KR100463811B1 - An electronic billing system using blinking signal of display panel of mobile communication terminal and a method thereof - Google Patents

Abstract

PURPOSE: An electronic settlement system and a method using a flickering signal of a display in a portable communication terminal are provided to transmit authentication information by using a flickering signal of a display, so that optical readers can read/process the transmitted authentication information, thereby activating an electronic settlement base. CONSTITUTION: Optical readers(200) transmit optical signals in accordance with a flickering action of a display. A communication network(300) connects at least more than one optical reader(200) with a settlement approve server(400) and a central control server(500). The settlement approve server(400) determines whether a user's settlement is approved, based on information transmitted from the optical readers(200), and processes settlement matters in association with the central control server(500). The central control server(500) relays communication among the settlement approve server(400), portable communication terminals(100), and the optical readers(200), and downloads a settlement program to the communication terminals(100). The communication terminals(100) display settlement-related messages.

Description

Electronic payment system and method using flashing signal of display part of portable communication terminal {AN ELECTRONIC BILLING SYSTEM USING BLINKING SIGNAL OF DISPLAY PANEL OF MOBILE COMMUNICATION TERMINAL AND A METHOD THEREOF}

The present invention relates to an electronic payment system and method using a portable communication terminal (e.g., mobile phone, cellular phone, PDA, PCS, CDMA-2000, IMT-2000, etc.), in particular using the display unit blinking signal of the portable communication terminal The present invention relates to an electronic payment system and a method using a flashing signal of a display unit of a portable communication terminal that allows electronic payment to be made easily by transmitting authentication information. This is becoming diversified. Among them, Korean Patent Laid-Open Publication No. 2003-0012910 discloses an electronic payment method using a mobile phone, which means that a conventional credit card transaction approval method must be equipped with a credit card transaction approval inquiry machine at a merchant, and is connected to a telephone network by wire. It is conceived that there is a problem in that the payment of the credit card transaction approval inquiry is required because the credit card can be settled only, and there is an additional cost due to the wired installation. As a means for mounting a card reader in the mobile phone or characterized in that using an infrared port. However, the above method is not only a confirmation of the approval of the conventional credit card payment wirelessly using a mobile phone, but also a device for generating an infrared ray in the case of mounting a card reader on a mobile phone or a mobile phone equipped with an infrared port. I need a separate communication port.

In addition, Korean Patent Laid-Open Publication No. 2001-007921 and Korean Patent Laid-Open Publication No. 2003-0028944 disclose a method of paying a price by inputting a barcode into a mobile phone and reading a barcode on the mobile phone using a barcode reader.

However, the prior art as described above requires an expensive additional device such as a barcode reader, which not only increases infrastructure construction costs but also causes security problems such as being easily duplicated or stolen by a malicious person. Done.

As another example, a mobile phone payment method using an RF signal has recently been proposed, but it also has the disadvantage of using a special communication portable terminal designed to accommodate or accommodate an additional device capable of recognizing an RF signal. As described above, the conventional electronic payment methods are required to construct a payment system due to the high price of equipment necessary for payment, that is, a reader for recognizing a signal transmitted from an RF chip, an infrared module, or a barcode display in a portable communication terminal. In addition, in the method of using RF or infrared rays, the user who uses the electronic payment methods must purchase a special portable communication terminal such that the infrastructure construction cost required for the electronic payment method becomes considerably high. It is the utilization that is extremely low It is not the reality.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, an object of the present invention, the display unit flashing signal of the portable communication terminal (hereinafter referred to as "display unit flashing signal" is the display unit flashing, backlight flashing and By sending the authentication information using a simple optical reader to read and process the authentication information using the display unit's periodic change of the color of the display unit). By activating the base and using the means to apply the basic functions of the conventional portable communication terminal, it is possible to purchase a new special portable communication terminal with built-in RF or infrared communication function, or to purchase an RF chip or infrared Eliminate the inconvenience of installing additional modules It is intended to provide an electronic payment system and method that can reduce costs and increase convenience for users who use the system. According to the present invention, when a user wishes to perform an electronic payment using a portable communication terminal, that is, when a payment program is started, a password registered in both the operator's server and the portable communication terminal is inputted by a third party such as the loss of the portable communication terminal. By providing a primary security function that prevents payment from being carried out at the same time, and by providing an encryption method for automatically updating the pattern of the blinking signal at a specific period when transmitting information using the blinking signal on the display of the portable communication terminal. The pattern of the blinking signal of the specific portable communication terminal It provides a secondary security function that prevents hacking by an encryption system that automatically updates even if it is stolen or stolen.In the case where authentication information passes through a public communication network such as wired or wireless Internet, re-encrypted code is used between the reader and the server. By adding a third security function to provide a secured and reliable electronic payment system and method.

1 and 2 is a configuration diagram of the electronic payment system using the flashing display unit of the portable communication terminal according to the present invention

Figure 3 is a detailed view of the portable communication terminal and the optical reader according to the present invention

4 is a conceptual diagram of information transmission by blinking a display unit according to the present invention.

5 is a flowchart illustrating a user registration process according to the present invention.

6 is a flowchart illustrating a payment program download process according to the present invention.

7 is a flowchart illustrating a password change process according to the present invention.

8 is a flowchart illustrating a process of changing a payment limit amount according to the present invention.

9 is a flowchart illustrating a process of transmitting authentication information according to the present invention.

10 is a flowchart illustrating an information processing process of the optical reader according to the present invention.

11 is a flowchart illustrating a payment approval process according to the present invention.

* Description of the symbols for the main parts of the drawings *

100: portable communication terminal 110: control unit of the portable communication terminal

120: communication unit of the portable communication terminal 130: memory unit of the portable communication terminal

140: display unit 200; Optical reader

210: light receiving sensor 220: control unit of the optical thrower

230: display unit of the optical reader 240: communication unit of the optical reader

300: public or private network 400: payment approval server

500: central control server 600: personal computer

700: internal network

Hereinafter, preferred embodiments of the present invention according to the technical spirit as described above will be described in detail with reference to the accompanying drawings.

Figure 1 shows an embodiment of the electronic payment system configuration using the display unit blinking signal of the portable communication terminal according to the present invention.

Here, the reference numeral 100 performs a normal wireless communication function, and transmits the authentication information by flashing the display unit by the payment program downloaded from the central control server 500, if necessary from the central control server 500 A portable communication terminal that receives a sent message.

Reference numeral 200 detects a change in the optical signal according to the flashing of the display unit of the portable communication terminal 100 receives authentication information therefrom, decrypts the encrypted authentication information, and decrypts the decrypted information in public or private communication network 300 The optical reader to transmit to the payment approval server 400 through. The optical reader may be connected to an external device to be controlled by the optical reader such as a game machine or a vending machine. In addition, only one optical reader may be installed in one store, or several places may be simultaneously installed in one store and connected to a communication network in a place such as a game room.

Reference numeral 300 denotes a public communication network such as a wired / wireless Internet, an ISDN, or a private communication network such as a VSP, and in some cases, a public or private communication network in which the public communication network and the private communication network are connected.

Reference numeral 400 is a payment approval server that determines whether to approve payment for the user based on the information transmitted from the optical reader 200, and controls the overall electronic payment, such as transmitting the payment history to the central control server. Here, the payment approval server may be installed at any place such as a financial institution, a credit card company, a general company, an individual operator or a telecommunication company, and may also be used in various ways in the name, such as an operator server and a payment operator server.

Reference numeral 500 is a central control server installed in the mobile communication company to mediate the communication necessary to implement the present invention, receives the payment history from the payment approval server serves to include the payment price in the telephone bill. 2 is a configuration diagram showing an example of a system in which a personal computer is interposed between the optical reader and the public or private communication network in the system of FIG.

Here, the reference numeral 600 is a personal computer that receives the authentication information from the optical reader 200 and transmits to the payment approval server 400 or sends the information received from the payment approval server 400 to the optical reader 200 or An interface device for communication network linkage (hereinafter referred to as "personal computer"). The personal computer 600 also receives the authentication information from the optical reader in some cases, and firstly approves the payment, and subsequently transmits the authentication information to the payment approval server 400 to formally approve payment. After confirming that the approval result from the payment approval server 400 "approved" will be charged, and if "disapproved" serves to cancel the first payment.

Reference numeral 700 denotes a private communication network using IEEE-485, a wireless modem, a power line modem, etc. as an internal network connecting the optical reader 200 and the personal computer 600. The following is a display unit of the portable terminal. The technique of transmitting through blinking will be described in more detail.

Figure 3 shows a detailed view of the portable communication terminal and the optical reader according to the present invention. Here, reference numeral 100 denotes a portable communication terminal for transmitting authentication information as mentioned above, and reference numeral 200 denotes an optical reader for receiving authentication information by recognizing a change in an optical signal caused by a flickering display of the portable communication terminal. .

And again, the portable communication terminal 100 is provided with a control unit 110 for processing the authentication information required for payment when there is an external command while performing the basic functions of the terminal, and a wired and wireless communication function in charge of the unique communication function of the terminal. While displaying a communication unit 120, a memory unit 130 for controlling a function unique to the terminal, a memory unit 130 storing payment information and information necessary for authentication, and displaying normal text information or image information. In electronic payment, the display unit 140 transmits information by blinking according to a command of the controller.

As mentioned above, the present invention transmits the authentication information by using the flashing of the display unit 140 of the portable communication terminal. This function can be simply performed by the payment program. That is, conventionally, RF signals, infrared signals, barcodes, and the like are used as a method for transmitting authentication information. In the present invention, information is displayed by shortening or lengthening the blinking period, the color change period, or the blinking period of the backlight. In other words, when the information to be transmitted is represented in binary, as shown in FIG. 4, when the "0" of the binary number is to be displayed, the flashing period of the display unit is shortened ("A" portion), and "1". Is displayed, the information can be transmitted by lengthening the blinking period (part "B"). Of course, if necessary, the opposite is also possible.

On the other hand, the optical reader 200 of the present invention decrypts the encrypted information received from the light receiving sensor 210, the light receiving sensor for detecting a change in the optical signal according to the flashing of the display unit of the portable communication terminal 100, and error The control unit 220 corrects and outputs the encrypted data again, the display unit 230 for generating an alarm when the control unit turns out to be an error that cannot be recovered as a result of error correction, and the result output from the control unit to a personal computer or the public or It consists of a communication unit 240 for transmitting to the payment approval server 400 through a private communication network. Next, a method of operating an electronic payment system according to the present invention will be described.

5 is a flowchart illustrating a user registration step as a previous step for using the electronic payment method according to the present invention. The user registration can be registered online by connecting to an operator server (here, the payment approval server) through the wireless Internet on the portable communication terminal 100 as well as offline registration in writing and online registration using the Internet.

If the user wants to register, first, in order to confirm whether the user of the portable communication terminal is the user, it is required to input a social security number and a telephone number and a password required for authentication when using a later payment program (S110). When the input is completed, the input information is transmitted to the payment approval server 400 through the central control server 500 (S120). Then, the payment approval server 400 performs a verification operation for user authentication based on the transmitted information (S130), and if the verification result is successfully authenticated (S140) after storing the authentication information, the authentication is completed by the user's communication terminal Send a message, and allows the user to use the payment-related menu (S150). However, if the authentication is not successfully completed, the authentication error message is transmitted to the user communication terminal (S160), and requires to enter the social security number and password again (S120). Nevertheless, if authentication is not performed for a predetermined number of times, it is determined that authentication is impossible and the use of payment related menu is prohibited (S160).

On the other hand, while the above described only the step of registering online using a portable communication terminal, the procedure of online registration using the Internet can be done through a similar process as above, and the user can also complete the offline process by filling out and submitting documents. When the user authentication is successfully completed through the registration step, the user must first download the payment program from the central control server 500 to perform the electronic payment. The payment program may be uploaded in advance at the stage of manufacturing a portable communication terminal. Here, the method of downloading online will be described with reference to FIG. 6.

In order to download the payment program online, the user first connects to the payment approval server and the portable communication terminal 100 through the wireless Internet, goes through the user authentication procedure, and starts using the service. In the menu screen on the portable communication terminal 100, Download payment program ”(S210). Then, the server sends the payment program stored in it to the portable communication terminal 100 (S230). When the download is completed, the portable communication terminal 100 ends the program or returns to the menu screen again.

The above program download process can be executed arbitrarily when the user registers for the first time or when the program is newly updated.In addition to the above method, the personal computer in which the user operates a portable communication terminal by the electronic payment service provider is also available for download. You can also use a communication interface, such as USB, RS-232, or IEEE-485, and download the program directly from your personal computer. At this time, the personal computer stores all the information necessary for user authentication and a payment program for the portable communication terminal. The user can change the password required for user authentication or payment approval at any time. 7 is a flowchart illustrating a process of changing a password by a user. When a user wants to change the password, the portable communication terminal 100 is first connected to the payment approval server through the wireless Internet as described in the payment method download method. After the user authentication process and the use of the service is started, select "Change Password" on the menu screen on the portable communication terminal 100 (S310). Then, the portable communication terminal 100 requests the input of a new password (S320), and again requires the input of the password for confirmation (S330). When the input of the password is completed, the portable communication terminal 100 requests the change by transmitting the new password to the payment approval server 400 (S340), and the server changes the password and notifies the change confirmation (S350). The portable communication terminal 100 receiving the change confirmation notification updates the existing password stored in its memory 130 (S360). In FIG. 8, a flowchart illustrating a process of changing a payment amount limit by the user is shown. will be. As described above, the user can set and change the payment amount limit that can be used at any time. If a user wants to change the password, the user first connects the payment approval server and the portable communication terminal 100 through the wireless Internet, and then authenticates the user. When the use of the service is started after the procedure, the user selects "change the payment amount limit" on the menu screen on the portable communication terminal 100 (S410). Then, the portable communication terminal 100 requests the input of the new limit amount of money (S420), and once again to input the limit amount of money for confirmation (S430). When the input of the limit amount is completed, the portable communication terminal 100 requests the change by transmitting the new payment amount limit to the payment approval server 400 (S440), and the server changes the limit amount with reference to the credit status of the user. After checking whether this is possible, a notification of change approval is made to the portable communication terminal 100 (S450). Then, the user can make electronic payment using the portable communication terminal 100 within the changed limit amount thereafter.

On the other hand, the above described the process of changing the password, payment amount limit, etc. online using a portable communication terminal, this can also be done by using an offline method in writing and an online method through the Internet as in the user registration Hereinafter, an electronic payment method using the electronic payment system according to the present invention will be described.

9 illustrates a process in which a user transmits authentication information to be approved for payment using a portable communication terminal. As shown in FIG. 9, when a user intends to pay using a portable communication terminal to purchase an object or use an externally connected device such as a game machine or a vending machine, first, a payment program mounted on the portable communication terminal Command to start (S510). The payment start command may be commanded by selecting a menu program embedded in the communication terminal, or may be commanded from the outside using a keypad or a shortcut key.

When the payment program start command is input, the portable communication terminal 100 requires the user to enter a password. Then, the user inputs a password using a keypad of the communication terminal or using a touch screen or a touch pen (S520). This is a means to prevent the third party from using the payment program itself even if the user loses the communication terminal.

When the password recorded in the memory 130 and the password input by the user match (S540), the control unit 110 of the communication terminal processes the authentication information to be transmitted to the payment approval server 400 through the optical reader 200 ( S550). The processing of the authentication information may be a variety of methods depending on the designation in the payment program, but in one embodiment of the present invention, a combination of a telephone number or a terminal unique number (hereinafter referred to as "terminal number"), password and encryption pattern code Use the method. In this case, the terminal number may be composed of a country code, a business number, a terminal number, and the like, which may be used as the information of the firmware of the communication terminal, or may be recorded in the memory of the terminal when the payment program is loaded. .

Meanwhile, in the present invention, in order to prevent accidents caused by copying and stealing the transmitted information or the display blinking pattern, various encryption patterns are determined in advance, and information processing forms are changed according to the pattern forms. Is determined using the current time, password, and terminal number. In addition, the information processing step includes binarizing the processed information so that the processed information is easily transmitted by blinking the display unit of the portable communication terminal. When the transmission information processing is completed in the step, the control unit 110 binarizes the transmission information. In operation S560, the display unit blinks to transmit the information. As described above, the display flickering uses a method of shortening the flashing cycle when the data is “0” (longer) and length of the flashing cycle when the data is “1” (shorter). It is desirable to transmit several times in succession in preparation for.

In this case, information such as payment amount or merchant code may be stored in a payment approval server, for example, when a fixed amount is settled every time and the merchant is also specified, and the amount is variable or the merchant also has an unspecified number. Before the payment is started, it can be input in advance through a predetermined terminal, and the information about the payment amount is transmitted to the payment approval server through a reader or a personal computer. FIG. 10 illustrates a process of receiving and processing information in the optical reader. It is shown.

When the display unit of the portable communication terminal blinks for information transmission, the light receiving sensor 210 built in the optical reader 200 detects a change in the optical signal, receives authentication information, and receives the received information from the control unit of the optical reader. In step 220). Then, the controller determines whether an error is included in the received authentication information (S620), and if an error occurs, checks whether the error is within a correctable range (S640). If the error is correctable, the error is corrected using an error correction method (S650). Here, the error correction method may be applied Hamming code.

In some cases, however, the degree of error is so great that the error cannot be corrected. In this case, the above information receiving process is repeated using the next data stream that has been repeatedly transmitted from the portable communication terminal. However, when it is possible to obtain authentication information that does not include an error even after receiving a predetermined number of repetitive information, it is determined that it is impossible to receive authentication information (S660), and an alarm is displayed through an LED or a buzzer provided in the optical reader 200. (S670).

The next step is to decrypt the encrypted information when the received authentication information does not include an error or when the error correction step is completed (S680). Decryption first checks the encryption pattern code from the received information and then decrypts the information according to the pattern. In order to prevent hacking on the public or private communication network, the authentication information is encrypted again according to the new encryption pattern, and then transmitted to the payment approval server 400. In this step, information such as payment amount and merchant code is required. It is added (S690). In this case, the transmission to the payment approval server may be directly transmitted by the optical reader 200 through the public or private communication network 300 as shown in FIG. 1, or may be transmitted through the personal computer 600 as shown in FIG. 2. The following describes the payment approval process in the payment approval server with reference to FIG.

The payment approval server 400 receives the authentication information transmitted through the central control server 500 and decrypts the information according to a predetermined encryption pattern (S710). And it is determined whether the payment approval required by the user with the decrypted result (S720). Determination of approval is performed by extracting a phone number and password from the received authentication information, and comparing this with the authentication information entered in the user registration step and stored in the server to confirm whether there is a match. Of course, in this step, it is possible to determine whether the payment is approved by referring to the user's usage or bad credit.

If there is no abnormality as a result of the above determination, the payment approval server 400 approves the user's payment (S730), and if an abnormality occurs, transmits a disapproval message to the reader (S740). Make it rough.

At this time, if the payment approval server 400 receives information that cannot be authenticated continuously for a predetermined number of times, such as a password mismatch, from the same user, payment is not made to the terminal any more than by a request of an intact user. Take action. This is a means for preventing abnormal payment requests such as loss or hacking of the terminal.

On the other hand, if the approval is determined, the payment approval server 400 notifies the optical reader 200 that the payment has been approved (S750), the optical reader 200 receiving the approval notice, for example, to start the game or Execute the following action to either run the vending machine or issue a receipt. At this time, the payment approval server 400 may notify not only the optical reader 200 but also the user's communication terminal 100 using SMS, etc., to notify the approval result.

Finally, the payment approval server 400 notifies the central control server 500 of the approval result so that the central control server can include the payment price in the telephone bill and make a request (S760).

In this case, the method of claiming the bill is included in the telephone bill as in the above case, and the method in which the user deposits or accumulates a predetermined amount in advance and exhausts the amount paid each time within the limit of his / her reserve. In this case, the payment approval server 400 may transmit the payment details to the central control server 500, but may be exhausted while the payment approval server 400 manages the user's reserve without transmitting the payment. will be.

Although only one embodiment of the present invention has been shown above, more various changes related to the present invention can be readily implemented by those skilled in the art without departing from the scope and spirit of the present invention.

As described above, the present invention activates the basis of electronic payment using a portable communication terminal by reducing the cost of building a market infrastructure for the reader, and is inconvenient in message transmission and communication as well as RF or RF as in the related art. Increasing the convenience of use, such as the purchase of a new special portable communication terminal capable of infrared warfare communication or the cost increase and inconvenience inherent in embedding an RF chip or an infrared module in a normal portable communication terminal, When the payment program is started, a password registered in both the operator's server and the portable communication terminal is entered to provide a primary security function that prevents payment by a third party, such as loss of the portable communication terminal. By using blinking signal of display part of communication terminal By sending an encryption method that automatically updates the pattern of the blinking signal at a specific period when sending a beam, even if a third party mimics or steals the pattern of the blinking signal of a specific portable communication terminal, the hacking is blocked by the encryption scheme that automatically updates. Security function, and in case of authentication information via public telecommunication network such as wired / wireless internet, it provides third security function that uses re-encrypted code between reader and server to build stability and reliability of electronic payment. Provide effect.

In addition, the present invention provides an optical reader based on serial communication while providing compatibility that can be directly applied to a personal computer and a network environment, thereby allowing the management system to authenticate complex coupons and ticket services, as well as credit for spot commerce. Card and debit card services, ATM card withdrawal services, prepaid card services including Internet commerce and e-money and Internet payphones, point accumulation and mileage management And it provides an effect that the service of the customer can manage the bonus card function through a single mobile communication terminal.

Claims (24)

In a system for electronic payment by flashing the display unit of a portable communication terminal displaying normal text or image information: A light receiving sensor 210 that detects a change in an optical signal according to a flickering of a display unit of the portable communication terminal, and corrects an error of information transmitted from the light receiving sensor 210 and decrypts the information according to a predetermined encryption pattern code The control unit 220 re-encrypts and transmits the information to the payment approval server 400, the display unit 230 which generates an alarm when it is found to be an unrecoverable error as a result of error correction of the control unit, and USB, RS. An optical reader 200 which transmits an optical signal according to blinking of a display unit by using a communication unit 240 communicating through at least one of -232, IEEE-485, or Ethernet; A communication network 300 connecting the at least one optical reader 200 with a payment approval server 400 and a central control server 500; A payment approval server 400 which determines whether the payment is approved by the user based on the information transmitted from the optical reader 200 and processes the payment business in connection with the central control server 500; A central control server 500 which mediates the communication between the payment approval server 400 and the portable communication terminal and the optical reader, and downloads the payment program to the portable communication terminal if necessary while storing the payment program; And And a portable communication terminal (100) displaying a payment related message transmitted from the central control server (500). The electronic payment system using the flashing signal of the display unit of the portable communication terminal, characterized in that consisting of. According to claim 1, wherein the at least one optical reader 200 is connected to the internal communication network 700, the internal communication network 700 is a payment approval server 400 and the central control server (by a personal computer 600) Electronic payment system using a flashing signal of the display unit of the portable communication terminal, characterized in that connected to the communication network 300 to connect. The method of claim 1, wherein the portable communication terminal 100 A control unit 110 for controlling the payment program, processing the authentication information, and controlling the blinking of the display unit for information transmission; Communication unit 120 in charge of the normal communication function; A memory unit 130 storing the payment program and authentication information; When it is necessary to transmit authentication information while displaying normal text or image information, the display unit 140 blinks according to the command of the controller; Electronic payment system using the display unit blinking signal of the portable communication terminal, characterized in that consisting of . delete According to claim 1 or 2, wherein the optical reader is connected to a predetermined external device for starting the operation according to the command output from the optical reader using a display unit flashing signal of the portable communication terminal Electronic payment system. The electronic payment system of claim 5, wherein the predetermined external device is a game machine or a vending machine. delete In the electronic payment method using an electronic payment system consisting of a portable communication terminal, an optical reader, a payment approval server, a central control server: Registering the authentication information with the payment approval server by the user; Starting a payment program for electronic payment; Inputting a password for approving the payment; Processing the authentication information to be transmitted by the portable communication terminal; Transmitting, by the portable communication terminal, the authentication information by blinking the display unit; Receiving an authentication information by an optical reader detecting a change in an optical signal according to a blinking of a display unit; Checking and correcting an error of the received authentication information by the optical reader; An optical reader decrypting the encrypted authentication information and transmitting the authentication information to a payment approval server; Determining, by the payment approval server, whether the payment is approved based on the received authentication information; And The payment approval server transmits the payment approval result to at least one of an optical reader, a portable communication terminal, or a central control server. Electronic payment method using a flashing signal of the display unit of the portable communication terminal, characterized in that consisting of. delete delete delete The display unit of claim 8, wherein the start command of the payment program start step is inputted by any one of a menu function, a touch screen, a touch fan, and a keypad provided by the portable communication terminal. Electronic payment method using a signal. The method of claim 8, wherein the processing of the authentication information by the portable communication terminal comprises at least one of a telephone number, a password, and an encryption pattern code. Way. The electronic payment method of claim 13, wherein the encryption pattern code refers to at least one of a use time, a password, and a phone number. delete delete delete delete delete 9. The display unit of claim 8, wherein the checking and correcting of the error by the optical reader causes an alarm to be generated through the display unit of the optical reader when error correction is impossible even after a predetermined repetition. Electronic payment method using a signal. The method of claim 8, wherein the payment approval server determines whether the payment is approved, the display unit flashing signal of the portable communication terminal, characterized in that at least one or more items of the phone number, password, usage, credit failure is confirmed; Electronic payment method using. 10. The method of claim 8, wherein the central control server receiving the payment approval result from the payment approval server uses the display unit blinking signal of the portable communication terminal, characterized in that the charge is included in the telephone fee of the portable communication terminal. Electronic payment method. The display unit of claim 8, wherein the central control server receiving the payment approval result from the payment approval server exhausts the payment value from the reserves previously accumulated by the user of the portable communication terminal. Electronic payment method using. The method of claim 8, wherein the determining whether the payment is approved by the payment approval server based on the received authentication information further includes exhausting the payment amount from a reserve previously accumulated by the user of the portable communication terminal when the determination result is approved. An electronic payment method using a flashing signal of a display unit of a portable communication terminal, characterized in that the execution.