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 processor configured to register, via a wireless network, a user of the mobile payment device as a first member with a first server system and as a second member with a second server system, wherein:
 the first server system storing first information data about the first member and creating a first electronic barcode corresponding to the first information data, and 
 the second server system storing second information data about the second member and creating a second electronic barcode corresponding to the second information data; 
   a memory configured to store the first and second electronic barcodes, the first and second electronic barcodes being created and transmitted, via the wireless network, from the first and second server systems, respectively; and   a display configured to display one of the first and second electronic barcodes, wherein:
 the processor is further configured to receive a selection instruction from the user, 
 the displayed electronic barcode being a selection by the selection instruction from the user, 
 the displayed electronic barcode being configured to be scanned by a barcode scanner of a shop system, and 
   the displayed electronic barcode is used for a payment activity of the user to be verified by at least one of the first and second server systems via the wireless network.   
     
     
         2 . An electronic payment method using a mobile payment device, the method comprising:
 receiving, via a wireless network, a first electronic barcode upon registering a user of the mobile payment device as a first member with a first server system, the first electronic barcode corresponding to first information data about the first member;   receiving, via the wireless network, a second electronic barcode upon registering the user of the mobile payment device as a second member with a second server system, the second electronic barcode corresponding to second information data about the second member;   storing, in the mobile payment device, the first and second electronic barcodes;   receiving, from the user, an instruction selecting which one of the first and second electronic barcodes to display;   displaying one of the first and second electronic barcodes, wherein:
 the displayed electronic barcode being a selection by the instruction from the user, 
 the displayed electronic barcode being configured to be scanned by a barcode scanner of a shop system, and 
 the displayed electronic barcode is used for a payment activity of the user to be verified by at least one of the first and second server systems via the wireless network.