Management system and method for payment and transferring using wireless communication or internet

Abstract

The present invention relates to a payment management method for enhancing safety of a payment process by using a location tracking method between a card payment terminal and a payer cellular phone, and more particularly to a payment management method for performing easily a card payment process and an account transfer process between a registered payer and a payment demander by using a VM banking module of a cellular phone.The method comprises the following steps: receiving the registration of the cellular phone number of a card owner (manager); receiving card registration; receiving card payment terminal registration; detecting the contact or approach of the card when it contacts or approaches to a card payment terminal for payment; tracking the position of the cellular phone and the position of the card payment terminal when detecting the contact or approach of the card; identifying whether the interval between the position of the cellular phone and the position of the payment terminal is larger than a predefined interval; when the interval between the position of the cellular phone and the position of the payment terminal is larger than a predefined interval, executing payment management process according to the object sum; when the interval between the position of the cellular phone and the position of the payment terminal is smaller than a predefined interval, paying the object sum.

Description

technical field [0001] The present invention relates to a settlement management system. The settlement management system includes a communication protocol for processing financial services such as card settlement and transfer by using a wireless communication network or the Internet, a server and various terminals for executing the communication protocol. Background technique [0002] With the spread of cards including credit cards and debit cards, the expansion of stores that can be used, and the expansion of the economic scale, the use of these cards is also increasing, but compared with this, the use of cards is more secure and Convenience is not developed. Although the amount of loss increases due to loss or theft of the card, the method of dealing with this situation actually only stops at the level of sending the settlement statement text to the mobile phone of the card owner or manager after settlement. [0003] When the employee uses the corporate card, as a method ...

AI Technical Summary

Problems solved by technology

[0008] For the above reasons, there are almost no users for long-distance card settlement of public fees, management fees, or school fees. Therefore, there is an inconvenience that the payer needs to go directly to the terminal for card settlement.

[0009] As an alternative, although there is a method of using Internet banking, at present, the settlement using the Internet is mainly limited to transfer, and there is almost no service for card settlement. In addition, in most cases, when using the Internet, it is set so that This window immediately enters OTP (One Time Password: one-time password) or authentication number, so it is inconvenient to use

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