Electronic settlement system, electronic settlement method and cash paying method using lcd barcode displayed on mobile terminal

Abstract

Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a barcode displayed on a mobile terminal, thereby simply performing member identification using the barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wireless banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.

1 . A mobile payment device, comprising:
 a barcode comprising identification data; and   a display unit to display the barcode to be scanned by a barcode scanner,   wherein the identification data is associated with at least one of member information data and account data, and   wherein the identification data is transmitted with payment data to a server system, and   the identification data is used to verify a payment possibility.   
     
     
         2 . An electronic payment method using a barcode in a mobile terminal, comprising:
 receiving barcode data comprising identification data associated with at least one of member information data and account data from a server system;   storing the barcode data in the mobile terminal; and,   displaying a barcode corresponding to the barcode data,   wherein the identification data is transmitted with payment data to the server system, and   wherein the identification data is used to verify a payment possibility.   
     
     
         3 . An electronic payment method using a barcode in a mobile terminal, comprising:
 receiving barcode data comprising identification data associated with member information data from a server system;   storing the barcode data in the mobile terminal;   requesting at least one of balance data and history data based on the identification data from the server system;   receiving at least one of the balance data and the history data from the server system; and   displaying at least one of the balance data and the history data on the mobile terminal.