| 摘要 |
The present invention provides a payment apparatus and method using a barcode stored in a mobile communication terminal. The present invention stores a barcode in a user's mobile communication terminal, allows the user to use a desired amount of money in a deferred payment manner using the barcode within a credit limit of a user's credit card, and allows the user to use this apparatus by entering a barcode number stored in the mobile communication terminal and a secret number through personal communication means, thus minimizing inconveniences due to the carrying of credit cards, preventing crimes due to the loss of credit cards, enabling the user to pay a commodity purchasing price later or in advance according to the user's selection, reducing a burden caused by the use of credit cards by a credit card user, and enabling the user to conveniently and safely pay for commodities and services |
