KR20030045231A - Device and method for settling price using bar code of mobile communication cellular phone - Google Patents

Abstract

PURPOSE: A device and a method for the charge postal transfer settlement using a barcode stored in a mobile communication terminal are provided to minimize the economic loss according to the reckless credit card use of a minor or a beginner of a society by settling the use price of a barcode user with an allotment of a credit card held by a parent. CONSTITUTION: The mobile communication terminal(100) stores and displays the barcode data. A barcode reader(200) outputs the information according to the article purchase by reading the barcode displayed on the terminal(100). A personal communication tool(300) outputs the data in order to enable an Internet user to buy the article by inputting a barcode number and a password. A price postal transfer settler communication tool(400) sets a constant price and outputs the corresponding data in order to enable the Internet user to buy the article. A web server(800) outputs a control signal by receiving the data outputted from the terminal(100), the personal communication tool(300), and the price postal transfer settler communication tool(400), and a control signal outputted from a financial settlement system(700).

Description

Payment alternative device and method using barcode stored in mobile communication terminal {DEVICE AND METHOD FOR SETTLING PRICE USING BAR CODE OF MOBILE COMMUNICATION CELLULAR PHONE}

The present invention relates to an alternative payment device and method using a bar code stored in a mobile communication terminal, in particular, purchases of goods using a bar code stored in a mobile communication terminal user, such as a teenager who does not receive a credit card A mobile communication terminal that allows a user to pay a certain amount of money using a barcode set in advance through a wireless network or an internet network from a guardian of the barcode user or a person who replaces the payment when the service is provided. It relates to an alternative billing payment device and method using a bar code stored in.

In general, card users make purchases or services at all retailers such as convenience stores, franchises, family restaurants, large discount stores or department stores, and then use the magnetic credit card to make discounts and purchases.

However, there are a number of restrictions on obtaining a credit card for those who do not have a credit card, for example, under the age of 18, or for college / graduate or social beginners who are not able to pay for the credit card. Accordingly, there was a problem that various credit card problems may occur.

In addition, when a minor who does not receive a credit card or a guardian of a credit card user who has low payment ability after using a credit card grants the minor to use a credit card arbitrarily to use a credit card owned by the minor, There was a problem that economic losses may occur due to the use of a credit card.

Accordingly, the present invention is to solve the above-mentioned conventional problems, an object of the present invention is to provide a service, such as the purchase of goods using a bar code stored in a mobile communication terminal possessed by a user who does not issue a credit card Participants who have difficulty in issuing credit cards by assigning a partial amount of the credit card possessed by their guardian or the person who replaces the payment when they receive the payment can be paid in advance or in advance. The present invention provides a method and method for substituting payment using a barcode stored in a mobile communication terminal to minimize economic losses due to indiscriminate use of credit cards and prevent various problems associated with the use of credit cards by a younger student.

In order to achieve the above object, an alternative payment device using a barcode stored in a mobile communication terminal of the present invention includes: a mobile communication terminal storing barcode data by key operation of an Internet user and displaying the stored barcode;

A barcode reader for reading the barcode displayed on the mobile communication terminal and outputting information according to the purchase of goods;

Personal communication means for outputting the data corresponding to the Internet users to enter the bar code number and password to purchase the goods, while receiving the data according to the use of the barcode by e-mail, and displays the Internet user to view;

A bill payment communication means for presetting a predetermined amount of money so that the Internet user can purchase an item using a barcode stored in a mobile communication terminal or a barcode number and a password of a personal communication means, and outputting corresponding data; ,

A card company server which receives the data output from the payment settlement communication means and outputs the payment limit information according to the purchase of goods through barcode information of a mobile communication terminal or a personal communication means;

An e-commerce site server that receives the data output from the personal communication means and provides the information according to the purchase of the goods of the Internet user and outputs the corresponding goods purchase information;

Receives the purchase information from the bar code reader or e-commerce site server to process the credit result according to the use of the bar code, while comparing the purchase price information of the bar code use and the information on the amount of the substitution amount output from the card company server And a financial settlement system for outputting a control signal corresponding thereto.

A web server which receives data output from the mobile communication terminal, personal communication means, and bill payment communication means and control signals output from the financial settlement system and outputs corresponding control signals;

A member database server which receives the control signal output from the web server, stores personal information of the Internet user and the bill payer and authentication information according to the use of a barcode, and outputs a corresponding control signal;

A single-character message server that receives the control signal output from the member database server and outputs corresponding character information to receive the goods purchase information according to the use of the barcode of the Internet user through the mobile communication terminal;

Receiving a control signal output from the member database server characterized in that the mail server for outputting the electronic mail through the personal communication means to view the goods purchase information according to the use of the bar code of the Internet user.

On the other hand, the alternative payment method using the bar code stored in the mobile communication terminal of the present invention is a mobile communication terminal using the article to determine whether the Internet user purchased the goods using the bar code stored in the mobile communication terminal in the financial settlement system The purchase decision stage,

In the step of determining whether to purchase goods using the mobile communication terminal, when an Internet user purchases an item using a bar code stored in the mobile communication terminal, the financial settlement system receives the purchase price limit information output from the card company server and purchases the product. A first purchase price ≤ judging whether the purchase price is less than or equal to the purchase price, which determines whether the purchase price is less than or equal to the payment limit;

If the purchase price of the goods in the first purchase price ≤ determination of whether to replace the payment limit is less than or equal to the payment limit, the financial settlement system authenticates the credit result of the Internet user, and receives a corresponding control signal Outputting a first authentication and control signal;

A first control signal output step of receiving a control signal from the financial settlement system and outputting a control signal corresponding to the web server;

The member database server receives a control signal output from the web server, stores a personal information and an item purchase information according to a barcode used by a mobile communication terminal of an internet user, and outputs a control signal corresponding to the second control signal. Output stage, and

The short text message server comprises a first text information output step of receiving a control signal output from the member database server and outputting information on purchase of goods of the Internet user as text information so as to be known through the mobile communication terminal. It features.

1 is a block diagram showing an alternative payment device using a bar code stored in a mobile communication terminal according to an embodiment of the present invention;

2 is a flowchart illustrating a method for substituting payment using a barcode stored in a mobile communication terminal according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: mobile communication terminal 200: barcode reader

300: personal communication means 400: alternative payment payer communication means

500: card company server 600: e-commerce site server

700: financial settlement system 800: web server

900: Member Database Server 1000: Short Message Server

1100: mail server

Hereinafter, with reference to the accompanying drawings for the payment method and the alternative payment device using a bar code stored in the mobile communication terminal of the present invention will be described in detail as follows.

FIG. 1 is a block diagram illustrating an apparatus for paying an alternative payment using a bar code stored in a mobile communication terminal, and FIG. 2 is a flowchart illustrating a method for performing an alternative payment using a bar code stored in a mobile communication terminal.

As shown in FIG. 1, the mobile communication terminal 100, a barcode reader 200, a personal communication means 300, an alternative payer communication means 400, a card company server 500, and an e-commerce site are illustrated in FIG. 1. The server 600, the financial settlement system 700, the web server 800, the member database server 900, the short message server 1000, and the mail server 1100 are configured.

In addition, the mobile communication terminal 100 stores bar code data by key operation of an Internet user, and displays a stored bar code, and the bar code reader 200 transmits the bar code data to the mobile communication terminal 100. It reads the displayed bar code and outputs the information according to the product purchase.

In addition, the personal communication means 300 outputs the data corresponding to the Internet user to purchase the goods by inputting the barcode number and password, while the Internet user receives the data according to the use of the barcode by e-mail It serves to display for viewing.

Subsequently, in the payment settlement means communication means 400, the Internet user may purchase a certain amount of money using a barcode stored in the mobile communication terminal 100 or a barcode number and a password of the personal communication means 300. After setting the function in advance to output the corresponding data.

In addition, the card company server 500 receives the data output from the bill payer communication means 400, the bill replacement according to the purchase of goods through the bar code information of the mobile communication terminal 100 or personal communication means (300) It serves to output the limit information, the e-commerce site server 600 receives the data output from the personal communication means 300 provides the information according to the purchase of the goods of the Internet user, and at the same time purchase goods information Outputs the role.

Meanwhile, the financial settlement system 700 receives the goods purchase information output from the barcode reader 200 or the e-commerce site server 600 and processes the credit result according to the use of the barcode, and purchases the goods according to the use of the barcode. It compares the price information and the information on the price of the substitution price limit that is output from the card company server 500 and serves to output a control signal corresponding thereto.

In addition, the web server 800, the data output from the mobile communication terminal 100, the personal communication means 300 and the bill payment communication means 400 and the control signal output from the financial settlement system 700 It receives the input and outputs the corresponding control signal.

In addition, the member database server 900 receives the control signal output from the web server 800 stores the personal information of the Internet user and the bill payer and authentication information according to the use of the barcode, and the corresponding control signal Outputs the role.

Subsequently, the short text message server 1000 receives a control signal output from the member database server 900 to receive product purchase information according to the use of a barcode of an internet user through the mobile communication terminal 100. The mail server 1100 receives the control signal outputted from the member database server 900 and receives the control signal outputted from the member database server 900 so as to view the goods purchase information according to the barcode use of the Internet user. It serves to output to the electronic mail through the communication means (300).

Hereinafter, a description will be given of the operation of the alternative payment device using the bar code stored in the mobile communication terminal configured as described above.

If a user saves a barcode through a mobile communication system (not shown) in a mobile communication terminal 100 possessed by an Internet user and then purchases an item using the barcode stored in the mobile communication terminal 100, the barcode reader 200 ) Reads the bar code stored in the mobile communication terminal 100 and outputs information according to the purchase of goods.

Then, the financial settlement system 700 receives the goods purchase information output from the bar code reader 200, processes the credit result according to the use of the bar code and authenticates and outputs a control signal corresponding thereto at the same time. In step 500, the internet user outputs the payment limit information to the financial settlement system 700 so that the Internet user can process the price according to the purchase of goods using a barcode of the mobile communication terminal 100.

At this time, in the payment settlement communication unit 400, the Internet user uses the barcode of the mobile communication terminal 100 so that the financial settlement system 700 can receive the payment limit information from the card company server 500 as described above. When the goods are purchased by setting a predetermined amount according to the goods purchase in advance and the corresponding data is output to the card company server 500.

That is, the mobile communication terminal 100 a certain amount of the credit card possessed by the guardian or the bill payer so as to facilitate the use of the credit card by the user of the mobile communication terminal 100 that does not receive the credit card, the university / graduate student, or the first-time social student. After setting in advance to the bar code of (100), the payment for the purchase of goods is to be paid from the credit card limit amount of the guardian.

On the other hand, as described above, the price may be alternatively settled in the bank account of the protector or the bill payer that is currently used through online other than the credit card possessed by the guardian or the bill payer.

In addition, without using a bar code stored in the mobile communication terminal 100 as described above, purchase the goods after accessing the bar code number and password through the personal communication means 300 possessed by the Internet user to the e-commerce site To do so, the personal communication means 300 outputs corresponding data so that an internet user can purchase a product by inputting a barcode number and a password.

Then, the e-commerce site server 600 receives the data output from the personal communication means 300, provides information according to the purchase of the goods of the Internet user and at the same time outputs the goods purchase information, the financial settlement system 700 In order to receive the goods purchase information output from the e-commerce site server 600 and process the credit result according to the use of the barcode number and the password to authenticate and output a control signal corresponding thereto.

At this time, the financial settlement system 700 in the same manner as the purchase of goods using a bar code stored in the mobile communication terminal 100, the billing limit information output from the billing payment communication means 400 It receives the input through the card company server 500 authenticates the goods purchase credit results using the personal communication means 300 of the Internet user.

In addition, the web server 800, the data output from the mobile communication terminal 100, the personal communication means 300 and the bill payment communication means 400 and the control signal output from the financial settlement system 700 It receives the input and outputs a control signal corresponding thereto, the member database server 900 receives the control signal output from the web server 800 and stores the personal information of the Internet user and the bill payer and authentication information according to the use of the barcode Meanwhile, a control signal corresponding thereto is output.

Then, for example, when the Internet user purchases an item using a barcode stored in the mobile communication terminal 100, the short message server 1000 inputs a control signal output from the member database server 900. In response to the Internet user using the barcode stored in the mobile communication terminal 100 to output the goods purchase information purchased goods through the corresponding character information is output through a mobile communication system not shown.

In addition, when the Internet user purchases an item using a barcode number and a password through the personal communication means 300, the mail server 1100 receives the control signal output from the member database server 900 and receives the Internet user. Is output to the electronic mail through the personal communication means 300 so that you can see the goods purchase information purchased goods through the personal communication means (300).

Meanwhile, referring to FIG. 2, the payment substitute method using the barcode stored in the mobile communication terminal will be described in more detail. In the financial settlement system 700, the Internet user can read the barcode stored in the mobile communication terminal 100. It is determined whether the goods have been purchased using (S100).

Subsequently, when an internet user purchases an item using a bar code stored in the mobile communication terminal 100 in the step S100 of determining whether to purchase an item using the mobile communication terminal 100, the financial settlement system 700 may determine the item. It is determined whether the purchase price of the goods is less than or equal to the payment limit by comparing the purchase price information received from the card company server 500 with the purchase price information (S200).

In addition, if the price of the purchase of the goods in the first purchase price ≤ price substitution limit (S200) is less than or equal to the payment limit, the financial settlement system 700 authenticates the credit result of the Internet user On the other hand, the control signal corresponding to the output (S300).

Then, the web server 800 receives a control signal from the financial settlement system 700 and outputs a control signal corresponding thereto (S400), and the member database server 900 outputs the control signal from the web server 800. The received control signal is stored and stores the personal information and the goods purchase information according to the use of the bar code of the mobile communication terminal 100 of the Internet user, and outputs a corresponding control signal (S500).

Subsequently, the short message server 1000 receives a control signal output from the member database server 900 as text information so that the mobile communication terminal 100 can know the information according to the purchase of goods of the Internet user. Output (S600).

On the other hand, if the Internet user does not purchase the goods using the bar code stored in the mobile communication terminal 100 in the step of determining whether to purchase the goods using the mobile communication terminal 100, the financial settlement system 700 It is determined whether the Internet user has purchased the item using the barcode number and the password through the personal communication means 300 (S110).

At this time, in the step of determining whether to purchase goods using the personal communication means 300 (S110), if the Internet user does not purchase the goods using the barcode number and the password through the personal communication means 300, and ends the purchase, the financial In the payment system 700, the payment limit information output from the card company server 500 is input and compared with the purchase price information to determine whether the purchase price is less than or equal to the payment limit (S120).

In addition, if the price of purchasing the goods by the Internet user in the second purchase price ≤ price substitution limit (S120) is less than or equal to the payment limit, the financial settlement system 700 in the credit result of the Internet user While authenticating the control signal, the control signal is output (S130).

Then, the web server 800 receives a control signal output from the financial settlement system 700 and outputs a control signal corresponding thereto (S140), and the web server 800 in the member database server 900. Receives a control signal outputted from the Internet and receives the personal information and goods purchase information according to the bar code number and password using the personal communication means 300 of the user 300, and outputs the corresponding control signal (S150) .

Subsequently, the mail server 1100 receives the control signal output from the member database server 900 and outputs the information according to the purchase of the goods of the Internet user to the e-mail for viewing through the personal communication means 300. (S160).

On the other hand, if the price of the goods purchased in the first purchase price ≤ price substitution limit (S200) is greater than the payment replacement limit, the financial settlement system 700 outputs a control signal corresponding thereto (S210). .

Then, the member database server 900 receives the control signal output from the financial settlement system 700 through the web server 800 and stores the information according to exceeding the payment limit of the Internet user, and correspondingly The control signal is output (S220).

Subsequently, the short text message server 1000 receives the control signal output from the member database server 900 so that the mobile communication terminal 100 can know the information regarding the excess of the substitution limit for the purchase of the goods. Character information is output (S230).

In addition, when the price of the purchase of the goods in the second purchase price of the purchase price ≤ payment replacement limit (S120) is greater than the payment replacement limit, the financial settlement system 700 outputs a control signal corresponding thereto (S121). .

Then, the member database server 900 receives the control signal output from the financial settlement system 700 through the web server 800 and stores the information according to exceeding the payment limit of the Internet user, and correspondingly Outputs a control signal (S122), and the mail server 1100 receives the control signal output from the member database server 900 and receives information on the excess of the substitution limit according to the purchase of the personal communication means (300). ) And output to the e-mail so that you can see through (S123).

As described above, the apparatus and method for replacing payment using a bar code stored in the mobile communication terminal of the present invention provides a service such as purchasing goods using a bar code stored in a mobile communication terminal possessed by a user who does not have a credit card. When you receive a credit card, you can assign a partial amount of the credit card possessed by the guardian or the person who replaces the payment, so that the payment of the barcode user's use can be made by postpay or prepaid. While minimizing the economic losses of indiscriminate use of credit cards by the first-time societies, it is possible not only to prevent various problems associated with the use of credit cards by young people, but also without changing the business process of using existing credit cards. Poor payment ability after use Has excellent effect of being able to provide users with smooth credit card.

Claims (5)

A mobile communication terminal for storing bar code data by key operation of an Internet user and displaying stored bar codes; A barcode reader for reading the barcode displayed on the mobile communication terminal and outputting information according to the purchase of goods; Personal communication means for outputting the data corresponding to the Internet users to enter the bar code number and password to purchase the goods, while receiving the data according to the use of the barcode by e-mail, and displays the Internet user to view; A bill payment communication means for presetting a predetermined amount of money so that the Internet user can purchase an item using a barcode stored in a mobile communication terminal or a barcode number and a password of a personal communication means, and outputting corresponding data; , A card company server which receives the data output from the payment settlement communication means and outputs the payment limit information according to the purchase of goods through barcode information of a mobile communication terminal or a personal communication means; An e-commerce site server that receives the data output from the personal communication means and provides the information according to the purchase of the goods of the Internet user and outputs the corresponding goods purchase information; Receives the purchase information from the bar code reader or e-commerce site server to process the credit result according to the use of the bar code, while comparing the purchase price information of the bar code use and the information on the amount of the substitution amount output from the card company server And a financial settlement system for outputting a control signal corresponding thereto. A web server which receives data output from the mobile communication terminal, personal communication means, and bill payment communication means and control signals output from the financial settlement system and outputs corresponding control signals; A member database server which receives the control signal output from the web server, stores personal information of the Internet user and the bill payer and authentication information according to the use of a barcode, and outputs a corresponding control signal; A single-character message server that receives the control signal output from the member database server and outputs corresponding character information to receive the goods purchase information according to the use of the barcode of the Internet user through the mobile communication terminal; A mail server configured to receive a control signal output from the member database server and output an electronic mail through the personal communication means to view the goods purchase information according to the use of a barcode of an internet user. Payment alternative payment device using a barcode. Determining whether to purchase goods using a mobile communication terminal to determine whether an internet user has purchased an item using a barcode stored in the mobile communication terminal in the financial settlement system; In the step of determining whether to purchase goods using the mobile communication terminal, when an Internet user purchases an item using a bar code stored in the mobile communication terminal, the financial settlement system receives the purchase price limit information output from the card company server and purchases the product. A first purchase price ≤ judging whether the purchase price is less than or equal to the purchase price, which determines whether the purchase price is less than or equal to the payment limit; If the purchase price of the goods in the first purchase price ≤ determination of whether to replace the payment limit is less than or equal to the payment limit, the financial settlement system authenticates the credit result of the Internet user, and receives a corresponding control signal Outputting a first authentication and control signal; A first control signal output step of receiving a control signal from the financial settlement system and outputting a control signal corresponding to the web server; The member database server receives a control signal output from the web server, stores a personal information and an item purchase information according to a barcode used by a mobile communication terminal of an internet user, and outputs a control signal corresponding to the second control signal. Output stage, and The short text message server comprises a first text information output step of receiving a control signal output from the member database server and outputting information on purchase of goods of the Internet user as text information so as to be known through the mobile communication terminal. Alternative payment method using a bar code stored in the mobile terminal characterized in that. According to claim 2, If the Internet user does not purchase the goods using the bar code stored in the mobile communication terminal in the step of determining whether to purchase the goods using the mobile communication terminal, the Internet payment system through the personal communication means in the financial settlement system Determining whether to purchase the goods using the personal communication means to determine whether the goods are purchased using the barcode number and the password; In the step of determining whether to purchase the goods using the personal communication means, if the Internet user does not purchase the goods using the barcode number and the password through the personal communication means, and ends the purchase, the financial settlement system outputs the payment limit from the card company server. A second purchase price ≤ payment limit determining step for receiving the information and comparing the purchase price information with the purchase price information to determine whether the purchase price is less than or equal to the payment limit; If the price for purchasing the goods by the Internet user is less than or equal to the payment limit in the step of determining whether the second purchase price ≤ payment limit, the financial settlement system authenticates the credit result of the Internet user and corresponds to the corresponding price. A second authentication and control signal output step of outputting a control signal; A third control signal output step of receiving, by the web server, a control signal output from the financial settlement system and outputting a control signal corresponding thereto; The member database server receives the control signal output from the web server, receives and stores the personal information and goods purchase information according to the use of the barcode number and password through the personal communication means of the Internet user, and stores the corresponding control signal. Outputting a fourth control signal output step; And The mail server comprises a first e-mail output step of receiving the control signal output from the member database server and outputting the information according to the purchase of the goods of the Internet user through the personal communication means by e-mail Alternative payment method using a bar code stored in the mobile terminal characterized in that. According to claim 2, If the purchase price of the first item purchase price ≤ payment replacement limit is greater than the payment replacement limit, the financial settlement system outputs the fifth control signal corresponding to the fifth control signal output Steps; The member database server receives a control signal output from the financial settlement system through the web server, stores information according to exceeding a substitution limit of an Internet user, and outputs a control signal corresponding to the sixth control signal. step; And The second text information output step of receiving the control signal output from the member database server and outputting the text information so that the mobile communication terminal can be informed of the information on the excess of the substitution price due to the purchase of the goods; Payment alternative payment method using a bar code stored in a mobile communication terminal, characterized in that made. The seventh control signal output of claim 3, wherein the financial settlement system outputs a control signal corresponding to the second purchase price when the purchase price of the item is greater than the replacement limit. Steps; The member database server receives the control signal output from the financial settlement system through the web server, stores information according to the excess of the Internet user's substitution limit, and outputs an eighth control signal corresponding to the control signal. step; And The mail server includes a second e-mail output step of receiving a control signal output from the member database server and outputting the information according to the excess of the replacement limit according to the purchase of the goods through the personal communication means through e-mail. Alternative payment method using a bar code stored in a mobile communication terminal, characterized in that made.