KR200217692Y1 - Mobile phone for confirmating fequency of account in credit payment system - Google Patents

Abstract

The present invention is to provide a mobile terminal for a credit payment with a payment check function that displays the number of payments on the terminal screen when the credit payment through the mobile phone terminal allows the consumer to immediately check how many times the card has been used fraudulently.

Therefore, the present invention checks the key input means for selecting the payment mode, and the key input from the key input means to send out the stored credit information when selecting the payment mode, and to count and display the number of transmissions when the credit information is sent. Control means for controlling, storage means for storing credit information, display means for displaying whether the payment mode is operated and the number of times of transmission under the control of the control means, and credit information as an optical signal under the control of the control means. The mobile telephone terminal is configured to include an optical transmitting means for converting and transmitting up to an approval inquiry device with a built-in optical receiver, and a counting means for counting the number of times of transmission according to the control of the control means, thereby providing more convenience and safety to the user. To provide.

Description

MOBILE PHONE FOR CONFIRMATING FEQUENCY OF ACCOUNT IN CREDIT PAYMENT SYSTEM}

The present invention relates to a mobile terminal for credit payment, and more specifically, to display the number of payments when making a payment on the screen of the terminal so that the fraudulent use of others can be confirmed immediately, and the number of payments increases the safety of the transaction. A credit settlement mobile phone terminal is concerned.

Recently, as the use of credit cards that are easy to use and carry rather than cash as payment methods has increased, many inconveniences have arisen due to the use of credit cards.

For example, if a credit card is lost, it is not possible to effectively prevent unauthorized use of another person, especially when making a payment, and the employee is exposed to a copy or fraudulent payment by the clerk. Had to be responsible.

To this end, there is a need for a safer and more reliable credit settlement method. Patent No. 2000-13426 (name: commerce system using a mobile phone) filed by the same applicant as the present invention provides an alternative to the credit card. As a mobile phone terminal, various other methods have been proposed.

However, department stores and many small stores are crowded, and each store does not have a device for inquiring credit approval in a complex place. Instead, there are places where payments are made separately. After taking a credit card and getting approval, payment is often made in the form of a final confirmation and signing by the consumer.

In this case, even if a newly designed mobile phone is used as well as a credit card, it can be unfairly used by the clerk's unfair payment processing and imitation of a signature, and there is no countermeasure for such a case.

The present invention has been made to solve the above-mentioned conventional problems, the purpose of which is to check the number of payments so that consumers can immediately check how many times the card is used by fraudulent payments on the terminal screen when making a credit payment through a mobile phone terminal It is to provide a mobile terminal for credit settlement with a function.

1 is a schematic configuration diagram of a payment system to which a mobile phone terminal according to the present invention is applied.

2 is a schematic diagram for explaining a credit transaction process.

Figure 3 is a block diagram showing the internal configuration means of the mobile phone terminal according to the present invention.

Figure 4 is an embodiment showing the operation result of the mobile phone terminal according to the present invention.

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

1: Mobile payment terminal for credit settlement 2: Payment approval inquiry machine

3: credit institution server 41: key input means

42: control means 43: storage means

44: display means 45: optical transmission means

46: counting means

As a construction means for achieving the object of the present invention described above, the present invention is a credit settlement mobile telephone terminal having a check frequency check function,

Key input means for selecting a payment mode;

Control means for checking the key input from the key input means to send the stored credit information when selecting a payment mode and to count and display the number of times of sending credit information when the credit information is sent;

Storage means for storing credit information;

Display means for displaying whether the payment mode is operated and the number of times of transmission according to the control of the control means;

Optical transmission means for converting credit information into an optical signal according to the control of the control means and transmitting the credit information to an approval inquiry device incorporating an optical receiver; And

And counting means for counting the number of times of transmission in accordance with the control of the control means.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the mobile payment terminal for credit payment with a check function of the present invention.

1 is a system configuration showing the configuration of a payment system using a mobile phone terminal according to the present invention, 1 is a mobile phone terminal having an optical transmission means for transmitting a payment function and credit information, 2 is the mobile phone terminal (1) an approval referrer provided in a store or the like that has a light receiving means capable of receiving credit information transmitted from the credit information received from the received credit information, and 3 is an approval referrer (2) And a communication line are connected to the server of the credit institution for processing the approval request from the approval inquiry machine (2) to inform the approval.

In the above, the approval inquiry machine 2 may be any payment processing means (for example, a card reader) equipped with a function of receiving an optical signal transmitted from the mobile telephone terminal 1, which is the present applicant. It is described in detail in patent application 2000-13426 filed by.

FIG. 2 illustrates a payment process made between a third party, that is, a card user 10, an affiliated store 20, and a credit institution 30 according to the present invention based on the payment system through the mobile phone terminal shown in FIG. It is a schematic diagram for.

And, Figure 3 is a block diagram showing the configuration related to the present invention included in the mobile phone terminal for credit payment with the number of payment confirmation function according to the present invention.

As shown, the mobile phone terminal for credit settlement with the number of payment check function according to the present invention has a key input means 41 for selecting a payment mode and the key selection means is determined from the key input means 41. Control means 42 for transmitting the stored credit information when the payment mode is selected and counting and displaying the number of times of the transmission of the credit information, a storage means 43 for storing the credit information, and the control means 42 Display means 44 for displaying whether the payment mode operation and the number of times of transmission under the control of the control unit, and converts the credit information into an optical signal under the control of the control means 42 to transmit to the approval inquiry machine with a built-in optical receiver And a counting means 46 for counting the number of times of transmission in accordance with the control of the control means 42.

The key input means 41 may be provided with a separate button for payment in a normal mobile phone terminal, or by combining a plurality of buttons provided in the mobile phone terminal.

Next, a payment process using a mobile phone terminal according to the present invention will be described with reference to FIGS. 1 to 3.

When the user 10 selects the payment mode by operating the key input means 41 of the mobile telephone terminal shown in Fig. 3, the control means 42 recognizes this and the mobile telephone terminal is not a communication means but a payment means. Control operation, that is, credit information (e.g., card number) stored in the storage means 43 is read out and output to the optical transmission means 45, and at the same time, the counting means 46 up-counts the transmission frequency value. To control.

Then, the optical transmission means 45 converts the input credit information into an optical signal and transmits it, and the counting means 46 counts up the number of times of transmission, wherein the up counted number of transmissions is sent to the control means 42. Is applied to the display means 44 and displayed in letters or numbers. The transmission frequency may be automatically performed according to a user's manual or predetermined condition, and may be counted from 1 when necessary, or may be accumulated monthly or daily.

At this time, in order to further increase the security, it is possible to add the identity verification function by the password input request and the comparison of the input password and the set value to the control means 42.

Therefore, the number of times of up counting is displayed on the display window of the mobile telephone terminal as shown in FIG. 4, and the optical signal carrying the credit information sent from the optical transmitting means 45 is checked for approval of FIG. 1. It is transmitted to the machine 2 (1 in Fig. 2).

The approval inquiry unit 2 decodes the received optical signal as described above, extracts credit information, and transmits an authorization request message including the credit information, payment amount, and merchant information to the server 3 of the credit institution. (2 in Fig. 2)

The server (3) of the credit institution processes this according to the internal processing flow to determine whether to approve, and transmits the approval number or non-approval message to the corresponding approval inquiry machine (2) according to the determination. )

The approval inquiry device 2 of the affiliated store 20 displays a disapproval message sent from the server 3 of the credit institution, or outputs a receipt on which the authorization number, payment amount, credit information, merchant information, etc., which are transmitted, are printed. And, by providing this to the user 10 in the merchant 20, all payment processing is completed.

At this time, since the approval for the credit transaction is dropped only when the credit information is transmitted from the mobile phone terminal to the approval inquiry device 2 by the payment mode selection, illegal copying of the card is prevented, and the user 10 When the mobile phone terminal for payment is entrusted to an employee of the affiliated shop 20 for payment, the number of times the employee of the affiliated shop 20 makes a payment request through the mobile phone terminal is counted and displayed on the screen. By checking the number of times of use in the mobile phone terminal received back with the receipt, the merchant 20 can know whether the illegal use of the transaction.

As described above, the present invention is because the approval for the credit transaction is dropped only when the credit information is transmitted from the mobile phone terminal to the approval inquiry device 2, so that the use of the card illegal copying or the leakage of the card number and password It is possible to prevent illegal use, and also the number of times is counted and displayed every time the payment mode is used to send credit information to the approval inquiry device on the mobile phone terminal. Therefore, there is an excellent effect that can provide the user with confidence and convenience for credit settlement.

Claims (1)

In the mobile terminal for credit payment with the number of payment check function, Key input means for selecting a payment mode; Control means for checking the key input from the key input means to send the stored credit information when selecting a payment mode and to count and display the number of times of sending credit information when the credit information is sent; Storage means for storing credit information; Display means for displaying whether the payment mode is operated and the number of times of transmission according to the control of the control means; Optical transmission means for converting credit information into an optical signal according to the control of the control means and transmitting the credit information to an approval inquiry device incorporating an optical receiver; And And a counting means for counting the number of times of transmission in accordance with the control of the control means.