KR100820356B1 - Payment device and method using a mobile. - Google Patents

Abstract

The present invention relates to a payment method using a mobile, photographing the output by using a camera installed in the consumer mobile to recognize the data recorded in the cell, encrypts the recognized data and authorizes it to the transaction bank server, the authorized data Based on this feature, the bank bank displays the user's mobile to transfer the money to the seller's account, photographs the output using the mobile where the communication line is not connected, and takes the photographed cell to the user's mobile. Recognized in, processing the recognized data is authorized to the bank server to transfer the amount to the account, so people who do not use the mobile can easily pay the amount, a separate credit card terminal is not installed Users who don't have enough cash because they can make payments It is also convenient to do it, and it is done through several steps at the beginning to perform the account transfer through mobile, thereby preventing the waste of time and money, so that it is possible to activate the mobile banking, the time required for the mobile banking and This can reduce monetary losses.

Printouts, printout terminals, consumer mobiles, payments, bank transfers,

Description

Payment device using mobile and its method. {Settlement device using mobile and the peocedure

Figure 1a is a block diagram showing the configuration of a payment device using a mobile according to the present invention.

1B is a block diagram showing the configuration of another embodiment of FIG. 1A.

Figure 2a is a block diagram showing the contents described in the output of the present invention.

Figure 2b is a block diagram showing another embodiment of Figure 2a.

Figure 3 is a flow chart showing the steps of a payment method using a mobile according to the present invention.

4 is a flowchart illustrating a process of recognizing a cell of FIG. 3.

* Description of the symbols for the main parts of the drawings *

10: consumer mobile 20: output terminal

20a: Receipt Reader 20b: Merchant Mobile

21: Output 22: Cell

30: carrier 40: bank server

41: bank database 50: transfer bank server

51: Transfer Bank Database

The present invention relates to a payment method using a mobile, more specifically, the purchase of goods in an area where the Internet or a separate leased line is not hypothesized, or an area that cannot be paid through a credit card at an independently formed store, a board format The present invention relates to a payment method using a mobile to allow a user to pay a bill using a user's mobile in a region where payment is possible through a payment method other than cash.

In general, the payment method is a cash, credit card (general credit card, mobile credit card, debit card, etc.) by using a payment corresponding to the goods to purchase the goods.

In general, the cash can be settled by purchasing goods regardless of the region and place, but it is very inconvenient to carry, there is a problem that can not pay for the goods other than the cash in possession.

When the price of goods is higher than the cash in hand, payment is made through a separate payment method, and most of them pay the price using a credit card.

However, there is a problem in that the credit card cannot be used because the credit card cannot be used when the communication line is not connected to the payment terminal.

And the current alternative means of payment for goods is mobile, which is usually divided into two cases.

The first method is to make a payment through a mobile credit card access terminal while a mobile credit card is mounted on the mobile. However, a payment can be made with a mobile credit card when the communication line is not connected to the payment terminal. There is no problem.

Second, payment is made using the wireless Internet, that is, the payment can be made by accessing the internet network through a mobile phone and transferring the goods to the corresponding account of the seller.

However, users who are inexperienced in dealing with mobile have a problem in that they are reluctant to use payment methods that are performed through a plurality of steps through a wireless Internet network using mobile.

In the second case, no one can use it, that is, the situation is being used mainly in any one age because of the problem that there is no universality, there is a problem that banking through the mobile is not activated.

The present invention is to solve the above problems, it is possible to pay the price corresponding to the goods using the user mobile, the account of the seller who sells the goods even if the communication line (wired) is not installed, such as credit card payment It relates to a payment method using a mobile so that the money can be deposited.

In addition, there is another object to provide a payment method using a mobile that can be paid for the goods even if the person does not know the function of the mobile.

In addition, an object of the present invention is to provide a payment method using a mobile to enable the mobile banking by enabling the user to easily transfer the account through a minimum step by performing the steps performed through the mobile implicitly. have.

The present invention for achieving the above object is an output terminal for outputting the details of the date, amount, account holders, transfer account, transaction bank, and the contents of the date, amount, account holder, transfer system account, transaction bank through the output terminal; Its output is printed in cells, the user's mobile camera is equipped with a camera to shoot the output, and a mobile carrier that acts as an intermediary to transmit data authorized through the user's mobile bank to the user's bank. Authorizes the transfer to the bank account server that compares / analyzes the authorized data and transfers the money through the account or user-specific data stored in the bank database and the account stored in the bank database based on the data authorized by the bank server. Using a mobile, characterized in that consisting of a transfer bank server It provides the device.

The present invention for achieving the above object is to take a picture of the output output through the output terminal to convert the image into a cell, and to recognize it in the mobile to convert the specific data that can be checked in the bank server, and to encrypt the converted data It provides a payment method using a mobile, characterized in that the authorization to the bank server through the mobile communication company, the payment for the goods by transferring the payment to the account of the transfer bank server based on the authorized data. .

In addition, the present invention comprises a tenth step of issuing an output in which the information of the time, money, recipients is recorded in the output dispenser; Photographing the issued output with a user mobile (20); A thirtieth step of converting the photographed cells into data; A step 40 of acquiring information from the data and storing the information in a memory of the mobile; Processing the data on data stored in the memory and user information; A sixty step of encrypting the processed data; Step 70 for authorizing the encrypted data to the transaction bank server through the mobile communication company; Step 80, if the transaction bank server recognizes the data authorized by the transaction bank, displaying the corresponding reply on the mobile; A ninety step of checking whether the information is to be transferred by checking the displayed information; If the bank transfer is selected, step 100 of outputting details of the bank transfer; If the final payment is selected from the detailed output, step 110 of applying a signal to transfer the amount indicated on the output to the seller's account; A step 120 for allowing a user to input a password according to a user account based on the data signal applied in step 110; When the password is input in step 120, the transaction bank server transfers the transaction to the seller transfer bank server based on the authorized signal, and performs step 130 of displaying the final contents of the transfer to the user mobile. Provide a payment method.

In addition, the present invention converts to binary based on the value entered by the seller through the seller's receipt printer or seller's mobile, patterned by positioning each cell through a specific protocol in the converted value, patterned cells To the consumer's mobile, binarize the captured image, change from binary image to binary number, and store the data in the database on the consumer transaction bank server in the database in the prescribed format through the changed binary value. It provides a payment method using a mobile, characterized in that by extracting the data based on the data to transfer the corresponding amount to the transfer bank server.

Hereinafter, a payment method using a mobile according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 1a is a block diagram showing the configuration of a payment device using a mobile according to the present invention, Figure 1b is a block diagram showing the configuration of another embodiment of Figure 1a, Figure 2a is a configuration showing the contents described in the output of the present invention Figure 2b is a block diagram showing another embodiment of Figure 2a, Figure 3 is a flow chart showing the steps of the payment method using a mobile according to the present invention, Figure 4 shows a process of recognizing the cell of Figure 3 Flowchart.

As shown in Figures 1 to 4 the present invention is an output terminal 20 for outputting the details of the date, amount, account holder, transfer account, transaction bank so that the user can transfer the account for the purchase of goods, Through the provided output terminal 20, the contents of the date, the amount, the account holder, the transfer account, the transaction bank and the contents thereof are represented by the cell 22 and displayed or printed, and the output 21 can be photographed. Through the consumer mobile 10 equipped with a camera, the mobile carrier 30 acting as an intermediary to transmit data authorized through the consumer mobile 10 to the user's trading bank, and the mobile communication company 30 The transaction bank server 40 and the transaction bank server 40, which compares / analyzes the authorized data and transfers the money through the account or user-specific data stored in the transaction bank database 41, It is composed of a transfer bank server 51 for storing the amount in the account stored in the transfer bank database 50 as a reference.

The output terminal 20 prints the cell on paper, and the shape of the cell according to the value input by installing the receipt output 20a or a specific program for outputting the date, the final payment amount, the account holder, the transfer system account, the transaction bank, etc. It consists of a cell output mobile (20b) to display a combination.

The receipt output machine 20a is used by mounting a program capable of printing the cell 22 on a small sized output machine which is commonly used, and the cell output mobile 20b is a seller (taxi, express bus, airplane, small stand, A specific program is mounted so that a value (sold amount of money) input by a sales stand, etc., which cannot be settled by credit, is applied to be output on the display of the cell output mobile 20b.

The program downloaded and stored in the three-output mobile 20b, like other programs downloaded on the basis of Wipi, has an icon of the corresponding program in the library area, and the program can be driven through it.

At this time, by the program installed, the seller initially set the transfer bank, account number, and the account holder is initially set and fixed, and the time is automatically entered based on the time displayed on the cell output mobile 20a. Just enter the cell and the cell is displayed on the mobile.

The output 21 outputted through the output terminal 20 displays the date of purchase of the goods, the final payment amount, the account holder, the transfer account, the transaction bank, etc., and the contents displayed on the output 21 are displayed in the cell ( 22) to be converted into data in the consumer mobile (10) through this.

The cell 22 is formed in the shape of an English letter 'T' as shown in the figure, but this is for explaining one embodiment, and it is possible to print and read data regardless of which one can have directionality. It can be used as a means.

The bank 40 or the transfer bank 50 may display a specific number set for each bank, for example, Kookmin Bank 04, IBK 03, Nonghyup 11, and Post Office 71.

Then, the cell 22 is photographed in the output 21 output through the output terminal 20, recognized by the mobile 10, and changed into specific data that can be checked in the transaction bank server 40. Encrypted and authorized through the mobile communication company 30 to the transaction bank server 40, the payment for the goods can be settled by transferring the payment to the account of the transfer bank server 50 based on the authorized data.

Referring to the above process in more detail, a tenth step (S10) for issuing the output 21, the time, money, information of the recipient is recorded in the output terminal 20; A 20th step (S20) of photographing the issued output with the user mobile 10; A thirtieth step (S30) of converting the captured image into a cell 22; A step S40 of acquiring information from the converted data and storing the information in a memory of the user mobile 10; A 50th step (S50) of processing data on the data stored in the memory and my information; A sixty step S60 of encrypting the processed data; A seventy step S70 of authorizing the encrypted data to the transaction bank server 40 via the mobile telecommunication company 30; Recognizing the data authorized by the transaction bank in the transaction bank server 40, step 80 of displaying the corresponding reply on the user mobile (S80); A 90th step (S90) of selecting whether or not to perform a wire transfer by checking the displayed information; If the bank transfer is selected, step 100 (S100) for outputting the details of the account transfer; In step 110, when the final payment is selected from the detailed output, the signal is applied to the seller's account so that the amount indicated on the output is transferred; Step 120 (S120) for allowing a user to input a password according to a user account based on the data signal applied through step 110 (S110); When the password is input in step 120 (S120), the transaction bank server 40 transfers the transaction to the seller transfer bank server 50 based on the authorized signal, and displays the final contents of the transfer to the user mobile 10. Step 130 is performed.

In operation 30, when the user photographs the cell 22 for performing the account transfer, the operation 31 determines whether the cell 22 is a valid cell 22, and when it is determined that the cell 22 is valid, the cell 22 Binarization is performed in step 32 (S32).

In the thirty-second step S32, a thirty-third step S33 of extracting an outer edge from the shape of each of the binarized cells 22 is performed, and checking which direction the cell 22 is facing in the extracted outer edge. A thirty-fourth step S34 is performed.

In the thirty-fourth step S34, a thirty-fifth step S35 for setting a code according to a direction is performed; and a thirty-six step S36 for extracting data according to a code is converted to convert the cell 22 into data. Do the process.

The output 21 indicates the selling time, the final selling amount, the account holder, the transfer account, the trading bank, and the output terminal may be small without a communication line.

User information consists of account holder, transaction bank, account number, password and authentication code according to the account number is authorized to the transaction bank server through the mobile communication company (30).

In addition, the captured image is recognized by the mobile device by itself, specific encoding thereof, the encoded data is stored in the memory of the user mobile device 10, and the stored data can be displayed later so that the user can check it.

It describes the operation of the payment method using a mobile according to the present invention configured as described above.

The user mobile 10 is configured to be equipped with a mobile camera and the certificate certified by the bank to be able to check this on the bank server 40.

The seller installs an output terminal 20 capable of outputting the output 21 so that the user can purchase the goods, and the output terminal 20 installed at this time is a receipt output machine 20a or a seller mobile 20b. ) Outputs the output 21 using any one of.

The receipt output machine 20a is equipped with a predetermined program so that the data input by the seller is converted into the cell 22 and printed, and at the same time the contents thereof are printed accordingly, and can be used regardless of its size.

The seller mobile 20b is equipped with a program operated on a Wipi basis, and the mounted program has an icon of a program corresponding to a separate library area, and drives the corresponding program through it.

When the seller registers a service through online or offline in order to mount a predetermined program on the seller mobile 20b, the seller is given a unique ID.

At the same time, the seller downloads a program that can output the pattern on the screen of the seller mobile 22b.

The program converts and outputs the predetermined data into the cell 22 based on the input value and the preset value.

At this time, the preset values are transfer bank, account number, and account holder, and those which are not set in advance are sales date, time, and sales amount.

Data according to the cells represented in the output 21 is applied as shown in the table below.

Sale time Date (year, month, day) + hour (hour, minute, second) sale price Calculate maximum amount considering small transaction Account Holder According to the number of mobile payment subscribers considering mobile subscribers Bank Code Grant Area by Commercial Bank Two seats Areas that banks recognize for mobile accounts Area that indicates mobile payment pattern Area that recognizes mobile payment by considering pattern recognition technology elsewhere

1. Sales time

The year, month, and day (hour, minute, second) that make up the date can be calculated as follows:

Configuration item Contents Count year Predict the life of the technology and enter up to 64 years 2 Month, day One year counts as 365 or 366 days 3 Hour, minute, second 84600 seconds a day 6

2. Sales amount

Assuming that it is a small sale, it can be set up to KRW 250,000, and accordingly, if the number of cells is assigned to 6, 8 ⁶ can be displayed as 262,114, and accordingly, it can be set to KRW 261114 to make payment according to the sales amount. do.

3. Deposit notes

Currently, the number of mobile subscribers reaches 36 million, and the number of cells is calculated to generate IDs for all applications. Since 8 ⁸ = 16775296 and 8 ⁹ = 134202368, all three subscribers are assigned to apply all 36 million subscribers.

4. Bank

Considering the banks in the market, up to 64 banks allocate two cells so that they can be registered. If there are banks which are changed in the future, sufficient cells are allocated to register the banks accordingly.

5. This system

Since there may be various accounts of the account holders of each bank, one cell 22 is allocated to register up to eight accounts.

6. Areas that indicate mobile payment

Two cells 22 are allocated to allow sufficient data to be input.

So if you list each assigned cell,

Selling time (11 = 2 (year) + 3 (month, day) + 6 (hour)) + sales amount (6) + depositor (9) + bank (2) + transfer account (1) + mobile payment It can be seen that the area 2 is composed of 31 cells.

At this time, the bank and the transfer account are designated as withdrawal accounts, like credit cards, and all are included in the account holder database, so there is no need to put information in the pattern. Therefore, in this case, it is possible to configure 28 cells 22 in which three cells are reduced.

In the process of constructing the cell, the pattern can contain 8 pieces of information for each of 36 cells 22, so that the number of 2 ¹⁰⁸ cases can be represented, and 108 binary digits can be represented.

32 digits are required to represent the member ID, 32 digits are required to display the date, and 16 digits are allocated to display the price, 28 digits are left, and the remaining information is allocated to these 28 digits. use.

The above format can be arbitrarily changed by the service provider providing the service, and the arrangement can also be changed frequently so that others cannot easily steal.

For example, if the ID is 2259203 and it is represented by 32 digit binary numbers, it is 00000000001000100111100100000011.

If the date is December 15, 2005, which is represented in 32 binary digits, then 00000001001100011111010100001111.

In this way, all the information (bank, account number, account holder, sales amount, sales time, etc.) is transformed into a binary number of 108 digits in order, and cut into three digits from the front and converted into a value from 0 to 7.

This creates an array of 36 characters of values from 0 to 7. If you add one by one, you get an array of values from 1 to 8.

Transforming and mapping it to the corresponding cell creates a pattern, for example 108 binary digits

If it was 000000000010001001111001000000110000000100110001111101010000111100000000101001010000001000100111100100000011

The code is => 1 1 1 3 2 2

          8 2 1 1 7 1

          1 5 7 2 8 6

          3 1 8 5 1 1

          6 2 3 1 2 1

          5 8 5 5 1 4

When this is converted into a cell, the following pattern is formed.

Each T-shaped cell stores an image corresponding to each cell shape in the program, and shapes the T-shaped cell into a pattern as described above by arranging the T-shaped cell in a desired position.

The cell 22 is not limited as shown in the figure and may be printed on the output 21 by varying the configuration of the cell 22 according to the amount of data.

When the user selects the account transfer for the corresponding amount by using the mobile 10, the consumer mobile 10 is automatically converted to a mode that can perform the transfer to perform the steps as described above, which does not use the mobile well People or well users can be used easily without the distinction of people.

In order to pay for the goods purchased by the user, the cell 22 marked on the output 21 is photographed through a camera installed in the user mobile 10.

The photographed cell 22 recognizes information on an image by a specific algorithm in the mobile 10, and the method of recognizing performs binarization on the cell 22 indicated on the output 21.

The outer edge of each shape is extracted from the binarized cell 22, and the direction of each cell 22 in the extracted outer edge is determined.

The directions of the cells 22 are all set in eight directions, and the code values are substituted in each of them.

In this case, when four or five cells 22 printed on one line are applied, the number of each is applied to represent the total number. That is, if the number 3 is applied in the first cell 22 and the number 4 is applied in the second cell 22, and the number 6 and 7 are applied next, the number set in one line is 3467.

At this time, the data according to the number 3467 is extracted. At this time, the number is binarized, and the data is extracted according to the preset protocol.

When the direction of each cell 22 is known as described above, a specific code is set according to the direction of the cell 22 included in the one line, and data according to the assigned code value is applied.

Based on the applied data, the information displayed on the output 21 is converted into data that can be checked by the bank 40.

In the header of the converted data, a user certificate is attached to the transaction bank server 40 so as to confirm that the user is a real user through the attached certificate.

The data is processed by the user account information and password and the seller's time, transfer bank, account, payment amount, so that the user's transaction bank server 40 can be confirmed.

When data is authorized to the transaction bank server 40 through the wireless Internet, the transaction bank server 40 checks the user authentication document and the user's account number and password in the data.

And check the information of the seller to be transferred to the corresponding account number, determine whether there is an error in the confirmed information, based on the determined data whether to authorize the information to the user mobile 10 to transfer to the seller's account Make a choice.

At this time, if you choose not to perform a transfer, the process is terminated in the current state, and if the transfer is selected, the detailed information about the transfer is displayed on the user mobile (10).

When the detailed information is displayed on the user mobile, the user again checks the finally displayed information to select whether or not to finally transfer the account.

In this case, if the bank transfer is not selected, all the steps are completed in that state, and when the bank transfer is finally selected, the user mobile 10 approves the data signal to the bank bank 40 to the corresponding amount of money to the seller's account. To be transferred.

When the corresponding amount is transferred, the transaction bank server 40 displays the details transferred to the user to the user mobile 10.

The transaction bank server 40 searches the database 41 and checks whether there is data registered with the same password in the same account, and sends the details to the e-mail address selected by the user for the final processed contents.

What has been described above has been described, for example, in the case of purchasing any one item, which is not limited to the purchase of the item.

For example, when the user uses a taxi, the output 21 generated by the taxi is photographed by the user mobile 10 and transferred to the corresponding account through the above process.

And the process as described above can be paid for any place where issuing the output 21, or any place where the output terminal 20 can be installed through the above process.

When the user mobile 10 approves the data to the transaction bank server 40, the corresponding data is encrypted, and the encrypted data can be analyzed only in the transaction bank server 40, so it is very difficult for others to steal.

In addition, since the password according to the user authentication is performed by the password set in the mobile 10, a double password is input so that others cannot easily steal.

The mobile payment method according to the present invention photographs the output using a mobile in a place where a communication line is not connected, recognizes the photographed cell in the mobile, processes the recognized data and authorizes it to the bank account for the corresponding bank account. Since the amount to be transferred to people who do not use the mobile well, there is an effect that you can pay the amount conveniently.

In addition, since the respective codes according to the direction of the cell is given, and the account transfer is performed using the data according to the code added, there is an effect that the user who does not perform the transfer through the mobile can be conveniently used.

In addition, even if a separate credit card terminal is not installed, payment can be made for the user's money, so there is an effect that can be conveniently performed even for users who lack cash.

In addition, since the initial transfer is carried out in several stages to perform a wire transfer through mobile, it is possible to prevent waste of time and money, thereby activating mobile banking, and reducing the time and financial loss of mobile banking. It has an effect.

In addition, since the transfer is performed after the user's mobile and the bank recognizes the password, it is difficult for others to steal the user's information.

In addition, it can be implemented as a cheap output equipment (black and white printer, etc.) compared to the color code has the effect of reducing the cost of maintenance.

Claims (12)

Print out the output 21 through the output terminal 20, the date, amount, account holder, transfer account, the details of the transaction bank, and photograph the output 21 with a user mobile camera equipped with a camera to the mobile carrier In the payment device using the mobile to approve the data to the transaction bank server 40, and transfers the amount to the transfer bank server 50 based on the authorized data, The output 21 is photographed with a camera of the mobile 10 to authorize the data to the transaction bank server 40 via the mobile telecommunications company 30, so that the amount is transferred to the transfer bank server 51 in the output 21, the date, A payment device using a mobile, characterized in that the amount, account holder, transfer account, transaction bank server 40 is formed on the output in the form of a cell (22). delete The method of claim 1, Cell 22 is a payment device using a mobile, characterized in that the code value is set according to the direction of the date, amount, account holder, transfer account, the contents of the transaction bank. The method of claim 1, Cell 22 is a payment device using a mobile, characterized in that formed in the English 'T' shape to be associated with a specific code according to the direction. delete A tenth step (S10) of issuing an output (21) in which the information of time, amount, and recipient is recorded in the output dispenser (20); A 20th step (S20) of photographing the issued output with the mobile 10; A thirtieth step (S30) of converting the photographed cell 22 into data; A step S40 of obtaining information from the data and storing the information in a memory of the mobile 10; A 50 th step (S50) of processing the data with respect to the data stored in the memory and the user information; A sixty step S60 of encrypting the processed data; A 70 step (S70) of authorizing the encrypted data to the transaction bank server 40 via the mobile communication company; An 80th step (S80) of displaying the reply corresponding to the transaction when the data authorized to the transaction bank is recognized by the transaction bank server 40; A 90th step (S90) of selecting whether or not to perform a wire transfer by checking the displayed information; If the bank transfer is selected, step 100 (S100) for outputting the details of the account transfer; In step 110, when the final payment is selected from the detailed output, the signal is applied to the seller's account so that the amount indicated on the output is transferred; Step 120 (S120) for allowing a user to input a password according to a user account based on the data signal applied through step 110 (S110); When the password is input in step 120 (S120), the transaction bank server 40 transfers the transaction to the seller transfer bank server 50 based on the authorized signal, and displays the final contents of the transfer to the user mobile 10. The payment method using a mobile, characterized in that to perform a step 130 (S130). The method of claim 6, In the output 21, the selling time, the final selling amount, the account holder, the transfer account, the trading bank is represented in the form of a cell 22, the payment method using the mobile. The method of claim 6, User information is a payment method using a mobile, characterized in that consisting of account holder, transaction bank, account number, password and authentication code according to the account number. The method of claim 6, A thirty-first step S31 of determining whether a cell photographed by the user in order to perform an account transfer is a valid cell 22; If it is determined that the valid cell 22 is valid, the step 32 of binarizing the cell 22 is performed; A thirty-third step S33 of extracting an outer edge from the shape of each of the binarized cells 22 in a thirty-second step S32; A thirty-fourth step (S34) of identifying which direction the cell 22 is facing; A thirty-fifth step S35 for setting a code according to a direction in a thirty-fourth step S34; The payment method using a mobile, characterized in that consisting of a 36th step (S36) for extracting data according to the setting in the code. The method of claim 6, Cell 22 is a payment method using a mobile, characterized in that the code according to the direction of the date, amount, account holder, transfer account, the contents of the transaction bank is set. The method of claim 6, Step 70 (S70) is a payment method using a mobile, characterized in that for inputting the password set by the user to the mobile (10) to confirm whether the actual user before processing the data. Based on the value entered by the seller through the seller's receipt output machine (20a) or seller's mobile (20b) to convert to a binary number, in the converted value to locate and pattern each cell 22 through a specific protocol, Takes the patterned cell 22 with the consumer mobile 10, binarizes the captured image, converts the binary image from binary image, and converts the binary image into a consumer transaction bank by a format regulated through the converted binary value. The server 40 stores data in the database, and extracts the data from the stored binary to transfer the corresponding amount to the transfer bank server 50, characterized in that the mobile payment method using a mobile.

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