WO2003023674A1 - System and method for credit card payment using barcode and mobile phone device - Google Patents

System and method for credit card payment using barcode and mobile phone device Download PDF

Info

Publication number
WO2003023674A1
WO2003023674A1 PCT/KR2001/001981 KR0101981W WO03023674A1 WO 2003023674 A1 WO2003023674 A1 WO 2003023674A1 KR 0101981 W KR0101981 W KR 0101981W WO 03023674 A1 WO03023674 A1 WO 03023674A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
barcode
mobile phone
card payment
phone device
Prior art date
Application number
PCT/KR2001/001981
Other languages
French (fr)
Inventor
Ki-Mun Um
Original Assignee
Ki-Mun Um
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ki-Mun Um filed Critical Ki-Mun Um
Publication of WO2003023674A1 publication Critical patent/WO2003023674A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G07G1/0045—Checkout procedures with a code reader for reading of an identifying code of the article to be registered, e.g. barcode reader or radio-frequency identity [RFID] reader

Definitions

  • the present invention relates generally to a system and method for credit card payment using barcode and mobile phone device, in particular, to a system and method wherein a barcode which stores credit card information of a user is displayed on the display part of a mobile phone device, the barcode is then read by a barcode reader device, so that all information necessary for a credit card payment is acquired to enable a payment authentication through a credit card validation device.
  • an average card user loses two or more credit cards in a year.
  • the waste in time and costs for reissuing the credit cards lost or stolen grows enormous for the whole society.
  • a credit card stores information necessary for a payment procedure in the magnetic band attached on the rear side thereof, allowing a credit card-reader device to acquire this information by reading the band.
  • Another problem with the credit card is that its magnetic band can easily be damaged. Once the magnetic band is damaged, the credit card is normally reissued, causing additional waste in time and costs.
  • the present invention provides a credit card payment system allowing a payment without a credit card using a conventional credit card validation device, wherein a barcode storing credit card information of a user is displayed on the display part of a mobile phone, the barcode is then read by a barcode reader device, so that all information necessary for a credit card payment is acquired to enable a payment authentication through a credit card validation device.
  • the system for credit card payment using barcode and mobile phone device in accordance with the present invention is consisted of a mobile phone device which is capable of storing barcode data representing the information
  • a credit card payment which comprises a display part for displaying the above barcode data; a barcode reader device capable of reading the barcode displayed on the display part of the above mobile phone device; and a credit card validation device which, while connected to the above barcode reader device, extracts the credit card payment information from the barcode as it is read by the above barcode reader device, to subsequently transmit the payment information to a credit card VAN server and to receive a payment authentication signal.
  • the method in accordance with the present invention using the system for credit card payment using barcode and mobile phone device including a mobile phone device which is storing barcode data representing the information necessary for a credit card payment and which comprises a display part for displaying the above barcode data; a barcode reader device reading the barcode displayed on the display part of the above mobile phone device; and a credit card validation device being connected to the above barcode reader device, extracts the credit card payment information data from the barcode as it is read by the above barcode reader device, to subsequently transmit the payment information to a credit card VAN server and to receive a payment authentication signal, comprises the steps of displaying the above barcode data on the display part of the above mobile phone device in the form of bars; of reading the barcode displayed on the display part of the above mobile phone device by the above barcode reader device; of transmitting the barcode data as it is read by the above barcode reader device to the above credit card validation device; and of receiving a payment authentication signal from the credit card VAN server by the above
  • the present invention allows convenient application of a credit card payment with a mobile phone device, without use of a credit card, by displaying the barcode containing the credit card information of a user on the display part of a mobile phone device, by reading the barcode and obtaining the information necessary for a credit card payment, and finally by acquiring an authentication to pay from the credit card validation device.
  • the present invention by allowing application of a conventional credit card validation device if this device is added with a barcode reader device, without necessitating a total substitution of the devices and system, provides economic advantages.
  • the present invention enables a credit card payment using a mobile phone device alone, without the need of carrying any credit card with, it helps to save the enormous waste in both time and costs required for substitution of the lost credit cards
  • Fig. 1 shows a system construction of an embodiment of the present invention.
  • Figs. 2A and 2B are examples illustrating one-dimensional barcode and two-
  • FIG. 3 is a flowchart showing an embodiment of the method for credit card payment in accordance with the present invention.
  • Fig. 4 is an embodiment construction showing how a barcode is inserted into a
  • Fig. 5 is another embodiment construction showing how a barcode is inserted into
  • Fig. 1 shows a system construction of an embodiment of the present invention.
  • an embodiment of the system in accordance with the present invention is consisted of a mobile phone device 10 capable of storing barcode data which represents the credit card information required for a credit card payment and capable of displaying the barcode on the display part thereof, a barcode reader device 20 capable of reading the barcode displayed on the display part of the above mobile phone device, and a credit card validation device 30, which, while connected to the above barcode reader device 20, can extract the information necessary for a credit card payment from the barcode as it is read by the above barcode reader device 20, transmits the information to the credit card VAN server 40 and receive a payment authentication.
  • the above mobile phone device 10 comprises all communication means which are suitable for wireless voice and data communications, such as a cellular phone, a PCS terminal, an HvIT-2000 terminal, or a PDA terminal, and which have a display part such as a LCD widely used these days, and capable of displaying a barcode on a display part.
  • a barcode is a code generated by combining black and white bars, capable of constituting a data based on the ratio between these two components. That is, it is a code system capable of representing information in the form of divergent patterns consisted of bars with various width and blanks in either one-dimensional or two-dimensional form.
  • a one-dimensional barcode takes a simple form by combining data on the horizontal axis (x axis). Since its introduction in the early 1970s, many different types of one-dimensional barcode have been developed, the length of the symbol has become variable, acquiring enhanced error detecting function as well as enhanced data density, so that this barcode is used not to represent product information and circulation information as such, but rather to represent a data key for access to a database containing product information and circulation information.
  • a two-dimensional barcode is generated by combining data on the horizontal (x) and vertical (y) axis, and then projected to a plane.
  • This barcode since it allows representation of more data, has been introduced in the mid 1980s in order to overcome the limitation in data representation a one-dimensional barcode had.
  • Figs. 2A and 2B are examples illustrating one-dimensional barcode and two- dimensional barcode, respectively.
  • both one-dimensional barcode and two- dimensional barcode are compatible for a credit card payment in accordance with the present invention insofar as they carry information necessary for a credit card payment, use of two-dimensional barcode is preferable for a more effective representation of larger data.
  • a barcode can be displayed on the display part of a mobile phone device 10 in various ways, e.g. storing in the ROM at the time of manufacturing a mobile phone, downloading via a communication cable on a mobile phone at the time of issuing a credit card, downloading from a server via the wireless Internet or SMS, etc., an explanation
  • a barcode which is displayed on the display part of a mobile phone device 10 can be read by a barcode reader device 20 as illustrated in Fig. 1.
  • a conventional barcode reader device can be used as a barcode reader device 20 for the purpose of the present invention.
  • the barcode reader device 20 performs by reading the same function as a credit card validation device when the latter reads a magnetic band on the rear side of a credit card while the credit card is inserted in the slot thereof.
  • the data thus read by the above credit card reader device 20 is then transmitted to the credit card validation device 30 via a communication cable.
  • the credit card validation device 30 is the same as a conventional credit card validation device, with the only difference that an interface capable of receiving the data read by the credit card reader device 20 is additionally installed in it.
  • the present invention can be worked with a conventional credit card validation device in the conventional way, only if the composition of its internal circuits is slightly adapted.
  • a data transmission from the barcode reader device 20 is made using e.g. RS-232C port, but is not restricted thereto.
  • the credit card validation device 30 upon receipt of a data relating to a credit card payment from the barcode reader device 20, accesses the credit card VAN server 40 via the credit card VAN in conventional manner, and waits for a credit card payment authentication signal.
  • Fig. 3 is a flowchart showing an embodiment of the method for credit card payment in accordance with the present invention.
  • a user displays a barcode containing credit card payment information in a predetermined manner on the display part of a mobile phone device 10 (SI 00).
  • an additional step of authentication such as input of passwords can be installed to ensure trade security.
  • the barcode displayed on the display part of the mobile phone device is so faced to the barcode reader device 20 that the credit card payment information represented by the barcode is read (SI 10), whereupon the barcode reader device 20 transmits the credit card payment information thus read to the credit card validation device 30 (S120).
  • the credit card validation device 30 transmits the received credit card payment information to the credit card VAN server 40 via the credit card VAN (S 130), and waits for a credit card payment authentication signal from the credit card VAN server 40, which confirms normal use of the credit card based on a predetermined procedure.
  • the credit card payment procedure After receipt of the payment authentication signal from the credit card VAN server 40 (SI 40), the credit card payment procedure terminates with input of the payment amount, installment, etc. and issuance of a sales slip.
  • Fig. 4 is an embodiment construction showing how a barcode is inserted into a
  • a mobile phone user 50 accesses a mobile telecommunication service server 60 via the wireless Internet and requests (to issuance) a credit card
  • the mobile telecommunication service server 60 accesses the credit card service server 70 to be confirmed as to whether the user is a registered credit card user.
  • the mobile telecommunication service server 60 receives a barcode containing a credit card payment information inclusive of the credit card number from the credit card service server 70.
  • the mobile phone device 50 stores the barcode thus transmitted in the memory part thereof and fetches it for use of the credit card.
  • Fig. 5 being another embodiment construction showing how a barcode is inserted into a mobile phone device as used in Figs. 1 through 3, shows an example, wherein a credit card service server transmits a barcode to a mobile phone device via a cable, upon request of a user for a credit card using an online or off-line means other than a mobile phone device.
  • a user requests for issuance of a credit card personally at a relevant financial institution such as a bank, a credit card company, etc., or on the Internet.
  • the financial institution determines whether issue one after having confirmed the requirements for issuance, and requests the user to visit the institution with his mobile phone device.
  • the user downloads the credit card payment information including the credit card number in form of, e.g.
  • VM Virtual machine program after the connection port of his mobile phone device is connected to the credit card service server via a cable (during his visit to the credit card institution).
  • the barcode can be fetched for use of the credit card as shown in Figs. 1 through 3.
  • a barcode comprising the credit card payment information can be inserted in a mobile phone device already in the manufacturing process of the mobile phone.
  • each mobile phone device corresponds to a separate credit card based on an agreement between a credit card institution and its partner mobile phone manufacturer.
  • the agreement can regulate, for example, to store the barcode data in the ROM part of the mobile phone where the internal program of the mobile phone is also stored, so that every purchaser of a mobile phone is regarded to be a user to whom the corresponding credit card is issued, authorizing him to immediately utilize the credit card payment procedure with his mobile phone device.
  • the present invention enables a credit card payment with a mobile phone device without a credit card, it helps to save tremendous waste in both time and costs required for reissue of lost, stolen, or damaged credit cards.
  • the present invention allows a mobile phone device to function as a mobile phone as well as a credit card, a user is eased by carrying just one item instead of the above two different items, and is freed from the worry of losing or damaging a credit
  • the present invention allows a conventional credit card validation device to be further used for the purpose of the present invention with a slight modification of the device, application thereof is very economical.

Abstract

This invention relates to a system and method for credit card payment using barcode and mobile device. This invention discloses a credit card payment system and method which comprises displaying barcode which includes credit card payment information on the display part of user's mobile phone device; reading such a barcode with a barcode-reader device; and acquiring the credit card payment information and payment acknowledgement.

Description

SYSTEM AND METHOD FOR CREDIT CARD PAYMENT USING BARCODE
AND MOBILE PHONE DEVICE
Technical Field
The present invention relates generally to a system and method for credit card payment using barcode and mobile phone device, in particular, to a system and method wherein a barcode which stores credit card information of a user is displayed on the display part of a mobile phone device, the barcode is then read by a barcode reader device, so that all information necessary for a credit card payment is acquired to enable a payment authentication through a credit card validation device.
Background Art
The credit card has emerged nowadays to an indispensable item of everyday life,
and the frequency and extent of its use are rapidly expending, so that most credit card users carry three to four credit cards in their purses. Although the merit of a credit card is tremendous in that it exempts a user from the burden of carrying currency, but it can also generate various troubles once it gets lost or is stolen.
According to a statistic, an average card user loses two or more credit cards in a year. In view of this statistic, the waste in time and costs for reissuing the credit cards lost or stolen grows enormous for the whole society. Furthermore, a credit card stores information necessary for a payment procedure in the magnetic band attached on the rear side thereof, allowing a credit card-reader device to acquire this information by reading the band. Another problem with the credit card is that its magnetic band can easily be damaged. Once the magnetic band is damaged, the credit card is normally reissued, causing additional waste in time and costs.
On the other hand, mobile phones have recently been so rapidly widespread that most users carry one or more mobile phones with them. Payments for commercial trades using a mobile phone are performed on the Internet usually for small amounts, and the purchase invoices are issued combined with the invoices for the mobile phone fees. Thus, there has been a demand for a system, which allows a user to achieve an effect by using his mobile phone, which is now owned by most users, comparable to the effect of a credit card.
Disclosure of the Invention
To solve the above problems, the present invention provides a credit card payment system allowing a payment without a credit card using a conventional credit card validation device, wherein a barcode storing credit card information of a user is displayed on the display part of a mobile phone, the barcode is then read by a barcode reader device, so that all information necessary for a credit card payment is acquired to enable a payment authentication through a credit card validation device.
In order to achieve the above objective, the system for credit card payment using barcode and mobile phone device in accordance with the present invention is consisted of a mobile phone device which is capable of storing barcode data representing the information
necessary for a credit card payment and which comprises a display part for displaying the above barcode data; a barcode reader device capable of reading the barcode displayed on the display part of the above mobile phone device; and a credit card validation device which, while connected to the above barcode reader device, extracts the credit card payment information from the barcode as it is read by the above barcode reader device, to subsequently transmit the payment information to a credit card VAN server and to receive a payment authentication signal.
Further, in order to achieve the above objective, the method in accordance with the present invention using the system for credit card payment using barcode and mobile phone device, including a mobile phone device which is storing barcode data representing the information necessary for a credit card payment and which comprises a display part for displaying the above barcode data; a barcode reader device reading the barcode displayed on the display part of the above mobile phone device; and a credit card validation device being connected to the above barcode reader device, extracts the credit card payment information data from the barcode as it is read by the above barcode reader device, to subsequently transmit the payment information to a credit card VAN server and to receive a payment authentication signal, comprises the steps of displaying the above barcode data on the display part of the above mobile phone device in the form of bars; of reading the barcode displayed on the display part of the above mobile phone device by the above barcode reader device; of transmitting the barcode data as it is read by the above barcode reader device to the above credit card validation device; and of receiving a payment authentication signal from the credit card VAN server by the above credit card validation device after the credit card payment information contained in the barcode data has been extracted and transmitted to the credit card VAN server via a credit card VAN.
The present invention allows convenient application of a credit card payment with a mobile phone device, without use of a credit card, by displaying the barcode containing the credit card information of a user on the display part of a mobile phone device, by reading the barcode and obtaining the information necessary for a credit card payment, and finally by acquiring an authentication to pay from the credit card validation device.
Furthermore, the present invention, by allowing application of a conventional credit card validation device if this device is added with a barcode reader device, without necessitating a total substitution of the devices and system, provides economic advantages.
In addition, since the present invention enables a credit card payment using a mobile phone device alone, without the need of carrying any credit card with, it helps to save the enormous waste in both time and costs required for substitution of the lost credit cards
Brief Description of the Drawings
Fig. 1 shows a system construction of an embodiment of the present invention.
Figs. 2A and 2B are examples illustrating one-dimensional barcode and two-
dimensional barcode, respectively. Fig. 3 is a flowchart showing an embodiment of the method for credit card payment in accordance with the present invention.
Fig. 4 is an embodiment construction showing how a barcode is inserted into a
mobile phone device.
Fig. 5 is another embodiment construction showing how a barcode is inserted into
a mobile ph(?ne device.
Preferred Embodiments of the invention
The preferred embodiments of the system and method in accordance with the present invention are described below in detail referring to the accompanying drawings.
Fig. 1 shows a system construction of an embodiment of the present invention.
As shown in Fig. 1, an embodiment of the system in accordance with the present invention is consisted of a mobile phone device 10 capable of storing barcode data which represents the credit card information required for a credit card payment and capable of displaying the barcode on the display part thereof, a barcode reader device 20 capable of reading the barcode displayed on the display part of the above mobile phone device, and a credit card validation device 30, which, while connected to the above barcode reader device 20, can extract the information necessary for a credit card payment from the barcode as it is read by the above barcode reader device 20, transmits the information to the credit card VAN server 40 and receive a payment authentication.
The above mobile phone device 10 comprises all communication means which are suitable for wireless voice and data communications, such as a cellular phone, a PCS terminal, an HvIT-2000 terminal, or a PDA terminal, and which have a display part such as a LCD widely used these days, and capable of displaying a barcode on a display part.
A barcode is a code generated by combining black and white bars, capable of constituting a data based on the ratio between these two components. That is, it is a code system capable of representing information in the form of divergent patterns consisted of bars with various width and blanks in either one-dimensional or two-dimensional form. A one-dimensional barcode takes a simple form by combining data on the horizontal axis (x axis). Since its introduction in the early 1970s, many different types of one-dimensional barcode have been developed, the length of the symbol has become variable, acquiring enhanced error detecting function as well as enhanced data density, so that this barcode is used not to represent product information and circulation information as such, but rather to represent a data key for access to a database containing product information and circulation information.
A two-dimensional barcode is generated by combining data on the horizontal (x) and vertical (y) axis, and then projected to a plane. This barcode, since it allows representation of more data, has been introduced in the mid 1980s in order to overcome the limitation in data representation a one-dimensional barcode had.
Figs. 2A and 2B are examples illustrating one-dimensional barcode and two- dimensional barcode, respectively. Although both one-dimensional barcode and two- dimensional barcode are compatible for a credit card payment in accordance with the present invention insofar as they carry information necessary for a credit card payment, use of two-dimensional barcode is preferable for a more effective representation of larger data. A barcode can be displayed on the display part of a mobile phone device 10 in various ways, e.g. storing in the ROM at the time of manufacturing a mobile phone, downloading via a communication cable on a mobile phone at the time of issuing a credit card, downloading from a server via the wireless Internet or SMS, etc., an explanation
whereon follows later.
A barcode which is displayed on the display part of a mobile phone device 10 can be read by a barcode reader device 20 as illustrated in Fig. 1. A conventional barcode reader device can be used as a barcode reader device 20 for the purpose of the present invention. The barcode reader device 20 performs by reading the same function as a credit card validation device when the latter reads a magnetic band on the rear side of a credit card while the credit card is inserted in the slot thereof. The data thus read by the above credit card reader device 20 is then transmitted to the credit card validation device 30 via a communication cable. Also the credit card validation device 30 is the same as a conventional credit card validation device, with the only difference that an interface capable of receiving the data read by the credit card reader device 20 is additionally installed in it. Accordingly, the present invention can be worked with a conventional credit card validation device in the conventional way, only if the composition of its internal circuits is slightly adapted. A data transmission from the barcode reader device 20 is made using e.g. RS-232C port, but is not restricted thereto.
The credit card validation device 30, upon receipt of a data relating to a credit card payment from the barcode reader device 20, accesses the credit card VAN server 40 via the credit card VAN in conventional manner, and waits for a credit card payment authentication signal.
Fig. 3 is a flowchart showing an embodiment of the method for credit card payment in accordance with the present invention.
First, a user displays a barcode containing credit card payment information in a predetermined manner on the display part of a mobile phone device 10 (SI 00). Here, an additional step of authentication such as input of passwords can be installed to ensure trade security.
Then, the barcode displayed on the display part of the mobile phone device is so faced to the barcode reader device 20 that the credit card payment information represented by the barcode is read (SI 10), whereupon the barcode reader device 20 transmits the credit card payment information thus read to the credit card validation device 30 (S120).
The credit card validation device 30 transmits the received credit card payment information to the credit card VAN server 40 via the credit card VAN (S 130), and waits for a credit card payment authentication signal from the credit card VAN server 40, which confirms normal use of the credit card based on a predetermined procedure.
After receipt of the payment authentication signal from the credit card VAN server 40 (SI 40), the credit card payment procedure terminates with input of the payment amount, installment, etc. and issuance of a sales slip.
Fig. 4 is an embodiment construction showing how a barcode is inserted into a
mobile phone device as in Figs. 1 through 3.
As shown in Fig. 4, if a mobile phone user 50 accesses a mobile telecommunication service server 60 via the wireless Internet and requests (to issuance) a credit card, the mobile telecommunication service server 60 in turn accesses the credit card service server 70 to be confirmed as to whether the user is a registered credit card user.
If the user is confirmed a user of the registered credit card by the credit card service server 70, the mobile telecommunication service server 60 receives a barcode containing a credit card payment information inclusive of the credit card number from the
credit card service server 70, and then transmits the barcode to the mobile phone device 50. The mobile phone device 50 stores the barcode thus transmitted in the memory part thereof and fetches it for use of the credit card.
Fig. 5, being another embodiment construction showing how a barcode is inserted into a mobile phone device as used in Figs. 1 through 3, shows an example, wherein a credit card service server transmits a barcode to a mobile phone device via a cable, upon request of a user for a credit card using an online or off-line means other than a mobile phone device. First, a user requests for issuance of a credit card personally at a relevant financial institution such as a bank, a credit card company, etc., or on the Internet. The financial institution, then determines whether issue one after having confirmed the requirements for issuance, and requests the user to visit the institution with his mobile phone device. Then, the user downloads the credit card payment information including the credit card number in form of, e.g. VM (Virtual machine) program after the connection port of his mobile phone device is connected to the credit card service server via a cable (during his visit to the credit card institution). Once a barcode including the credit card payment information is stored in the mobile phone device as described above, the barcode can be fetched for use of the credit card as shown in Figs. 1 through 3.
Alternatively, a barcode comprising the credit card payment information can be inserted in a mobile phone device already in the manufacturing process of the mobile phone. In such case, it can be so regulated that each mobile phone device corresponds to a separate credit card based on an agreement between a credit card institution and its partner mobile phone manufacturer. The agreement can regulate, for example, to store the barcode data in the ROM part of the mobile phone where the internal program of the mobile phone is also stored, so that every purchaser of a mobile phone is regarded to be a user to whom the corresponding credit card is issued, authorizing him to immediately utilize the credit card payment procedure with his mobile phone device. Although the present invention has been described above with respect to particular embodiments, it is not limited thereto, allowing modifications, changes, adaptations, etc. within the scope of the present invention, as those skilled in the art will
understand. Industrial Applicability
Since the present invention enables a credit card payment with a mobile phone device without a credit card, it helps to save tremendous waste in both time and costs required for reissue of lost, stolen, or damaged credit cards.
Further, since the present invention allows a mobile phone device to function as a mobile phone as well as a credit card, a user is eased by carrying just one item instead of the above two different items, and is freed from the worry of losing or damaging a credit
card. In addition, since the present invention allows a conventional credit card validation device to be further used for the purpose of the present invention with a slight modification of the device, application thereof is very economical.

Claims

What is claimed is:
1. A system for credit card payment using barcode and mobile phone device comprising: a mobile phone device storing a barcode data required for a credit card payment (in it), and including a display part for display of said barcode data thereon; a barcode reader device reading the barcode displayed on the display part of said mobile phone device; and a credit card validation device, being connected to said barcode reader device, fetching the credit card payment information data from the barcode which is read by said barcode reader device, transmits said information to a credit card VAN server, and then, receives a credit card payment authentication signal from said credit card VAN server.
2. The system for credit card payment using barcode and mobile phone
device as set forth in Claim 1, wherein said barcode is a two-dimensional barcode extended in both horizontal and vertical axis by a predetermined width.
3. The system for credit card payment using barcode and mobile phone device as set forth in any one of Claims 1 or 2, wherein said credit card validation device comprises an interface part receiving a barcode data which is read by said barcode reader
device.
4. The system for credit card payment using barcode and mobile phone device as set forth in Claim 3, wherein said barcode reader device is connected to said credit card validation device through a RS-232C port.
5. A method for credit card payment using barcode and mobile phone device, utilizing a system (for credit card payment) consisted of: a mobile phone device capable of storing a barcode data required for a credit card payment (in it), which comprises a display part for display of said barcode data thereon; a barcode reader device capable of reading the barcode displayed on the display part of said mobile phone device; and a credit card validation device connected to said barcode reader device, comprising the steps : of displaying said barcode data on the display part of said mobile phone device in the form of a barcode; of reading said barcode displayed on the display part of said mobile phone device by said barcode reader device; of transmitting the barcode data as it is read by said barcode reader device to said credit card validation device; and of fetching the credit card payment information contained in said barcode data and transmitting said information by said credit card validation device to a (said?) credit card VAN server via a credit card VAN, and of receiving a credit card payment authentication signal from said credit card VAN server.
6. The method for credit card payment using barcode and mobile phone device as set forth in Claim 5, wherein said step of displaying said barcode data on the display part of said mobile phone device in the form of a barcode additionally comprises a step of user authentication for identification of a user.
PCT/KR2001/001981 2001-09-11 2001-11-20 System and method for credit card payment using barcode and mobile phone device WO2003023674A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR2001-55746 2001-09-11
KR1020010055746A KR20010090081A (en) 2001-09-11 2001-09-11 System and method for credit card payment using barcode and mobile phone device

Publications (1)

Publication Number Publication Date
WO2003023674A1 true WO2003023674A1 (en) 2003-03-20

Family

ID=19714149

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2001/001981 WO2003023674A1 (en) 2001-09-11 2001-11-20 System and method for credit card payment using barcode and mobile phone device

Country Status (2)

Country Link
KR (1) KR20010090081A (en)
WO (1) WO2003023674A1 (en)

Cited By (46)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2414098A (en) * 2004-05-13 2005-11-16 Hewlett Packard Development Co Data transfer with camera-enabled devices
WO2006063628A1 (en) * 2004-12-15 2006-06-22 Unisys Corporation Communication system and method using visual interfaces for mobile transactions
EP1809013A1 (en) * 2002-07-19 2007-07-18 Gavitec AG Code reading apparatus
WO2007106906A2 (en) * 2006-03-15 2007-09-20 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
WO2008012841A1 (en) * 2006-07-24 2008-01-31 Roberto Salemi Goods/ information distribution method by an atm terminal without using a debit/credit card
WO2008071802A2 (en) 2006-12-15 2008-06-19 Mobill Scandinavia Ab Method and apparatus for creating and sending a code grid to a portable communication device
WO2009070114A1 (en) * 2007-11-30 2009-06-04 Skycash Sp.Z O.O. A server of a check issuer and a merchant system in a proximity payment system
GB2496595A (en) * 2011-11-11 2013-05-22 Hutchison Whampoa Entpr Ltd Smart phone payment application using two-dimensional barcodes
JP2013125465A (en) * 2011-12-15 2013-06-24 Denso Wave Inc Member management system
US8485440B1 (en) 2012-03-23 2013-07-16 International Business Machines Corporation Mobile device financial transactions
WO2013155627A1 (en) * 2012-04-16 2013-10-24 Salt Technology Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
US20150095234A1 (en) * 2008-12-02 2015-04-02 Ebay Inc. Mobile barcode generation and payment
EP2876594A4 (en) * 2012-07-18 2015-08-12 Zte Corp Payment method and device
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
CN104881927A (en) * 2015-05-15 2015-09-02 苏州德锐朗智能科技有限公司 IC (integrated circuit) card recharging control system based on 2D (two dimensional) code
US9165294B2 (en) 2011-08-24 2015-10-20 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9596237B2 (en) 2010-12-14 2017-03-14 Salt Technology, Inc. System and method for initiating transactions on a mobile device
US9646291B2 (en) 2011-05-11 2017-05-09 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US9652765B2 (en) 2008-08-26 2017-05-16 Visa International Service Association System and method for implementing financial assistance programs
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US9757644B2 (en) 2010-10-20 2017-09-12 Playspin Inc. Dynamic payment optimization apparatuses, methods and systems
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US9830328B2 (en) 2012-02-02 2017-11-28 Visa International Service Association Multi-source, multi-dimensional, cross-entry, multimedia merchant analytics database platform apparatuses, methods and systems
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
US9953334B2 (en) 2011-02-10 2018-04-24 Visa International Service Association Electronic coupon issuance and redemption apparatuses, methods and systems
US9996838B2 (en) 2011-03-04 2018-06-12 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US10096022B2 (en) 2011-12-13 2018-10-09 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US10154084B2 (en) 2011-07-05 2018-12-11 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US10223691B2 (en) 2011-02-22 2019-03-05 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US10657503B1 (en) * 2007-09-19 2020-05-19 Capital One Services, Llc System and method of providing a customer with method of making a payment to a third party using a remote dispensing machine
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US11288661B2 (en) 2011-02-16 2022-03-29 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US11687917B2 (en) 2020-07-16 2023-06-27 Mehdi M. Rohani Mobile device, system and method for currency exchange
DE112012006324B4 (en) 2012-06-06 2023-08-31 Intuit Inc. Mobile payment through a virtual peripheral

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100449452B1 (en) * 2001-11-05 2004-09-18 노틸러스효성 주식회사 Mobile bar-code recognition automated machine
KR20030045231A (en) * 2001-12-01 2003-06-11 주식회사 디지털서비스 Device and method for settling price using bar code of mobile communication cellular phone
KR20030083998A (en) * 2002-04-24 2003-11-01 에스케이 텔레콤주식회사 Purchasing Method using Mobile Terminal
KR100951590B1 (en) * 2002-11-08 2010-04-09 주식회사 비즈모델라인 Method for Processing Payment by Using WatermarkingCode Marking
KR101389792B1 (en) * 2011-11-23 2014-04-30 주식회사 다날 Method for processing payment data on at least one of item in mobile device and method for processing the same in server

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000007655A (en) * 1998-07-06 2000-02-07 윤종용 Mobile phone's electronic serial number recording method
KR20010008131A (en) * 2000-07-27 2001-02-05 박정일 Method for using internet mobile as credit card, and PDA and method of checking price using by the PDA
KR20010067931A (en) * 2001-04-09 2001-07-13 김남중 The System settle accounts by cellular phone
KR20010072523A (en) * 2000-04-04 2001-07-31 송승한 Information management system by means of portable communication appliances via wire or wireless Internet and the method for the same
KR20010079211A (en) * 2001-06-22 2001-08-22 정제임스승우 Internet mobile phone certification and payment system

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020066755A (en) * 2001-02-13 2002-08-21 주식회사 포인트텍 Mobile Credit Settlement Using Bar Code By Mobile Terminals Operating in Mobile Environment
KR100376959B1 (en) * 2001-04-23 2003-03-26 주식회사 시큐베이 The electronic settlement system, electronic settlement method and cash paying method using lcd barcode displayed on mobile terminal
KR100832597B1 (en) * 2001-06-08 2008-05-27 에스케이 텔레콤주식회사 Method and apparatus for providing a credit bill service by using a portable telecommunication terminal
KR100679352B1 (en) * 2001-08-07 2007-02-05 (주)웨디슨 테크놀러지 Accounting method by authentication of mobile telecommunication company

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000007655A (en) * 1998-07-06 2000-02-07 윤종용 Mobile phone's electronic serial number recording method
KR20010072523A (en) * 2000-04-04 2001-07-31 송승한 Information management system by means of portable communication appliances via wire or wireless Internet and the method for the same
KR20010008131A (en) * 2000-07-27 2001-02-05 박정일 Method for using internet mobile as credit card, and PDA and method of checking price using by the PDA
KR20010067931A (en) * 2001-04-09 2001-07-13 김남중 The System settle accounts by cellular phone
KR20010079211A (en) * 2001-06-22 2001-08-22 정제임스승우 Internet mobile phone certification and payment system

Cited By (101)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1809013A1 (en) * 2002-07-19 2007-07-18 Gavitec AG Code reading apparatus
GB2414098A (en) * 2004-05-13 2005-11-16 Hewlett Packard Development Co Data transfer with camera-enabled devices
WO2006063628A1 (en) * 2004-12-15 2006-06-22 Unisys Corporation Communication system and method using visual interfaces for mobile transactions
US8783560B2 (en) 2006-03-15 2014-07-22 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
CN101599163A (en) * 2006-03-15 2009-12-09 高通股份有限公司 M-commerce virtual cash system, method and apparatus
US8276811B2 (en) 2006-03-15 2012-10-02 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US8875995B2 (en) 2006-03-15 2014-11-04 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
WO2007106906A2 (en) * 2006-03-15 2007-09-20 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US8485434B2 (en) 2006-03-15 2013-07-16 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US7552867B2 (en) 2006-03-15 2009-06-30 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
WO2007106906A3 (en) * 2006-03-15 2007-11-01 Qualcomm Inc M-commerce virtual cash system, method, and apparatus
AU2007226513B2 (en) * 2006-03-15 2010-06-10 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
AU2007226513C1 (en) * 2006-03-15 2010-10-21 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
EP2264663A1 (en) * 2006-03-15 2010-12-22 Qualcomm Incorporated M-Commerce virtual cash system, method and apparatus
US8245911B2 (en) 2006-03-15 2012-08-21 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
US8267312B2 (en) 2006-03-15 2012-09-18 Qualcomm Incorporated M-commerce virtual cash system, method, and apparatus
WO2008012841A1 (en) * 2006-07-24 2008-01-31 Roberto Salemi Goods/ information distribution method by an atm terminal without using a debit/credit card
WO2008071802A3 (en) * 2006-12-15 2008-07-31 Mobill Scandinavia Ab Method and apparatus for creating and sending a code grid to a portable communication device
WO2008071802A2 (en) 2006-12-15 2008-06-19 Mobill Scandinavia Ab Method and apparatus for creating and sending a code grid to a portable communication device
US8938267B2 (en) 2006-12-15 2015-01-20 Mobill Scandinavia Ab Method and apparatus for creating and sending a code grid to a portable communication device
US10657503B1 (en) * 2007-09-19 2020-05-19 Capital One Services, Llc System and method of providing a customer with method of making a payment to a third party using a remote dispensing machine
WO2009070114A1 (en) * 2007-11-30 2009-06-04 Skycash Sp.Z O.O. A server of a check issuer and a merchant system in a proximity payment system
US9652765B2 (en) 2008-08-26 2017-05-16 Visa International Service Association System and method for implementing financial assistance programs
US20150095234A1 (en) * 2008-12-02 2015-04-02 Ebay Inc. Mobile barcode generation and payment
US10176474B2 (en) * 2008-12-02 2019-01-08 Paypal, Inc. Mobile barcode generation and payment
US10688385B2 (en) 2010-10-20 2020-06-23 Playspan Inc. In-application universal storefront apparatuses, methods and systems
US11311797B2 (en) 2010-10-20 2022-04-26 Playspan Inc. Dynamic payment optimization apparatuses, methods and systems
US10500481B2 (en) 2010-10-20 2019-12-10 Playspan Inc. Dynamic payment optimization apparatuses, methods and systems
US9757644B2 (en) 2010-10-20 2017-09-12 Playspin Inc. Dynamic payment optimization apparatuses, methods and systems
US9596237B2 (en) 2010-12-14 2017-03-14 Salt Technology, Inc. System and method for initiating transactions on a mobile device
US10204327B2 (en) 2011-02-05 2019-02-12 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US11093919B2 (en) 2011-02-05 2021-08-17 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
US9953334B2 (en) 2011-02-10 2018-04-24 Visa International Service Association Electronic coupon issuance and redemption apparatuses, methods and systems
US10621605B2 (en) 2011-02-10 2020-04-14 Visa International Service Association Electronic coupon issuance and redemption apparatuses, methods and systems
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US11288661B2 (en) 2011-02-16 2022-03-29 Visa International Service Association Snap mobile payment apparatuses, methods and systems
US11023886B2 (en) 2011-02-22 2021-06-01 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US10223691B2 (en) 2011-02-22 2019-03-05 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US11250352B2 (en) 2011-02-28 2022-02-15 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US10482398B2 (en) 2011-02-28 2019-11-19 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US11263640B2 (en) 2011-03-04 2022-03-01 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US9996838B2 (en) 2011-03-04 2018-06-12 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US9646291B2 (en) 2011-05-11 2017-05-09 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US11263601B2 (en) 2011-05-11 2022-03-01 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US11853977B2 (en) 2011-05-11 2023-12-26 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US10489756B2 (en) 2011-05-11 2019-11-26 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US10154084B2 (en) 2011-07-05 2018-12-11 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US11900359B2 (en) 2011-07-05 2024-02-13 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US11010753B2 (en) 2011-07-05 2021-05-18 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US10419529B2 (en) 2011-07-05 2019-09-17 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US11763294B2 (en) 2011-08-18 2023-09-19 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10354240B2 (en) 2011-08-18 2019-07-16 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US11397931B2 (en) 2011-08-18 2022-07-26 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US11037138B2 (en) 2011-08-18 2021-06-15 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods, and systems
US11010756B2 (en) 2011-08-18 2021-05-18 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9959531B2 (en) 2011-08-18 2018-05-01 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US11803825B2 (en) 2011-08-18 2023-10-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9165294B2 (en) 2011-08-24 2015-10-20 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10078832B2 (en) 2011-08-24 2018-09-18 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10402815B2 (en) 2011-08-24 2019-09-03 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US11354723B2 (en) 2011-09-23 2022-06-07 Visa International Service Association Smart shopping cart with E-wallet store injection search
GB2496595A (en) * 2011-11-11 2013-05-22 Hutchison Whampoa Entpr Ltd Smart phone payment application using two-dimensional barcodes
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10846670B2 (en) 2011-12-13 2020-11-24 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10096022B2 (en) 2011-12-13 2018-10-09 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
JP2013125465A (en) * 2011-12-15 2013-06-24 Denso Wave Inc Member management system
US10685379B2 (en) 2012-01-05 2020-06-16 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10983960B2 (en) 2012-02-02 2021-04-20 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia centralized personal information database platform apparatuses, methods and systems
US11036681B2 (en) 2012-02-02 2021-06-15 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia analytical model sharing database platform apparatuses, methods and systems
US9830328B2 (en) 2012-02-02 2017-11-28 Visa International Service Association Multi-source, multi-dimensional, cross-entry, multimedia merchant analytics database platform apparatuses, methods and systems
US11074218B2 (en) 2012-02-02 2021-07-27 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems
US10013423B2 (en) 2012-02-02 2018-07-03 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia analytical model sharing database platform apparatuses, methods and systems
US10430381B2 (en) 2012-02-02 2019-10-01 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia centralized personal information database platform apparatuses, methods and systems
US10262001B2 (en) 2012-02-02 2019-04-16 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems
US8485440B1 (en) 2012-03-23 2013-07-16 International Business Machines Corporation Mobile device financial transactions
US8840019B2 (en) 2012-03-23 2014-09-23 International Business Machines Corporation Mobile device financial transactions
CN104603809A (en) * 2012-04-16 2015-05-06 盐技术股份有限公司 Systems and methods for facilitating a transaction using a virtual card on a mobile device
CN104603809B (en) * 2012-04-16 2019-07-05 盐技术股份有限公司 Promote the system and method for transaction using virtual card on the mobile apparatus
EP3848874A1 (en) * 2012-04-16 2021-07-14 sticky.io, Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
WO2013155627A1 (en) * 2012-04-16 2013-10-24 Salt Technology Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
US11836706B2 (en) 2012-04-16 2023-12-05 Sticky.Io, Inc. Systems and methods for facilitating a transaction using a virtual card on a mobile device
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
DE112012006324B4 (en) 2012-06-06 2023-08-31 Intuit Inc. Mobile payment through a virtual peripheral
JP2015528934A (en) * 2012-07-18 2015-10-01 ゼットティーイー コーポレーション Payment method and apparatus
EP2876594A4 (en) * 2012-07-18 2015-08-12 Zte Corp Payment method and device
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US11941008B2 (en) 2015-02-08 2024-03-26 Visa International Service Association Converged merchant processing apparatuses, methods and systems
CN104881927A (en) * 2015-05-15 2015-09-02 苏州德锐朗智能科技有限公司 IC (integrated circuit) card recharging control system based on 2D (two dimensional) code
US11687917B2 (en) 2020-07-16 2023-06-27 Mehdi M. Rohani Mobile device, system and method for currency exchange

Also Published As

Publication number Publication date
KR20010090081A (en) 2001-10-18

Similar Documents

Publication Publication Date Title
WO2003023674A1 (en) System and method for credit card payment using barcode and mobile phone device
JP4117550B2 (en) Communication system, payment management apparatus and method, portable information terminal, information processing method, and program
US9866989B2 (en) Payment application download to mobile phone and phone personalization
US7319978B2 (en) Net shopping method, system therefor, and automatic payment transfer device
EP0965959A1 (en) A method of using a portable communication device
JP4812234B2 (en) Payment management device, portable information terminal, and program
US20020087542A1 (en) Information providing system and method thereof
US20040129778A1 (en) Cashless automatic vendor system and method, and automatic vendor
WO2009038511A1 (en) All in one card
US20010027435A1 (en) Electronic-money settlement method and information processing apparatus therefor
KR20090054336A (en) Real-time selling system and method of prepaid card
KR20020071958A (en) System and method for storing and processing data using a mobile telephone
JP4580512B2 (en) IC card
JP2001338250A (en) Account terminal, settlement terminal and communication terminal
JP2005128899A (en) Electronic commerce system and its method
JP7239761B1 (en) Communication terminal, payment system, payment method, and program
KR200276122Y1 (en) System for credit card payment using barcode and mobile phone device
KR200199068Y1 (en) a card reader to payment the charge according to the e-commerce
JP2002251653A (en) Cashless automatic vending machine system
KR20010028054A (en) Portable teller machine and banking method thereof
AU2008245668B2 (en) Payment application download to mobile phone and phone personalization
JP2002102510A (en) Method, system and device for prize exchange
KR20050088517A (en) At the credit card settlement method which uses the radio internet terminal and the terminal execution the program which is possible
KR200338644Y1 (en) Terminal for approval using fingerprint recognition and card settlement
KR20030046291A (en) Method for settlement an article price of giving settlement function a barcode the portable radio terminal

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BY BZ CA CH CN CO CR CU CZ DE DM DZ EC EE ES FI GB GD GE GH HR HU ID IL IN IS JP KE KG KP KZ LK LR LS LT LU LV MA MD MG MK MW MX MZ NO NZ PH PL PT RO RU SE SG SI SK SL TJ TM TR TT TZ UA US UZ VN YU ZA

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW MZ SD SL SZ UG ZM ZW AM AZ BY KG KZ RU TJ TM AT BE CH CY DE DK FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GQ ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: COMMUNICATION UNDER RULE 69 EPC (EPO FORM 1205A DATED 28.06.2004)

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP