KR20080037928A - Terminal having a chip liquidation function, chip liquidation system and chip liquidation method - Google Patents

Abstract

A terminal equipped with a chip payment function, a chip payment system, and a chip payment method are provided to improve a user's convenience by promptly using various kinds of gift certificates, which are read from a chip attached to the gift certificate by using a sensor embedded in the terminal, as a payment tool. A terminal(4) authenticates various kinds of gift certificates(2) attached with an electronic chip(1) by reading unique information stored in the electronic chip, stores the gift certificates as a payment tool, authenticates information of a bill(3) by reading the unique information stored in the electronic chip attached to the bill, and pays a payment amount of the bill with the stored payment tool. A payment server(6) authenticates gift certificate information received from the terminal through the mobile network and transfers the payment amount to a payment account of the bill by using a nominal amount of the authenticated gift certificate when the terminal requests payment. A bill management server(7) authenticates bill information received from the terminal through the mobile network and performs settlement when a billed amount is received through the payment account linked with an authentication number included in the authenticated bill.

Description

Terminal having a Chip liquidation function, Chip liquidation system and Chip liquidation method

1 is an explanatory diagram illustrating a conventional mobile communication system.

2 is an explanatory diagram illustrating a mobile communication system equipped with a chip payment function of the present invention.

3 is an explanatory diagram illustrating the terminal equipment of the present invention.

4 is a flowchart of the present invention.

<Detailed Description of Codes>

1: electronic chip 2: gift certificate

3: “Notice”: 4: Terminal equipment

5: Mobile communication network system 6: Payment processing server

7: Invoice management server 8: Subject control

9: detection sensor unit 10: camera

11: Memory section 12: Wireless module section

 13: Display 14: Handset

15: codec section 16: key panel section

17: base station system section 18: exchange system section

19: Internet 20: Gateway

21: terminal equipment

The present invention relates to a terminal having a chip payment function, a chip payment system, and a chip payment method. Particularly, the present invention obtains unique information from chips attached to various gift certificates or bills, and uses the obtained information to authenticate after payment from a management server. The present invention relates to a terminal having a chip payment function for processing, a chip payment system, and a chip payment method.

In general, the development of Internet communication provides a communication environment in which a user can access the Internet anywhere through a mobile phone, a predetermined PC room providing a dedicated line connection service, and the like. Accordingly, such mobile terminals (laptop computers, palmtop computers, small network computers, etc.) have greatly developed the Internet business, and therefore, it is necessary to develop electronic payment means that can be used in virtual spaces. Money and electronic payment instruments have been developed.

In addition, in modern life, payments are made for regular products such as newspapers, study papers and milk, regular recurring services such as high-speed Internet service, electricity and water, and consumers who cannot pay by credit card When a company purchases a product, the company issues a Jiro invoice to the consumer offline, and the consumer holds the Jiro invoice within a set time period, visits the bank, and pays the jiro directly to the bank. The method is also used.

Then, referring to FIG. 1, an example of a mobile communication system having a conventional payment function as described above is connected to a product purchase site, for example, a sales server 10 through a wireless Internet, to purchase goods and execute a payment procedure. A user terminal 20;

A base station system unit 30 which relays a wireless call signal including an article purchase site access signal of the user terminal 20 and electronic payment according to a specific article purchase;

It includes a billing server 40 for processing the electronic payment according to the purchase of goods of the user terminal 20 via the base station system unit 30.

On the other hand, the goods purchase payment method of the conventional mobile communication system as described above, while accessing the web site that provides the information service to be used by the user of the terminal 20, that is, the sales server 10 while performing a web surfing product or Indicate the intention to use the service and select the use of mobile phone billing from the available payment methods such as direct debit, credit card payment and mobile phone billing. In addition, the sales server 10 requests the mobile phone billing server 40 to pay the purchase intention of the user terminal 20.

Then, the charging server 40 requests the user terminal 20 through the base station system unit 30 information necessary for payment, that is, a telephone number, a resident registration number, and the like of the user terminal 20. When the user of the user terminal 20 inputs and transmits a phone number and a resident registration number of the mobile communication terminal, the charging server 40 authenticates the payment.

At this time, when the billing server 40 performs the payment authentication, the billing server 40 generates an authorization number and transmits it to a wireless telecommunication company (not shown). Accordingly, the wireless telecommunication company transmits the authorization number to the user terminal 20. Send as a text message. Then, after the user terminal 20 purchases the goods by inputting the received approval number, the user charges the product charge to the wireless communication company by adding up the mobile phone fee.

However, the conventional method for purchasing and purchasing goods of a mobile communication system includes, for example, payment by means of payment through a terminal, payment by using banking, internet banking, direct debit, credit card payment, cultural gift certificate, and various gift certificates. Various gift certificates have the disadvantage that they are not worth any more use only once, and credit card payment should be made by visiting a merchant or dealership and paying by using a credit card payment machine. There is a problem that the user of the terminal or paying various utilities and taxes is not only inconvenient but also insecure.

Accordingly, the present invention has been invented to solve the above problems, and can be used as a means of payment immediately on the terminal equipment various vouchers read through the sensor provided in the terminal equipment thereby maximizing the ease of use of the terminal equipment An object thereof is to provide a terminal, a chip payment system, and a chip payment method equipped with a chip payment function.

Still another object of the present invention is a terminal equipped with a chip payment function for maximizing the functionality of the terminal equipment accordingly, since the payment of various utility bills and taxes immediately on the terminal equipment through various gift certificates that are means of payment by the terminal equipment, The present invention provides a chip payment system and a chip payment method.

The present invention for achieving the above object 발명 read and authenticate the unique information of the various gift certificates with the electronic chip is stored as a payment means and read and authenticate the unique information of the bill after payment means stored in advance the payment amount of the bill And terminal equipment for payment processing using;

Payment processing that authenticates the unique information of various gift certificates transmitted from the terminal equipment through the mobile communication network system, and then uses the displayed value of the corresponding gift certificate certified as a payment method when requesting payment of the terminal equipment to the payment account of the bill. A server;

It includes a bill management server for authenticating the unique information of the various bills transmitted from the terminal equipment through the mobile communication network system and settles the bill when the bill is received into the payment account associated with the certification number of the certified bill. It provides a chip payment system.

Another feature of the present invention is a main control unit for controlling the billing amount of the bill is processed through a payment means set after reading and authenticating the unique information of the bill and authenticating the unique information of the various gift certificates installed with the electronic chip. ;

A detection sensor unit for reading unique information from electronic chips installed in various gift certificates and bills according to the leading control signal of the main control unit;

According to the storage control signal of the main control unit provides a terminal having a chip payment function comprising a memory unit for storing and managing the various product rights and bills unique information read by the detection sensor unit.

Furthermore, another feature of the present invention is that when the billing function is set in the terminal equipment, the terminal equipment reads the inherent information of the bill from the electronic chip inserted in the bill, and then the built-in information content of the read bill is sent to the bill management server. After verifying the bill and verifying the contents of the bill,

A payment means approval step of reading the unique information from the electronic chip of the payment means set by the user of the terminal equipment through the detection sensor of the terminal equipment and transmitting the read information to a corresponding payment processing server after the confirmation of the notice contents;

And a payment execution step of processing the payment amount of the invoice already authenticated by the payment processing server to the payment account of the bill using the displayed amount of the corresponding gift certificate authenticated as the payment method by the payment processing server after the payment method approval step. Provides a chip payment method.

In addition, another feature of the present invention is that when the billing function is set in the terminal equipment, the terminal equipment reads the unique information of the bill from the electronic chip inserted in the bill, and then the bill management server reads the intrinsic information of the read bill. Check your billing statement for access to

A payment means approval step of reading the unique information from the electronic chip of the payment means set by the user of the terminal equipment through the detection sensor of the terminal equipment and transmitting the read information to a corresponding payment processing server after the confirmation of the notice contents;

A gift certificate protection authentication step of verifying whether a lost gift card is authenticated through unique information of an electronic chip embedded in various gift certificates during the payment means approval step to execute the anti-theft and reissue;

After the payment means confirmation step provides a chip payment method comprising a payment execution step of processing the payment of the bill already authenticated by the payment processing server that authenticates the currently set payment method.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

The present invention reads the unique information (including gift certificate authentication number and gift certificate amount information) of the various gift certificates (or credit card, including: 2) with the electronic chip 1 is installed as shown in FIG. After reading and verifying the unique information (including bill certification number, fee history and payment account information) of the bill (including bill and utility bills), the payment amount of the bill (3) is processed using the pre-stored payment method. A terminal device 4 for controlling and executing radio call processing;

A mobile communication network system (5) which accesses the wireless Internet address required by the terminal equipment (4), authenticates unique information of various gift certificates (2) and bills (3) and relays the response signal to the corresponding terminal equipment (4). and;

After authenticating the unique information (including the gift certificate authentication number and the gift certificate amount information) of the various gift certificates 2 transmitted from the terminal equipment 4 via the mobile communication network system 5, the payment is made upon the payment request of the terminal equipment 4. A payment processing server 6 for processing payment by the payment account of the bill 3 using the displayed amount of the corresponding gift certificate 2 authenticated by the means;

Authenticate the unique information (including bill certification number, fee breakdown and payment account information) of various bills transmitted from the terminal equipment 4 via the mobile communication network system 5 and link with the authentication number of the certified bill (3). If the amount of the payment is deposited into the payment account is configured to include a bill management server (7) to process the settlement.

Here, the terminal equipment 4 includes a PDA with a wireless module, a notebook with a wireless module, a PC with a wireless module, and a mobile phone. In addition, the bill management server (7) is a server that can be integrated management when providing the bills of various government offices and public institutions, services provided by the general company and put the unique information of the bill issued in return for the computer program In addition, the bill management server 7 may settle the bill amount deposited into the payment account of the certification number of the bill to the issuer of the bill.

In addition, the payment processing server 6 is the unique information (including gift certificate authentication number and gift card amount information) of the various gift certificates (2) uploaded through the computer program from the issuer that issued the various gift certificates (2) and credit card issuers Integrate and manage the unique information of the credit card uploaded through the computer program, such as credit card authentication number and card expiration date information, and then perform the authentication procedure when the external information requires authentication of such information for payment. It can perform the function of transferring the authorized amount to the corresponding payment account for the authenticated payment request.

In addition, the terminal equipment 2 can be connected to the payment processing server 6 and bill management server 7 by the wireless Internet menu function of the mobile communication network system 5, or the unique information of the gift certificate (2) and It can be provided in the unique information of the bill (3).

In addition, the terminal equipment 4 reads and authenticates the unique information (including gift certificate authentication number and gift certificate amount information) of various gift certificates (including credit card: 2) in which the electronic chip 1 is installed as shown in FIG. Function to store and read the unique information (including bill certification number, bill history and billing account information) of bills (including bill bill and utility bill bill); A main control unit 8 for controlling a function of processing a billing amount and controlling overall function of the terminal equipment 1;

A detection sensor unit 9 for reading the unique information from the various gift certificates (including credit card: 2) and the electronic chip 1 installed on the bill 3 in accordance with the leading control signal of the main controller 8;

Unique information (including gift certificate authentication number and gift certificate amount information) of the various gift certificates (including credit card: 2) read by the detection sensor unit 9 according to the storage control signal of the main control unit 8 and the uniqueness of the bill 3 A memory unit 11 which stores and manages the data captured by the camera 10 and the data received from the mobile communication network system 5 including information (including bill authentication number, fee details and payment account information);

According to the transmission control signal of the main control unit 8, the authentication and payment signals of various gift certificates 2 and bills 3 are transmitted to the corresponding servers 6 and 7 via the wireless Internet via the mobile communication network system 5. And a radio module unit 12 for processing radio call signals (including multimedia signals) including video and audio signals transmitted and received by the terminal equipment 4;

A display 13 for externally displaying display signals of authentication and payment signals of various gift certificates 2 and bills 2 processed by the terminal equipment 1 according to the display function control signal of the main controller 8;

A codec unit 15 for converting an analog voice signal input through the handset phone 14 into a digital signal or converting a digital voice signal into an analog signal according to a call connection control signal of the main controller 8;

The key panel unit 16 is connected to one end of the main control unit 8 so as to input a function setting signal of the user to the main control unit 8.

Here, when the credit card is set as a means of payment, the terminal equipment 4 uses unique information of the credit card, for example, credit card authentication number and card expiration date information, from the electronic chip provided in the credit card through the detection sensor unit 9. After reading and the like transmitted to the payment processing server 6, the bill can be used to process the billing amount of the bill (3) certified by the bill management server (7).

On the other hand, the mobile communication network system 2 is a calling party subscriber to the wireless call signal (including voice call signals, various gift certificates 2 and bills and the authentication and payment signals of the bill 2) transmitted from the terminal equipment (1) A base station system unit 17 for authenticating the information of the subscriber station and relaying the authenticated subscriber information to the next step of the network;

An exchange system unit 18 which analyzes the originating subscriber information input through the base station system unit 17, obtains the other party's telephone number (or Internet IP address) to be routed, and loads it in a routing message to route the corresponding call;

It is provided between the exchange system unit 18 and the Internet 19 and includes a gateway 20 for converting and outputting a mobile communication network signal into an Internet IP signal, while converting and outputting an Internet IP signal into a WML signal of a WAP method.

Here, the electronic chip 1, for example, RFID chip, magnetic chip, any chip that can read the unique information embedded in the form of a bar code is utilized.

In addition, the terminal equipment 4 is a unique information (including gift certificate authentication number and gift certificate amount information) of various gift certificates (including credit card: 2) detected through the detection sensor unit 9, bills (bill bills, utility bills) Including: 3) an external memory device (not shown) for storing unique information (including bill certification number, fee details and payment account information) externally, for example, a USB or external hard disk.

Next, a control method applied to the above apparatus will be described.

As shown in FIG. 4, the method of the present invention proceeds to the bill reading function setting checking step S2 in the initial state S1 to check whether the bill reading function is currently set. At this time, if the current bill reading function is not set as a result of checking the bill reading function setting checking step (S2), the terminal equipment general function execution step (S3) is executed to execute the general function provided in the terminal equipment.

That is, when power is applied to the terminal equipment 4 of the present invention, the main controller 8 of the terminal equipment 4 proceeds to an initialization state and forms necessary information from the internal memory unit 11 to execute the initialization process. Proceed to the next waiting state.

At this time, the main control unit 8 of the terminal equipment 4 recognizes when the user inputs a telephone number through the key panel unit 16 and presses a call button, and the user inputs the telephone number into the memory unit 11. In addition to the storage, the system performs connection to the mobile communication network system 5 using the access channel through the wireless module unit 12, and then transmits an outgoing signal to the corresponding telephone number.

Then, the mobile communication network system 5 authenticates the outgoing signal transmitted from the terminal equipment 4, separates the routing information included in the outgoing signal, and transmits the incoming call to the counterpart terminal 21 to form a call. .

At this time, when the user of the terminal equipment 4 inputs the voice signal through the handset phone 14, the codec unit 15 of the terminal equipment 4 signals the voice signal input through the handset phone 14; Processing is input to the wireless module unit 12. In addition, the wireless module unit 8, which receives the function control of the main control unit 8 of the terminal equipment 4, wirelessly processes the voice signal input through the codec unit 15 to communicate with the other party via the mobile communication network system 5. Since the transmission to the terminal 21 makes a normal call.

On the other hand, if the current bill reading function is set to the terminal equipment as a result of checking during the bill reading function setting check step (S2), the process proceeds to the bill reading step (S4) and the terminal equipment reads the unique information of the bill from the electronic chip inserted in the bill. To save it. Then, after the bill reading step (S4), proceed to the bill content checking step (S5) to access the billing server's built-in information content (including bill authentication number, fee history and payment account information) read by the terminal equipment. Save it as a certificate.

In addition, after the bill reading step (S5) proceeds to the payment means setting confirmation step (S6) and the terminal equipment receives the payment means to settle the payment amount of the bill is confirmed from the user of the terminal equipment.

Here, the payment means setting confirmation step (S6) further comprises a credit card setting step in which the payment means is set to a credit card. In addition, the payment means setting confirmation step (S6) further includes a gift certificate setting step in which the payment means is set to various gift certificates.

On the other hand, after the payment means setting confirmation step (S6) proceeds to the payment means confirmation step (S7) and the unique information (gift certificate authentication number and gift certificate from the electronic chip provided in the payment means set by the user of the terminal equipment through the detection sensor of the terminal equipment) After reading the amount information), the read information is transmitted to the payment processing server for authentication.

In addition, if the user of the terminal equipment requests a payment after the payment means checking step (S7), the terminal proceeds to the payment execution step (S8) and the terminal equipment is authenticated using the displayed value of the corresponding gift certificate certified as the payment method through the payment processing server. The billing account of the bill is used to settle the billed amount of the bill.

Here, the payment execution step (S8) further includes a parallel payment step of processing the payment by simultaneously using a variety of gift certificates and credit cards authenticated at the same time.

In addition, the payment execution step (S8) further includes an email sending step of sending a payment history or payment confirmation message attached to the E-mail by the user's selection to the billing issuer.

Here, another embodiment of the present invention further includes a gift certificate protection authentication step of executing the anti-theft and reissue by verifying whether or not the lost gift certificate through the unique information of the electronic chip embedded in the various gift certificates.

In other words, when the user of the terminal equipment 1 receives the terminal equipment 1 into which the electronic chip 1 is inserted or various tax or utility bills 3 and sets the payment menu thereof, the main control unit of the terminal equipment 1 (8) reads the unique information (including bill certification number, bill details and payment account information) from the electronic chip 1 installed in the various bills (3) through the detection sensor unit 9 and stores it in the memory unit (11) do. Then, the main control unit 8 of the terminal equipment 1 receives the base station system unit 17, the exchange system unit 18, the gateway of the mobile communication network system 5 so as to authenticate the unique information of the read bill 3. (20) and the bill management server 7 via the Internet 19.

Here, the method for the terminal equipment 4 to access the bill management server 7 uses a wireless Internet service menu provided by the mobile communication network system 5 or a bill management server embedded in a unique number of the bill 3. Access can be made using the Internet site address in (7).

On the other hand, the bill management server 7 at the issuer who issued the bill for the contents of the unique information (including the authentication number and fee details) of the various bills transmitted from the terminal equipment 4 via the mobile communication network system 5. It checks whether it is correct by comparing with the uploaded unique information and transmits the authentication response information to the corresponding terminal equipment 4 when the unique information requesting the authentication is authenticated as correct.

Then, the main control unit 8 of the terminal equipment 4 displays on the screen of the display 13 that the details of the bill 3 is authenticated from the bill management server 7 and then immediately, the display 13 The terminal device user is asked which payment method to use on the screen of, for example, which voucher or credit card is used to pay the amount of the notice of the currently authorized bill (3).

In this case, the user of the terminal equipment 4 sets, for example, a gift certificate 2 which he has as a means of payment on the menu screen of the display 13, and moves the detection sensor unit 9 of the terminal equipment 4 to the corresponding gift certificate. If the electronic chip 1 of (2) is close to the main control unit 8 of the terminal equipment (4) through the detection sensor unit 9, the unique information of the gift certificate (2) from the electronic chip (1) (gift certificate authentication) Number and gift voucher amount information) is read and stored in the memory unit 11.

Then, the main control unit 8 of the terminal equipment 4, the base station system unit 17, the exchange system unit 18 of the mobile communication network system 5 for authenticating the unique information of the read gift certificate (2), The gateway 20 and the Internet 19 are connected to the payment processing server 6 for transmission.

In this case, the terminal device 4 accesses the payment processing server 6 by using a wireless Internet service menu provided by the mobile communication network system 5 or a payment processing server embedded in a unique number of the gift certificate 2. Access can be made using the Internet site address in (6).

On the other hand, the payment processing server (6) is to send the contents of the unique information (including gift certificate number, gift certificate amount and authentication number) of the gift certificate transmitted from the terminal equipment (4) via the mobile communication network system (2) at the issuer of the gift certificate. After confirming that the information is correct by comparing with the unique information previously uploaded through the computer program, if the unique information required for the authentication is certified as correct, the response information approved for the authentication is transmitted to the corresponding terminal equipment (4).

Here, even if a credit card is set as a payment means in the terminal equipment 4, the same authentication process as described above is performed by reading unique information from the electronic chip of the credit card in the same manner as a gift certificate.

On the other hand, if the authentication process is successful through the above process, the main control unit 8 of the terminal equipment 4 displays a message that the authentication was successful on the menu screen of the display 13 to the billing statement payment screen Will move.

In this case, the main control unit 8 of the terminal device 4 selects whether to use the gift certificate 2 or a credit card in parallel to the user of the terminal device through the screen of the display 13 to pay. Requires. Here, the main control unit 8 of the terminal device 4 is a payment request including the case where the user of the terminal device determines the payment means through the key panel unit 16, for example, when setting various types of gift certificates or credit cards that have already been authenticated. Send the information to the payment processing server (6). Then, the payment processing server 6 is billed to the payment account of the bill (3) certified using the displayed amount of the gift certificate (2), for example, authenticated as the payment means according to the payment request information of the terminal equipment (4) After the payment is made in (3), the payment completion message is transmitted to the terminal equipment (4).

At this time, the payment processing server 6, if the displayed amount of the gift certificate (2) is used for payment as described above, and then update the internal unique information, so that later reuse or block the amount of the gift certificate If it remains after payment, it is settled and updated so that the gift certificate can be reused later. In addition, the payment processing server 6 performs the same payment processing through the same method as described above when the various gift certificates and credit cards authenticated at the same time at the same time.

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On the other hand, when the main control unit 8 of the terminal equipment 4 receives the payment completion message from the payment processing server 6 displays the completion details on the display 13 and attaches the bill payment details to the e-mail. Confirm to send to relevant parties, for example, to the relevant Internet site of the billing authority or the terminal equipment billing company.

At this time, the main control unit 8 of the terminal equipment 4, if the user of the terminal equipment to set the billing statement sent to the relevant subjects by e-mail to the e-mail server of the mobile communication network system (5) (Not shown) is sent to the relevant entity, for example, the relevant Office or the terminal equipment billing company that issued the bill.

Here, another embodiment of the present invention transmits the unique information of the electronic chip (1) embedded in the various gift certificates (2) to the bill management server (5) and then authenticates whether it is a lost gift certificate by going through the authentication process Therefore, the anti-theft and reissue of the gift certificate (2) is executed.

As described above, the present invention obtains unique information from chips attached to various gift certificates or bills, and authenticates and processes payment after authentication from a management server using the obtained information, thereby reading various gift certificates through sensors provided in the terminal equipment. Can be used as a means of payment immediately on the terminal equipment has the advantage of maximizing the ease of use of the terminal equipment accordingly.

In addition, according to the present invention, the payment of various utility bills and taxes immediately on the terminal equipment through various gift certificates, which are means of payment by the terminal equipment, thereby maximizing the functionality of the terminal equipment.

Claims (25)

A terminal device that reads and authenticates unique information of various gift certificates installed with electronic chips, stores them as a payment means, reads and authenticates the unique information of a bill, and processes payment using the pre-stored payment means; Payment processing that authenticates the unique information of various gift certificates transmitted from the terminal equipment through the mobile communication network system, and then uses the displayed value of the corresponding gift certificate certified as a payment method when requesting payment of the terminal equipment to the payment account of the bill. A server; It includes a bill management server for authenticating the unique information of the various bills transmitted from the terminal equipment through the mobile communication network system and settles the bill when the bill is received into the payment account associated with the certification number of the certified bill. Chip payment system. The method of claim 1, Chip payment system is configured to include the gift certificate authentication number and the gift certificate amount information in the unique information of the various gift certificates. The method of claim 1, Chip payment system comprising the bill certification number, billing history and payment account information in the unique information of the bill. The method of claim 1, And the payment means comprises a credit card. The method of claim 1, The terminal equipment further comprises an external memory device for storing the unique information of the various gift certificates and the unique information of the various bills detected by the detection sensor unit to the outside. The method of claim 1, The terminal device further comprises an external memory device for storing the unique information of the credit card and the unique information of the various bills detected by the detection sensor unit to the outside. A main control unit that reads and authenticates unique information of various gift certificates installed with electronic chips and controls the notice amount of the bill to be settled through a set payment means after reading and authenticating the unique information of the bill; A detection sensor unit for reading unique information from electronic chips installed in various gift certificates and bills according to the leading control signal of the main control unit; And a memory unit configured to store and manage various product rights and bills unique information read by the detection sensor unit according to the storage control signal of the main control unit. The method of claim 7, wherein The terminal equipment has a chip payment function including a PDA with a wireless module, a laptop with a wireless module, a PC with a wireless module and a mobile phone. The method of claim 7, wherein The terminal having a chip payment function configured to include the gift certificate authentication number and the gift certificate amount information in the unique information of the various gift certificates. The method of claim 7, wherein The terminal is equipped with a chip payment function is configured to include the bill unique information, bill details and billing account information. The method of claim 7, wherein The payment means is a terminal having a chip payment function configured to include a credit card. The method of claim 7, wherein The detection sensor unit is equipped with a chip payment function, characterized in that for reading the unique information of the credit card. The method of claim 7, wherein The electronic chip is a terminal having a chip payment function, characterized in that using an RFID chip. The method of claim 7, wherein The electronic chip is a terminal having a chip payment function, characterized in that using a magnetic chip. The method of claim 7, wherein The electronic chip is a terminal having a chip payment function, characterized in that using a chip of the bar code form. The method of claim 7, wherein The terminal device is a terminal having a chip payment function further comprises an external memory device for storing the unique information of the various gift certificates and the unique information of the various bills detected by the detection sensor to the outside. If the billing function is set in the terminal equipment, the terminal equipment reads the inherent information of the bill from the electronic chip inserted in the bill, and then inserts the built-in information of the read bill into the bill management server and stores the certificate after authentication. Check the content and A payment means approval step of reading the unique information from the electronic chip of the payment means set by the user of the terminal equipment through the detection sensor of the terminal equipment and transmitting the read information to a corresponding payment processing server after the confirmation of the notice contents; And a payment execution step of processing the payment amount of the invoice already authenticated by the payment processing server to the payment account of the bill using the displayed amount of the corresponding gift certificate authenticated as the payment method by the payment processing server after the payment method approval step. Chip payment method. The method of claim 17, And a payment means setting confirmation step of receiving, by the terminal equipment user, a payment means for paying the notice amount of the checked bill after the bill reading step. The method of claim 18, The payment method setting confirmation step further comprises a credit card setting step wherein the payment means is set to a credit card. The method of claim 18, The payment means setting confirmation step further comprises a gift voucher setting step wherein the payment means is set to various gift certificates. The method of claim 17, The payment execution step is a chip payment method further comprises a parallel payment step of using a variety of simultaneously authenticated gift certificates and credit card at the time of payment. The method of claim 17, The payment execution step further comprises an e-mail sending step of sending the billing payment history or payment confirmation message to the e-mail by the user's selection to the billing issuer. If the billing function is set in the terminal equipment, the terminal equipment reads the inherent information of the bill from the electronic chip inserted in the bill, and then inserts the built-in information of the read bill into the bill management server and stores the certificate after authentication. Check the content and A payment means approval step of reading the unique information from the electronic chip of the payment means set by the user of the terminal equipment through the detection sensor of the terminal equipment and transmitting the read information to a corresponding payment processing server after the confirmation of the notice contents; A gift certificate protection authentication step of verifying whether or not a lost gift certificate is verified through unique information of electronic chips embedded in various gift certificates during the payment means approval step to execute anti-theft and reissue; And a payment execution step of performing a payment process by the payment processing server that authenticates the currently set payment means after the payment means checking step. The method of claim 23, wherein The payment execution step is a chip payment method further comprises a parallel payment step of using a variety of simultaneously authenticated gift certificates and credit card at the time of payment. The method of claim 23, wherein The payment execution step further comprises an e-mail sending step of sending the billing payment history or payment confirmation message to the e-mail by the user's selection to the billing issuer.

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