bar code that has been previously issued. In this case, the process proceeds to step S230, whereby the credit barcode previously stored in the memory 90 of the mobile communication terminal 310 is updated with the newly received credit barcode. To this end, in storing the credit barcode issued from the issuing authority system 200 in the memory 90 of the mobile communication terminal 310, the identification information and transaction history information of the credit barcode can be stored separately, step S230 If the information to be updated in the credit bar code information update is related to the transaction history, only the transaction history information may be independently updated, but the technical idea according to the present invention is not limited thereto.

On the other hand, as a result of determining whether the newly received credit bar code is present in step S150, if there is no credit bar code received based on the current time point, the process proceeds to step S240 and the credit bar code recipient receives the mobile communication terminal ( It is determined whether or not the pre-stored credit barcode calling function is selected using the keypad 40 of 310. As a result of the determination in step S240, when the credit barcode call function is selected by the beneficiary, the process proceeds to step S250 so that a credit barcode desired to be called by the beneficiary is designated. As such, when there is a call designation for a predetermined credit barcode in step S250, the process proceeds to step S260 to determine whether a call password is set in the designated credit barcode. As a result of the determination in step S260, when the call password is set in the credit barcode designated by the recipient, the call interface is input to the graphic interface through the display unit 50 of the mobile communication terminal 310. Accordingly, when the recipient enters the call password through the keypad 40 of the mobile communication terminal 310, the process proceeds to step S270 to determine whether the call password matches the preset call password. As a result of the determination in step S270, when the call password input by the beneficiary and the call password stored in the memory 90 match, the process proceeds to step S280, whereby the credit barcode called by the beneficiary is displayed on the display unit of the mobile communication terminal 310. Through 50, the graphic interface is output. On the contrary, when the determination result at step S270 is that the call password entered by the beneficiary and the call password stored in the memory 90 do not match, the process proceeds to step S290 where the credit bar code cannot be called. The display unit 50 of 310 is notified to the graphical interface, and then the process according to the credit barcode processing program according to the present invention is terminated. On the other hand, if it is determined in step S260 that the call password is not set for the credit bar code designated by the recipient, the process proceeds to step S280 where the called credit bar code is displayed on the display unit 50 of the mobile communication terminal 310. Is displayed via the graphical interface.

The above process of storing the newly issued credit barcode made in accordance with the technical idea according to the present invention in the memory 90 of the mobile communication terminal 310; Updating a credit barcode previously stored in the memory 90 with a newly received credit barcode; The process of calling a predetermined credit barcode stored in the memory 90 and calling the graphic interface through the display unit 50 of the mobile communication terminal 310 has been described in detail. Apart from these processes, the credit bar code processing program provided according to the present invention may provide a process of deleting a credit bar code previously stored in the memory 90 according to a predetermined exit condition. Specifically, in step S300 it is determined whether the exit condition of the credit barcode output through the display unit 50 of the mobile communication terminal 310 is established. Here, the exit condition of the credit bar code may be assumed by the recipient's exit function key input or the passage of a predetermined time, but the technical idea according to the present invention is not limited thereto. As a result of the determination in step S300, when the exit condition of the credit bar code displayed through the display unit 50 is established, the process proceeds to step S310 so that the displayed credit bar code is deleted from the memory 90 and provided according to the present invention. The process of the credit barcode processing program is terminated.

On the other hand, although not shown in detail in Figure 4, the credit bar code processing program according to the present invention may provide a process that allows the recipient to receive the information content contained in the predetermined credit bar code in the form of a text. In this case, the form of the data displayed through the display unit 50 of the mobile communication terminal 90 is changed from the bar code image data to the character data at the request of the recipient. The process of providing the credit barcode data in the form of text data will be similar to the steps S240 to S310 is natural to those skilled in the art. In this case, the bar code processing program executed in the mobile communication terminal 310 should be provided with a module capable of decoding credit barcodes and a module capable of decrypting encrypted content.

5 is a flowchart illustrating a credit barcode approval process in a handling agency in a credit barcode distribution method using a mobile communication terminal according to the present invention. The following description reveals that the credit barcode recipient visits a predetermined affiliate store and then calls the credit barcode issued according to the present invention to the display unit 50 of the mobile communication terminal 310 through a graphic interface.

As shown in FIG. 5, first, in step S320, a credit barcode output as a graphical interface on the display unit 50 of the beneficiary mobile communication terminal 310 is scanned by the barcode scanner 332 provided in the handling agency client 330. And then decoded. When the information contained in the credit barcode is successfully decoded in step S320, the process proceeds to step S330, so that the handling agency client 330 accesses the issuing authority system 200 and uses the decoded information to process the credit barcode. The authentication is requested to the authentication server 260. At this time, the connection between the handling agency client 330 and the issuing authority system 200 may be made through a variety of communication networks, such as the Internet, wireless Internet, PSTN and VAN. Then, the authentication server 260 accesses the authentication key information storage unit in the second database 262 by using the credit barcode identification information, for example, the serial number of the credit card to which the credit barcode is to be granted, as a key, so that the authentication barcode at the present time is applied. The authentication process will proceed.

Subsequently, in step S340, the handling agency client 330 requests the issuer system 200 to inquire whether the processing target credit barcode is available. Then, the issuing authority system 200 retrieves and verifies the authenticity, loss, and credit status information of the subject barcode of processing using the first database built on its own, and the credit applied for use at the present time based on the inquiry result. Information on the availability of the bar code is transmitted to the handling agency client (330).

If information on whether the credit bar code is available in step S340 is transmitted from the issuing authority system 200 to the handling agency client 330, the process proceeds to step S350 and the handling agency client 330 of the credit barcode presented by the beneficiary It is determined whether the service is available. As a result of the determination in step S350, the service is not available for the credit barcode presented by the beneficiary (for example, if it is an unregistered credit barcode, a lost credit barcode, or a credit barcode that has been suspended for late payment). When the process proceeds to step S360, the credit bar code presenter is notified that the service is not available. However, when it is determined in step S350 that the service is available for the credit barcode presented by the beneficiary, the handling period client 330 receives the service request amount from the credit barcode recipient in step S370 and then proceeds to step S380. Proceed to determine whether the requested amount is within the credit bar code usage limit. At this time, the handling agency client 330 may proceed to step S380 using the usage limit information of the credit barcode contained in the read credit barcode, or access the issuer system 200 to request the credit barcode used at the present time. You can also proceed to step S380 by requesting the limit information of the use.

If it is determined in step S380 that the service request amount exceeds the credit bar code usage limit, the handling agency client 330 proceeds to step S390 to notify the recipient of the rejection information and terminates the process. Done. However, if the determination result at step S380 the service request amount is within the credit bar code usage limit, the handling agency client 330 proceeds to step S400 is known to those skilled in the art to which the present invention belongs. Follow the procedure to approve credit barcode use. Accordingly, the handling agency client 330 issues a transaction record in which the unique number of the credit barcode and the transaction amount are recorded using a predetermined printing means, and the recipient completes the transaction processing by signing a signature column.

As described above, when the payment is successfully made for a predetermined cost through the use approval step for the credit bar code, the issuer system 200 makes a payment at the present time in the transaction history information storage unit in the first database in step S410. Contains or updates the transaction-related information for the credit barcode made. Then, using the information updated in step S420 to generate a credit barcode again and transmits to the recipient. Then, the credit barcode receiver stores the credit barcode updated in step S430 in the memory 90 of the mobile communication terminal 310 possessed by him using a process provided by the credit barcode processing program according to the present invention. .

Credit barcode distribution method using a mobile communication terminal according to the present invention is not limited to the above-described embodiment can be implemented in various modifications within the scope of the technical idea of the present invention. For example, the barcode generation module and the decoding module in the mobile communication terminal 310 to which the present invention can be applied may be implemented as a hardware module.

And, unlike the above-described embodiment, the issuing authority system 200 delivers only the credit barcode text data to the mobile communication service provider system 320 and directly barcodes the received text data by the mobile communication service provider system 320. The barcode image data may be transmitted to the recipient's mobile communication terminal 310. In this case, the bar coded content may further include a unique number of the mobile communication terminal 310 of the beneficiary, which is recognized by the mobile service provider. It will be easier to identify the cause of the error during the post-settlement process. Furthermore, the credit bar code text data may be transmitted to the beneficiary mobile communication terminal 310 in an encrypted form, and the receiver's mobile communication terminal 310 may generate a credit bar code image.

According to the present invention, since the credit barcode is issued using a mobile communication terminal that is widely spread and always have, there is no time and space restrictions due to issuance, there is no need to bring a separate fluid card, there is a convenience, credit card Can get out of the hassle, such as the handling precautions.

Claims (10)

(a) The credit card type information, the identification information of the credit card selected by the issuing requester, and the credit bar code will be received from the client of the issuing requester connected to the issuing authority system of the credit bar code through the Internet. Receiving telephone number information of a mobile communication terminal; (b) generating a credit barcode by barcodeing the credit barcode text data including the credit card identification information; And (c) transmitting a credit barcode generated to the mobile communication terminal through a mobile communication service provider system using the telephone number information. The method of claim 1, The credit card identification information is a credit barcode distribution method using a mobile communication terminal, characterized in that it comprises a unique serial number and password of the credit card to be issued a credit barcode. The method of claim 1, The credit barcode text data is a credit barcode distribution method using a mobile communication terminal, characterized in that it further comprises a transaction history information of the credit barcode. The method of claim 1, wherein after step (c) proceeds, Storing the issued credit barcode in a memory provided in the recipient's mobile terminal; And And setting a call password used to call the credit bar code stored in the memory with a graphic interface. The method of claim 1, wherein after step (c) proceeds, Storing the issued credit barcode in a memory provided in the recipient's mobile terminal; Displaying the credit barcode stored in the memory in a graphic interface through a display unit provided in the receiver's mobile communication terminal at the request of the receiver; A credit barcode displayed by a graphic interface is read by a barcode scanner provided in the handling agency client to read credit barcode text data; Requesting, by the handling agency client, to authenticate the credit barcode to the issuer system based on the credit barcode text data; And And performing a payment operation by the client of the handling institution when the credit bar code is authenticated, and receiving a service amount from a beneficiary. The credit barcode distribution method of claim 1, further comprising encrypting the credit barcode text data before generating the credit barcode in step (b). According to claim 1, Before proceeding to step (b), And issuing authority system using the credit card identification information to determine whether to issue a credit barcode by interworking with a credit card information inquiry server of a financial settlement agency. A credit barcode distribution method using a mobile communication terminal equipped with a barcode processing program capable of converting credit barcode text data into a credit barcode, (a) The credit card type information, the identification information of the credit card selected by the issuing requester, and the credit bar code will be received from the client of the issuing requester connected to the issuing authority system of the credit bar code through the Internet. Receiving telephone number information of a mobile communication terminal; (b) transmitting credit barcode text data including the credit card identification information to the mobile communication terminal through a mobile service provider system using the telephone number information; And (c) converting the credit barcode text data transmitted to the issuer system by the barcode processing program driven by the mobile communication terminal into a credit barcode, the credit barcode using the mobile communication terminal Distribution method. (a) The credit card type information, the identification information of the credit card selected by the issuing requester, and the credit bar code will be received from the client of the issuing requester connected to the issuing authority system of the credit bar code through the Internet. Receiving telephone number information of a recipient mobile communication terminal; (b) transmitting credit barcode text data including the credit card identification information and telephone number information of the beneficiary mobile communication terminal to a mobile communication service provider system; And (c) generating a credit barcode by barcodeing the credit barcode text data by the mobile communication provider system and transmitting the generated credit barcode to a beneficiary mobile communication terminal using the telephone number information. Credit barcode distribution method using a mobile communication terminal. A computer-readable recording medium recording and programing a credit barcode distribution method using a mobile communication terminal according to any one of claims 1 to 9.