KR20070054777A - Electronic settlement system using mobile bar code and method thereof - Google Patents

Abstract

The present invention easily downloads and stores barcodes on a mobile phone and stores them on the Internet, and when a barcode is stored on a mobile phone at an offline branch office, the payment is made through a mobile carrier payment system without interworking with a bank. The present invention relates to an electronic payment system and a method using a mobile barcode to be billed, and the present invention connects to a server for downloading a mobile membership through the wireless Internet, requests a mobile membership download, and uses a built-in barcode display program. A mobile terminal for displaying the transmitted barcode data in the form of a barcode on the screen, and after the recognition of the barcode displayed on the mobile terminal performs authentication through a barcode authentication unit, and offline to request payment through the communication network for electronic payment When a mobile membership download request is requested from the mobile terminal and the mobile terminal, the mobile membership barcode is generated using the built-in barcode generation program and transmitted to the mobile terminal and service provider server, and the payment is made from the service provider server. Is requested, the mobile terminal service requesting payment approval to the mobile carrier server through the communication network using the mobile number information of the mobile terminal, and receives the payment approval information from the mobile carrier server and sends the payment approval information to the service provider server Have a server.

Description

Electronic payment system and method using mobile barcode {ELECTRONIC SETTLEMENT SYSTEM USING MOBILE BAR CODE AND METHOD THEREOF}

1 is a schematic configuration diagram of an electronic payment system using a mobile barcode according to an embodiment of the present invention.

Figure 2 is a conceptual diagram showing an electronic payment process using a mobile barcode in the present invention.

3 is a block diagram showing an embodiment configuration of a mobile membership service server of FIG.

Figure 4 is a block diagram showing an embodiment configuration of a service provider server of Figure 1;

5 is a flow chart showing a mobile barcode generation process of the electronic payment method using a mobile barcode according to the present invention.

6 is a flow chart showing an electronic payment process in a mobile membership service server of the electronic payment method using a mobile barcode according to the present invention.

7 is a flowchart illustrating a payment process in a mobile communication company server of the electronic payment method using a mobile barcode according to the present invention.

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

100... Mobile terminal

300... Mobile membership service server

340... Controller

350... Membership Management Department

360... Barcode Generator

400... Carrier Server

500... Service provider server

510... Barcode scanner

550... Barcode authentication

570... Payment processing unit

The present invention relates to an electronic payment using a mobile barcode, and in particular, easy to download and store the barcode on the mobile phone on the Internet, and display, and when the offline store recognizes the barcode stored in the mobile phone payment in the carrier payment system without interworking with the bank The present invention relates to an electronic payment system using a mobile barcode and a method for billing through a personal mobile terminal fee.

More specifically, the barcode data is downloaded from a web browser (WAP) of the terminal (eg, a mobile phone) and the barcode image is displayed on the screen of the mobile phone. If you go to a business and present only the barcode image displayed on the screen, and the offline company recognizes the barcode using a barcode reader and approves it in the mobile carrier's payment system, payment is made without interworking with the bank, and the amount is charged for the personal mobile fee. The present invention relates to an electronic payment system using a mobile barcode and a method thereof.

In general, the electronic payment system mainly uses a credit card in the form of a magnetic card, and the small payment system mainly uses a smart card used by mounting an IC card on a mobile phone. The credit card system is a system that stores member information in a magnetic form in an offline company or an ATM and recognizes it in a card reader, and then performs payment in connection with a bank network. In addition, the smart card system is a system in which an IC is mounted on a mobile phone, and the data corresponding to a predetermined amount is stored in the IC, and the payment is recharged when the predetermined amount is consumed while reducing the amount of payment for each small payment. .

However, the general electronic payment system using a credit card and smart card has a problem in that it is inconvenient to carry in the case of a magnetic card type credit card. Also, as the number of credit card companies registered by members increases, the number of credit cards that individual members must possess also increases. It is difficult to carry below, and in the case of smart cards, an IC for storing electronic money must be separately installed inside the mobile phone, resulting in an increase in the price of the terminal, and when a certain amount is consumed, it has to be recharged. .

Recently, in order to solve the inconvenience of carrying and using the credit card and smart card, a payment system using a barcode image in mobile is proposed.

Barcode is a method of defining as one character by combining several using the thickness ratio of the bar-shaped bar arranged in the black part and the white part. A device for reading and decoding such barcodes is called a barcode scanner, and barcodes are widely used to quickly and easily check the price of goods in convenience stores, supermarkets, and large stores.

The prior art for the electronic payment system using a mobile barcode is disclosed in Korean Patent Office Publication No. 2002-0023098 (Invention: Electronic payment system and electronic payment method using the LCD barcode of the mobile terminal), published patent Publication No. 10-2004-0026028 (Invention name: Mobile phone image barcode scanner and order settlement method using the same), Registered Utility Model Publication Date June 17, 2005 (Designation name: Barcode reader for mobile phone attachment) ), Published Patent Publication No. 2003-0056947 (Name of the invention: a barcode generating system and a barcode generating method in a payment system using a mobile communication terminal and a barcode), Published Patent Publication No. 2001-0079211 (name of the invention) : Internet mobile phone barcode authentication and payment system), Korean Patent Laid-Open Publication No. 10-2004-0063420 (name of the invention: the enemy using a mobile barcode Point provides a method and system), Patent Application Laid-Open Patent Publication No. 2001-0090987 (title of the invention: the electronic commerce method using the mobile communication terminal having a bar code reading function and this) is started.

As known in the art, a bar code image is stored in a mobile device, and a product is purchased at a store using the same, and electronic payment is performed by interworking with a credit card company server or a bank server via a mobile communication company server.

In other words, since the authentication is performed by interworking with the credit card company server or the bank server again after passing through the mobile communication company server, the authentication of the mobile communication company and the credit card company or the bank is required again. A loss occurred.

Therefore, the present invention has been proposed to solve various problems occurring in the electronic payment system using the conventional mobile barcode image as described above,

It is an object of the present invention to download and store barcodes on a mobile phone easily on the Internet, and to display and store mobile barcodes. The present invention provides an electronic payment system and a method thereof.

Another object of the present invention is to provide an electronic payment system and a method using a mobile barcode to perform the purchase and payment of goods through a mobile phone using a mobile barcode, and to be charged through a personal mobile terminal fee.

"Electronic payment system using a mobile barcode" according to the present invention for achieving the above object,

In the system for performing electronic payment using a barcode of the mobile terminal through a communication network (wired and wireless Internet, PSTN network, mobile communication network),

A mobile terminal for accessing a server for downloading a mobile membership through the wireless Internet, requesting a mobile membership download, and displaying barcode data transmitted through a built-in barcode display program in a bar code form on the screen;

A service provider server provided in an offline store for recognizing a barcode displayed on the mobile terminal and performing authentication through a barcode authentication unit and requesting payment through the communication network for electronic payment;

When a mobile membership download request is requested from the mobile terminal, a mobile membership barcode is generated using a built-in barcode generation program and transmitted to the mobile terminal and the service provider server, and when the payment is requested from the service provider server, the mobile terminal. The mobile membership service server requests a payment approval to a mobile communication company server through the communication network using the mobile number information, and transmits the payment approval information to the service provider server when the payment approval information is received from the mobile communication company server. Characterized in that configured to include.

Mobile membership service server of the "electronic payment system using a mobile barcode" according to the present invention,

A communication network connection unit for connecting to a wired / wireless Internet, a communication network such as a PSTN network and a mobile communication network;

A keyboard for selecting a function or inputting information according to the needs of an operator;

A monitor for displaying information generated during server operation on a screen or displaying operation status of the server on a screen;

A controller connected to the keyboard and communication network connection unit to perform member and company management, to generate and store barcodes and to authenticate members, and to perform electronic payments in connection with the mobile communication company server during electronic payments;

A member manager connected to the controller and performing a member management function through information management of a member who has requested to download a mobile membership;

A barcode generation unit connected to the controller and generating a mobile membership barcode using a member number, a phone number, and company information in response to the control of the controller;

A company manager connected to the controller and performing a company management function through information management of a company operating a mobile membership in response to the control of the controller;

The database stores the member information, the company information, and the generated barcode information, and stores a program for generating the barcode.

In addition, the "electronic payment method using a mobile barcode" according to the present invention for achieving the above object,

In the electronic payment system consisting of a mobile terminal, a communication network, a mobile membership service server, a service provider server, a mobile carrier server, a method for performing electronic payment using a barcode of the mobile terminal,

The mobile membership service server,

When a mobile membership download request is requested from the mobile terminal, the member information and service provider information are checked, and when the confirmation information is normally recognized, a mobile membership barcode that can be used by the company is generated and transmitted to the mobile terminal and service provider server. First course;

When payment approval is requested from the service provider server, which is an offline store, the mobile terminal performs authentication of a barcode and a phone number transmitted from the service provider, and if the barcode and phone number are registered as a result of the authentication, the mobile number is managed. And a second process of performing an electronic payment in association with a communication company server.

The first step may include a first step of receiving member information and performing authentication when a mobile membership download request is requested from the mobile terminal;

A second step of confirming information of a service provider that provides an actual service for mobile membership if the normal member is a result of performing the first step of authentication;

A third step of generating a bar code using information of the checked service provider, member information, and phone number;

A fourth step of storing the generated barcode in a database;

And a fifth step of transmitting the barcode stored in the database to the mobile terminal and the service provider.

In the second process, when payment approval request information including payment information (barcode information, phone number information, payment amount information) is received from a service provider server which is the offline store, the barcode is read and registered. A first step of confirming recognition;

A second step of notifying the service provider server that payment is impossible if the barcode is not registered as a result of the checking of the first step;

A third step of transmitting payment information to the mobile communication company server when the barcode is registered as a result of the checking of the first step;

A fourth step of analyzing the information transmitted from the mobile telecommunication company server and receiving the reason for non-payment if the approval is not possible and transmitting it to the service provider server;

And if the information transmitted from the mobile communication company server is the approval information, storing the customer payment amount and the phone number information in a database, and transmitting the payment approval information to the service provider server.

Further, in the second process, the mobile telecommunication company server,

A first step of determining whether or not a mobile phone payment is possible after extracting a phone number included in the payment information when payment approval request information including payment information (phone number and customer payment amount) is transmitted from the mobile membership service server;

A second step of notifying the mobile membership service server of the reason for non-payment if the mobile payment is impossible as a result of determining whether the mobile payment in the first step is possible;

As a result of determining whether the mobile payment is possible in the first step, if the payment is possible, the payment approval information is transmitted to the mobile membership service server, and a third step of controlling to charge the customer payment amount to the communication fee.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. If it is determined that the detailed description of the known function or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a view showing the configuration of an electronic payment system using a mobile barcode according to the present invention.

Here, the reference numeral 100 is connected to the server for downloading the mobile membership through the communication network (wired and wireless Internet, PSTN network, mobile communication network) 200 and requests the mobile membership download, and the barcode data transmitted through the built-in barcode display program A mobile terminal that displays a screen in the form of a barcode, which is generally the same as a mobile phone carried by a user, and has a built-in barcode display program to process barcode data received through the wireless internet with the barcode display program to display a barcode image on the screen. Function is added.

Reference numeral 500 recognizes the barcode displayed on the mobile terminal 100 and performs authentication through a barcode authentication unit, and the service provider server provided in an offline store requesting payment through the communication network 200 for electronic payment. Indicates.

As shown in FIG. 4, the service provider server 500 includes a barcode scanner 510 that reads a barcode image displayed on a screen of the mobile terminal 100, and a user input for a user to select or input a specific function. Keyboard 520 as a device, a monitor 530 for displaying a barcode image on the screen or displaying member information, payment amount or payment information on the screen, and for controlling the overall operation of the service provider server 500. The controller 540, the barcode image information is stored, a database 560 in which a program for overall operation control is embedded, and the barcode read by the barcode scanner 510 is compared with the barcode image stored in the database 560. The barcode authentication unit 550 performs authentication of the read barcode, the payment processing unit 570 performing a payment processing function, and makes a payment request through a network. And a network connection 580 for receiving barcode information.

In addition, the reference numeral 300 generates a mobile membership barcode by using the built-in barcode generation program when the mobile membership download request is requested from the mobile terminal 100 and transmits it to the mobile terminal 100 and the service provider server 500, and services When payment is requested from the provider server 500, the mobile terminal server 400 requests a payment approval through the communication network 200 using the mobile number information of the mobile terminal 100, and the payment is received from the mobile carrier server 400. When the approval information is received, it indicates the mobile membership service server that transmits the payment approval information to the service provider server 500.

Here, as shown in FIG. 3, the mobile membership service server 300 provides a communication network connection unit 310 for connection between the wired / wireless Internet, the communication network 200 such as a PSTN network and a mobile communication network, and functions as required by an operator. A keyboard 320 for selecting or inputting information, a monitor 330 for displaying information generated while the server is operating on the screen, or an operation state of the server on the screen, a keyboard 320 and a communication network connection unit 310. Connected with the controller to perform member and company management, barcode generation and storage and member authentication, and electronic payment in conjunction with the mobile carrier server 400 during electronic payment, and connected to the controller 340 And a member management unit 350 which performs a member management function through information management of a member who has requested a mobile membership download, a controller 340, and a member number corresponding to the control of the controller 340. Bar code generation unit 360 for generating a mobile membership barcode using the phone number and the company information, and connected to the controller 340, through the information management of the company operating the mobile membership in response to the control of the controller 340 The company manager 370 performs a company management function, and stores the member information, the company information, and the generated barcode information, and includes a database 380 in which a program for generating a barcode is stored.

In addition, reference numeral 400 is a mobile communication company server, which is the same as a server provided in a typical mobile communication company, and when a payment request is generated from the mobile membership service server 300, the member phone number is extracted to determine whether or not to pay the member. , And transmits the result to the mobile membership service server 300.

The operation of the electronic payment system using the mobile barcode according to the present invention configured as described above will be described with reference to FIGS. 1 to 4 as follows.

First, the present invention, as shown in the conceptual diagram shown in Figure 2, a user performs a simple registration procedure by accessing a site operated by a company that wants to register as a member in the wireless Internet using his mobile terminal 100 Then, the mobile membership service server 300 generates and stores a mobile barcode and transmits barcode image information on the mobile membership to the mobile terminal 100 through a process called sending. The mobile terminal 100 receiving the bar code image information on the mobile membership is stored and displayed on the screen. After that, the user purchases the item at the offline store and displays the barcode image of the downloaded membership card on the screen using the mobile terminal 100 that he carries for payment, and then the service provider server 500 provided at the store. In proximity to the barcode scanner 510, electronic payment is performed through interworking between the mobile membership service server 300 and the mobile communication company server 400 through membership authentication. In other words, the electronic payment using a conventional barcode can be settled only through a credit card company or a bank, so that the payment method is complicated, so that a time loss occurs. Since the electronic payment is made, the time can be shortened in electronic payment, and the complexity of the payment can be eliminated.

In more detail, the user accesses the wireless Internet 200 using the mobile terminal 100 carried by the user, and then accesses the mobile membership service server 300 operated by the company that downloads the mobile membership. do. If the connection is successful, select the mobile membership download function among the functions displayed on the web browser.

When the mobile membership service server 300 is connected to the specific mobile terminal 100 normally through the network connection unit 310, and the mobile membership download request of a specific company, the controller 340 checks the membership registration and registers for membership. If you want to register as a mobile member through the process of registering the member information in conjunction with the member management unit 350. Here, the procedure for checking the membership registration is performed to inform the user that the information fee is charged by performing the guide for the mobile member annual fee, and basic information (name, phone number, etc.) is stored at the time of registration.

When registered as a mobile member, the controller 340 checks whether the mobile membership is downloaded from the company operating the mobile membership in association with the company management unit 370, and the barcode generation unit 360 when the company is registered in advance for issuing the mobile membership. In combination with the member number and phone number to create a bar code image information. The generated barcode image information is stored in the database 380. Here, since the barcode generation method is already known, a detailed description thereof will be omitted.

The mobile barcode image stored in the database 380 is stored in the mobile terminal 100 and the service provider server 500 through the network connection 310.

The mobile terminal 100 stores the transmitted mobile barcode image in the internal memory and displays it on the screen as necessary. The mobile terminal 100 also stores the service provider server 500 in the database 560 and monitors 530 as necessary. Will be displayed on the screen.

On the other hand, when the user carrying the mobile terminal 100 wants to make a payment in order to purchase necessary goods or use the facility in an offline store, the user displays the barcode on the screen of the mobile membership of the corresponding company on the screen and then sends it to the store manager. present.

The store manager may contact the mobile barcode displayed on the mobile terminal 100 with the barcode scanner 510 which is part of the service provider server 500, and the barcode scanner 510 may read the mobile barcode displayed on the mobile terminal 100. Will be read.

Thereafter, the controller 540 compares the mobile membership barcode read by the barcode scanner 510 with the barcode image information stored in the database 560 in cooperation with the barcode authenticator 550 to display the currently read mobile membership barcode database 560. Check if it is registered in.

When the mobile membership barcode read as a result of the check is a bar code that is not registered, the monitor 330 displays information about payment impossible, so that the store manager recognizes it. On the contrary, if the read mobile membership barcode is already registered barcode, normal authentication and interworking with the payment processing unit 570 to generate payment information (member information, phone number, customer payment amount, time information, etc.) It transmits to the mobile membership service server 300 through the network connection 580.

The mobile membership service server 300 stores the transmitted payment information in the database 380 and accesses the mobile communication company server 400 to request payment approval.

At this time, the phone number, member information, customer payment amount, time information, etc. are included in the payment approval request information and transmitted to the mobile communication company server 400.

When the payment information is requested, the mobile telecommunication company server 400 determines whether the payment is approved by checking the registered user information based on the corresponding phone number. In order to approve payment, the approval period is determined by comprehensively evaluating the period of joining the mobile communication network, call charges, and creditability by cooperation between credit institutions through the bank network. And transmits the approval result to the mobile membership service server (300). In this case, if the payment is approved, the payment amount is charged to the communication fee in the future.

The mobile membership service server 300 stores the approval result information in the database 380 and also transmits the approval result information to the service provider server 500.

The controller 540 of the service provider server 500 receives the received information and displays it on the monitor 530. The store manager checks the approval result information displayed on the monitor 530 and terminates the payment if the approval is normal. Print it and pass it to the user. On the other hand, if it is not approved, the user is informed of the reason for the disapproval displayed on the monitor.

5 is a flowchart illustrating a mobile barcode generation process in an electronic payment method using a mobile barcode according to the present invention.

As shown in the drawing, when the mobile membership download request is requested from the mobile terminal 100, a first step (S101 to S103) of receiving member information and performing authentication; A second step (S107) of confirming information of a service provider that provides a real service for a mobile membership when the first step of authentication is performed as a normal member; A third step (S109) of generating a barcode by using the confirmed service provider information, member information and telephone number; A fourth step S111 of storing the generated barcode in the database 380; The bar code stored in the database 380 is transmitted to the mobile terminal 100 and the service provider.

Looking at the mobile barcode generation process made in this way, if the mobile membership service server 300 receives the mobile membership download request information from the mobile terminal 100 in step S101, corresponding to the mobile terminal 100 in step S103 Member information is received, and authentication of the received information is performed in step S105. For example, the mobile terminal 100 determines whether it is a normal terminal, a terminal forbidden to use, or a terminal for which a loss is reported.

As a result of this checking, if the mobile terminal is a normal mobile terminal, the company information is confirmed in step S107. That is, it is checked whether the user performs the actual service for the mobile membership requested by the user.

In the case of a company performing a service for mobile membership, a mobile barcode is generated using a member number, a phone number, and company information in step S109, and the generated mobile membership barcode information is stored in a database in step S111. Here, the method of generating a barcode is various, and the information used to generate the barcode is also diverse. In the present invention, since the mobile membership barcode is not characterized in generating a description of the barcode generation is omitted.

Next, the mobile membership barcode generated in step S113 is transmitted to the mobile terminal 100 and the service provider server 500.

6 is a flowchart illustrating an electronic payment process in a mobile membership service server among electronic payment methods using a mobile barcode according to the present invention.

As shown in the figure, when payment approval request information including payment information (barcode information, phone number information, payment amount information) is received from the service provider server 500 which is an offline store, the barcode is read by reading a barcode. Checking the first step (S201 ~ S205); A second step (S207) of notifying the payment to the service provider server 500 if the barcode is not registered as a result of the first step; A third step (S209) of transmitting payment information to the mobile communication company server 400 when the barcode is registered as a result of the first step; A fourth step (S213, S215) of analyzing the information transmitted from the mobile communication company server 400 and receiving the reason for the impossible payment and transmitting the reason for the payment to the service provider server 500; If the information transmitted from the mobile carrier server 400 is the approval information, the fifth step of storing the customer payment amount and phone number information in the database, and transmitting the payment approval information to the service provider server 500 (S211, S217, S219).

Looking at the electronic payment process made in more detail, payment approval request information including payment information (barcode information, phone number information, payment amount information) is received from the service provider server 500 that is an offline store in step S201 When the bar code is read, the bar code is read from the information received in steps S203 and S205 to confirm whether the bar code is registered.

If the barcode is not registered as a result of the check, go to step S207 to inform the service provider server 500 that the payment is not registered, and informs that the barcode is not registered. If the barcode is registered, the process moves to step S209. The payment information is transmitted to the carrier server 400.

In step S211, it is determined whether the approval information by analyzing the information transmitted from the mobile communication company server 400, and if the result is not approved after receiving the reason for payment in step S213 and provides the service for the reason for the payment in step S215 The company server 500 will be transmitted.

On the other hand, if the information transmitted from the carrier server 400 is the approval information, go to step S217 to store the customer payment amount and phone number information in the database, and in step S219 the payment approval information service provider server 500 Will be sent to.

In this process, the electronic payment can be easily performed only through the interworking between the mobile membership service server 300 and the mobile communication company server 400 for generating the mobile membership barcode.

Meanwhile, as shown in FIG. 7, when the mobile communication company server 400 transmits payment approval request information including payment information (phone number and customer payment amount) from the mobile membership service server 300 as in step S301, After extracting the phone number included in the payment information in step S303, it is determined whether the mobile phone payment is possible in step S305. For example, whether the mobile terminal 100 is a normal terminal, a prohibited terminal, or a terminal that is reported as lost, and comprehensively considering the customer's mobile communication network subscription period, call charges, etc., determine whether the mobile phone payment is possible. do.

Next, when it is determined in step S307 whether the mobile phone payment is possible, if the mobile phone payment is impossible, the mobile payment service server 300 is notified of the reason for the impossible payment by moving to step S309.

On the other hand, if it is determined whether the mobile phone payment is possible, if payment is possible, the payment approval information is transmitted to the mobile membership service server 300 in step S311, and in step S313 it is controlled to charge the customer payment amount to the communication fee.

That is, the mobile service provider server 400 determines whether to pay for the mobile phone based on the credit information of the terminal user, and if it is determined that the mobile phone payment is possible, the customer bills are charged as the communication fee when the mobile communication fee is charged later. Done.

The present invention is not limited to the above-described specific preferred embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims. Of course, such changes will fall within the scope of the claims.

According to the present invention described above, it is easy to download and store the bar code on the mobile phone on the Internet, and if you recognize the bar code stored in the mobile phone in the offline branch office can do the payment in the carrier billing system without interworking with the bank This provides the convenience of electronic payment.

In addition, after the purchase and payment through the mobile barcode using the mobile phone, the payment amount is charged when the personal mobile device charges, there is an advantage that you do not need to prepare a separate bill for the electronic payment fee, and the user Has the advantage of preventing inconvenience due to various bill management and concerns about lost bills in advance.

Claims (7)

In the system for performing electronic payment using a barcode of the mobile terminal through a communication network (wired and wireless Internet, PSTN network, mobile communication network), A mobile terminal for accessing a server for downloading mobile membership through the wireless Internet and requesting mobile membership download, and displaying barcode data transmitted through an embedded barcode display program in a bar code form on the screen; A service provider server provided in an offline store for recognizing a barcode displayed on the mobile terminal and performing authentication through a barcode authentication unit and requesting payment through the communication network for electronic payment; When a mobile membership download request is requested from the mobile terminal, a mobile membership barcode is generated using a built-in barcode generation program and transmitted to the mobile terminal and the service provider server, and when the payment is requested from the service provider server, the mobile terminal. A mobile membership service server for requesting payment approval to a mobile communication server through the communication network using the telephone number information of the mobile phone, and transmitting the payment approval information to the service provider server when the payment approval information is received from the mobile communication server. Electronic payment system using a mobile barcode, characterized in that configured to include. The method of claim 1, wherein the service provider server, A barcode scanner for reading barcode images displayed on the screen of the mobile terminal; A keyboard, which is a user input device for the user to select or enter a specific function, A monitor for displaying a barcode image on the screen or displaying member information, payment amount or payment information on the screen; A controller for controlling the overall operation of the service provider server, A database in which barcode image information is stored and a program for controlling overall operation is embedded; A barcode authentication unit which compares the barcode read by the barcode scanner with the barcode image stored in the database and performs authentication of the read barcode; A payment processing unit that performs payment processing; An electronic payment system using a mobile barcode, comprising a network connection unit for requesting payment through a network and receiving barcode information. According to claim 1, The mobile membership service server, A communication network connection unit for connecting to a wired / wireless Internet, a communication network such as a PSTN network and a mobile communication network; A keyboard for selecting a function or inputting information according to the needs of an operator; A monitor configured to display information generated during server operation on a screen or to display operation status of a server on a screen; A controller connected to the keyboard and communication network connection unit to perform member and company management, to generate and store barcodes and to authenticate members, and to perform electronic payments in connection with the mobile communication company server during electronic payments; A member manager connected to the controller and performing a member management function through information management of a member who has requested to download a mobile membership; A barcode generation unit connected to the controller and generating a mobile membership barcode using a member number, a phone number, and company information in response to the control of the controller; A company manager connected to the controller and performing a company management function through information management of a company operating a mobile membership in response to the control of the controller; Electronic payment system using a mobile bar code, characterized in that for storing the member information, the company information and the generated bar code information, the database for storing the bar code generation program. In the electronic payment system consisting of a mobile terminal, a communication network, a mobile membership service server, a service provider server, a mobile carrier server, a method for performing electronic payment using a barcode of the mobile terminal, The mobile membership service server, When a mobile membership download request is requested from the mobile terminal, the member information and service provider information are checked, and when the confirmation information is normally recognized, a mobile membership barcode that can be used by the company is generated and transmitted to the mobile terminal and service provider server. First course; When payment approval is requested from the service provider server, which is an offline store, the mobile terminal performs authentication of a barcode and a phone number transmitted from the service provider, and if the barcode and phone number are registered as a result of the authentication, the mobile number is managed. Electronic payment method using a mobile barcode, characterized in that comprises a second process for performing an electronic payment in conjunction with a carrier server. The method of claim 4, wherein the first process comprises: A first step of receiving member information and performing authentication when a mobile membership download request is requested from the mobile terminal; A second step of confirming information of a service provider that provides an actual service for mobile membership if the normal member is a result of performing the first step of authentication; A third step of generating a bar code using information of the checked service provider, member information, and phone number; A fourth step of storing the generated barcode in a database; And a fifth step of transmitting the barcode stored in the database to the mobile terminal and the service provider. The method of claim 4, wherein the second process comprises: When the payment approval request information including payment information (barcode information, phone number information, payment amount information) is received from the service provider server which is the offline store, the first step of checking whether the barcode is registered by reading the barcode; ; A second step of notifying the service provider server that payment is impossible if the barcode is not registered as a result of the checking of the first step; A third step of transmitting payment information to the mobile communication company server when the barcode is registered as a result of the checking of the first step; A fourth step of analyzing the information transmitted from the mobile telecommunication company server and receiving the reason for non-payment if the approval is not possible and transmitting it to the service provider server; And a fifth step of storing customer payment amount and phone number information in a database and transmitting payment approval information to the service provider server when the information transmitted from the mobile communication company server is approval information. Electronic payment method used. The method of claim 4 or 6, wherein the mobile communication company server, A first step of determining whether or not a mobile phone payment is possible after extracting a phone number included in the payment information when payment approval request information including payment information (phone number and customer payment amount) is transmitted from the mobile membership service server; A second step of notifying the mobile membership service server of the reason for non-payment if the mobile payment is impossible as a result of determining whether the mobile payment in the first step is possible; As a result of determining whether the mobile payment is possible in the first step, if the payment is possible, the third step of controlling payment to the mobile membership service server and imposing the customer payment on a communication fee is performed. Electronic payment method using a mobile barcode.

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