Complex payment system using a portable terminal, and complex payment method

A payment system and terminal technology, applied in payment system structure, payment circuit, point-of-sale network system, etc., can solve financial information leakage, cannot be easily confirmed, dissatisfaction and other problems, and achieve the effect of economic payment

Active Publication Date: 2014-04-30
HAREXINFOTECH INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0014] However, this existing method has the inconvenience that the cardholder must carry the card to use, and the financial information including the unique number of the customer's payment card may be leaked at the franchise store, and the financial accident caused by the use of the customer's card information, and The risk of copying payment card information by a third party increases, but the possibility of personal information being leaked cannot be ruled out
[0015] In addition, customers always want to choose the optimal payment method for checkout with the smallest fee, but they cannot easily confirm various preferential information required for payment such as discount information, member point information, discount circle information, etc., resulting in unsatisfactory payment conditions

Method used

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  • Complex payment system using a portable terminal, and complex payment method
  • Complex payment system using a portable terminal, and complex payment method
  • Complex payment system using a portable terminal, and complex payment method

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Embodiment Construction

[0046] The terms or words used in this specification and claims are not limited to the usual or dictionary meanings. In order to explain their own inventions in the best way, the inventor can properly define the terms and concepts. Explain in terms of meanings and concepts consistent with the technical ideas of the present invention.

[0047] Throughout the specification, when a certain part "includes" a certain constituent element, unless there is a specific contrary record, this does not mean excluding other constituent elements, but means that other constituent elements may also be included. In addition, terms such as "... part", "... device", "module", "device" and the like described in the specification refer to a unit that processes at least one function or action, which can be implemented by software or hardware or a combination of software and hardware. accomplish.

[0048] Hereinafter, the terms used are defined as follows.

[0049] 'Transaction serial number (Trans...

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PUM

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Abstract

Disclosed are a complex payment system using a portable terminal, and a complex payment method. According to the present invention, a portable terminal such as a smartphone or a vendor server may analyze and display an optimum payment condition containing a minimum payment amount using bonus information such as card information, discount information, membership point information, or coupon information when a user pays, thus preventing personal information leakage and enabling the user to pay a minimum amount by means of his / her credit card using the bonus information.

Description

technical field [0001] The present invention relates to a payment system and method for checking out with a portable terminal function. More specifically, it utilizes bonus information such as card information, discount information, member point information, or coupon information to generate the optimal minimum payment amount. Payment Conditions A composite payment system and a composite payment method using a portable terminal for billing. Background technique [0002] The existing method of card payment is to connect to the POS machine of the franchise store or use a separate card (credit card, prepaid card, payment card and other payment means cards) query machine (terminal) CAT to obtain the consumer's card number, and Franchise store information and payment together request authorization to the server of the card company through the VAN company. [0003] This existing card payment device is figure 1 show. [0004] The card company completes the transaction when the c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/24G06Q20/06G06Q20/32
CPCG06Q20/387G06Q20/32G06Q20/24G06Q20/06G06Q20/322G06Q20/327G06Q20/36G06Q20/4014G06Q30/0207G06Q20/12G06Q20/20G06Q20/3276G06Q20/3278G06Q20/3572G06Q20/385G06Q20/405G06Q20/367G06Q20/326
Inventor 朴暻阳
Owner HAREXINFOTECH INC
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