KR200276122Y1 - System for credit card payment using barcode and mobile phone device - Google Patents

Abstract

The present invention relates to a credit card payment system using a barcode and a mobile communication terminal, and displays a bar code on which the information of the user's credit card is recorded on the display unit of the mobile communication terminal, and reads the barcode with a barcode reader to read the credit card. The present invention relates to a credit card payment system that reads information required for payment and receives payment approval through a credit card inquiry machine.

Description

System for credit card payment using barcode and mobile phone device}

The present invention relates to a credit card payment system using a bar code and a mobile communication terminal, and more particularly, displays a bar code in which information about a user's credit card is recorded on a display unit of the mobile communication terminal and converts the bar code into a barcode reader. The present invention relates to a credit card payment system that reads information necessary for payment of a credit card and receives payment approval through a credit card inquiry machine.

Credit cards are indispensable today, and the number and extent of their use is increasing rapidly, and most cardholders usually have three or four credit cards in their wallets. Not to mention the convenience of the credit card does not need to carry cash, but if the credit card is lost or stolen, various problems occur.

Statistically, more than two credit cards are lost per person per year. In view of these data, considering the time and cost of re-issuing credit cards, it is a huge waste for society as a whole.

In addition, the credit card is obtained by reading a magnetic strip attached to the back of the credit card checker to obtain a variety of information related to the card payment is also a problem that such a magnetic strip damage occurs very frequently. If the magnetic strip is damaged, the card is usually reissued, which also wastes time and money.

On the other hand, due to the rapid dissemination of wireless mobile communication terminals, most people always have one or two terminals, and the payment method for commercial transactions using these mobile communication terminals is used for small payments made on the Internet. In general, the billing method is usually billed in addition to the terminal usage fee. Therefore, there is a demand for a system that can achieve the same effect as using a credit card using a wireless mobile communication terminal owned by most people.

The present invention has been made in view of the above-mentioned problems, and displays a bar code on which the information of the user's credit card is recorded on the display unit of the mobile communication terminal and reads the bar code with a bar code reader for payment of the credit card. It is an object of the present invention to provide a credit card payment system that enables payment without a credit card using a conventional credit card inquiry machine by reading necessary information and receiving payment approval through a credit card inquiry machine.

1 is a system configuration of an embodiment according to the present invention,

2A and 2B are explanatory diagrams showing an example of one-dimensional and two-dimensional barcodes;

3 is a flow chart showing an embodiment of a credit card payment method according to the system configuration of FIG.

4 is a configuration diagram for explaining an example of a method of inserting a barcode into a mobile communication terminal;

5 is a flowchart illustrating another example of a method of inserting a barcode into a mobile communication terminal.

<Description of Signs of Major Parts of Drawings>

10 ... wireless mobile terminals, 20 ... barcode readers,

30 ... credit card lookup, 40 ... credit card van server.

The present invention for achieving the above object is a credit card payment system using a bar code and a mobile communication terminal, storing a bar code data indicating information necessary for credit card payment, and having a display unit for expressing the bar code data Wireless mobile communication terminal; A bar code reader for reading a bar code expressed in a display unit of the wireless mobile communication terminal; And a credit card inquiry device which is connected to the barcode reader, extracts credit card payment information from a barcode read from the barcode reader, transmits the credit card payment information to a credit card company van server, and receives a credit card authorization signal.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the system according to the present invention in detail.

Figure 1 shows a system configuration of an embodiment according to the present invention.

As shown in Fig. 1, the system of the present embodiment stores a bar code data indicating information necessary for credit card payment, and has a display unit for displaying the bar code data. Bar code reader 20 for reading a bar code expressed in the display unit of the terminal, and connected to the bar code reader 20, extracts the credit card payment information from the bar code read from the bar code reader 20 credit card company van server Characterized in that consisting of a credit card inquiry machine 30 is sent to the (40) side and receives a credit card authorization signal.

The wireless mobile communication terminal 10 is capable of voice call and data communication using wireless mobile communication, including a cellular phone, a PCS terminal, an IMT-2000 terminal, or a PDA terminal. It may be any type as long as it has a predetermined display unit and a bar code described later can be expressed on the display unit.

Here, the barcode used in the present invention will be briefly described.

A bar code is a combination of black bars and white bars that make up data based on their ratio. In other words, it is a coding system that expresses information in an array pattern of bars and spaces having various widths, and is divided into one-dimensional barcodes and two-dimensional barcodes.

One-dimensional barcode is a simple form of arranging data along the horizontal axis (X direction). Since the early 1970's, many kinds have been developed, and the symbol length is variable, error detection function and higher data density can be achieved. It has been developed to represent alphanumeric data and is used to represent data keys that access the database containing them rather than product information and logistics information itself.

The two-dimensional barcode is a flattened data arranged in the horizontal axis (X direction) and the vertical axis (Y direction) to overcome the limitations of data representation, which is a problem of the existing one-dimensional barcode system. It appeared in the mid 1980s.

Figure 2 shows an example of such a one-dimensional and two-dimensional barcode, Figure 2a is a one-dimensional barcode and Figure 2b is an example of a two-dimensional barcode. In the present invention, since either one-dimensional or two-dimensional bar code can represent information required for credit card payment, it can be used regardless, but it may be preferable to use a two-dimensional bar code for more efficient and many data representation.

The method of expressing such a barcode through the display unit of the wireless mobile communication terminal 10 may be stored in a ROM in advance when manufacturing a terminal, a method of downloading a cable to a terminal when issuing a credit card, or a wireless Internet or SMS method. There are various methods such as downloading and connecting to a server. This will be described later in detail.

On the other hand, the bar code expressed through the display unit of the wireless mobile communication terminal 10 as described above is read by the bar code reader 20 as shown in FIG. The barcode reader 20 uses the barcode reader 20 used in the prior art. To be read by the barcode reader 20 is the same as when the magnetic stripe recorded on the back of the credit card is inserted into the credit card checker to read compared to the case of using a conventional credit card.

As such, the data read by the barcode reader 20 is transmitted to the credit card inquiry 30 through a cable. Credit card lookup 30 is also the same as the credit card lookup used in the prior art, it characterized in that it further includes an interface that can receive data read from the barcode reader 20 therein. Therefore, the present invention can be used by simply changing the internal circuit configuration while using the conventional credit card inquiry machine as it is. Data transmission from the barcode reader 20 may be performed using, for example, an RS-232C port, but is not necessarily limited thereto.

When the credit card checker 30 transmits data related to credit card payment from the barcode reader 20, the credit card checker 30 accesses the credit card van server 40 in a conventional manner through a credit card van network. It waits for the payment approval signal to be notified.

3 is a flowchart illustrating a credit card payment method performed by the system configuration as described in the embodiment of FIG.

First, a bar code in which a user has credit card payment information is displayed on the display unit of the wireless mobile communication terminal 10 by a predetermined method in the wireless mobile communication terminal 10 (S100). In this case, when the barcode is displayed on the display unit, an authentication step such as a password input may be further performed to ensure the safety of the transaction.

Next, the barcode displayed on the display unit of the terminal is placed on the barcode reader 20 to read the credit card payment information represented on the barcode (S110), and the barcode reader 20 reads the credit card payment information on the credit card. The query is sent to the inquiry device 30 (S120).

The credit card checker 30 transmits the received credit card payment information to the credit card van server 40 through the credit card van network (S130), and the credit card van server 40 by the predetermined procedure on the credit card van server 40 side. Wait for a payment approval signal to confirm that there is nothing wrong with the usage.

When the payment approval signal is transmitted from the credit card van server 40 (S140), the credit card payment is completed by inputting and confirming information such as the amount of use and the installment months and issuing a sales slip.

4 is a configuration diagram illustrating an example of a method of inserting a barcode into a mobile communication terminal used in the embodiments described with reference to FIGS. 1 to 3.

As shown in FIG. 4, when the user of the wireless mobile communication terminal 50 connects to the mobile communication company server 60 through the wireless Internet network and requests a credit card, the mobile communication company server 60 is connected to the credit card company server ( 70) to confirm that the credit card registrant is.

When it is confirmed that the credit card registrant is from the credit card company server 70, the mobile communication company server 60 receives the credit card payment information including the card number from the credit card company server 70 as a barcode and receives the received information. The barcode is transmitted to the wireless mobile communication terminal 50 side. In this manner, the wireless mobile communication terminal 50 stores the received bar code in the memory of the terminal and can call and use the bar code when the card is used as described in the embodiments of FIGS. 1 to 3.

FIG. 5 is a flowchart illustrating another example of a method of inserting a barcode into a mobile communication terminal used in the embodiments of FIGS. 1 to 3, and FIG. 5 illustrates a user using a means other than a wireless mobile communication terminal offline or online. When a credit card is issued using a barcode, the barcode is transmitted from the credit card company server to the wireless mobile terminal through a wired cable.

First, a user visits a financial institution such as a bank or a credit card company or applies for issuance of a credit card through the Internet, and a credit card company decides on issuing a credit card after going through a procedure such as whether a credit card can be issued. At this time, the user is informed to have a mobile communication terminal and visit a credit card company.

The user visits the credit card company and connects to the server of the credit card company through a connection port provided in the terminal through a wired cable to download credit card payment information including the card number in the form of a virtual machine (VM) program, for example. Receive. In this way, a barcode containing credit card payment information may be stored in the terminal, and the barcode may be called and used every time the card is used as described with reference to FIGS. 1 to 3.

On the other hand, in addition to such a method, a method of inserting a barcode including credit card payment information in advance when manufacturing a wireless mobile communication terminal is conceivable. At this time, it can be considered that a unique credit card is issued for each terminal, which sets rules in advance between the credit card company and the terminal manufacturer. The user who stores the data and purchases such a terminal is issued a credit card immediately and can immediately use the credit card payment using the terminal.

According to the present invention, the display unit of the mobile communication terminal displays a bar code recorded with the information about the user's credit card, and reads the bar code with a barcode reader to read the information necessary for payment of the credit card through a credit card inquiry By receiving the payment approval, it is possible to use the credit card payment simply through the wireless mobile terminal without a credit card.

In addition, since only a barcode reader can be added to a credit card inquiry used in the related art, it is economical because an existing system can be used without a full replacement of equipment and systems.

In addition, according to the present invention, it is possible to make a credit card payment only through a wireless mobile communication terminal without having a credit card, thereby preventing the waste of various costs and time caused by the loss of a credit card.

Claims (4)

In the credit card payment system using a barcode and a mobile communication terminal, A wireless mobile terminal for storing bar code data representing information required for credit card payment and having a display unit for representing the bar code data; A bar code reader for reading a bar code expressed in a display unit of the wireless mobile communication terminal; And Connected to the barcode reader, credit card payment information to extract the credit card payment information from the barcode read from the barcode reader to the credit card company van server side and receive a credit card authorization signal Credit card payment system using a barcode and a mobile communication terminal, characterized in that consisting of. The method of claim 1, The bar code is a credit card payment system using a bar code and a mobile communication terminal, characterized in that the two-dimensional bar code represented in a predetermined width extending in the horizontal axis and the vertical axis. The method according to claim 1 or 2, The credit card inquiry system further comprises an interface unit for receiving barcode data read from the barcode reader. The credit card payment system using a barcode and a mobile communication terminal. The method of claim 3, The barcode reader and the credit card inquiry system are connected to each other by an RS-232C port, the credit card payment system using a barcode and a mobile communication terminal.