公开(公告)号：US20070061256A1

公开(公告)日：2007-03-15

申请号：US11497645

申请日：2006-08-02

申请人： Kyung Park ,  Chul Kim ,  Que Hwang ,  Bong Jung ,  Kwang Sung ,  Do Kim ,  Hoon Jung ,  Bog Kang ,  Eun Cho ,  Won Kim ,  Dae Kim ,  Kwang Chang ,  Heo Woo

发明人： Kyung Park ,  Chul Kim ,  Que Hwang ,  Bong Jung ,  Kwang Sung ,  Do Kim ,  Hoon Jung ,  Bog Kang ,  Eun Cho ,  Won Kim ,  Dae Kim ,  Kwang Chang ,  Heo Woo

IPC分类号： G06Q40/00

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/351 ,  G06Q20/355 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0213 ,  G06Q30/0222 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/0866 ,  G07F7/1008

摘要： An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone or a PDA and the optical transceiver is connected to a card inquiry machine to thereby optically transmit and receive card information. The card inquiry machine recognizes the received card information in the same manner as that of the card reader reading a magnetic card, and transmits the card information to a VAN company server or a card company server, to then request for an approval and settle transactions. The present invention is applied to most fields where financial transactions are performed as in a general commerce, a toll gate fee or tunnel passage fee collection system, a subway or bus fare levying system, a gas station, a department store, a drive-thru ordering system, a vending machine, and a fee payment system of kiosks. Also, the present invention can be applied to an entrance/exit security system requiring personal identification. Thus, the present invention can use a portable terminal as a payment unit without carrying a cash or cards, to thereby provide an effect of performing a safer and more reliable credit transaction.

摘要翻译： 光学付费收发器和使用该支付收发器的光学结算系统使用结合有光收发器的个人便携式终端作为用于结算的卡替代支付单元。 这里，卡信息被结合在与诸如便携式电话或PDA的光收发器结合的个人便携式终端中，并且光收发器连接到卡查询机，从而光学地发送和接收卡信息。 卡片查询机以与阅读磁卡的读卡器相同的方式识别接收到的卡片信息，并将卡片信息发送到VAN公司服务器或卡公司服务器，然后请求批准和结算交易。 本发明适用于大多数领域，如在一般商业，收费站费或隧道通行费收费系统，地铁或公共汽车票价征收系统，加油站，百货公司，直通车 订购系统，自动售货机和售货亭的付费系统。 此外，本发明可以应用于需要个人识别的入口/出口安全系统。 因此，本发明可以使用便携式终端作为支付单元而不携带现金或卡，从而提供执行更安全和更可靠的信用交易的效果。

公开(公告)号：US20080103981A1

公开(公告)日：2008-05-01

申请号：US11877346

申请日：2007-10-23

申请人： Kyung Park ,  Chul Kim ,  Oue Hwang ,  Bong Jung ,  Kwang Sung ,  Do Kim ,  Hoon Jung ,  Bog Kang ,  Eun Cho ,  Won Kim ,  Dae Kim ,  Kwang Chang ,  Heo Woo

发明人： Kyung Park ,  Chul Kim ,  Oue Hwang ,  Bong Jung ,  Kwang Sung ,  Do Kim ,  Hoon Jung ,  Bog Kang ,  Eun Cho ,  Won Kim ,  Dae Kim ,  Kwang Chang ,  Heo Woo

IPC分类号： G06Q30/00 ,  G06Q40/00 ,  H04L9/00

CPC分类号： G06Q20/322 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/20 ,  G06Q20/32 ,  G06Q20/325 ,  G06Q20/327 ,  G06Q20/341 ,  G06Q20/342 ,  G06Q20/351 ,  G06Q20/355 ,  G06Q20/363 ,  G06Q20/367 ,  G06Q20/3672 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0213 ,  G06Q30/0222 ,  G06Q40/00 ,  G07F7/025 ,  G07F7/0866 ,  G07F7/1008

摘要： An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for settlement. Here, card information is incorporated in a personal portable terminal incorporated with an optical transceiver such as a portable phone or a PDA and the optical transceiver is connected to a card inquiry machine to thereby optically transmit and receive card information. The card inquiry machine recognizes the received card information in the same manner as that of the card reader reading a magnetic card, and transmits the card information to a VAN company server or a card company server, to then request for an approval and settle transactions. The present invention is applied to most fields where financial transactions are performed as in a general commerce, a toll gate fee or tunnel passage fee collection system, a subway or bus fare levying system, a gas station, a department store, a drive-thru ordering system, a vending machine, and a fee payment system of kiosks. Also, the present invention can be applied to an entrance/exit security system requiring personal identification. Thus, the present invention can use a portable terminal as a payment unit without carrying a cash or cards, to thereby provide an effect of performing a safer and more reliable credit transaction.

摘要翻译： 光学付费收发器和使用该支付收发器的光学结算系统使用结合有光收发器的个人便携式终端作为用于结算的卡替代支付单元。 这里，卡信息被结合在与诸如便携式电话或PDA的光收发器结合的个人便携式终端中，并且光收发器连接到卡查询机，从而光学地发送和接收卡信息。 卡片查询机以与阅读磁卡的读卡器相同的方式识别接收到的卡片信息，并将卡片信息发送到VAN公司服务器或卡公司服务器，然后请求批准和结算交易。 本发明适用于大多数领域，如在一般商业，收费站费或隧道通行费收费系统，地铁或公共汽车票价征收系统，加油站，百货公司，直通车 订购系统，自动售货机和售货亭的付费系统。 此外，本发明可以应用于需要个人识别的入口/出口安全系统。 因此，本发明可以使用便携式终端作为支付单元而不携带现金或卡，从而提供执行更安全和更可靠的信用交易的效果。