| 摘要 |
The present invention relates to a system and method for payment and settlement for an electronic transaction. More particularly, the present invention relates to a system and method for payment and settlement using a barcode, in which a user may generate a one-time barcode representing an intention to pay the amount of money that the user may spend on an electronic transaction, and may perform settlement online and offline by using the barcode within the amount of money of the barcode. When a user intends to purchase goods online and offline, the user generates a barcode, representing an intention to pay the amount of money corresponding to the price of the goods, in a smart device prior to purchasing the goods, and then the user can perform settlement using only the barcode, within the amount of money encoded in the barcode at the time of generating the barcode, at online and offline affiliated stores that can read the barcode in the smart device. Accordingly, since personal and settlement information of the user do not need to be exposed in actual online and offline stores, the present invention has an effect of improving security. |
