KR20010008131A - Method for using internet mobile as credit card, and PDA and method of checking price using by the PDA - Google Patents

Abstract

PURPOSE: A method for using internet mobile device as substitute for credit card, and payment method for the same is provided to securely transmit a personal credit data via a personal information terminal, and solve an inconvenience caused by the credit card. CONSTITUTION: A method for using internet mobile device as substitute for credit card, and payment method for the same comprises steps of a user accessing an authority server via the mobile devices, for example, a handheld phone, a smart phone or a PDA(S20), selecting an icon of a card company over a displayed web page(S22), accessing a server of the card company by clicking a corresponding icon(S24), displaying a window for inputting settlement data(S26), inputting a settlement money amount, an ID registered in advance, a search key or a credit card number(S28, S30), clicking a fingerprint input button(S32), inputting a fingerprint on a fingerprint sense window(S34), receiving an approval data from the card company server(S36) and printing the approval result data(S38).

Description

How to use internet mobile as credit card, and PDA and method of checking price using by the PDA}

The present invention provides a method for using a mobile phone, a smart phone, a personal digital assistant (PDA), a palmtop PC, a notebook PC, etc. as a substitute for a credit card, a personal information terminal, and a wired / wireless internet connection. It relates to a payment method used, and more specifically, the card member accesses the server of the authentication company through the Internet mobile, and the member and the affiliated store through a method such as ID and password or voice recognition, image recognition, iris recognition, fingerprint recognition, barcode recognition, etc. After the authentication process, if you enter the amount of card usage, information such as the card number and the amount of card usage stored in the member database of the authentication company's server are sent to the server of the credit card company. How to transfer to your account and adjust your credit card credit amount The present invention relates to a method of using internet mobile as a substitute for a credit card, in which a member does not need to carry a credit card and a merchant does not need a card checker. The present invention relates to a personal information terminal and a payment method using the same to conveniently make a predetermined payment by providing payment information.

In the existing method of using a credit card, members must carry a credit card, and merchants must have a card check to make payment for the payment.

In the credit payment settlement system using a personal wireless Internet mobile phone, when a credit card is settled at a card merchant, the merchant code is entered first, the card company is selected, and then a payment amount is input. And, after entering a card number and then entering a password for the credit card, there is a hassle to make a payment, and there are many security loopholes.

The purpose of the present invention to solve the inconvenience of the conventional method of using a credit card, through the steps of the member and merchant authentication, card usage amount input, member credit information verification, account transfer to the Internet mobile credit card through the Internet mobile To provide a substitute.

Another object of the present invention is to provide a personal information terminal and a payment method using the same, which enables payment of a card amount by providing personal payment information securely through a personal information terminal accessible to the Internet.

Still another object of the present invention is to provide personal payment information through a personal information terminal accessible to the Internet, thereby securely making a card payment for credit purchase, and to provide transaction information for a special purpose such as stock trading. An information terminal and a payment method using the same are provided.

1 is a block diagram of an Internet connection system according to the present invention.

2 is a view showing a process of using the Internet mobile of the present invention as a credit card.

3 is a flowchart showing the process of using the Internet mobile of the present invention as a credit card.

Figure 4 is a block diagram for an embodiment of a payment method using a personal information terminal according to the present invention.

5 is a view showing an example of a terminal for payment using a personal information terminal according to the present invention.

6 is a flowchart of payment using a personal information terminal according to the present invention.

7A to 7C are diagrams illustrating a payment process using a personal information terminal.

8 is a view showing an embodiment of a personal information terminal according to the present invention.

FIG. 9 is a diagram schematically showing a structure for reading an IC card or the like in the example of FIG.

※ Explanation of codes for main parts of drawing

1, 9: authentication server 2, 8: Internet network

3, 6: Member Customers 4, 7: Merchants

5, 12, 20: credit card company server

10: Member and Merchant Authentication DB 11: Merchant Bank Account DB

13: Member Credit Information Database 14: Member and Merchant Transfer History DB

22: card information server 24: fingerprint authentication server

26: PDA 28, 52, 56: flash card

30: credit payment means 32: fingerprint recognition module

34, 48: magnetic card reader 36: fingerprint detection window

38, 50: card insertion groove 40: cable

42: display 44, 62: insertion hole

46: select button 54: IC card reader

58: IC card 60: integrated circuit

Electronic money using the Internet mobile method according to the present invention for achieving the above object, the server of the authentication company through the Internet concept of the overall concept, such as mobile phones, smartphones, PDAs, palmtop PCs, notebook PCs can be connected to the Internet by wired or wireless A first step of connecting to; A second step of receiving a merchant authentication by inputting a merchant ID and a password; A third step of receiving member authentication by inputting a member ID and password; A fourth step of inputting a card use amount; A fifth step of confirming the member's credit information, such as card delinquency, card loss, usage amount, etc. from the server of the credit card company; And a sixth step in which the credit card amount is transferred from the credit card company to the merchant bank account.

The server of the authentication company and the server of the Internet mobile operator are the same or can be mutually interlocked with various databases such as a member authentication database, so that the member and merchant authentication step may be omitted, or only a password input step may be provided for security reasons. The order of the first and second steps may be reversed.

On the other hand, when the Internet mobile has a recognition function such as voice recognition, image recognition, iris recognition or fingerprint recognition, the member and affiliated stores can be authenticated through this recognition function, the Internet mobile has a barcode recognition function When there is a bar code recognition, as well as member and merchant authentication can be received through the bar code recognition function.

The method of using the internet mobile as a credit card substitute may be applied to a cash card or a mileage card.

Personal information terminal according to the present invention for achieving the above object is a display, including a predetermined image, text, and the like, a touch screen for selecting the information, and input and selection of information separate from the touch screen A main body having a selection button unit for inserting and a slot having a groove into which the following flash card is inserted and mounted, the main body having a browser accessible to the wireless Internet; A card reader inserted into the insertion slot and detached from the main body and provided with a card insertion groove for reading a predetermined card, the card reader reading information of the card; And a flash card for supplying a signal input from the card reader to the main body, thereby making a transaction using the card.

The card may be any one of a magnetic card such as a credit card, a stock card, or an IC card, and the card reader may further include a fingerprint recognition module for recognizing a fingerprint and providing an electrical signal thereto.

A payment method using a personal information terminal according to the present invention for achieving the above object comprises: driving a web browser of an authentication company for a predetermined payment to a personal information terminal accessible to the Internet; Selecting a card company for payment and accessing the card company server; Driving the web browser of the card company and providing an information input window for payment; Inputting unique information for each individual displayed in the information input window; In order to confirm the unique information, a step of inputting unique data unique to each individual and a combination of the unique information and the unique data are confirmed to be registered individuals, and the payment approval is performed by the payment information.

The unique information may be a personal ID or a search key registered in the card company server, or may be a card number registered in the card company.

In addition, the unique data can be guaranteed from the leakage of personal information that can be generated on the transaction by the fingerprint information is input.

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

First, Figure 1 shows an Internet connection system for the configuration of the present invention, the member (3) who wants to purchase a product with credit by connecting to the server (1) of the authentication company through the Internet network (2) using the Internet mobile; , A merchant (4) who wants to sell the product, and a server (5) of the credit card company. At this time, the server of the authentication company and the server of the credit card company may be the same.

The embodiment of the method of using the Internet mobile of the present invention as a credit card substitute will be described in detail with reference to Figs. 2 and 3, first, the server 9 of the authentication company is connected to the Internet network 8, It is provided with a member and merchant authentication database (10) and membership and merchant card usage and transfer history database (11). On the other hand, the server 12 of the credit card company is also connected to the Internet network 8, and is provided with a member credit information database 13 and also a card usage and transfer history database 14 of members and merchants. At this time, the member 6 of the credit card company (5) is connected to the authentication server (9) by using the Internet mobile to purchase goods in the merchant (7) (S2) to receive the member authentication (S4) to receive the credit situation After receiving confirmation (S6), the merchant 7 also receives a merchant authentication (S8) and inputs a card payment amount corresponding to the price of the product to be transferred to its bank account (S10) and receives the product to the member customer (6). To deliver (S12).

At this time, the server 9 of the authentication company and the server 12 of the credit card company are the same, and various databases such as a member authentication database may be provided in one server.

As described above, the method of using the Internet mobile of the present invention as a credit card substitute is carried out regardless of whether the user possesses the Internet mobile, the merchant owns, or the friend who is close to the user. Through membership authentication and merchant authentication, you can purchase products by credit anytime and anywhere without a credit card.

In the embodiment of the payment method using the personal information terminal according to the present invention, referring to Fig. 4, the authentication company server 1 is connected via the Internet, and the credit card company server 20 is connected. Then, the mobile member customer 3 is wirelessly connected to the Internet, and the credit payment means 30 is configured to be connected to the Internet while being connected to the PDA 26 via the flashcard 28.

At this time, the credit card company server 20 is provided with a card information server 22 and a fingerprint authentication server 24, when the payment when using a credit card using the PDA 26 is presented not only card information but also fingerprint authentication information. Configured to be made.

5 illustrates a connection relationship between the PDA 26 and the credit payment means 30 for implementing the embodiment of the present invention configured as described above.

That is, according to Figure 5 is inserted into the flash card 28 through the insertion hole 44 provided in the PDA 26 is electrically coupled to the PDA 26, the flash card 28 through the cable 40 It is connected to the credit payment means 30 which is provided with a fingerprint detection window 36 for reading fingerprint information and a card insertion groove 38 for reading card information. In addition, the PDA 26 is provided with a display 42 in the form of a touch screen in which menu selection and data input are performed by a predetermined pen or the like, and a selection button unit 46 for selecting a predetermined menu is provided. Can be.

Referring to FIG. 8 as another example of a terminal according to the present invention, a flash card 52 is provided in a main body provided with a PDA 26, an insertion hole 44, a display 42, and a selection button unit 46. Inserted, the flash card 52 is coupled to a magnetic card reader 48 that reads card information. At this time, the magnetic card reader 48 is for reading a magnetic card, and when reading other types of cards, for example, as shown in FIG. 9, in order to read an IC (Integrated Circuit) card, the corresponding structure must be changed.

That is, referring to Fig. 9, the flash card 56 is coupled with the IC card reader 54, and the IC card reader 62 is formed with an insertion port 62 into which the IC card 58 is inserted. Of course, the integrated circuit 60 is formed in the IC card 62 to store personal information and card information. In this example, the IC card reader 62 is illustrated as being directly connected to the flash card 56, but the flash card 56 is not connected to the PDA 26 by providing a separate port (RS-232C). Can be connected.

A specific embodiment of the payment method using the personal information terminal according to the present invention configured as described above will be described with reference to the flow chart shown in FIG. 6 and the contents displayed on the display.

First, if you want to pay for a predetermined amount of credit is connected to the Internet through a personal information terminal PDA 26 is driven by the authentication company web browser (S20), this web browser will be provided with Windows CE. Next, as shown in Figure 7a to select the card company icon of the initial screen provided by the web browser (S22). Here, icons provided by various card companies are registered, and when an icon is selected, the card company server is automatically connected to the server (S24), and the card company web browser is driven as shown in FIG. 7B (S26). Window is displayed. In this case, as an input item, an amount (S28) to be settled and an ID (IDentification) or a search key registered in advance with each card company may be input (S30). In this case, a unique number of each card may be input instead of the ID or the search key. Although it may be directly input, the card may be inserted into the card insertion groove 38 to provide information. At this time, the card information server 22 will check the credit status of the card.

Then, a fingerprint is input to confirm whether the card is a personal card. When a fingerprint input button is clicked (S32), a fingerprint lamp 36 flashes a predetermined lamp to guide the fingerprint input. When the fingerprint is input (S34), the fingerprint authentication server 24 analyzes the information on the fingerprint, which is compared with the fingerprint information already registered in the information on the card. As a result, if the registration information is matched, the transaction is approved (S36), and the result is guided as shown in the example of FIG. 7C, and the result thereof can be output (S38).

In the above example, the payment of a predetermined cost has been described, but a service that can be implemented through the Internet or online may be provided by reading the special purpose card recognizable by the card readers 30, 48, and 54. Of course it is. For example, when accessing a securities company and using a card issued by a securities company, a securities transaction is performed for a certain item by reading the card and entering a password. Of course, if you are affiliated with a securities company with a general credit card, you can also conduct securities transactions by accessing the site and applying for services.

As in the embodiment described above, by connecting and using means for reading card information and fingerprint information to a personal information terminal, it is possible to securely protect personal credit information and to perform authentication by fingerprint even if the card is lost. Therefore, there is an advantage that can be secured in card transactions and transactions using mobile.

Therefore, according to the present invention, if there is only wired / wireless Internet mobile in the merchant where the product is sold, the mobile can be used as a credit card, and the member does not need to have a credit card, and the merchant does not need to have a card size.

In addition, by performing a payment using a personal information terminal, a card reader, and a fingerprint recognition module, credit settlement is performed while the personal credit information is safely maintained.

While the invention has been described in detail only with respect to the described embodiments, it is obvious to those skilled in the art that various modifications and variations are within the spirit of the invention, and such modifications and variations belong to the appended claims.

Claims (12)

A first step of accessing the authentication server through an internet mobile of a general concept such as a mobile phone, a smart phone, a PDA, a palmtop PC, a notebook PC, etc., which can be connected to the Internet by wire or wireless; A second step of authenticating by inputting IDs and passwords of members and affiliated stores; A third step of inputting a card use amount; And A fourth step in which the credit card amount is transferred to the merchant bank account after the member credit status is confirmed; Method for using an internet mobile as a credit card substitute characterized in that it is provided. The method of claim 1, The Internet server, characterized in that the server of the authentication server and the Internet mobile operator is the same, or can be interlocked with various databases such as a member authentication database to omit the member and merchant authentication step, or to enter only a password for security reasons. To use as a credit card substitute. The method of claim 1, When the Internet mobile is equipped with a recognition function such as voice recognition, image recognition, iris recognition or fingerprint recognition, using the Internet mobile as a credit card substitute, characterized in that the member and the merchant is authenticated through this recognition function Way. The method of claim 1, When the Internet mobile is equipped with a barcode recognition function, the method of using the Internet mobile as a credit card, characterized in that not only the recognition of the bar code of the product price, but also through the bar code recognition function. The method of claim 1, The method of using the internet mobile of the first to fourth steps as a credit card substitute applies to the case of a cash withdrawal card, a cash debit card or a mileage card, etc. Way. Information such as a predetermined image, text, etc. is displayed, a display including a touch screen for selecting the information, a selection button unit for inputting and selecting information separate from the touch screen, and a flash card to be inserted and mounted A main body having a groove having a groove formed therein and having a browser connected to the wireless Internet; A card reader inserted into the insertion slot and detached from the main body and provided with a card insertion groove for reading a predetermined card, the card reader reading information of the card; And A flash card for supplying a signal input from the card reader to the main body; Personal information terminal characterized in that the transaction is made using a combined card. The method of claim 6, The card is the personal information terminal, characterized in that any one of a magnetic card, such as a credit card, securities card or IC card. The method of claim 6, The card reader includes a fingerprint recognition module for recognizing a fingerprint and providing an electrical signal thereto. Driving a web browser of an authentication company for a predetermined payment to a personal information terminal accessible to the Internet; Selecting a card company for payment and accessing the card company server; Driving the web browser of the card company and providing an information input window for payment; Inputting unique information for each individual displayed in the information input window; Inputting separate unique data unique to each individual to confirm the unique information; And Confirming that the individual is a registered individual by combining the unique information and the unique data, and performing payment approval based on payment information; Payment method using a personal information terminal characterized in that it comprises a. The method of claim 9, The unique information is a payment method using the personal information terminal, characterized in that the individual ID or search key registered in the card company server. The method of claim 9, The unique information is a payment method using the personal information terminal, characterized in that the card number registered in the card company. The method of claim 9, The unique data is a payment method using the personal information terminal, characterized in that the fingerprint information.