KR20050082248A - System and method for providing electronic payment using electronic money - Google Patents

Abstract

The present invention relates to a payment method and system using electronic money to identify the payment provider using a barcode, and to make a payment without leaking their personal information from the payer.

The present invention provides a cyber bank server including a portable information terminal including a barcode reader, a printed barcode, a user terminal associated with the barcode, and a portable information terminal and a user terminal connected through a communication network and providing a payment service using the barcode. It provides a system for providing a payment means using an electronic money comprising.

According to the present invention, there is provided a payer-oriented payment method and system for paying the price by obtaining the information of the company to be paid by the electronic money payer.

Description

System and Method for Providing Electronic Payment Using Electronic Money}

The present invention relates to a payment method and system using electronic money, and more particularly, to identify a payment company using a bar code, and to enable the payment without paying their personal information on the payer side electronic money It relates to a payment method and system using.

Conventional payment method using electronic money or payment method using credit card or debit card implies the risk that the payer's personal information will be provided even to the recipient of the payment even if the payment is made temporarily for payment. Doing.

A payer who intends to make a payment using a credit or debit card entrusts his or her credit card or debit card to the recipient of the payment to make a payment and is paid after the card company's approval. For example, in order to make a credit card after eating in a restaurant, the owner of the restaurant passes the credit card of the payer and enters the card into the card payment machine to perform the payment. Thus, although temporary, the payer's credit card is under the control of the payee. At this time, there is a possibility that the card payment machine is illegally produced so that the information of the credit card is read to subsequently illegally duplicate the same credit card as the payer's credit card. In addition, even in the case of making a credit card payment after refueling at the gas station, the credit card is under the control of the payee for a predetermined time. As such, placing a credit or debit card under the care of a payee always implies the risk of personal information associated with the credit card being leaked to the payee.

In addition, in the case of the conventional credit card payment, the recipient of the payment had to be provided with a payment terminal such as a credit card payment machine, it was difficult to use such premise payment in a small company such as a hole shop.

In addition, in payment on the Internet, a user inputs his or her personal information and credit card information on the Internet. Therefore, if the payment receiver receiving the credit card information or the like on the Internet uses the credit card information for illegal purposes, an unjust loss may occur to the legal holder of the credit card. In addition, in order to prevent the above problems in the current payment on the Internet, but trying to solve, including a multi-step authentication step, but this has a problem that adds inconvenience to the user by complicating the electronic payment on the Internet. This problem is a huge limitation in the use of electronic money.

Therefore, by overcoming the shortcomings of the conventional payment receiver-oriented payment method and system, to prevent the leakage of the personal information of the payer, the payment method of the payer-oriented payment method to obtain the information of the company that the electronic money payer to pay and pay System is required.

The present invention has been made to improve the prior art as described above, and an object of the present invention is to provide a payer-oriented payment method and system that obtains the information of the company that the electronic money payer to pay.

Still another object of the present invention is to provide a payment method and system using electronic money, which can prevent leakage of payer's personal information and popularize electronic money.

Another object of the present invention, when the payment is made using electronic money, the payment recipient can check whether the payment in real time, and also the money transfer to the payer or the recipient of the payment even when the payment amount is transferred to the account of the payment recipient in real time It is to provide a payment method and system using electronic money that does not charge a fee.

Still another object of the present invention is to provide a payment method and system using electronic money that can be used regardless of the amount of money.

Still another object of the present invention is to allow a small company such as a hole shop to use a payment method using electronic money.

Another object of the present invention is to computerize the transaction information to increase the transparency of the transaction, to achieve fairness, such as tax collection.

Another object of the present invention to provide a payment method using electronic money that can be performed very simply, to provide a payment method and system that enables people who are not familiar with electronic commerce to easily perform payment using electronic money. will be.

In order to achieve the above object and to solve the problems of the prior art, the present invention provides a portable information terminal including a barcode reader, a printed barcode, the user terminal associated with the barcode and the portable information terminal and the user terminal through a communication network The present invention provides a system for providing a payment means using electronic money, including a cyber bank server for providing a payment service using the barcode. The cyber bank server may be configured to correspond to a subscriber, name of the subscriber, contact information of the subscriber, balance data associated with the subscriber, barcode data associated with the subscriber, a receiving bank associated with the subscriber, and an account of the receiving bank. An account database for maintaining at least one or more account data, a portable information terminal communication unit for receiving a payment request including barcode data corresponding to the barcode and payment amount data from the portable information terminal, and a user of the portable information terminal from the payment request. A user authentication unit for identifying a user and authenticating the user, subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal with reference to the account database, and receiving the received barcode data. In response to the transfer of processing by the receiving bank that received the corresponding bank payment portion and the transfer processing to the user terminal includes a user terminal communication for transmitting data as to whether the payment and remittance data processing.

According to one aspect of the present invention, the account database further includes data regarding whether or not the automatic transfer, and the payment unit from the balance data corresponding to the user of the portable information terminal when the automatic transfer is not set Processing for subtracting the amount of money data and increasing the balance data corresponding to the bar code data by the amount of payment data.

According to still another aspect of the present invention, an electronic money recharge request including the account data and the recharge amount data associated with the user is received from the user of the portable information terminal, and the remittance value data is remitted to the account data. It further includes a general bank server.

According to another aspect of the invention, maintaining the balance data associated with the subscriber in the first account database in response to the subscriber, the data corresponding to the receiving bank and the account of the receiving bank corresponding to the barcode data in the second account database Maintaining, at the mobile information terminal including a barcode reader, receiving a payment request including barcode data and payment amount data; identifying a user of the portable information terminal from the payment request; Authenticating the user, identifying balance data corresponding to the user of the portable information terminal with reference to the first account database, and identifying an account corresponding to the received barcode data with reference to the second account database. Identifying phase Subtracting the payment amount from the balance data, the data corresponding to the user of a portable information terminal, and a step of processing the transfer to the account of the receiving bank of the receiving bank that corresponds to the received barcode data.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

1 is a diagram illustrating a network connection of a portable information terminal, a user terminal, a cyber bank server, and the like according to the present invention. In the present invention, the cyber bank server 106 is connected to the portable information terminal 101, the user terminal 102 and the general bank server 105 through the communication network 104.

Bar code is a code or code system that expresses information using an array pattern of black lines (bars) and white lines (spaces) having various widths. The bar code has a binary bit value of 0 or 1 according to the width of the bar and the space, and displays predetermined information by using the combination of the bar and the space. A bar code reader is required to decode the information displayed as a bar code, which is also called a bar code reader. Bar code readers optically recognize printed bar codes and convert them into digital data that can be read by a computer.

The portable information terminal 101 is a device capable of recognizing a printed barcode 103 including a barcode reader (barcode reader). Image of the printed barcode 103 by a built-in barcode recognition chip or a camera mounted on the portable information terminal 101, and recognizes the captured barcode through a barcode recognition program built in the portable information terminal 101 do. The barcode reader included in the portable information terminal 101 may be a barcode reader commonly used in the prior art. For example, Korean Patent Laid-Open Publication No. 2002-29953 discloses a portable information terminal having a barcode reading function. The portable information terminal may be used as the portable information terminal of the present invention.

The portable information terminal 101 is a generic term for portable and communication information terminals such as mobile phones and PDAs. The portable information terminal 101 of the present invention can be constructed by embedding a barcode recognition program in a mobile phone equipped with a camera. In the present invention, the portable information terminal 101 is a component used by the payer who pays the price.

The user terminal 102 is a component used by a receiver for receiving a payment and may or may not be portable. However, communication should be possible in connection with the communication network. When the payer pays, the payment amount or information about the payment is transmitted from the cyber bank server 106 to the user terminal 102. The user terminal may be a mobile phone, a personal computer, a PDA, a cash machine with a communication function, or the like.

Bar code 103 is in printed form and is associated with the user terminal 102 of the recipient receiving the payment. In other words, the bar code 103 becomes a code for identifying the recipient who receives the price. Recipients receiving the payment may be given a barcode 103 with a business registration number when registering their business in the public office. Alternatively, if a business operator performing a predetermined business wants to receive the service according to the present invention, the barcode 103 may be given by applying to the service provider providing the service of the present invention. Bar code 103 is a code that uniquely identifies each operator, it is not issued in duplicate. As such, issuance of a barcode according to the present invention may be performed by a government, a certification authority, or a service provider of the present invention.

The payer who has to pay the bill for a certain amount of money enters the bar code 103 assigned to the receiver by using his portable information terminal 101, and also inputs the amount of information to be paid. Then, the bar code data and the amount information corresponding to the bar code are transmitted to the cyber bank server 106.

For example, after a payer refuels 40,000 won at a gas station, an employee of a gas station presents the bar code of the gas station to the payer. Then, the payer inputs the bar code using the portable information terminal he / she carries, and also inputs the payment amount of 40,000 won to the cyber bank server 106 to make a payment request. In addition, the bar code may be presented by the employee, or by attaching the bar code to various locations of the gas station so that the payer can easily perform the payment. In the same way, after the payer finishes a meal in a restaurant, payment can be made in the same way. In this case, the barcode can be attached to the dining table, menu board or wall of the restaurant to facilitate the payment of the payer. In the case of online internet payment, instead of inputting a credit card number or the like on a web page of the Internet, the user outputs his or her barcode for performing a payment to an internet shopping mall company on the web page. The purchaser can then perform the payment by inputting the barcode using his portable information terminal. As described above, according to the present invention, the personal information of the buyer is not transmitted to the billing company, thereby protecting the personal information.

The payment method according to the present invention can also be used for transactions between individuals. For example, A, an individual, applies for and receives a barcode that identifies himself and attaches the barcode to his portable information terminal. If the individual person needs to pay 100,000 won to A, the reader can read the barcode of A using his portable information terminal and input the barcode information and the payment amount information of 100,000 won. When the payment is completed, information that 100,000 won has been deposited on the portable information terminal of the party is displayed. When the portable information terminal of A is a mobile phone, the payment completion information is transmitted to the portable information terminal of A by using a text message function. According to this invention, the payer's personal information is not delivered to the payee, but rather the recipient's information is delivered to the payer. Thus, the risk of leakage of the payer's personal information is eliminated.

The portable information terminal 101 or the user terminal 102 is connected to the cyber bank server 106 via the communication network 104. In this case, the communication network used by the portable information terminal 101 and the cyber bank server 106 and the communication network used by the user terminal 102 and the cyber bank server 106 may be different from each other. In addition, the communication network 104 includes all kinds of communication networks that allow two nodes, such as a mobile communication network and the Internet, to communicate with each other.

The cyber bank server 106 receives a payment request from the portable information terminal 101 and performs a payment operation according to the payment request. That is, the amount to be paid is subtracted from the account balance of the user's account of the portable information terminal 101, and the amount to be paid is transferred to the recipient's account. The recipient's account may be an account maintained at the cyber bank server 106 or may be an account of a general bank. The cyber bank server 106 then transmits the information regarding the transfer to the user terminal 102 of the receiver. The recipient can then confirm the transfer in real time. According to the present invention, since the recipient of the price can confirm the payment in real time, it is possible to ensure the stability of the payment. The configuration of the cyber bank server 106 will be described in more detail later with reference to FIG. 2.

Since the payment is made using the balance of the user maintained in the cyber bank server 106, the user needs to charge the balance of the cyber bank server 106 in order for the payment to be performed. To this end, the user may access the general bank server 105 and perform the account transfer to the cyber bank server 106 to charge the balance of the cyber bank server 106. To this end, the cyber bank server 106 may be given a bank code for bank transfer. In addition, an account number of the cyber bank server 106 may be assigned to the user. The charging may be performed using a personal computer of the user, or may be performed using the portable information terminal 101 of the user. When charging using the portable information terminal 101 of the user, the portable information terminal 101 transmits a request for charging electronic money to the general bank server 105. The electronic money recharge request includes account data and recharge amount data of the cyber bank server 106 associated with the user. Then, the general bank server 105 transfers the remittance amount to the account data. The cyber bank account recharging method according to the present invention may use various methods related to the recharging of money other than the above method. For example, the deposit may be made offline, or the credit card payment limit may be approved in advance, and the cyber bank server 106 may be charged as much as the payment limit. In this case, when the user requests a payment, payment of the credit card is automatically performed accordingly.

2 is a block diagram showing the internal configuration of a cyber bank server according to the present invention.

The cyber bank server 200 according to the present invention includes an account database 201, a portable information terminal communication unit 202, a user authentication unit 203, a payment unit 204, and a user terminal communication unit 205.

The account database 201 corresponds to the subscriber, name of the subscriber, contact information of the subscriber, balance data associated with the subscriber, bar code data associated with the subscriber, data about whether to send money automatically, the receiving bank associated with the subscriber and the Maintain at least one account data relating to the account of the receiving bank.

The account database of the present invention will be described with reference to FIG. 3, which shows an example of an account database according to the present invention. The account database 300 includes an account identifier 301, a subscriber's name 302, subscriber's contact information 303, balance data 304, barcode data 304, data 306 on whether to send money automatically, and the above. Maintain a plurality of account records, including information about the receiving bank 307 associated with the subscriber and the account 308 of the receiving bank.

The account identifier 301 is a code for identifying each account and may be used as an account number. For example, the account identifier 301 may be used as the account number of the cyber bank server when charging from the general bank server described in the above embodiment.

The subscriber's name field 302 contains the subscriber's name subscribed to the service of the present invention. If the subscriber is an individual, it is the name of the individual.

The subscriber contact field 303 contains contact information of a subscriber subscribed to the service of the present invention. Although FIG. 3 illustrates a phone number as contact information, other contact information such as address information other than the phone number may be stored.

The balance data field 304 includes balance information of the account of the cyber bank server 106 for each subscriber. In the case of an AB convenience store with an account identifier 300, the balance data field 304 is empty. This is a case where the AB convenience store uses the payment service but does not use the payment service in connection with the present invention. That is, a user who purchases an item at an AB convenience store using the present invention may use the barcode data assigned to the AB convenience store to pay the AB convenience store, but the AB convenience store may use the present invention to pay other subscribers. Cannot be performed. In order for an AB convenience store to make a payment to another subscriber using the present invention, it must replenish the balance of its account. In the case of Hong Gil-dong having an account identifier of 100, since the balance data is 1 million won, payment using the present invention is possible within the range of 1 million won. If the cyber bank server 106 receives a payment request for an amount exceeding the balance data, the cyber bank server 106 notifies the user that the payment request has exceeded the balance, so that additional charges may be performed. do.

Barcode data field 305 includes barcode information assigned to each subscriber. Hong Gil-dong, the account identifier 100, does not have barcode information, because Hong-gil-dong performs payment using the present invention but does not receive payment. Since the present invention can also be used for interpersonal transactions, Hong should be given bar code data in order to use the reception of the price according to the present invention.

The automatic remittance status field 306 includes information on whether to automatically remit to a normal bank other than the cyber bank server. If automatic remittance is not set, the payment amount data is subtracted from the balance data corresponding to the payer, and the balance data corresponding to the receiver is increased by the payment amount data. In other words, if automatic remittance is not set, the payment procedure is terminated only by the operation in the cyber bank server 106. For example, since the XO restaurant with an account identifier of 200 does not set up automatic remittance, the amount paid to it increases the balance data field in the account database 300.

If automatic remittance is set or not, the payment amount data is subtracted from the balance data corresponding to the payer, and the payment amount data is remitted to the receiving bank account of the receiving bank corresponding to the receiver. For example, the AB convenience store with an account identifier of 300 sets up automatic remittance, so the amount paid to him is transferred to 351-2351-235 account of Kookmin Bank. In the present invention, the remittance to another bank in real time as described above. In addition, even when remitting to another bank in real time as described above, the transfer fee is not added to the subscriber separately. The operator of the cyber bank server 106 may run a financial business based on the amount of money charged, and process the remittance fee and the like using the profit of the financial business. Therefore, according to the present invention, it is possible to perform the deposit to the recipient of the payment in real time without imposing a wire transfer fee on the sender.

According to another embodiment of the present invention, the account database may further include information such as business registration number, E-mail address, business name, social security number.

Although the account database has been described as using one database in this embodiment, it may be composed of two or more databases including two or more of each field included in the account database.

2, other components of the cyber bank server 106 are described.

The portable information terminal communication unit 202 communicates with the portable information terminal 101 such as receiving a payment request including barcode data corresponding to a printed barcode and payment amount data from the portable information terminal 101. According to another embodiment of the present invention, the portable information terminal communication unit 202 transmits the information regarding the payment completion to the portable information terminal 101 when the payment is completed. In addition, the portable information terminal communication unit 202 transmits this information to the portable information terminal 101 when the amount requested for payment is smaller than the balance data.

The user authentication unit 203 identifies the user of the portable information terminal 101 from the payment request received from the portable information terminal 101 and authenticates the user. For example, when the portable information terminal 101 is a mobile phone, the phone number information of the mobile phone is received from a mobile communication provider, and it is checked whether the phone number is a valid phone number.

According to another embodiment of the present invention, a user inputs a password from a user in order to perform a payment according to the present invention. For this purpose, the cyber bank server 106 includes an authentication database (not shown), which stores a password for each user. The cyber bank server 106 identifies the user who made the payment request from the payment request and identifies the user's password using the authentication database. The user is authenticated if the password entered from the user matches the identified password. Authentication of the user by the password may be performed at an appropriate step in the implementation procedure of the present invention. For example, after all preparations for payment are completed, user authentication may be performed by requesting input of the password in a final confirmation step. According to another embodiment of the present invention, user authentication using fingerprint recognition may be performed.

The payment unit 204 deducts the payment amount data from the balance data corresponding to the user of the portable information terminal 101 with reference to the account database 201 and of the receiving bank of the receiving bank corresponding to the received barcode data. Send money to your account. In addition, when the automatic remittance is not set, the balance data of the account database 200 corresponding to the received barcode data is increased.

In response to the remittance processing, the user terminal communication unit 205 transmits the payment amount data and data relating to whether or not the remittance processing is performed to the user terminal 102 associated with the printed barcode 103. By this component, the recipient of the payment can check the payment processing history information in real time. According to another embodiment of the present invention, the cyber bank server 106 maintains the payment processing history information, and the payment receiver accesses the cyber bank server 106 through the Internet to query the payment history in real time. In this case, you can automatically calculate your daily sales.

4 is a flowchart illustrating a procedure of a payment method using electronic money according to the present invention.

In step 401 the cyber bank server 106 maintains balance data associated with the subscriber in the first account database corresponding to the subscriber. In this embodiment, the account database is divided into a first account database and a second account database, where the first account database holds data relating to the payer and the second database holds data relating to the payee.

In step 402 the cyber bank server 106 maintains in the second account database data relating to the receiving bank and the account of the receiving bank in correspondence with the barcode data. This is to perform a remittance to the receiving bank when a payment request is received.

In step 403, the cyber bank server 106 receives a payment request including barcode data and payment amount data from the portable information terminal 101 including the barcode reader. The bar code data is bar code data of a company that has received a payment. For example, referring to FIG. 3, when Hong Gil-dong buys an item at an AB convenience store and pays 500 won, Hong Gil-dong inputs a barcode of an AB convenience store using his portable information terminal. The barcode of the AB convenience store is attached to the checkout counter or the wall of the AB convenience store. Hong Gil-dong also enters his payment amount of 500 won. Then, the barcode data of the AB convenience store (for example, 3463266123244) and the payment amount data of 500 won are transmitted to the cyber bank server 106.

In step 404 the cyber bank server 106 identifies the user of the portable information terminal 101 from the payment request. When the portable information terminal is a mobile phone, the user is identified using the phone number of the mobile phone. For example, when the portable information terminal used by Hong Gil-dong is a mobile phone, the phone number information of the mobile phone is transmitted to the cyber bank server 106 through the server of the mobile communication company. At this time, the telephone number is 012-345-6789. Then, the cyber bank server 106 identifies that the user who made the payment request using the phone number is Hong Gil-dong. According to another embodiment of the present invention, the user may directly input information for identifying herself.

In step 404 the cyber bank server 106 authenticates the user of the portable information terminal 101. Authentication may require a user to enter a password and may be performed using the password. The cyber bank server 106 requests a password input from the portable information terminal of Hong Gil-dong. Hong Gil-dong inputs a password, and the cyber bank server 106 authenticates Hong-gil-dong through the authentication unit. Although authentication is described as performing in step 404 in this embodiment, it may be performed in other steps.

In step 405, the cyber bank server 106 identifies the balance data corresponding to the user of the portable information terminal with reference to the first account database. The cyber bank server 106 identifies balance data in the identified payer's account. Referring to the embodiment of Figure 3, the balance data of Hong Gil-dong is 1 million won. The cyber bank server 106 terminates the payment process when the amount requested for payment is greater than the balance data, and notifies the portable information terminal of the user who requested the payment. In the above embodiment, since the balance data of Hong Gil-dong is larger than the requested amount of payment, the payment process is continued.

In step 406 the cyber bank server 106 identifies the account corresponding to the received barcode data with reference to the second account database. For example, the barcode data input by Hong Gil-dong is " 3463266123244 ", and when it is used to identify the bill recipient, it becomes an AB convenience store.

In step 407, the cyber bank server 106 determines whether the subscriber of the account corresponding to the bar code data has set up an automatic transfer. In the case of the AB convenience store in Figure 3, the automatic transfer was set. To this end, the second account database may include data regarding whether to send money automatically.

If automatic remittance is set in step 407, in step 408 the cyber bank server 106 subtracts the payment amount data from the balance data corresponding to the user of the portable information terminal and corresponds to the received barcode data. Remittance processing to the account of the receiving bank of the receiving bank. For example, a balance of 500 million won is deducted from Hong Gil-dong's balance data of 1 million won, and 500 won is remitted in real time to 351-2351-235 account of Kookmin Bank, a receiving bank with an AB convenience store. The present invention does not impose a wire transfer fee relating to the remittance processing. However, according to another embodiment of the present invention, when the amount of the remittance is small, the remittance may not be allowed to another bank, but may be remitted only when the predetermined amount is more than the predetermined amount. According to this embodiment, it is possible to prevent the occurrence of excessive account transfer fee. However, in the present invention, it is preferable to process the remittance without a wire transfer fee regardless of the amount of money. In addition, the amount charged in the cyber bank server 106 can be withdrawn at any time.

If no automatic transfer is set in step 407, then in step 409 the cyber bank server 106 identifies the user corresponding to the received barcode data. The balance data of the user corresponding to the barcode data is identified with reference to the first account database. The payment processing is performed by subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal and increasing the balance data of the user corresponding to the bar code data by the payment amount data.

In step 410, the cyber bank server 106 transmits the payment amount data and data relating to whether or not the transfer is processed to the user terminal 102 of the payment receiver in response to the transfer processing. For this purpose, the cyber bank server 106 maintains data about the user terminal associated with the barcode data. For example, when the transfer is completed from the account of Hong Gil-dong to the Kookmin Bank account of the AB convenience store, the cyber bank server 106 sends a text message indicating that the transfer is completed to the mobile phone stored in association with the AB convenience store. Then, the payee can check the payment in real time.

According to another embodiment of the present invention, the account database may include the payer's credit card information. In this case, the payer can make a payment using a credit card that is not in the balance data range. That is, the payer enters the barcode of the payee and selects the cash payment or the credit card payment. When the cash settlement is selected, the payment is deducted from the payer balance data according to the embodiment described above. However, when the credit card payment is selected, the payment using the credit card is performed using the credit card information stored in the account database. The credit card information may be a type of credit card, a credit card number and an expiration date. In this case, for payment by credit card, the payer may approve the final payment by entering the password of the credit card.

According to another embodiment of the present invention, the user can access the cyber bank server 106 at any time to check his balance data in real time.

Embodiments of the invention also include computer-readable media containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The medium or program instructions may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

The apparatus and tools described above are well known to those skilled in the computer hardware and software arts. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention.

According to the present invention, there is provided a payer-oriented payment method and system for paying the price by obtaining the information of the company to be paid by the electronic money payer. In addition, according to the present invention, it is possible to prevent the leakage of personal information of the payer and to popularize the electronic money.

In addition, according to the present invention, when the payment using the electronic money is performed, the payment recipient can check whether the payment in real time, and also the money transfer fee to the payer or the bill recipient even though the payment amount is remitted to the account of the payment recipient in real time. Provided is a payment method and system using electronic money that does not charge. In addition, according to the present invention, users can use a payment method and system using electronic money that can be used regardless of the amount of money.

In addition, according to the present invention, by providing a payment method using electronic money that can be performed very simply, even those who are not familiar with electronic commerce can easily perform payment using electronic money.

In addition, according to the present invention, even a small company such as a hole shop can use a payment method using electronic money. That is, even in a case such as a hole shop, a stand, a street vendor, if only a printed barcode identifying itself is provided, payment using electronic money is possible using the present invention. Thus, the use of electronic money can be dramatically popularized.

In addition, according to the present invention, by computerizing the transaction information to increase the transparency of the transaction, it is possible to achieve fairness, such as tax collection. That is, according to the present invention, since the present invention can be applied to a small amount of transactions, it is possible to trace all transactions and thus to make the transaction transparent.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention. For example, in place of the printed bar code of the present invention, a printed form of a cover that can identify a business operator and a portable information terminal equipped with a reader capable of reading the cover may be used. It is included within the scope.

1 is a diagram illustrating a network connection of a portable information terminal, a user terminal, a cyber bank server, and the like according to the present invention.

2 is a block diagram showing the internal configuration of a cyber bank server according to the present invention.

3 illustrates an example of an account database in accordance with the present invention.

4 is a flowchart illustrating a procedure of a payment method using electronic money according to the present invention.

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

101: portable information terminal

102: user terminal

103: printed barcode

105: normal bank server

106: Cyber Bank Server

201: account database

202: portable information terminal communication unit

203: user authentication unit

204: payment unit

205: user terminal communication unit

Claims (8)

In the system for providing a payment means using electronic money, A portable information terminal including a barcode reader; Printed barcodes; A user terminal associated with the barcode; And A cyber bank server connected to the portable information terminal and the user terminal through a communication network and provides a payment service using the barcode. Including, The cyber bank server, Maintain at least one account data corresponding to the subscriber, name of the subscriber, contact information of the subscriber, balance data associated with the subscriber, barcode data associated with the subscriber, a receiving bank associated with the subscriber and an account of the receiving bank; Account database; A portable information terminal communication unit configured to receive a payment request including barcode data corresponding to the barcode and payment amount data from the portable information terminal; A user authentication unit identifying a user of the portable information terminal from the payment request and authenticating the user; A payment unit for subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal with reference to the account database, and remittance processing to the account of the receiving bank of the receiving bank corresponding to the received barcode data; And A user terminal communication unit for transmitting the payment amount data and data relating to whether or not to process the remittance to the user terminal in response to the remittance processing; Payment system using electronic money, characterized in that it comprises a. The method of claim 1, The account database further includes data regarding whether to send money automatically, The payment unit, When the automatic remittance is not set, the payment amount data is subtracted from the balance data corresponding to the user of the portable information terminal, and the balance data corresponding to the barcode data is increased by the payment amount data. Payment system using electronic money. In the system for providing a payment means using electronic money, Maintain at least one account data corresponding to the subscriber, name of the subscriber, contact information of the subscriber, balance data associated with the subscriber, barcode data associated with the subscriber, a receiving bank associated with the subscriber and an account of the receiving bank; Account database; A portable information terminal communication unit configured to receive a payment request including barcode data corresponding to a printed barcode and payment amount data from the portable information terminal; A user authentication unit identifying a user of the portable information terminal from the payment request and authenticating the user; A payment unit for subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal with reference to the account database, and remittance processing to the account of the receiving bank of the receiving bank corresponding to the received barcode data; And A user terminal communication unit for transmitting the payment amount data and data relating to whether or not the remittance is processed to the user terminal associated with the printed bar code in response to the remittance processing; Payment system using electronic money, characterized in that it comprises a. The method of claim 3, A general bank server that receives an electronic money recharge request including the account data and the recharge amount data associated with the user from the user of the portable information terminal and transfers the recharge amount data to the account data; Payment system using electronic money further comprises. In the method for providing a payment means using electronic money, Maintaining balance data associated with the subscriber in a first account database in response to the subscriber; Maintaining data relating to a bar code data in a second account database for a receiving bank and an account of the receiving bank; Receiving a payment request including barcode data and payment amount data from a portable information terminal including a barcode recognizer; Identifying a user of the portable information terminal from the payment request; Authenticating the user of the portable information terminal; Identifying balance data corresponding to the user of the portable information terminal with reference to the first account database; Identifying an account corresponding to the received barcode data by referring to the second account database; Subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal and remitting to the account of the receiving bank of the receiving bank corresponding to the received barcode data; Payment method using electronic money, characterized in that it comprises a. The method of claim 5, Maintaining data relating to the user terminal associated with the bar code data received from the portable information terminal; And Transmitting the payment amount data and data regarding whether or not to process the remittance to the user terminal in response to the remittance processing; Payment method using an electronic money characterized in that it further comprises. The method of claim 5, The second account database includes data regarding whether to send money automatically, Identifying whether a user corresponds to the received barcode data when the automatic remittance is not set; Identifying balance data of the user corresponding to the barcode data with reference to the first account database; And Subtracting the payment amount data from the balance data corresponding to the user of the portable information terminal and increasing the balance data of the user corresponding to the barcode data by the payment amount data Payment method using an electronic money characterized in that it further comprises. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 5 to 7.