KR20140038697A - Method and system for the financial settlement that used a radio communication terminals - Google Patents

Abstract

The present invention relates to a wireless communication terminal, and a system and method for financial settlement using the same. The system comprises: a wireless communication terminal including a barcode acquisition unit which acquires a two-dimensional barcode of a seller including account and amount information of the seller for purchasing goods, a barcode recognition unit which recognizes the account and amount information of the seller by means of the acquired two-dimensional barcode, and a payment processing unit generated for processing payment corresponding to the goods purchased by the barcode acquisition unit; and a financial company server which receives, from the wireless communication terminal, payment reception information to process payments corresponding to the goods purchased. [Reference numerals] (200) Financial institution server; (300) Seller; (AA) Two-dimensional barcode; (BB) Recognize an image code; (CC) Generate an image code; (DD) Payment data; (EE,FF) Payment result

Description

Wireless communication terminal and financial settlement system and method using same {Method and System for The financial settlement that used a Radio communication terminals}

The present invention relates to a wireless communication terminal and a financial settlement system and method using the same, which are generated by a seller and a producer, include a merchant code, merchant information and article information of a seller and a product producer, and a unique number of the article information. It relates to a wireless communication terminal using a 2D barcode included and a financial settlement system and method using the same.

As a commercial society proceeds to a credit society using credit cards instead of cash, payment using credit cards is becoming more common. Credit cards are issued by banks or credit card companies to those who earn a certain amount of income. However, in reality, unlimited credit cards are issued to minors or ineligible persons who have no income, resulting in mass production of credit defectors who cannot pay the amount paid using credit cards. To solve this problem, the government is taking strict restrictions on the issue of credit cards.

In addition, payment of a small amount using a credit card is mandatory. Since payments are made by both banks and credit card companies in payment of a small amount, it is a cause of dissatisfaction for both credit card merchants and consumers. Card merchants also avoid small payments due to high fees.

In addition, since it takes a long time to process a small amount of payment using a credit card, it also causes trouble for the merchant's business.In addition, it is used in many service shops that are not credit card merchants because the card payment is processed only at the credit card merchant. There was this impossible inconvenience.

In addition, since it is impossible to transfer small funds using a credit card, users must use a bank to transfer money to lend or receive money. This is not possible even after abandoning a product purchase or a desire to purchase due to a lack of balance after a product purchase.

Meanwhile, with industrialization, barcodes are used for fast and accurate input of information.

There is a limit to the amount of information that can be represented by a bar code, and recently 2D bar codes with increased information amount compared to areas have been used. Bar codes, 2D barcodes, etc. are called image codes. Currently, 2D barcodes standardized by the International Organization for Standardization (ISO) include QR codes, data matrices, maxi codes, PDF-417, and the like.

These image codes are widely used in the field of factory automation, logistics tracking, identity verification, defense, etc.However, the method of loading the product information in the image code to enable the consumer to obtain the product information quickly and accurately is proposed. The process of entering the account number, credit card number, password, etc. for the payment still causes inconvenience to consumers.

The present invention is to solve the above problems, an object of the present invention is the transmission of electronic money, electronic vouchers corresponding to the limit that the user can pay in cash or credit payment using a two-dimensional bar code that can be transmitted through wireless communication The present invention provides a payment service system and method using a two-dimensional bar code that can be used to transmit or purchase goods only at designated points.

Another object of the present invention is a payment service system using a two-dimensional barcode that can more easily perform the goods payment service according to the purchase of goods through a two-dimensional barcode using a mobile service or a wireless Internet of the mobile phone owned by most users And to provide a method.

The present invention relates to a wireless communication terminal, comprising: a wireless communication terminal storing a financial account and credit card information for an item payment processing, comprising: a 2D barcode of a seller including account and amount information of the seller for purchase of the item; A bar code acquiring unit for acquiring, a bar code recognizing unit for recognizing the account and amount information of the seller by the obtained two-dimensional bar code, a payment processing unit generated for payment processing according to the purchase of goods by the bar code recognizing unit, and It characterized in that it comprises a communication module for transmitting the payment information according to the goods purchase by the payment processing unit to the financial company server.

In addition, the two-dimensional barcode further includes merchant code and merchant information of the goods seller, the barcode acquisition unit further comprises an image unit for photographing and imaging the two-dimensional barcode, the barcode acquisition unit is photographed by this barcode acquisition unit The apparatus may further include a memory storage configured to store the captured image, wherein the payment information processed by the payment processing unit indicates the cash payment and the credit transfer from the goods purchaser account to the goods seller account.

The present invention relates to a wireless communication terminal and a financial settlement system using the same, comprising: a barcode acquiring unit for acquiring a seller's 2D barcode including the account and the amount information of the seller for the purchase of the article, and the acquired two-dimensional barcode A wireless communication terminal comprising a barcode recognition unit for recognizing the account and amount information of the seller, a payment processing unit generated for the payment processing according to the purchase of the goods by the barcode recognition unit, and the payment according to the purchase of goods from the wireless communication terminal It characterized in that it comprises a financial institution server for receiving payment amount received information to process the amount.

In addition, the two-dimensional bar code is generated by the seller and the producer, and includes a merchant code, merchant information and goods information of the goods seller and the goods producer, the goods information further comprises a product identification number, the two-dimensional bar code It further comprises a goods management server for managing the goods information and goods seller information input, the wireless communication terminal transmits the information according to the goods purchase to the goods management server, the goods management received the information according to the goods purchase The server transmits the information of the goods seller and the goods payment amount to the wireless communication terminal, and the payment information processed by the payment processing unit instructs the transfer of cash payment and credit payment from the goods buyer account to the goods seller account. It is characterized by.

The present invention relates to a wireless communication terminal and a financial settlement method using the same, the method comprising: recognizing a seller's two-dimensional barcode including the seller's account and amount information for the purchase of goods, and generating goods payment information according to the purchase of the goods Transmitting the item information to a financial company server for the payment of goods with the seller of goods according to the purchase of the goods, and the account of the goods seller at the financial company server for payment processing of the transmitted goods information and the amount of goods. And by transferring the goods amount to the buyer's account characterized in that it comprises the step of processing the payment according to the purchase of the goods.

In addition, the two-dimensional bar code is generated by the seller and the producer, and includes a merchant code, merchant information and goods information of the goods seller and the goods producer, the goods information further includes a goods unique number, by the financial company server The payment information processed instructs the transfer of cash payment and credit settlement from the goods purchaser account to the goods seller account, transmitting the information related to the purchase of the goods to the goods management server, and receiving the information according to the goods purchase. And receiving the information of the goods seller and the goods payment amount from a goods management server.

According to the wireless communication terminal and the financial settlement system and method using the same according to the present invention, the payment processing according to the purchase of the goods can be easily processed using the two-dimensional barcode as described above. By this, the information of the seller and the producer can be confirmed, and the merchant code, the merchant information and the goods information of the goods seller and the goods producer can be grasped in advance.

In addition, by photographing a bar code attached to the article, or a bar code on the screen or by selecting a stored producer bar code, there is no need to directly enter a merchant account number, sales amount, user address, etc. for payment of the product.

1 is a diagram illustrating a configuration of a user wireless communication terminal for financial settlement according to an embodiment of the present invention.
2 is a diagram illustrating a system for financial settlement according to an embodiment of the present invention.
3 is a diagram illustrating a method for financial settlement according to an embodiment of the present invention.
4 is a diagram illustrating a financial settlement service system according to an exemplary embodiment of the present invention.
5 is a diagram illustrating a method for financial settlement according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

In addition, the preferred embodiment of the present invention to be carried out below is provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or the system functional configuration commonly provided in the technical field to which the present invention belongs Omit possible, and will be described mainly on the functional configuration to be additionally provided for the present invention.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a diagram illustrating a configuration of a user wireless communication terminal for financial settlement according to an embodiment of the present invention.

Referring to FIG. 1, the configuration of the wireless communication terminal 100 includes a barcode acquisition unit 110, a photographing unit 110a and a memory 110b provided therein, and a barcode recognition unit 120. , A barcode protocol storage unit 130, a display unit 140, a controller 150, a payment information generation unit 160, and a communication module 170.

The barcode acquiring unit 110 includes a photographing unit 110a for capturing and imaging a barcode, and a memory 110b is provided to store the barcode.

The photographing unit 110a photographs a barcode and serves to transfer the image of the photographed barcode to the barcode recognition unit 120.

The photographing unit 110a transmits the photographed bar code to the memory 110b so that the memory 110b transmits the stored bar code to the bar code recognition unit 120 as the bar code is stored.

The barcode acquiring unit 110 transmits the barcode captured by the photographing unit 110a or the barcode stored in the memory 110b to the barcode recognition unit 120 under the control of the controller 150.

The barcode recognition unit 120 recognizes the information included in the barcode, which decodes the barcode to recognize the information included in the barcode, and the barcode protocol storage unit 130 may be used to decode the barcode. The protocol is stored, and the barcode recognizer 120 may decode various types of barcodes using protocols stored in the barcode protocol storage 130.

The barcode recognition unit 120 recognizes product information, production information, sales information, etc. using protocols stored in the barcode protocol storage unit 130, so that the barcode recognition unit 120 includes a product type included in a barcode, Information such as a product name, a product identification number, a producer identification number, a production area, a manufacturing date, an expiration date, a seller identification number, a sale weight, a merchant card merchant, a seller account, the sale amount can be recognized, and a barcode recognition unit ( 120 may obtain necessary information from a product management server managing information about a product through the communication module 150.

The barcode recognition unit 120 transmits the information recognized by the barcode and the information obtained from the product management server to the controller 150, and transmits the product management information to the display unit 140 to display.

The user of the wireless communication terminal 100 may check the product management information displayed on the display unit 140 according to the purchase of goods, and may select whether to proceed with the payment according to the purchase of the goods.

Accordingly, the controller 150 transmits the payment information generation unit 160 to the payment information generation unit 160 according to the command of the wireless communication terminal, and the controller 150 obtains the barcode according to the user's command. The barcode photographed at 110 and the barcode stored in the memory 110b are controlled to be transmitted to the barcode recognizer 120.

The barcode recognition unit 120 transmits the goods management information to the payment information generation unit 160, and stores information such as a user name, user account information, and user credit card information.

The payment information generation unit 160 generates payment information including goods management information and buyer information transmitted from the barcode recognition unit 120, and the payment information generation unit 160 is transmitted from the control unit 150. Check whether the payment is in progress to generate payment information.

The payment information is cash payment and credit payment information indicating a transfer for payment processing of a sale amount from a buyer account registered in a financial institution server to a seller account, and the payment information thus generated is transmitted to the communication module 170. .

The communication module 170 is connected to a wired / wireless communication network. A wired terminal connected to a wired communication network is a generic term for all terminal devices connected to a transmission control protocol / internet protocol (TCP / IP) based communication network. A desktop computer or notebook connected to the base communication network, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP-based communication network, or a TCP / IP-based communication network. It includes a connected kiosk and the like.

Also, the wireless terminal connected to the wireless communication network may be connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High Speed Downlink Packet Access (HSDPA)), or to a portable Internet based on IEEE 802.16x (PCS) connected to the CDMA-based (or HSDPA-based) mobile communication network, or a Global System for Mobile (GSM) mobile terminal connected to the IEEE 802.11x based wireless LAN. a Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or a Personal Digital Assistant (PDA) or a Smart Phone or Telematics, or an IEEE 802.16x A portable Internet terminal connected to the portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is made including, by connecting using such a network to the financial institution server, passing the goods billing information to a financial institution server, and receives a result of settlement from the financial institution server.

2 is a diagram illustrating a system for financial settlement according to an embodiment of the present invention.

Referring to FIG. 1, the financial settlement service system includes a financial institution server 200 that processes a sales amount according to payment information transmitted from a user wireless communication terminal 100 generating payment information using a barcode. do.

The barcode is a seller barcode generated by the seller 300 and includes product information, production information, and sales information. The product information includes information such as product type, product name, product identification number, and the like. Production information includes information such as producer identification number, production region, manufacturing date, expiration date. The sales information includes information such as the seller's unique number, the seller's card merchant, the sales weight, the seller's account, and the sales amount.

Alternatively, the seller image code may be provided separately from the producer image code in which the product information or the production information is recorded and attached to the product. In this case, the seller barcode includes seller information such as a seller unique number, a seller card merchant, a seller account, and a sale amount.

A mobile phone, a personal digital assistant (PDA), a smart phone, or the like, which can photograph and recognize a barcode by the user wireless communication terminal 100, may be used. The user terminal 10 stores user information including a user name, user account information, user credit card information, credit card expiration date, user authentication number, user address, and the like. The user information includes subscriber information, network information, and authentication. And a Universal Subscriber Identity Module (USIM) card in which information and the like are recorded.

If necessary, the user wireless communication terminal 100 accesses the financial institution server 200 using authentication information stored in the USIM card to obtain user information such as user account information and user credit card information from the financial institution server 200. Acquire and store.

The user wireless communication terminal 100 recognizes a bar code, generates payment information using the information and user information included in the bar code, and delivers the payment information to the financial institution server 200, whereby a process is performed.

The payment information may include any one of cash payment information using a wire transfer from a user account to a seller account and credit payment information using a user's credit card. The cash payment information may include seller account information, sales amount, user account information, It may include a user authentication number, a user address, and the like. The credit settlement information may include a merchant card merchant, user credit card information, credit card expiration date, user authentication number, user address, and the like.

The wireless communication terminal 100 may request the user account information, the user credit card information, and the like by accessing the financial institution server 200 with cash payment information or credit payment information based on an authorized certificate. The user wireless communication terminal 10 may receive and store user account information, user credit card information, etc. from the financial institution server 200, and generate payment information using the same.

The financial institution server 200 receives payment information from the wireless communication terminal 100 and performs cash payment or credit payment for the sales amount. That is, the cash settlement information instructs the transfer of the sales amount from the user account registered in the financial institution server 200 to the merchant account, and the credit settlement information uses the credit settlement of the sales amount to the user credit card corresponding to the merchant card merchant. Instructing, the financial institution server 200 transmits the payment result for the payment to the wireless communication terminal 100 and the seller 300.

Therefore, the received payment result may be checked to determine whether cash payment or credit payment for the product to be purchased is properly made, and the seller 300 may check the payment result to confirm whether the order and payment of the product.

As described above, by photographing the bar code of the product to be purchased, order and payment of the product at once without performing the process of entering the seller account number, user credit card number, user authentication number, user address, etc. for payment Is possible.

3 is a diagram illustrating a method for cash payment and credit settlement according to an embodiment of the present invention.

Referring to FIG. 3, when a barcode is a barcode generated by a seller, a cash settlement and a credit settlement process in which a sale amount is settled from a user account to a seller account is processed.

When the barcode is photographed or the stored barcode is selected using the wireless communication terminal, the barcode photographed by the photographing unit 110a or the barcode stored in the memory 110b is transferred to the code recognition unit 120 to recognize the barcode (310). .

In this case, when the payment is made immediately after the photographing of the barcode, the barcode photographed by the photographing unit 110a may be transferred to the barcode recognition unit 120 under the control of the controller 150.

When the payment of the goods is withheld after photographing barcodes for the purchase of a plurality of items, the image codes photographed by the photographing unit 110a are temporarily stored in the memory 110b under the control of the controller 150. A plurality of photographed barcodes are stored in 110b, and a barcode selected from barcodes stored in the memory 110b is transferred to the code recognition unit 120 according to a user's decision later.

The barcode recognition unit 120 decodes a barcode transmitted by the barcode acquisition unit 110 to recognize information included in the barcode. The barcode recognition unit 120 transmits the product information, production information, and sales information included in the image code to the payment information generation unit 160. In particular, the barcode recognition unit 120 includes a merchant account included in the barcode and After confirming the sales amount information, the seller account and the sales amount information are transmitted to the payment information generation unit 160.

The payment information generation unit 160 generates cash payment information and credit payment information by adding user account information, a user authentication number, a user address, etc. to the seller account and the sale amount information transmitted from the barcode recognition unit 120 ( 320).

The generated cash settlement and credit settlement information is transmitted to the financial institution server through the communication module 150 (330).

The cash payment information and credit payment information include the seller account information, the sales amount, the user account information, the user authentication number, the user address, etc., and the financial institution server may include the seller account information and the sales amount included in the cash payment information and the credit payment information. In operation 340, the user account information, the user authentication number, the user address, and the like are checked, and the selling amount is transferred from the user account to the seller account.

The financial institution server transmits the account transfer result of the sales amount to the wireless communication terminal (350). In addition, the financial institution server delivers the result of the account transfer of the sales amount to the seller, so that the seller can confirm whether the corresponding product is ordered or settled.

As described above, the user's photograph of the bar code attached to the product, the bar code of the product displayed on the screen of the Internet shopping mall or TV home shopping, or by selecting a bar code stored in the wireless communication terminal, the seller account number for ordering and cash payment of the product There is no need to manually enter the amount of sales, the user's address, etc.

4 is a diagram illustrating a financial settlement service system according to an exemplary embodiment of the present invention.

Referring to FIG. 4, the financial settlement service system includes a wireless communication terminal 100 for generating payment information using a barcode, a financial institution server 200 for processing a sale amount according to payment information, and article information; It comprises a product management server 400 for managing production information, sales information and the like.

The barcode is a producer barcode generated by the producer 500, the producer barcode includes product information and production information, the product information is information such as product type, product name, product identification number, production information is the producer unique number, Includes information such as production area, date of manufacture and expiration date.

The producer 500 transmits the product information and the production information included in the producer barcode to the product management server 400, and the seller 300 transmits the sales information about the product to the product management server 400.

The merchandise management server 400 corresponds to and manages the merchandise information and production information delivered by the producer 500 in correspondence with the sales information delivered from the seller 300.

The wireless communication terminal 100 recognizes a bar code, delivers the product information included in the bar code to the product management server 400 to receive the sales information of the product from the product management server 400, the wireless communication terminal ( 100 generates payment information using product information, production information, sales information received from the product management server 400 and stored user information included in the barcode, and transmits the generated payment information to the financial institution server 200.

The payment information includes cash payment information using account transfer from the user account to the merchant account and credit payment information using the user's credit card. The cash payment information may include seller account information, sales amount, user account information, user authentication number, user address, and the like. The credit settlement information may include a merchant card merchant, user credit card information, credit card expiration date, user authentication number, user address, and the like.

The financial institution server 200 receives payment information from the user wireless communication terminal 100 and performs cash payment or credit payment for the sales amount, and the financial institution server 200 makes a payment result for cash payment or credit payment. To the user wireless communication terminal 100 and the seller 300 to end a series of processes.

5 is a diagram illustrating a method for financial settlement according to an embodiment of the present invention.

Referring to FIG. 5, when the barcode is a producer barcode generated by a producer, the present invention relates to a cash settlement process and a credit settlement process in which a sale amount is settled from a user account to a seller account.

When the barcode is photographed or the stored barcode is selected using the wireless communication terminal, the barcode captured by the photographing unit 110a or the barcode stored in the memory 110b is transferred to the code recognition unit 120 to recognize the barcode (510). .

At this time, the barcode photographed by the photographing unit 110a is transferred to the barcode recognition unit 120 under the control of the controller 150, and the barcode photographed by the photographing unit 110a is temporarily stored in the memory 110b. .

Accordingly, according to the user's decision, the selected barcode among the barcodes stored in the memory 110b is transferred to the barcode recognition unit 120, and the barcode recognition unit 120 decodes the barcode transmitted from the code acquisition unit 110 to product information. And recognizing the information including the production information, the wireless communication terminal 100 transmits the product information included in the bar code to the product management server (520).

The merchandise management server 400 searches for merchandise corresponding to merchandise information received from the user wireless communication terminal in the stored merchandise list, and transmits the merchandise sales information of the corresponding merchandise to the user terminal (530).

The barcode recognition unit 120 transmits the product information included in the barcode, the production information, and the sales information received from the product management server to the payment information generation unit 160, and the barcode recognition unit 120 includes the product management server ( Check the seller account and the sale amount information included in the sales information received in 400 and delivers to the payment information generation unit 160.

The payment information generation unit 160 generates the cash payment information and the credit payment information by adding the user account information, the user authentication number, the user address, etc. to the seller account and the sale amount information transmitted from the barcode recognition unit 120 (540). ), And is transmitted to the financial institution server 200 through the communication module 170 (550).

The financial institution server 200 checks the seller account information, sales amount, user account information, user authentication number, user address, etc. included in the cash payment information and credit payment information, and pays the sales amount from the user account to the seller account. After processing (560), the payment processing result is transmitted to the user wireless communication terminal 100 (570).

At this time, the financial institution server may receive a receipt for the payment processing of the user and deliver it to the user's wireless communication terminal, and the financial institution server delivers the payment processing result of the sales amount to the seller, so that the seller orders and pays the corresponding product. You can check whether or not.

As described above, by photographing a bar code attached to a product or a bar code on the screen or selecting a stored producer bar code, there is no need to directly input a seller account number, a selling amount, a user address, etc. for payment of the product.

100: wireless communication terminal 110: barcode acquisition unit
110a: the recording unit 110b: memory
120: barcode recognition unit 130: barcode protocol storage unit
140: display unit 150: control unit
160: payment information generation unit 170: communication module
200: financial institution server 400: commodity management server

Claims (14)

In the wireless communication terminal that stores the financial account and credit card information for the goods payment processing,
A barcode acquiring unit acquiring a seller's 2D barcode including information on the seller's account and amount of money for purchasing the goods;
A barcode recognition unit recognizing the account and the amount information of the seller by the obtained two-dimensional barcode;
A payment processing unit generated for payment processing according to the purchase of the goods by the barcode recognition unit; And
The wireless communication terminal and the financial settlement using the same; a communication module for transmitting the payment information according to the purchase of goods by the payment processing unit to the server of the financial company. The wireless communication terminal of claim 1, wherein the two-dimensional barcode further includes merchant code and merchant information of an article seller. The wireless communication terminal and the financial settlement using the same, further comprising: an image unit for photographing and imaging the two-dimensional barcode. According to claim 1 or 3, wherein the bar code acquisition unit further comprises a memory storage unit for storing the image taken by the bar code acquisition unit; Wireless communication terminal and the financial settlement using the same. The wireless communication terminal and the financial settlement using the same, characterized in that the payment information processed by the payment processing unit indicates the transfer of cash payment and credit settlement from the goods buyer account to the goods seller account. A barcode acquiring unit acquiring a seller's 2D barcode including information on the seller's account and the amount of money for purchasing the goods, a barcode recognition unit recognizing the account and the amount information of the seller by the obtained two-dimensional barcode, and the barcode A wireless communication terminal including a payment processing unit generated for payment processing according to a purchase of goods by a recognition unit; And
Financial company server for receiving the payment amount received information to process the payment amount according to the purchase of goods from the wireless communication terminal; Wireless communication terminal and financial settlement system using the same The method of claim 6, wherein the two-dimensional barcode is generated by a seller and a producer, and includes a merchant code, merchant information, and goods information of the goods seller and the goods producer, and the goods information further includes an item unique number. A wireless communication terminal and a financial settlement system using the same. The wireless payment terminal and a financial settlement system using the same according to claim 6 or 7, further comprising a commodity management server for managing the commodity information and commodity seller information input to the two-dimensional bar code. The product management server according to claim 6 or 8, wherein the wireless communication terminal transmits the information regarding the purchase of the goods to the merchandise management server, and the merchandise management server which receives the information according to the purchase of the merchandise is the information of the merchandise seller and the payment amount of the merchandise. And a wireless communication terminal and a financial settlement system using the same. The wireless payment terminal and the financial settlement system using the same, characterized in that the payment information processed by the payment processing unit indicates the transfer of cash payment and credit payment from the goods buyer account to the goods seller account. Recognizing a seller's two-dimensional barcode including information on the seller's account and the amount of money for the purchase of goods;
Generating goods payment information according to the purchase of the goods;
Transmitting goods information to a financial company server for goods payment processing with an item seller according to the goods purchase; And
And processing the payment according to the purchase of the goods by transferring the goods price from the financial institution server to the account of the goods seller in the account of the goods seller for payment processing of the transmitted goods information and the goods price. Terminal and financial settlement method using the same. The method of claim 11, wherein the two-dimensional barcode is generated by a seller and a producer, and includes a merchant code, merchant information, and goods information of the goods seller and the goods producer, wherein the goods information further comprises an article unique number. A wireless communication terminal and a financial settlement method using the same. The wireless communication terminal and the financial settlement using the same, characterized in that the payment information processed by the financial company server instructs the transfer of the cash payment and credit settlement from the goods buyer account to the goods seller account. The method of claim 11 or 12, further comprising the steps of: transmitting information regarding the purchase of goods to the merchandise management server; And
Receiving the information of the goods seller and goods payment amount from the goods management server that received the information according to the purchase; Wireless communication terminal and a financial settlement method using the same further comprising.

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