KR20040082790A - An Apparatus For Accounting Using Code Pattern And Method Thereof - Google Patents

Abstract

PURPOSE: An apparatus for settling a charge by using a code pattern, and a method thereof are provided to easily pay a charge by downloading a code pattern to a mobile terminal. CONSTITUTION: A user terminal(10) transmits a request message for issuing a bar code to a provider server(30) to receive a bar code(60) having information related to the amount to be paid. The provider server(30) generates the bar code(60) corresponding to the request message for issuing a bar code to transmit the generated bar code(60) to the user terminal(10). A settlement processing apparatus(70) reads the bar code(60) displayed on a screen of the user terminal(10) to settle a charge.

Description

An Apparatus For Accounting Using Code Pattern And Method Thereof}

The present invention relates to a bill payment device and a method using a code pattern, and more particularly, a code pattern that can be conveniently charged using the code after photographing the code pattern recording the bill information or download to the wireless Internet The present invention relates to a billing apparatus and a method thereof.

At present, the payment of bills using Jiro bills is not only common in public bills such as national taxes such as various utilities and local taxes, but also private bills such as newspaper bills and milk bills.

However, the tax and payment method using the giro is lowered due to concerns about the loss of the giro and the tendency to refuse handling of the giro in the financial sector. There is a problem such that it is difficult.

Accordingly, there is an increasing demand for a fee payment method that overcomes the unreasonable problem of the conventional fee payment method using a giro and makes it easier to pay the giro fee using a code pattern.

Accordingly, the present invention has been made to solve the above problems, and a first object of the present invention is to download a code pattern in which the fare information is recorded through the wireless Internet, the code pattern of the ATM provided in the bank, etc. The present invention provides a bill payment device and a method using a code pattern that can be easily paid by scanning with a reader.

It is a second object of the present invention to provide a billing apparatus and method using a code pattern which does not need to carry papers by paying bills using a code pattern and there is no risk of losing papers.

It is a third object of the present invention to provide a bill payment device and method using a code pattern which can pay bills on the wireless Internet by photographing a code pattern attached to a paper with a terminal and then transmitting it to a service provider server.

1 is a first configuration diagram of a bill payment system using a code pattern according to the present invention;

2 is a second configuration diagram of a payment system using a code pattern according to the present invention;

3 is a block diagram showing an internal configuration of a service provider server;

4 is a block diagram showing an internal configuration of a user terminal used in the present invention;

5 is a block diagram showing an internal configuration of a payment processing device;

6 conceptually illustrates a data structure of a payment request message;

7 is a flowchart illustrating a process of receiving a code pattern in which charge information is recorded;

8 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a first embodiment of the present invention;

9 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a second embodiment of the present invention;

10 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a third embodiment of the present invention.

<Brief description of the major reference numerals>

10: user terminal, 11: imaging unit,

13: decoder, 15: control unit,

17: user interface unit, 19: transceiver unit,

20: communication network 30: operator server,

31: barcode generation unit, 32: code distribution unit,

33: barcode image analysis unit, 34: control unit,

36: transceiver unit, 40: charge information database,

60: barcode, 70: payment processing device,

80: payment server.

According to a first aspect of the present invention for achieving the above object, in the bill payment method using a code pattern in the user terminal, receiving a payment notice message from the operator server, the access information included in the payment notice message Connecting to the operator server based on the step of transmitting a code pattern issuing request message for issuing a code pattern including code information in which user information and fee information are recorded to the operator server, and a code pattern from the operator server. Receiving an image, wherein the operator server generates code information including the user information and the fee information, and generates a code pattern image corresponding to the code information. Payment methods may be provided.

According to a second aspect of the present invention for achieving the above object, in the fee payment method using a code pattern in the user terminal, the image pickup unit provided in the user terminal to pick up the code pattern image attached to one side of the paper And extracting code information corresponding to the code pattern image by analyzing the code pattern image, wherein the code information includes fee information and service provider server information. Extracting server information, transmitting a billing request message including user information and the billing information to a provider server corresponding to the extracted operator server information, and receiving a billing completion message from the provider server; The service provider server transmits a charge request message to the payment server. Thereafter, a fee payment method using a code pattern may be provided, wherein the fee payment completion message is received from the payment server.

According to a third aspect of the present invention for achieving the above object, in the payment processing method using a code pattern in the payment processing device, reading the code pattern image displayed on the screen of the terminal, analyzing the code pattern image Extracting corresponding code information, extracting user information and fee information included in the code information, and transmitting the same to the payment processing unit; receiving and transmitting payment method information to the payment processing unit; There may be provided a billing method using a code pattern comprising the step of performing a payment process corresponding to the.

According to a fourth aspect of the present invention for achieving the above object, in the billing method using a code pattern in the operator server, generating code information including user information and fee information corresponding to the user information; Receiving a code pattern issuance request message including user information from a terminal, extracting fee information corresponding to the received user information, generating code information corresponding to the user information and fee information; Generating a code pattern image corresponding to code information, and transmitting the generated code pattern image to the terminal, wherein the code pattern image displayed on the screen of the terminal is read by a payment processing device to charge the fee. Code pattern, characterized in that payment processing for The fee payment method used may be provided.

According to a fifth aspect of the present invention for achieving the above object, in the billing method using a code pattern in the operator server, receiving a billing request message including user information and billing information from the user terminal- The terminal includes a decoder capable of decoding a code pattern image, photographs the code pattern image including fee information and service provider server information, decodes the code pattern image, extracts code information, and then includes service provider server information included in the code information. Accessing the service provider server by extracting the data; checking whether the transmitted user information and the charge information and the user information and the charge information stored in the charge database are identical; and storing the transmitted information and the charge in the charge database. If the information is consistent with each other A bill payment method using a code pattern may be provided, the method including performing a billing process for a fee.

According to a sixth aspect of the present invention for achieving the above object, in the billing method using a code pattern in the operator server, receiving a billing request message including a code pattern image from the user terminal-the code The pattern image includes price information and is captured by an image pickup unit included in the user terminal.-Analyzing the received code pattern image and extracting code information corresponding thereto; referring to the rate database, the code A fee payment method using a code pattern may be provided, including extracting user information and fee information corresponding to the information and performing payment processing for the fee.

According to a seventh aspect of the present invention for achieving the above object, a code pattern recognition unit for reading a code pattern image displayed on the screen of the terminal to extract the corresponding code information in the bill payment device using a code pattern A code information analyzer for extracting user information and fee information included in the code information, a payment means input unit for receiving payment method information for bill payment, and user information received from the code information analyzer and fee information; A bill payment apparatus using a code pattern may include a payment processor configured to perform a payment process corresponding to the input payment means information.

Other objects, specific advantages and novel features of the present invention will become more apparent from the following detailed description and the preferred embodiments associated with the accompanying drawings.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, in describing the payment device and method using the code pattern according to the present invention with reference to the accompanying drawings, the same or corresponding components regardless of reference numerals are given the same reference numerals and redundant description thereof will be omitted. Shall be.

1 is a first configuration diagram of a payment system using a code pattern according to the present invention.

As shown in FIG. 1, a first configuration of an electronic commerce providing system using a code pattern according to the present invention includes a user terminal 10, an operator server 30, and a payment server 70.

The user terminal 10 is a portable mobile communication terminal coupled with the operator server 30 through a communication network 20 including a wireless communication network and a wired communication network, and transmits and receives information with the operator server 30 through the communication network 20. do. As the user terminal 10, a wireless communication terminal such as a mobile phone, a PCS, or a PDA may be used. The user terminal 10 used in the present invention is provided with a function for reading and decoding the barcode 60. The user terminal 10 reads the bar code 60 attached to one side of the paper, extracts the fee information and the operator server information recorded in the bar code 60, and connects to the corresponding operator server 30 to settle the fee. Ask. A detailed configuration of the user terminal 10 will be described with reference to FIG. 3 below. In addition, as the user terminal 10, a computer, a laptop, or the like may be used in addition to the portable terminal.

The operator server 30 is a computer provided to a company providing a bill payment service using a code pattern according to the present invention. After receiving the bill payment request message 90 from the user terminal 10 through the communication network 20, The corresponding billing processing is performed. Here, the operator server 30 may be a computer of a separate operator from a communication provider (not shown) that provides the communication network 20, or the service provider directly provides the service using its communication network 20 and a computer. In this case, the service provider may be a computer of a carrier. Here, the operator server 30 may directly perform a bill payment process associated with the company, or may provide a bill payment service on behalf of another bill or billing company. In the latter case, the operator server 30 should receive and store the information of the payer and the bill information from the billing company.

2 is a second configuration diagram of a payment system using a code pattern according to the present invention. As shown in FIG. 2, the second configuration of the electronic commerce providing system using the code pattern according to the present invention includes a user terminal 10, a provider server 30, and a payment processing device 80.

The user terminal 10 transmits a barcode issuing request message for issuing a barcode 60 in which payment fee information is recorded to the operator server 30 to the operator server 30.

The operator server 30 generates a barcode corresponding to the barcode issuance request message received from the user terminal 10 and transmits the barcode to the user terminal 10.

The payment processing device 80 reads a bar code 60 displayed on the screen of the user terminal 10 to perform payment. The payment processing device 80 may be an ATM or CD device provided in a bank or the like. The payment processing device 80 will be described in detail with reference to FIG. 5.

3 is a block diagram showing the internal configuration of the operator server 30 of FIG. As shown in FIG. 3, the operator server 30 includes a barcode generator 31, a code distributor 32, a barcode image analyzer 33, a code information analyzer 35, a transceiver 36, And a product information database manager 37 and a controller 34.

The barcode generation unit 31 is for generating a barcode 60 in which user information and payment fee information are recorded. The barcode generator 31 generates code information by coding user information and payment fee information, and then generates a barcode image corresponding to the code information. Here, the payment fee information includes a payment item, a payment amount, a payment due date, and the like.

The code distribution unit 32 analyzes the service identifier 91 included in the fee payment request message 90 received from the user terminal 10 to classify the types of services, and analyzes the service identifier 91. Recognizing that the type of service is a bill payment service, if the barcode information 95 is included in the product information received from the user terminal 10 and transmits it to the barcode image analyzer 33.

The barcode image analyzing unit 33 receives a barcode image 95 captured by the imaging unit 11 when the decoder 13 for decoding the barcode 60 is not provided in the user terminal 10. After the code information is extracted, the extracted code information is transmitted to the code information analyzer 65.

The code information analyzer 35 analyzes code information received from the barcode image analyzer 33 and extracts user information and payment fee information therefrom. In addition, the code information analyzer 35 compares the extracted payment fee information with the payment fee information of the corresponding user extracted from the fee information database 40 and determines whether the extracted payment fee information is identical.

The transceiving unit 36 performs a function of transmitting and receiving data related to the issuance and payment of the barcode 60 and the user terminal 10. That is, a barcode issuance request message is received from the user terminal 10, and the barcode 60 generated accordingly is transmitted to the user terminal 10.

The fee information database manager 37 manages the fee information database 40 in which user information and payment fee information are stored.

The control unit 34 is to control the respective components, generates a bar code generation control signal for generating a bar code corresponding to the bar code issuance request message received from the user terminal 10 and transmits to the bar code generator 31 When the barcode image 95 is transmitted from the user terminal 10, a barcode image analysis control signal is generated and transmitted to the barcode image analyzer 33.

In the present embodiment, the bar code image analyzer 33 and the code information analyzer 35 are configured separately, but the bar code image analyzer 33 has a function of analyzing the code information by integrating these functions. Of course it is possible.

4 is a block diagram showing the internal configuration of the user terminal 10 used in the present invention.

As shown in FIG. 4, the user terminal 10 used in the present invention includes an image capturing unit 11, a decoder 13, a control unit 15, a user interface unit 17, and a transceiver unit 19. . In FIG. 3, only the configuration related to the present invention is shown, and the same configuration as that of the ordinary portable terminal is omitted in order to avoid confusion in the description.

The image pickup unit 11 is an image recognition or image pickup means. In the present invention, the barcode 60 is recognized (or imaged) to convert the recognized analog image data into digital image data to be transmitted to the decoder 13. Perform the function. The imaging unit 11 may be configured as an external or internal type of the user terminal 10. The imaging unit 11 may be a scanner, a PC camera, a digital camera, a web camera, or the like.

The decoder 13 analyzes the barcode image received from the image pickup unit 11 and extracts payment fee information. The decoder 13 may be configured with one-dimensional and two-dimensional code recognizers according to the type of the barcode 60. The code information extracted by the decoder 13 may be a preset code value. However, according to the second embodiment of the present invention to be described later, the user terminal 10 may not include a decoder 13. By doing so, it is possible to receive the fee payment service according to the present invention by using the user terminal 10 equipped with a conventional camera. In this case, the operator server 30 should include a configuration for decoding.

The user interface 17 is a part that provides an interface between the user and the user terminal 10. More specifically, the user interface unit 17 performs a function of providing a user interface so that a user can access the URL of the operator server 30 to transmit a barcode issuance or payment request message. The user interface 17 is generally a web browser. Currently, 3G mobile communication such as 2G mobile communication and IMT-2000 portable terminal has a built-in wireless web browser for supporting download of multimedia data such as video. Such wireless web browsers typically support wireless Internet functionality using the Wireless Aplication Protocol (WAP), which simplifies the amount of processing data to implement the Internet browser functionality in mobile devices with limited display and memory capacities. Protocol.

The transceiver 19 performs a function of transmitting a barcode issuing request message and a bill payment request message 90 to the operator server 30.

The control unit 15 is for controlling each of the above-described configurations. When the imaging button is input from the user, the control unit 15 generates an imaging control signal and transmits it to the imaging unit 11, generates a decoding control signal, and sends it to the decoder 13. In addition, the transmission / reception control signal is transmitted to the transmission / reception unit 19 to transmit the charge request message 90 to the operator server 30.

In addition, an example of the barcode 60 is shown in FIG. The bar code 60 includes a one-dimensional barcode and a two-dimensional barcode such as a PDF-417 code, a QR code, a data matrix, and the like.

The bar code 60 widely used at present is mainly a one-dimensional bar code, and can express only simple and limited information such as alphabets, letters, and numbers. On the other hand, the two-dimensional bar code is a flattened data arranged on the horizontal axis and the vertical axis, and can be expressed in Korean and pictures. In the present invention, a two-dimensional bar code is used to record a large amount of information.

5 is a block diagram showing the internal configuration of the payment processing device 70. As shown in FIG. 5, the payment processing device 70 includes a barcode recognition unit 71, a payment method input unit 73, a code information analysis unit 75, a payment processing unit 77, and a controller 79. .

The barcode recognition unit 71 reads a code pattern image displayed on the screen of the user terminal 10 and extracts code information corresponding thereto. The barcode recognition unit 71 may be a barcode reader or a camera. That is, when the user displays the barcode 60 stored in the user terminal 10 on the screen and places it on the barcode recognition unit 71, the barcode recognition unit 71 reads the barcode 60.

The payment means input unit 73 is a part for receiving the user's payment means information. The payment means of the user may be, for example, a credit card, debit card, bank account, cash, etc., the card or bank entry slot of a conventional ATM can be used as the payment means input unit 73.

The code information analyzer 75 extracts user information and fee information included in the code information transmitted from the barcode recognition unit 71 and transmits the extracted user information and the fee information to the payment processing unit 77.

The payment processor 77 is a part that performs payment processing corresponding to the user information, the fee information, and the input payment means information received from the code information analyzer 75.

The control unit 79 is for controlling each of the above components, and generates a control signal for reading the code pattern image displayed on the screen of the user terminal 10 and transmits the control signal to the bar code recognition unit 71, for analyzing the code information. The control signal is generated and transmitted to the code information analyzer 75. In addition, the payment processing control signal is transmitted to the payment processing unit 77 to process the payment.

FIG. 6 is a diagram conceptually showing a data structure of a charge request message 90.

As shown in FIG. 6, a service identifier 91, terminal information 93, and a barcode image 95 are recorded in the charge request message 90.

The service identifier 91 is a part in which the type of service to be provided by the service provider server 30 is recorded. The operator server 30 may provide various services that can be provided using the barcode 60, for example, user contact information providing service, taxi call service, advertising service, product information providing service, and bill payment service. Thus, for example, by assigning 4 bits to the service identifier 91, 0001 is a taxi call service, 0010 is an advertising service, 0011 is a product information providing service, 0100 is a user contact information providing service, 0101 is a bill payment Can be used as an identifier representing a service. Therefore, the service identifier 91 will be 0101 in this embodiment. Here, it is natural that the number of bits allocated to the service identifier 91 can be changed according to the type of service provided by the service provider server 30 or the need.

The terminal information 93 is a telephone number of the user terminal 10.

The barcode image 95 is a form in which the image pickup unit 11 picks up the barcode 60 and converts the barcode 60 into digital image data. As described above, when the user terminal 10 does not include the decoder 13, If the decoder 13 is provided in the user terminal 10, it is not necessary.

7 is a flowchart illustrating a process of receiving a code pattern in which charge information is recorded.

Referring to FIG. 7, first, the operator server 30 generates code information including fee payer information and fee information corresponding to the payer (S500), and then generates a barcode 60 corresponding to the code information (S500). S510). The operator server 30 stores the generated code information and the barcode 60 in the fee database 40.

When the payer who needs to pay the fee is connected to the operator server 30 through the user terminal 10 to find out the amount of the fee to be paid and the due date of payment, the operator server 30 transmits the charge request message (S520). Extracts the amount of the fee and the due date information from the fee database 40 and transmits it to the user terminal 10.

The user who checks the amount of the fee and the due date transmits a barcode issuing request message to the operator server 30 through the user terminal 10 (S550).

The operator server 30 extracts the barcode 60 corresponding to the user from the fee database 40 based on the received barcode issuing request message and transmits the barcode 60 to the user terminal 10 (S560 and 570).

When the user terminal 10 receives the barcode 60 from the operator server 30, the user terminal 10 displays the barcode 60 on the screen and stores the barcode 60 in the memory (S580).

In the present embodiment, after the operator server 30 generates the barcode 60, the operator server 30 extracts the barcode 60 in response to a request from the user terminal 10 and transmits the barcode 60 to the user terminal 10. However, it is also possible to receive the barcode issuance request message from the user terminal 10 first, and then generate the barcode 60 accordingly. In addition, after the operator server 30 receives the barcode 60 generated from the code issuing server without directly generating the barcode 60, the operator server 30 may transmit the barcode 60 to the user terminal 10 again.

Hereinafter, a process of performing a payment method using a code pattern according to each embodiment will be described in detail.

<First Embodiment>

8 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a first embodiment of the present invention. 8 relates to a case where payment is made by the payment processing device 70.

Referring to FIG. 8, first, the barcode recognition unit 71 provided on one side of the payment processing apparatus 70 reads the barcode 60 displayed on the screen of the user terminal 10 (S800). That is, after the user displays the barcode 60 received and stored from the operator server 30 in FIG. 7 on the screen of the user terminal 10, the user side of the payment processing device 70 such as an ATM machine located in a bank or the like. It comes to the barcode recognition unit 71 provided in the. Then, the barcode recognition unit 71 scans or photographs the barcode 60 and analyzes the barcode 60 to extract code information therefrom (S810).

The code information analyzer 75 provided inside the payment processing apparatus 70 analyzes the code information, extracts user information and fee information therefrom, and transmits the extracted user information and fee information to the payment processing unit 77 (S820).

Then, the payment means input unit 73 in the payment processing device 70 receives a payment means from the user, that is, a means for making a payment, such as a credit card, a bankbook, or cash, and then inputs the input payment means information into the payment processing unit ( 77) (S830).

The payment processor 77 processes the payment based on the received user information, the charge information, and the payment means information (S840). The payment processing process may be performed in the same process as a case of depositing a bank account or the like by inserting a card or bank account into a conventional ATM device, which will be omitted since it is a known technology.

Second Embodiment

9 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a second embodiment of the present invention. The first embodiment is a case where the decoder 13 is provided in the user terminal 10.

First, the user terminal 10 captures the bar code 60 recorded on one side of the paper (S900). For example, after the user selects the bar code 60 menu of the user terminal 10, the user presses the image capturing button to capture the bar code 60 part by the image capturing unit 11 such as a camera provided in the terminal.

The decoder 13 included in the user terminal 10 decodes the captured barcode image to extract code information, and then extracts charge information and operator server information from the code information (S910, S920).

The user terminal 10 accesses the operator server based on the extracted operator server information and transmits a charge request message 90 to the operator server 30 (S930).

The operator server 30 analyzes the service identifier 91 included in the received payment request message to recognize the service type (S540). That is, the code distribution unit 32 in the operator server 30 analyzes the service identifier 91 to recognize that the service type is a product information providing service, and notifies the control unit 34 that the service type is a billing service.

Based on the notification signal from the code distribution unit 32, the control unit 34 in the operator server 30 determines whether the charge information transmitted from the user terminal 10 matches the charge information stored in the charge database. It is determined (S950).

If the amount information does not match, the operator server 30 transmits a non-payment message to the user terminal 10 (S960). If the amount information matches, the operator server 30 sends the user information and the rate to the payment server 80. The payment request message including the information is transmitted (S970).

Finally, the payment server 80 performs the payment processing of the corresponding fee based on the received payment request message (S980), and when the payment processing is completed, transmits a payment completion message to the operator server 30, the operator server ( 30 again transmits it to the user terminal 10 (S990, 995).

Third Embodiment

10 is a flowchart illustrating a process of performing a bill payment method using a code pattern according to a third embodiment of the present invention. The third embodiment is a case where the decoder 13 is not provided in the specific terminal 20.

First, the user terminal 10 captures the bar code 60 recorded on one side of the paper (S1000). For example, after the user selects the bar code 60 menu of the user terminal 10, the user presses the image capturing button to capture the bar code 60 part by the image capturing unit 11 such as a camera provided in the terminal.

The user terminal 10 transmits a fee payment request message 90 including the captured barcode image 95 to the operator server 30 (S1010).

The operator server 30 analyzes the service identifier 91 included in the received bill payment request message to recognize the service type (S1020). That is, the code distribution unit 32 in the operator server 30 analyzes the service identifier 91 to recognize that the type of service is a product information providing service, and recognizes the barcode image 95 included in the received payment request message. The barcode is transmitted to the image analyzer 33.

The barcode image analyzer 33 analyzes the received barcode image, extracts code information, and then transmits the extracted code information to the code information analyzer 35 (S1030).

The code information analyzer 65 analyzes the received code information and extracts user information and fee information corresponding to the code information (S1040). That is, the code information analyzer 65 extracts the user information and the fee information corresponding to the received code information from the fee information database 70 by referring to the fee information database 40.

The operator server 30 transmits a payment request message including the extracted user information and fee information to the payment server (S1050).

Finally, the payment server 80 performs a payment processing of the corresponding fee based on the received payment request message (S1060), and when the payment processing is completed, transmits a payment completion message to the operator server 30, the operator server ( 30 again transmits it to the user terminal 10 (S1070, 1080).

In the present embodiment, the mobile terminal using a wireless communication network has been illustrated and described, but it is also possible to receive the above-described product information providing service using a wired or wireless telephone or a public telephone.

In addition, although the present embodiment has been described as being limited to the purchase of online products in electronic commerce, it can be applied to the case of purchasing various paid contents online.

According to the present invention, a billing apparatus using a code pattern that allows a mobile terminal to download a code pattern in which charge information is recorded via wireless Internet and scan it with a code pattern reader of an ATM provided in a bank or the like to easily pay a fee. And a method thereof.

In addition, it is possible to provide a bill payment device and a method using a code pattern without the risk of losing paper by eliminating the need to carry paper by paying a fee using the code pattern.

In addition, it is possible to provide a bill payment device and a method using a code pattern that can be charged on the wireless Internet by transmitting the code pattern attached to the paper to the operator server after imaging with a terminal.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (19)

In the payment method using a code pattern in the user terminal, Receiving a payment notice message from a service provider server; Accessing the service provider server based on the access information included in the payment notification message; Transmitting a code pattern issuing request message for receiving a code pattern including code information in which user information and fee information are recorded to the operator server; And Receiving a code pattern image from the operator server, wherein the operator server generates code information including the user information and fee information, and generates a code pattern image corresponding to the code information. How to pay the fee using the code pattern. The method of claim 1, The method may further include transmitting the received code pattern image to a code pattern recognition unit provided at one side of a payment processing device. The code pattern recognizing unit reads the code pattern image, extracts the fee information and the user information, and transmits the fee information to the payment processing device. The method of claim 2, The code pattern recognition unit is a bill payment method using a code pattern, characterized in that the barcode reader. The method of claim 2, The payment processing device is a bill payment method using a code pattern, characterized in that any one of ATM or CD device. In the payment method using a code pattern in the user terminal, Photographing a code pattern image attached to one side of a paper by an imaging unit provided in the user terminal; Analyzing the code pattern image to extract code information corresponding to the code pattern image, wherein the code information includes fee information and operator server information; Analyzing the code information to extract the fee information and the operator server information; Transmitting a fee payment request message including user information and the fee information to a provider server corresponding to the extracted operator server information; And Receiving a payment completion message from the service provider server, wherein the service provider server transmits a charge payment request message to a payment server and then receives a fee payment completion message from the payment server; How to pay the fee. The method according to claim 1 or 5, The code information payment method using a code pattern characterized in that it further comprises billing information. The method of claim 5, wherein And displaying the extracted fee information on a screen of a user terminal. The method according to claim 1 or 5, The code pattern is a bill payment method using a code pattern, characterized in that the two-dimensional barcode. The method according to claim 1 or 5, The user terminal payment method using a code pattern, characterized in that at least one of a mobile phone, PDA, computer. In the payment processing method using the code pattern in the payment processing device, Reading a code pattern image displayed on a screen of the terminal; Analyzing the code pattern image to extract corresponding code information; Extracting user information and fee information included in code information and transmitting the same to the payment processing unit; Receiving payment means information and transmitting the payment means information to the payment processing unit; And And a payment processing corresponding to the input payment means information. The method of claim 10, The payment method Credit card, debit card, cash card, cash payment method using a code pattern, characterized in that any one of. In the payment method using the code pattern in the operator server, Receiving a code pattern issuing request message including user information from a terminal; Extracting fee information corresponding to the received user information; Generating code information corresponding to the user information and the fee information; Generating a code pattern image corresponding to the code information; And Transmitting the generated code pattern image to the terminal, The code pattern image displayed on the screen of the terminal is read by the payment processing device and the payment process using the code pattern, characterized in that the payment processing for the fee is performed. In the payment method using the code pattern in the operator server, Receiving a billing request message including user information and fee information from a user terminal, wherein the terminal includes a decoder capable of decoding a code pattern image and includes a code pattern image including fee information and operator server information; Extracting the code information by capturing the image, decoding the same, and extracting the service provider server information included in the code information to access the service provider server; Checking whether the transmitted user information and the rate information and the user information and the rate information stored in the rate database match; And And performing payment processing for the fee when the transmitted information and the information stored in the fee database match each other. In the payment method using the code pattern in the operator server, Receiving a charge request message including a code pattern image from a user terminal, wherein the code pattern image includes charge information and is captured by an image pickup unit included in the user terminal; Analyzing the received code pattern image and extracting code information corresponding thereto; Extracting user information and fee information corresponding to the code information by referring to a fee database; And A payment method using a code pattern comprising the step of performing a payment processing for the fee. The method according to claim 13 or 14, Generating code information including user information and fee information corresponding to the user; And And generating and storing a code pattern image corresponding to the code information. The method according to claim 13 or 14, The billing request message The bill payment method using a code pattern, characterized in that it further comprises a service identifier for indicating the type of service. The method of claim 16, Analyzing the service identifier; And Recognizing that the service type is a fee payment service further comprises a billing method using a code pattern. The method according to claim 13 or 14, The payment processing step for these charges Transmitting a payment request message including user information and fee information to a payment server; And The payment method using a code pattern further comprising the step of receiving a payment complete message from the payment server. In the bill payment device using a code pattern, A code pattern recognition unit configured to read a code pattern image displayed on a screen of the terminal and extract code information corresponding thereto; A code information analyzer for extracting user information and fee information included in the code information; A payment means input unit for receiving input of payment means information for bill payment; And And a payment processor configured to perform a payment process corresponding to the user information, the fee information, and the input payment means information received from the code information analyzer.