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 invention relates to providing a financial transaction and, more particularly, to a system and method for proceeding with a financial transaction in a financial terminal such as an automated teller machine (ATM) using an approval number resulting from pre-approval. The present invention is directed to providing a system and method for proceeding with a financial transaction, such as a cash withdrawal or a purchase of a gift certificate, by obtaining transaction approval in advance with a portable terminal through communication with a financial institution server or the like and then transferring only a result of the transaction approval to an ATM or the like.

Abstract: The present invention relates to providing a financial transaction and, more particularly, to a system and method for proceeding with a financial transaction in a financial terminal such as an automated teller machine (ATM) using an approval number resulting from pre-approval. The present invention is directed to providing a system and method for proceeding with a financial transaction, such as a cash withdrawal or a purchase of a gift certificate, by obtaining transaction approval in advance with a portable terminal through communication with a financial institution server or the like and then transferring only a result of the transaction approval to an ATM or the like.

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: In an embodiment of the present invention, there is disclosed a method of allowing a mobile payment program module to directly list up card information about a specific use (for example, payment, identification, membership, etc.) in the mobile communication terminal according to kinds of transaction characteristics and to select and use a desired card, instead of a method of delivering information (for example, service classification code information of AID code) determined by an external server to the mobile payment program module such that the mobile payment program module may find a corresponding card stored in the mobile communication terminal, among methods of selecting a specific card from among a plurality of cards stored in a mobile communication terminal.

Abstract: Provided is a card payment system. The card payment system includes an affiliated merchant terminal configured to transmit payment-related information including an affiliated merchant ID and a payment amount and a relay device configured to store the payment-related information transmitted from the affiliated merchant terminal in a memory, and provide the payment-related information stored in the memory to a mobile communication terminal of a customer, for a card payment using the mobile communication terminal of the customer. Accordingly, a customer can safely and quickly perform a credit transaction by using a mobile communication terminal of the customer even without presenting a payment card to an affiliated merchant, and moreover perform the credit transaction at a desired place in the affiliated merchant even without unnecessarily moving to a counter or exposing financial information of the customer.

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 payment processing system and a method thereof employing an off-line transaction approval mode of a mobile card. Card information and off-line transaction approval information is contained in a mobile device such as a cellular phone which us used as a mobile card. A server in a card issuing company computer center registers a Black List (B/L) on a corresponding card of the mobile device through an On-The-Air (OTA) function at the time when a Black List (B/L) item occurs. Accordingly, the mobile device confirms whether or not the card is included in the Black List (B/L) at the time of using the card for transactions. The mobile device communicates with a card reader in a card affiliated shop only when the card can be used for payment of transactions.

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.