Method and portable apparatus for settling transaction

Abstract

A method and portable apparatus for settling a transaction are provided, in which the portable apparatus may be used as a card substitute payment device for settling a transaction. Information to conduct a settlement may be stored in the portable apparatus. The portable apparatus may be, for example, a portable phone or a PDA. A transaction inquiry machine may read or receive the information from the portable apparatus, similar to that of a card reader reading a magnetic card, and transmit the information to a VAN company server or a card company server, to then request for an approval to settle the transaction.

What is claimed is: 
     
         1 . A method for issuing information to a portable device selected by a user to settle a transaction using the portable device, the method comprising:
 obtaining the information by a terminal, wherein the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device; and   transmitting the information by the terminal to the portable device selected by the user.   
     
     
         2 . The method of  claim 1 , wherein the terminal is one of a terminal used by a card issuer, a terminal used by a relay center, a terminal used by a mobile communication servicer servicing the portable device, a terminal used by a provider of the portable device, and a terminal used by an agent of the card issuer, the relay center, the mobile communication servicer, and/or the provider. 
     
     
         3 . The method of  claim 1 , wherein the transmitting of the information comprises transmitting card information to settle a transaction using the portable device. 
     
     
         4 . The method of  claim 1 , further comprising communicating by the terminal to a terminal used by a service provider of the portable device or an agent of the service provider to determine whether the applicant for the information is an authorized user of the portable device. 
     
     
         5 . The method of  claim 1 , further comprising requesting data by the terminal to the portable device to authenticate whether a user of the portable device is an authorized user, wherein the transferring of the information comprises transferring the information where the user of the portable device is the authorized user. 
     
     
         6 . The method of  claim 5 , wherein the data corresponds to personal identification data input by the user using the portable terminal. 
     
     
         7 . The method of  claim 1 , wherein the transmitting of the information comprises transmitting the information to the portable device by wire or wirelessly. 
     
     
         8 . The method of  claim 1 , further comprising transmitting information by the terminal to the portable device or a terminal used by a relay center or an agent of the relay center to change a status of the information to correspondingly effect a further transaction using the information by the portable device. 
     
     
         9 . The method of  claim 1 , further comprising transmitting information by the terminal to the portable device or a terminal used by a relay center or an agent of the relay center to display information pertinent to a transaction using the portable device. 
     
     
         10 . The method of  claim 9 , wherein the displayed information corresponds to a message indicating one of issuance of the information to the portable device, authorization of the transaction, denial of the transaction, that the transaction using the information by the portable device is not authorized, nature of the transaction, and that a further transaction is suspended or resumed. 
     
     
         11 . The method of  claim 1 , wherein:
 the portable device is a hand-held phone,   the application for the information includes a phone number designated to the hand-held phone, and   the transmitting of the information comprises transmitting the information to the hand-held phone where the applicant for the information is an authorized user of the hand-held phone having the designated phone number.   
     
     
         12 . The method of  claim 11 , further comprising communicating by the terminal to a terminal used by a mobile communication servicer servicing the hand-held phone or an agent of the mobile communication servicer to determine whether the applicant for the information is an authorized user of the hand-held phone having the designated phone number. 
     
     
         13 . A method for settling a transaction with a transaction terminal using a portable device selected by a user, the method comprising:
 receiving information by the portable device, wherein the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device; and   storing the information by the portable device, wherein the information stored in the portable device is read or received by the transaction terminal to settle the transaction with the transaction terminal.   
     
     
         14 . The method of  claim 13 , wherein the receiving of the information comprises receiving the information from one of a terminal used by a card issuer, a terminal used by a relay center, a terminal used by a mobile communication servicer servicing the portable device, a terminal used by a provider of the portable device, and a terminal used by an agent of the card issuer, the relay center, the mobile communication servicer, and/or the provider. 
     
     
         15 . The method of  claim 13 , wherein the storing of the information comprises storing the information in one of an internal memory and a removable memory of the portable device. 
     
     
         16 . The method of  claim 15 , wherein the memory is one of SIM, UIM, and USIM. 
     
     
         17 . The method of  claim 13 , further comprising receiving information by the portable device corresponding to one of an electronic money, a coupon, a ticket, and service information so as to settle a transaction, review the service information, or transmit all or a portion of the received electronic money, coupon, or ticket to another portable device. 
     
     
         18 . The method of  claim 13 , further comprising requesting data by the portable device to a user of the portable device to determine whether the user is an authorized user of the information to conduct the transaction with the transaction terminal, wherein the information is read or received by the transaction terminal in response to the user being determined as the authorized user to settle the transaction with the transaction terminal. 
     
     
         19 . The method of  claim 13 , wherein the information is read or received by the transaction terminal in response to a single button input by a user of the portable device using the portable device. 
     
     
         20 . The method of  claim 13 , further comprising requesting one or more of a personal identification number, a signature, and bio-identification information by the portable device to a user of the portable device, wherein the information is read or received by the transaction terminal along with the one or more of the personal identification number, the signature, and the bio-identification information to settle the transaction with the transaction terminal. 
     
     
         21 . The method of  claim 13 , further comprising:
 receiving a request by the portable device for data to authenticate whether a user of the portable device is an authorized user of the information to receive the information; and   requesting the data from the user, wherein   the receiving of the information comprises receiving the information in response to the user being determined as the authorized user.   
     
     
         22 . The method of  claim 21 , wherein the data input by the user corresponds to personal identification data input using the portable device. 
     
     
         23 . The method of  claim 13 , further comprising receiving information by the portable device to change a status of the information to correspondingly effect a further transaction using the information by the portable device. 
     
     
         24 . The method of  claim 13 , further comprising receiving information by the portable device to display a message indicating one of issuance of the information to the portable device, authorization of the transaction, denial of the transaction, that the transaction using the information by the portable device is not authorized, nature of the transaction, and that a further transaction is suspended or resumed. 
     
     
         25 . The method of  claim 13 , wherein:
 the portable device is a hand-held phone,   the application for the information includes a phone number designated to the hand-held phone, and   the receiving of the information comprises receiving the information by the hand-held phone where the applicant for the information is an authorized user of the hand-held phone having the designated phone number.   
     
     
         26 . A computer-readable storage medium storing a program to issue card information to a portable device selected by a user to settle a transaction using the portable device, comprising instructions to cause a terminal to:
 obtain the information, wherein the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device; and   transmit the information to the portable device selected by the user.   
     
     
         27 . A computer-readable storage medium storing a program to settle a transaction with a transaction terminal using a portable device selected by a user, comprising instructions to cause the portable terminal to:
 receive information, wherein the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device; and   store the information, wherein the information stored in the portable device is read or received by the transaction terminal to settle the transaction with the transaction terminal.   
     
     
         28 . A system for issuing information to a portable device selected by a user to settle a transaction using the portable device, the system comprising:
 a terminal to obtain the information and transmit the information to the portable device selected by the user, wherein   the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device.   
     
     
         29 . The system of  claim 28 , wherein the terminal is one of a terminal used by a card issuer, a terminal used by a relay center, a terminal used by a mobile communication servicer servicing the portable device, a terminal used by a provider of the portable device, and a terminal used by an agent of the card issuer, the relay center, the mobile communication servicer, and/or the provider. 
     
     
         30 . The system of  claim 28 , wherein the terminal communicates to a terminal used by a service provider of the portable device or an agent of the service provider to determine whether the applicant for the information is an authorized user of the portable device. 
     
     
         31 . The system of  claim 28 , wherein the terminal requests data to the portable device to authenticate whether a user of the portable device is an authorized user and transfers the information to the portable device where the user of the portable device is the authorized user. 
     
     
         32 . The system of  claim 28 , wherein the terminal transmits information to the portable device or a terminal used by a relay center or an agent of the relay center to change a status of the information to correspondingly effect a further transaction using the information by the portable device. 
     
     
         33 . The system of  claim 28 , wherein:
 the terminal transmits information to the portable device or a terminal used by a relay center or an agent of the relay center to display information pertinent to a transaction, and   the displayed information corresponds to a message indicating one of issuance of the information to the portable device, authorization of the transaction, denial of the transaction, that the transaction using the information by the portable device is not authorized, nature of the transaction, and that a further transaction is suspended or resumed.   
     
     
         34 . The system of  claim 28 , wherein:
 the portable device is a hand-held phone,   the application for the information includes a phone number designated to the hand-held phone, and   the terminal transmits the information to the hand-held phone where the applicant for the information is an authorized user of the hand-held phone having the designated phone number.   
     
     
         35 . The system of  claim 34 , wherein the terminal communicates to a terminal used by a mobile communication servicer servicing the hand-held phone or an agent of the mobile communication servicer to determine whether the applicant for the information is an authorized user of the hand-held phone having the designated phone number. 
     
     
         36 . The system of  claim 28 , wherein:
 the information comprises card information to settle a transaction using the portable device, and   the information is transmitted to the portable device by wire or wirelessly.   
     
     
         37 . A transaction settlement system to settle a transaction with a transaction terminal using information, the system comprising:
 a portable device to receive the information and store the information, wherein   the information being information generated in response to an approval of an application for the information to settle a transaction using the portable device,   the portable device being selected by a user to receives the information, and   the information stored in the portable device is read or received by the transaction terminal to settle the transaction with the transaction terminal.   
     
     
         38 . The system of  claim 37 , wherein the portable device receives the information from one of a terminal used by a card issuer, a terminal used by a relay center, a terminal used by a mobile communication servicer servicing the portable device, a terminal used by a provider of the portable device, and a terminal used by an agent of the card issuer, the relay center, the mobile communication servicer, and/or the provider. 
     
     
         39 . The system of  claim 37 , wherein the portable device stores the information in one of an internal memory and a removable memory of the portable device. 
     
     
         40 . The system of  claim 37 , wherein the portable device receives information corresponding to one of an electronic money, a coupon, a ticket, and service information so as to settle a transaction, review the service information, or transmit all or a portion of the received electronic money, coupon, or ticket to another portable device. 
     
     
         41 . The system of  claim 37 , wherein the portable terminal receives the information by wire or wirelessly. 
     
     
         42 . The system of  claim 37 , wherein the portable device requests data to a user of the portable device to determine whether the user is an authorized user of the information to conduct the transaction with the transaction device, and the information stored in the portable device is read or received by the transaction terminal in response to the user being determined as the authorized user to settle the transaction with the transaction terminal. 
     
     
         43 . The system of  claim 37 , wherein the information stored in the portable device is read or received by the transaction terminal in response to a single button input by a user of the portable device using the portable device. 
     
     
         44 . The system of  claim 37 , wherein the portable device requests one or more of a personal identification number, a signature, and bio-identification information to a user of the portable device, and the information stored in the portable device is read or received by the transaction terminal along with the one or more of the personal identification number, the signature, and the bio-identification information to settle the transaction with the transaction terminal. 
     
     
         45 . The system of  claim 37 , wherein the portable device receives a request for data to authenticate whether a user of the portable device is an authorized user of the information to receive the information, requests the data from the user, and receives the information in response to the user being determined as the authorized user. 
     
     
         46 . The system of  claim 37 , wherein the portable device receives information to change a status of the information to correspondingly effect a further transaction using the information by the portable device. 
     
     
         47 . The system of  claim 37 , wherein:
 the portable device is a hand-held phone,   the application for the information includes a phone number designated to the hand-held phone, and   the hand-held phone receives the information where the applicant for the information is an authorized user of the hand-held phone having the designated phone number.   
     
     
         48 . The system of  claim 37 , wherein the portable terminal displays a message indicating one of issuance of the information to the portable device, authorization of the transaction, denial of the transaction, that the transaction using the information by the portable device is not authorized, nature of the transaction, and that a further transaction is suspended or resumed.