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1. WO2012070856 - PAYMENT SYSTEM USING A MOBILE COMMUNICATION TERMINAL, AND METHOD THEREFOR

Publication Number WO/2012/070856
Publication Date 31.05.2012
International Application No. PCT/KR2011/008948
International Filing Date 23.11.2011
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
G06K 9/18 2006.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
9Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
18using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
CPC
G06Q 20/027
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
027involving a payment switch or gateway
G06Q 20/20
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/3276
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
327Short range or proximity payments by means of M-devices
3276using a pictured code, e.g. barcode or QR-code, being read by the M-device
G06Q 20/425
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
42Confirmation, e.g. check or permission by the legal debtor of payment
425using two different networks, one for transaction and one for security confirmation
Applicants
  • 주식회사 하렉스인포텍 HAREX INFOTECH INC. [KR]/[KR] (AllExceptUS)
  • 박경양 PARK, Kyung Yang [KR]/[KR] (UsOnly)
  • 정훈준 JUNG, Hoon Joon [KR]/[KR] (UsOnly)
Inventors
  • 박경양 PARK, Kyung Yang
  • 정훈준 JUNG, Hoon Joon
Agents
  • 특허법인 지명 JIMYUNG PATENT FIRM
Priority Data
10-2010-011763624.11.2010KR
Publication Language Korean (KO)
Filing Language Korean (KO)
Designated States
Title
(EN) PAYMENT SYSTEM USING A MOBILE COMMUNICATION TERMINAL, AND METHOD THEREFOR
(FR) SYSTÈME DE PAIEMENT UTILISANT UN TERMINAL DE COMMUNICATION MOBILE, ET PROCÉDÉ À CET EFFET
(KO) 이동통신 단말기를 이용한 결제 시스템 및 그 방법
Abstract
(EN)
The present invention relates to a payment system and to a method therefor, in which a mobile communication terminal acquires a store ID and other detailed information regarding a purchase in the form of image information or barcode information, and serves as a main agent for requesting payment approval from a financial institution using the acquired image information or barcode information. According to the present invention, the approval of the payment for commercial transactions by a variety of payment means such as prepayment, payment with a debit card, deferred payment such as a payment with a credit card, deferred payment such as a payment for a communication charge, payment with a gift card or ticket, payment with mileage, a bank transfer, etc. can be carried out without the need for providing a counterpart, i.e. a store, with personal financial information.
(FR)
La présente invention concerne un système de paiement et un procédé à cet effet où un terminal de communication mobile acquiert un ID de magasin et d'autres informations détaillées concernant un achat sous la forme d'informations d'image ou d'informations de code-barres, et sert d'agent principal pour demander l'approbation de paiement auprès d'une institution financière en utilisant les informations d'image ou les informations de code-barres acquises. Selon la présente invention, l'approbation du paiement pour des transactions commerciales par une variété de moyens de paiement tels que le paiement anticipé, le paiement par carte de débit, le paiement différé tel qu'un paiement avec une carte de crédit, le paiement différé tel qu'un paiement pour un coût de communication, le paiement avec une carte-cadeau ou un ticket-cadeau, le paiement au kilométrage, un virement bancaire, etc. peut être effectuée sans avoir besoin de fournir à une contrepartie, à savoir un magasin, des informations financières personnelles.
(KO)
본 발명은 이동통신 단말기가 가맹점 ID와 함께 상세한 각종 구매정보를 영상 정보 또는 바코드 정보의 형태로 획득하고, 획득한 영상 정보 또는 바코드 정보를 이용하여 결제 승인 주체로서 금융기관에 결제 승인을 요청한다. 이러한 본 발명에 의하면, 개인금융정보를 거래 상대 즉, 가맹점측에 제공하지 않으면서, 선불결제, 직불결제, 카드결제와 같은 후불결제, 통신과금결제와 같은 후불결제, 티켓 등 상품권 결제, 마일리지 결제, 송금 등 다양한 결제수단에 의한 상거래의 지급결제 승인을 가능하게 한다.
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