KR20020065746A - System for credit transaction using bar-code - Google Patents

Abstract

PURPOSE: A credit transaction system is provided to register at a portable terminal a bar code with conventional credit card data and a secret number, and to display the bar code on the portable terminal according to a request of a user when the user wants to purchase a commodity or a service. CONSTITUTION: The system comprises a portable terminal and a financial institute. The portable terminal includes a data input unit(201), a bar code storage(202), a secret number storage(203), a display(204), a cable connector(205) and a CPU(206). The data input module(201) enables a user to input a secret number, a bank name and an account number. The bar code storage(202) stores a bar code issued for the user. The secret number storage(203) stores secret numbers corresponding to bar codes. The display(204) displays the bar code according to a request of the user. The cable connector(205) connects the portable terminal to a server of a bank for downloading a new bar code. The CPU(206) controls the bar code storage operation of the bar code storage(202), analyzes the input data, i.e. a bank name and a secret number, extracts the bar code from the bar code storage(202) based on the analysis result, and controls the display of the extracted bar code. If a user wants to receive a new bar code from a bank, the user visits the bank, fills in an application form, and offers a portable terminal to the bank. Then the bank checks a credit state of the user and determines an issue of the bar code according to the credit state. If the credit state of the user is normal, the bank downloads the bar code to the portable terminal via the cable connector(205).

Description

System for credit transaction using bar-code}

The present invention relates to a credit transaction system using a bar code, and more particularly, to register a card information and a password recorded on the magnetic film of the existing credit card to the mobile communication terminal in the form of a barcode, the mobile communication terminal at the request of the user The present invention relates to a credit transaction system using a bar code to display a bar code on a bar code so as to read the bar code, thereby performing a credit transaction using a mobile communication terminal without a separate credit card.

At present, credit transactions by credit card account for a large portion of the financial market. As a result, each individual is issued and used at least one credit card. Credit transactions by credit cards have the effect of preventing the inconvenience of the user to carry cash and the risk of loss and theft that may occur when carrying cash. However, if the credit card is used for criminal activity, the ripple effect is greater than that of cash. Therefore, a problem that must be properly managed without losing a credit card is emerging as a new issue for the user.

As credit transactions by credit cards expand day by day, the number of credit cards that each user must manage becomes larger, which means that each credit provides the means of expressing social success and convenience of credit transactions. The management of the card and the measures for preventing the loss cause more complicated problems.

Accordingly, an object of the present invention is to solve such problem (s), and an object of the present invention is to form a bar code of information on a plurality of credit cards and to register the information in a mobile communication terminal. It is to provide a credit transaction system using a bar code to perform functions simultaneously.

1 is an overall configuration diagram of a credit transaction system using a barcode according to the present invention,

2 is a schematic internal block diagram of the mobile communication terminal shown in FIG.

3 is an operation flowchart showing a bar code display process of the mobile communication terminal shown in FIG.

4A to 4E are display state diagrams of the mobile communication terminal according to the execution process of FIG.

5 is an operation flowchart illustrating a process of approving a credit transaction using a credit transaction approval device.

<Description of the code | symbol about the principal part of drawing>

100: financial institution 200: mobile communication terminal

201: input unit 202: barcode storage unit

203: Password storage unit 204: Display unit

205: cable connection 206: central processing unit

300: communication network 400: credit transaction approval device

500: barcode reader

A feature of the present invention for achieving such an object (s) is to determine the user's creditworthiness to determine whether a credit card has been issued, to generate a barcode containing the information of the issued credit card, and to approve a credit transaction. A financial institution that determines a credit transaction and generates an approval result and an approval number; A mobile communication terminal for downloading and storing a barcode generated by a financial institution and displaying the stored barcode according to a user's request; It includes a bar code reader for reading the bar code displayed on the mobile communication terminal, and transmits the credit card information read from the bar code to the financial institution through the communication network, and receives the approval result and approval number sent from the financial institution to respond to the credit transaction It includes a credit approval device that generates a receipt.

Here, it is preferable that a barcode is a dual barcode which has a two-dimensional form.

In addition, the portable communication terminal includes a cable connection unit connected to the financial institution so as to download a barcode from the financial institution; A bar code storage unit for storing a bar code received through the cable connection unit; An input unit including various function keys for allowing a user to select a barcode display function and a password input function; A display unit for displaying a barcode; The center of controlling the storage of the barcode received through the cable connection unit in the barcode storage unit and at the same time analyzing the input information input through the input unit to detect the barcode from the barcode storage unit and controlling the display of the detected barcode on the display unit. It is preferable to include a processing apparatus.

In this case, the input information preferably includes a bank and credit card type selection information.

In addition, the input information further includes password information; The portable communication terminal further includes a password storage unit defined by a user and having a password, which has a one-to-one correspondence with at least one barcode stored in the barcode storage unit; The central processing unit displays the bar code on the display only when the password stored in the password storage unit corresponds to the barcode information input through the input unit and the barcode detected according to the transaction bank and credit card type inputted by the input unit. It is preferable.

In addition, the financial server transmits the barcode in the form of a text message; The mobile communication terminal may download and store a bar code in the form of a text message transmitted from a financial server.

Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram of a credit transaction system using a barcode according to the present invention, FIG. 2 is a schematic internal block diagram of the mobile communication terminal shown in FIG. 1, and FIG. 3 is shown in FIG. 2. An operation flow chart showing a bar code display process of the portable communication terminal is shown, Figures 4a to 4e is a display state diagram of the mobile communication terminal according to the process of Figure 3, Figure 5 using a credit approval device To show the process of approving credit transactions.

The configuration of the present invention with reference to FIGS. 1 and 2 is as follows.

The financial institution 100 downloads a barcode indicating information on various card information (for example, card number, expiration date and password) of the credit card registered by the user to the mobile communication terminal 200. Here, the mobile communication terminal 200 is provided with a cable connection terminal, when a user visits a financial institution (for example, a bank, KFTC, etc.) to apply for a credit card issuance, the financial institution 100 of the user Credit is assessed to determine if you are eligible to receive a credit card. Accordingly, if it is determined that the user is entitled to issue a credit card, the financial institution 100 connects the cable connection terminal of the mobile communication terminal 200 presented by the user to a server (or a personal computer). Downloads a barcode for the credit card to be issued to the mobile communication terminal (200). Meanwhile, the financial institution 100 may transmit the barcode to the portable communication terminal 200 in the form of a text message, and the portable communication terminal 200 may store the barcode in the form of a text message. In this case, the financial institution 100 preferably transmits a barcode to the mobile communication terminal 200 by using a short message service (SMS).

In addition, the financial institution 100 is requested to approve a credit transaction using a barcode from a credit transaction approval device (for example, a card reader, an automatic cash dispenser, etc.) 400 connected through the communication network 300, the corresponding barcode Approves the availability of and the availability of credit transactions, and grants the credit transaction approval device 400 through the communication network 300 generated credit approval number generated according to the approved result.

Credit transaction approval device 400 is a bar code reader 500 for reading a bar code displayed on the mobile communication terminal 200 is installed separately or built-in, the user uses a bar code displayed on the mobile communication terminal 200 for a credit transaction If a request is made, the barcode is read through the barcode reader 500, the read card information is transmitted to the financial institution 100 through the communication network 300, and a credit transaction approval is requested, which is downloaded from the financial institution 100. Issue a receipt using the credit authorization number. In addition, the credit transaction approval device 400 includes an input device for inputting a variety of transaction information (eg, amount information, etc.) generated in the credit transaction.

The mobile communication terminal 200 stores the barcode downloaded from the financial institution 100, requests the input of the password as the user requests the display of the barcode, and if the password input by the user is the same as the registered password, the user The barcode of the credit card requested by the user is displayed. In this case, the mobile communication terminal 200 may store a plurality of barcodes corresponding to a plurality of credit cards issued from a plurality of financial institutions 100, the user selects the barcode by searching the trading bank, account number in order. It is desirable to. In addition, the mobile communication terminal 200 preferably stores one-to-one corresponding passwords for a plurality of barcodes stored in correspondence with a plurality of credit cards, and a user inputs a password corresponding to a corresponding bank and account number selected by the user. It is desirable to control the display of the corresponding barcode only when one password matches.

Meanwhile, referring to FIG. 2, a schematic configuration of the mobile communication terminal 200 will be described. In addition to the various functions related to the conventional mobile communication, the user may input a password or select a bank and account number. An input unit 201, a barcode storage unit 202 for storing barcodes issued by the user, a password storage unit 203 for storing one-to-one passwords corresponding to a plurality of barcodes stored in the barcode storage unit 202, A display unit 204 for displaying a barcode requested by the user, a cable connection unit 205 for connecting a cable connecting the server of the financial institution 100 and the mobile communication terminal 200 to download a new barcode, and a cable connection unit ( Controlling the storage of the barcode information received through the 205 in the barcode storage unit 202 and at the same time the information input through the input unit 201 (bank bank and credit card types) Analyzing select information, password information, etc.) and includes a central processing unit (206) for controlling to detect the bar code from the bar code storage unit 202 and displays the detected bar code on the display unit 204. The

Here, the bar code should include all the card information (card number, expiration date, password, etc.) of the credit card, it is preferable to have a two-dimensional double bar code form to efficiently include all the card information within a certain display area Do.

Referring to Figures 3 to 5 with respect to the operation of the present invention having such a configuration as follows.

First, when the user is issued a new credit card barcode from the financial institution 100, the user visits the financial institution 100 to create an application form for issuing a new credit card barcode, the mobile communication terminal 200 ) Is presented to the financial institution 100, the financial institution 100 analyzes the credit status of the user who applied for the issuance of a new barcode for the credit card to determine whether to issue the barcode for the credit card. Here, if it is determined that the user is entitled to issue a barcode for a credit card, the financial institution 100 may use a barcode including card information such as a card number of the credit card to be issued to the user, and expiration date and password. Download to the mobile communication terminal 200.

Accordingly, the barcode downloaded from the financial institution 100 is transmitted to the central processing unit 206 through the cable connection unit 205, and the central processing unit 206 stores the barcode in the barcode storage unit 202. At this time, when the central processing unit 206 stores the new bar code in the bar code storage unit 202, each bar code is divided into the name of the bank and the card number or type of card (VISA, MASTER, YES MONEY, etc.) Preferably, at least one or more barcodes may be stored in the mobile communication terminal 200, and the user may selectively display at least one stored barcode.

Meanwhile, referring to FIG. 3, when a user requests a credit transaction using a barcode stored in the mobile communication terminal 200, the user selects a barcode display function key among various possible keys of the input unit 201. In operation S101, the central processing unit 206 of the mobile communication terminal 200 displays a transaction bank registered by the user through the display unit 204 (see FIG. 4A). When the bank is selected (S103), the central processing unit 206 displays the identifier (card type or card number, etc.) of the credit card issued by the user from the corresponding bank through the display unit 204 (see FIG. 4B). (S104).

Then, when the user selects the identifier of the credit card displayed on the display unit 204 (S105), the central processing unit 206 requests to input the password of the credit card selected by the user (see Fig. 4C) (S106), When the user inputs a password using various function keys of the input unit 201 (S107), the central processing unit 206 corresponds to the identifier of the corresponding credit card selected by the user among various passwords stored in the password storage unit 203. The password is detected (S108), and it is determined whether the detected password matches the password input by the user (S109). Here, if the detected password and the input password are different, the central processing unit 206 displays a password input error (see FIG. 4D) (S110), and ends the barcode display process.

If the detected password matches the input password, the CPU 206 detects a barcode corresponding to the password of the corresponding credit card selected by the user among various barcodes stored in the barcode storage unit 202 and displays the display unit 204. (See Fig. 4E) (S111).

Here, the barcode registered in the mobile communication terminal 200 may include a debit card or a cache card used by the user in addition to a credit card, and the user may use a debit card or a cache displayed on the mobile communication terminal 200. Cash cards can be used to withdraw cash from cash dispensers.

Next, referring to FIG. 5, when the user presents a mobile communication terminal 200 displaying a bar code for a credit transaction to a seller, the credit approval device 400 may include a barcode reader ( The barcode displayed on the mobile communication terminal 200 is read through 500 (S201). Accordingly, the credit transaction approval device 400 detects the credit card information (card number and effective date and password) included in the bar code (S202), and the financial institution through the communication network 300 as the seller inputs the transaction amount. In step S203, the credit card information and the transaction amount information input by the seller are transmitted to request the credit transaction approval (S204).

The financial institution 100 analyzes the credit card information transmitted from the credit approval device 400 to determine whether the credit transaction is approved, and indicates that the credit transaction is approved through the communication network 300 if the credit transaction is a normal transaction. The notification signal and the credit transaction approval number are transmitted to the credit transaction approval apparatus 400 (S205). Accordingly, the credit approval device 400 is a credit item approval number and the expiration date detected through a barcode and credit period transmitted from the financial institution 100, the transaction approval date, the transaction amount input by the seller, etc. This printed receipt is output (S206), and the user signs a signature column of the printed receipt, so that a credit transaction occurs. Accordingly, the present invention allows a user to register a barcode including the information of the credit card in the mobile communication terminal 200 without having to carry several credit cards, thereby performing credit transactions using the barcode whenever necessary. There is no need to manage the card, and the risk of loss is eliminated.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined by the claims below and equivalents thereof.

As a result, according to the credit transaction system using a barcode according to the present invention the following advantage (s) occurs.

That is, by defining the information on the credit card issued by the user with a barcode and registering it in the mobile communication terminal, the user does not need to carry or manage a large number of credit cards, which is convenient. do.

In addition, the bar code is displayed only when the user inputs a password, thereby obtaining a security effect.

Claims (6)

A financial institution that determines whether a credit card has been issued by determining the creditworthiness of the user, generates a barcode containing the information of the issued credit card, and when the credit transaction is requested, determines the credit transaction to generate an approval result and an authorization number. ; A mobile communication terminal for downloading and storing the barcode generated by the financial institution and displaying the barcode stored at the request of a user; And A bar code reader for reading the bar code displayed on the mobile communication terminal, and transmitting the credit card information read from the bar code to the financial institution through a communication network, the approval result and the approval number transmitted from the financial institution. Credit transaction system using a barcode comprising a credit transaction approval device for receiving a receipt corresponding to the credit transaction. The method of claim 1, wherein the barcode is, Credit transaction system using a bar code, characterized in that the double bar code having a two-dimensional form. The method of claim 1, wherein the mobile communication terminal, A cable connection unit connected to the financial institution to download the barcode from the financial institution; A barcode storage unit for storing the barcode received through the cable connection unit; An input unit including various function keys for allowing a user to select a barcode display function and a password input function; A display unit displaying the barcode; And Controlling the storage of the barcode received through the cable connection unit in the barcode storage unit, and simultaneously analyzing the input information input through the input unit to detect the barcode from the barcode storage unit, and detecting the barcode. Credit transaction system using a bar code including a central processing unit for controlling the display on the display unit. The method of claim 3, wherein the input information, Credit transaction system using a bar code, characterized in that containing the bank and credit card type selection information. The method according to claim 3 or 4, The input information further includes the password information; The portable communication terminal further includes a password storage unit defined by the user and having a password one-to-one corresponding to at least one barcode stored in the barcode storage unit; The central processing unit may correspond to the password stored in the password storage unit corresponding to the password information input through the input unit and the barcode detected according to the transaction bank and the credit card type inputted by the input unit. Credit system using a bar code, characterized in that only to display the bar code on the display unit. The method of claim 1, The financial server transmits the barcode in the form of a text message; The mobile communication terminal is a credit transaction system using a bar code, characterized in that to download and store the bar code in the form of the text message transmitted from the financial server.