Abstract: A transaction processing system using product-specific purchaser group information is disclosed. The transaction processing system using product-specific purchaser group information includes: a purchase data acquisition unit for collecting purchase data of a purchaser; a product-specific purchaser information classification and integration unit generating product-specific purchaser group information by classifying and integrating product-specific purchaser information by means of the purchase data; a demand prediction unit for predicting a demand for a product corresponding to the product-specific purchaser group information; and a deal making and proposing unit for making a deal with a seller by means of the predicted demand information, and proposing a purchase in accordance with same.

Abstract: Provided is a smart shopping method using a user terminal. Use information of various benefit means available to a user may be previously checked, set, and stored, and when making a payment, a transaction serial number may be presented to an affiliated store terminal, thereby enabling all benefit means to be easily applied. Also, since a payment serial number is presented along with a transaction serial number, a mobile payment to which a benefit means is applied may be performed by presenting only a user terminal, thereby enabling a user of the user terminal to shop quickly and conveniently.

Abstract: The present disclosure relates to a payment service system. The payment service system may include a service offerer terminal configured to transmit payment target information through a wireless communication method; a user terminal configured to receive the payment target information and transmit a payment request; and a service provider server configured to transfer an approval result for the payment request by performing communication with a financial corporation server.

Abstract: A seller calculator and a payment system including the seller calculator are disclosed. The seller calculator includes an input unit for receiving numeric data and operation commands for calculating payment amount information; a processor for calculating the payment amount information; and a communicator for transmitting the payment amount information and seller-side identification information. The payment system includes the seller calculator for transmitting the payment amount information and the seller-side identification information; and a purchaser device for receiving the payment amount information and the seller-side identification information to perform mobile payment.

Abstract: Provided are a settlement server and methods for performing member store payment settlement and account management. The settlement server includes a receiver configured to receive deposit information and payment information to be sent to a service provider account according to payment approval, a memory in which a program for performing member store payment settlement using the deposit information and payment information is stored, and a processor configured to execute the program in which the processor performs balance adjustment between service provider accounts for each bank.

Abstract: Provided is a mobile payment processing system and method. When making a payment request, an affiliated store terminal directly generates transaction identification (T-ID) information and provides the generated T-ID information to a mobile terminal, and a user of the mobile terminal can use a rapid mobile payment service since the payment can be processed without waiting a response signal of a payment processing server receiving a payment request signal. Further, since user datagram protocol (UDP) communication is performed between the affiliated store terminal and a payment processing result notification server while a mobile payment is performed, the payment processing result notification server and the affiliated store terminal are provided so as to directly inquire a transaction state in the affiliated store terminal when the payment is completed by the mobile terminal.

Abstract: The present invention relates to a user authentication server which mixedly uses both a password and biometric information. The user authentication server comprise: a variable keypad generation unit for generating a variable keypad including password keys and a biometric authentication key, wherein the position of each password key and the position of the biometric authentication key are changed in each generation of the keypad; an authentication information storage unit for storing authentication information of portable terminal users; and an authentication unit for authenticating a user by remotely providing information of generated variable keypad to a portable terminal, and comparing biometric information and information of the positions of the password keys in accordance with the order of input by the user, received from the portable terminal, with the authentication information stored in the authentication information storage unit.

Abstract: The present invention relates to a user authentication server which mixedly uses both a password and biometric information. The user authentication server comprise: a variable keypad generation unit for generating a variable keypad including password keys and a biometric authentication key, wherein the position of each password key and the position of the biometric authentication key are changed in each generation of the keypad; an authentication information storage unit for storing authentication information of portable terminal users; and an authentication unit for authenticating a user by remotely providing information of generated variable keypad to a portable terminal, and comparing biometric information and information of the positions of the password keys in accordance with the order of input by the user, received from the portable terminal, with the authentication information stored in the authentication information storage unit.

Abstract: A user authentication server includes: a variable keypad generation unit for generating a variable keypad including password keys and a biometric authentication key, wherein the position of each password key and the position of the biometric authentication key are changed in each generation of the keypad; an authentication information storage unit for storing authentication information of portable terminal users; and an authentication unit for authenticating a user by remotely providing information of generated variable keypad to a portable terminal, and comparing biometric information and information of the positions of the password keys in accordance with the order of input by the user, received from the portable terminal, with the authentication information stored in the authentication information storage unit.

Abstract: The present invention relates to a user authentication server which mixedly uses both a password and biometric information. The user authentication server comprise: a variable keypad generation unit for generating a variable keypad including encryption keys and a biometric authentication key, wherein the position of each encryption key and the position of the biometric authentication key are changed in each generation of the keypad; an authentication information storage unit for storing authentication information of portable terminal users; and an authentication unit for authenticating a user by remotely providing information of generated variable keypad to a portable terminal, and comparing biometric information and information of the positions of the encryption keys in accordance with the order of input by the user, received from the portable terminal, with the authentication information stored in the authentication information storage unit.

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.

Abstract: Provided is a smart shopping method using a user terminal. Use information of various benefit means available to a user may be previously checked, set, and stored, and when making a payment, a transaction serial number may be presented to an affiliated store terminal, thereby enabling all benefit means to be easily applied. Also, since a payment serial number is presented along with a transaction serial number, a mobile payment to which a benefit means is applied may be performed by presenting only a user terminal, thereby enabling a user of the user terminal to shop quickly and conveniently.

Abstract: Provided is a mobile payment processing system and method. When making a payment request, an affiliated store terminal directly generates transaction identification (T-ID) information and provides the generated T-ID information to a mobile terminal, and a user of the mobile terminal can use a rapid mobile payment service since the payment can be processed without waiting a response signal of a payment processing server receiving a payment request signal. Further, since user datagram protocol (UDP) communication is performed between the affiliated store terminal and a payment processing result notification server while a mobile payment is performed, the payment processing result notification server and the affiliated store terminal are provided so as to directly inquire a transaction state in the affiliated store terminal when the payment is completed by the mobile terminal.

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.

Abstract: 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.

Abstract: Provided is a method of providing a billing and payment service using a settlement service function of a mobile electronic wallet, and a system therefor, which enables companies to charge customers for rates through their mobile devices, respectively, and enables the customers to directly pay for the rates using a settlement service function of a mobile electronic wallet without exposing banking information to a rate receipt institution on a regularly monthly basis. A rate guidance message is sent to a customer using a short message service (SMS) that is a wireless communication network service of a mobile device. If the customer confirms the guidance message, the mobile device automatically gains access to the rate demand company by call back URL or TCP/IP communication. Then, after undergoing a simple authentication procedure for confirming whether or not the access person is a true person, a rate bill including payment particulars is displayed on a screen of the mobile device.

Abstract: Provided is a method of and system for settling signatureless payment of a slip of bank card sales in a mobile terminal such as a cellular phone, a personal digital assistant, and a smart phone, having a mobile IC (Integrated Circuit) chip card, to then be printed on a transaction approval sales slip, to thereby make personal authentication completed and prevent the sales slip from being forged or fabricated, without signing on a customer's autographical signature of the sales slip. The signatureless payment settlement system has an algorithm for producing a personal authentication value in an IC chip card mounted on the mobile terminal including the cellular phone or PDA (Personal Digital Assistant), and receives a card issuing company key, card issuing information, a card password, an IC chip card produced random number to produce a personal authentication value.

Abstract: A user interfacing method of financial settlement using a mobile enables a user to select one among a number of financial settlement cards contained in the mobile unit as a default card, and to perform an immediate settlement as the selected default card. When a menu is displayed on a settlement display screen, cards are classified by places of uses. A soft key is provided to easily achieve a menu shift. Communications are performed between the mobile unit (MU) and the base unit (BU) of the card terminal, by pressing an external key provided on an appropriate outer portion of the MU one time. Thus, the BU transmits an identifier includes information about a card to be used for settlement according to each use and whether or not a password is required, and the MU transmits necessary settlement information based on the received identifier to thereby perform a settlement.

Abstract: Provided is a method of and system for settling signatureless payment of a slip of bank card sales in a mobile terminal such as a cellular phone, a personal digital assistant, and a smart phone, having a mobile IC (Integrated Circuit) chip card, to then be printed on a transaction approval sales slip, to thereby make personal authentication completed and prevent the sales slip from being forged or fabricated, without signing on a customer's autographical signature of the sales slip. The signatureless payment settlement system has an algorithm for producing a personal authentication value in an IC chip card mounted on the mobile terminal including the cellular phone or PDA (Personal Digital Assistant), and receives a card issuing company key, card issuing information, a card password, an IC chip card produced random number to produce a personal authentication value.