Abstract: The present invention relates to a bill splitting system. The bill splitting system, according to one aspect of the present invention, comprises a user terminal for requesting bill splitting; and a payment server for receiving payment request information from at least one user terminal according to a bill splitting request for a total payment amount corresponding to inputted order information, and authenticating the payment.

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: According to one aspect of the present invention for accomplishing the aforementioned purpose, a mobile authentication method performed by a portable user device comprises the steps of extracting a telephone number of the portable user device, transmitting member information including the telephone number to an authentication server, receiving a user authentication number using the member information from the authentication server, extracting unique user identifiers (UUID) of an application (app) installed in the portable user device, and transmitting the extracted UUID of the app and the received user authentication number to a service server.

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: To achieve the above-mentioned objective, an automated teller machine service system according to one aspect of the present disclosure includes an automated teller machine (ATM) including a near-field communication (NFC) tag, a mobile terminal including a NFC chip and an input/output device for processing a deposit or withdrawal, and a server configured to receive transaction information for processing the deposit or withdrawal from the mobile terminal and, in a case in which the transaction information is identical to previously-saved information as a result of comparing the two pieces of information, transmit deposit/withdrawal authorization information to the ATM, wherein, when the NFC chip is brought into contact with the NFC tag, the ATM transmits a deposit/withdrawal application running command to the mobile terminal, and the mobile terminal receives the command and then runs the application to transmit the transaction information to the ATM or the server.

Abstract: The present invention relates to a system for authenticating a financial transaction, and a combination password and signature information identity authentication server, according to one embodiment of the present invention, comprises: a variable keypad generating unit for generating a variable keypad including encryption keys and a signature input part which receives an input of the signature of a user, wherein the position of each of the encryption keys is changed every time the encryption keys are generated; an authentication information saving unit for saving authentication information of a user of a mobile terminal; and an authentication unit for receiving, from the mobile terminal, position information of the encryption keys according to the order inputted by the user, and signature information inputted by the user on the signature input part, and using same to authenticate identity.

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: The present invention relates to a system and method for providing a payment service of a two-channel authentication method utilizing a card reader infrastructure and a portable user terminal. The system for providing a payment service according to an aspect of the present invention includes an affiliate POS terminal configured to receive MIN card information and generate and transmit a transaction approval request signal, and a server configured to receive the transaction approval request signal, transmit a transaction authentication request signal to a portable user terminal, and transmit approval request information to a financial institution server when transaction authentication is completed from an input signal of the portable user terminal.

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: Disclosed are a complex payment system using a portable terminal, and a complex payment method. According to the present invention, a portable terminal such as a smartphone or a vendor server may analyze and display an optimum payment condition containing a minimum payment amount using bonus information such as card information, discount information, membership point information, or coupon information when a user pays, thus preventing personal information leakage and enabling the user to pay a minimum amount by means of his/her credit card using the bonus information.

Abstract: Disclosed herein are a payment system and method for a vending machine using a mobile terminal. The apparatus includes a mobile terminal, a service provider server, and a vending machine service provider server. The mobile terminal obtains the ID information of the vending machine from a tag attached to the vending machine, displays the amount of money to be paid for a product on a screen, and stores a receipt for the amount of money to be paid. The service provider server receives payment request information from the mobile terminal, approves the amount of money to be paid, and generates a transaction serial number. The vending machine service provider server receives the ID information, the transaction serial number, and the amount of money to be paid from the service provider server, and sends the information about the amount of money to be paid to the vending machine.

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: The present invention relates to a payment system using a mobile communication terminal, and includes a transceiver having a dummy function, a purchaser mobile communication terminal, and a gateway. The transceiver having a dummy function transmits purchase information and merchant information, which are received from a POS system or a reader, in a Near Field Communication (NFC) manner. The purchaser mobile communication terminal performs user authentication, and transmits card information either selected by the purchaser or set depending on priorities, and the purchase information and the merchant information that are received from the transceiver. The gateway transmits the card information received from the purchaser mobile communication terminal to a card company server, receives payment approval from the card company server, and transmits the payment approval to the purchaser mobile communication terminal, the POS system or the reader.

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.