KR100284579B1 - Small electronic payment based online service method - Google Patents

Abstract

The present invention relates to a microelectronic payment-based online service method that enables micropayment on the Internet. The present invention relates to a micropayment based online service method, which registers a user who uses a micropayment based online service, issues an electronic money using a hash function, By providing a low-cost electronic payment-based online service method to perform a low-cost payment according to the payment, electronic money is inexpensively and securely transferred only with a hash function for issuing and using electronic money when providing services in connection with an internet store, When conducting an opinion survey by an advertiser or a survey, you can view the advertisement by issuing e-money that can be used in e-commerce applications to readers or respondents, or by converting it into real-world cash when it reaches a certain amount. To facilitate the questionnaire The number of respondents is increased, and the issued electronic money can lead to the use of electronic commerce service.

Description

Small Electronic Payment Based Online Service Method

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a small electronic payment based online service method that enables small payments on the Internet. In particular, the present invention relates to a small electronic payment based online which issues electronic money using a hash function and performs a low-cost payment according to service use. It relates to a service method.

Recently, a lot of attention has been paid to the field of electronic commerce applications in the field of online services on the Internet. Among these e-commerce applications, transactions such as articles such as newspapers, magazines, articles, articles, real estate information, purchases of information such as database search, billing fees, sales of low-cost software such as games, plug-ins, etc. It is expected that inexpensive Internet stores will emerge one after another. Therefore, there is a need for an online service method by a small electronic payment method suitable for such an internet store.

However, the current online service method for microelectronic payments has not been developed, so the services of the Internet shops are not utilized.

In order to solve the above problems, the present invention is to register a user using a microelectronic payment-based online service, to issue electronic money using a hash function, and to perform a low-cost electronic payment based on the service use Providing a method of online service, when conducting an opinion survey by an advertiser or questionnaire, issuing electronic money for use in an e-commerce application to readers or respondents to the questionnaire, or in real world cash for a certain amount By exchanging money, it aims to promote viewing of advertisements, increase the number of questionnaire respondents, and lead the issued electronic money to the use of electronic commerce services.

In order to achieve the above object, the present invention, encrypting the secret key generated by the buyer who wants to use the Internet commerce with the public key of the payment center to send to the payment center to register the user (R1), the payment center generated by the buyer The first process includes the step of notifying the user registration (R2) that the payment center encrypts the secret information generated by each buyer by using the private key (R2), and problems such as problem numbers such as advertisements, surveys, and quizzes that the buyer responds to. When the electronic money issuance is requested using the number and the corresponding response value (M1), the seller responds to the electronic money issuance request (M2) to the buyer using the transaction identifier and the issued amount, and the buyer receives the transaction identifier. Initializing the payment center (M3) by sending the transaction to the seller, the buyer having the electronic money ScripType and the buyer and the payment center Transmitting the hash value of the connection of the custom secret to the payment center to perform the integrity and message authentication of the electronic money to initiate issuance of electronic money (M4), and the payment center receiving the issued electronic money After checking the validity of the money, the electronic money is issued (M5) by sending a hash value for the concatenation of the updated money newScripType and the secret information Custom secret to the buyer (M5). After notifying the result of the payment to the payment center (M6), after the payment is successfully completed, as a response message to the HTTP request message of the payment server initialization step (M3), the seller sends the HTML document to the buyer. The second process consisting of the buyer and the buyer to the information about the type of service you want to purchase and whether the service stored in the browser Requesting the service to the seller (S1), the seller receiving the notification of the payment information of the service to the buyer (S2), and the buyer receiving the notification of the service pays the seller to pay the service fee. Informing the initialization of the center (S3), the buyer's electronic money, payment information and the hash value for their connection to the payment center to pay the service fee (S4), the payment center receives the validity of the electronic money After checking, reduce the amount of electronic money and reissue it, and send the hash value for the interview of the reissue money newScripType and the custom secret to the buyer to perform payment processing (S5) of the service fee, and transmit the electronic money. The buyer receives the validity of the electronic money and notifies the payment center of the monitoring result (S6), after the payment is successfully completed. As a Response message for the HTTP Request message of non-server initialization step (S3) Seller is characterized in that it comprises a third step of sending a service purchased by the buyer.

1 is a process flow diagram for user registration according to the present invention;

2 is a processing flow diagram for receiving an electronic money according to the present invention;

3 is a process flow diagram for service usage and payment.

<Explanation of symbols for main parts of drawing>

10: Buyer 20: Payment Center

30: Seller

The present invention relates to a micro-payment based online service method, and more particularly, to an online service method that enables micropayments on the Internet. The present invention relates to a user registration protocol comprising a user registration request step and a user registration notification step, and an electronic money issue. An electronic money issuing protocol comprising a request step, an electronic money issuing request response step, a payment center initialization step, an electronic money issuing step, an electronic money issuing step, an electronic money confirmation and result notification step, and a payment center end step, a service request step, A service payment information notification step, a payment center initialization step, a service fee payment step, a service fee payment processing step, a payment processing confirmation result notification step, and a service usage and payment protocol.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a process flow for user registration according to the present invention, wherein user registration occurs once per payment center 20 before using a microelectronic payment based online service, respectively, when an electronic money is issued and when the service is used. In the first step, the purchaser 10 transmits the user information to the payment center 20 using the user information registration request (R1) message to request user registration, and the payment center 20 registers the user. After performing this, the second step of notifying the purchaser 10 of the user registration using the user registration notification (R2) message is included.

First, in the first step, after the purchaser 10 installs the electronic wallet, the purchaser 10 sends a message R1 requesting user information registration to the payment center 20 (101).

Here, the configuration of the R1 message is as follows.

The public key of the payment center 20 is included in the distribution of the electronic wallet, and the private key that only the payment center 20 knows the secret key KS generated by the purchaser 10 for encrypting the message R2 of the user registration permission stage. In order to decrypt only the payment center 20, the value encrypted with the public key (KUcenter) of the payment center 20 is transmitted to the message R1, and the detailed format of the message R1 is shown in the following table (1). .

Message R1 HeaderType UM1: User Registration Request ID User wallet identifier Name Registered username Address address e-mail Email address etc Other information KUcenter [KS] The value of encrypting the secret key (KS) for encrypting message R2 in the user registration permission stage with the public key (KUcenter) of the payment center.

Next, the payment center 20 receiving the user information registration request message of step 101 transmits a user registration notification message R2 to the purchaser 10 (201), and the payment server registers the user. Thereafter, the payment center 20 encrypts the secret information (Custom_Secret) generated for each buyer 10 by using the secret key KS generated by the buyer 10 and transmits it securely. And, the monetary value transmits the electronic money with zero in the message R2. The detailed format of message R2 is shown in the following table (2).

R2 message HeaderType UM2: user registration permission ScripType Electronic money (ScripType) KS [Custom_Secret] Encrypt Custom_Secret

2 is a flowchart illustrating a process for receiving an electronic money according to the present invention. After reading a questionnaire response, quiz solving, or advertisement provided by an internet store, the buyer 10 receives a seller (M1) message by issuing an electronic money (M1) message. 30) the first step of requesting issuance of electronic money, and after the seller 30 receiving the M1 message examines the response of the buyer 10, the transaction ID and issuance amount, which are the basis for issuing electronic money, are provided. A second step of transmitting the electronic money issuance permission information (M2) message to the buyer 10 to respond to the electronic money issuance request, and paying the seller 30 by transmitting the transaction ID as a payment server initialization (M3) message; The third step of initializing the center 20, the hash of the connection of the electronic money ScripType held by the buyer 10 and the secret information Custom_secret shared by the buyer 10 and the payment center 20 A fourth step of issuing and issuing electronic money by performing the integrity and message authentication function of the electronic money by transmitting the M4 message, and checking the hash value of the validity of the electronic money by the payment center 20 that has received the M4 message. And update the currency in the normal case, and transmit the hash value for the concatenation of the updated money newScripType and the secret information Custom_secret to the purchaser 10 as an electronic money transfer (M5) message, thereby ensuring the integrity and message authentication of the electronic money. After performing the fifth step of issuing electronic money, the integrity of the electronic money issued by the payment center, etc., the electronic money held by the purchaser 10 is finished at the payment center 20. M6) by sending a message to the payment center 20 to provide authentication for the electronic money held by the buyer 10 to notify the electronic money confirmation and results A sixth step and a seventh step of transmitting the electronic money payment end to the purchaser 10 by the electronic money payment end M7 to terminate the payment center 20.

First, in the first step, the electronic money issuance request 103 is issued through message M1, and the detailed format of message M1 is shown in Table 3 below.

M1 message HeaderType GM1_1: Electronic money issue request Item Issue numbers, such as ads, surveys, and quizzes Value User Responses to Services

In the second step, when the electronic money issuing request is responded to via the M2 message, the payment center 20 examines the electronic money issuing request message M1 of the purchaser 10 and then M2 with the message header GM2_1 or GM2_2. The message is transmitted to the browser of the buyer 10 through the seller 30, and the message M2 with the message header GM2_1 means permission to issue electronic money, and the electronic money issuance information is the buyer 10 and the payment center 20. Is the data that is the basis for issuing electronic money as the information shared by each other, and message M2 whose message header is GM2_2 transmits that the payment server cannot issue electronic money to the user in the form of an HTML document (104). . The detailed format of the M2 message is shown in Table (4) below.

M2 message HeaderType GM2_1: Electronic money issuance permission information VendorId Information from the Internet store, ServerType TranID Transaction identifier value Issue amount currency Currency type HeaderType GM2_2: Information that cannot be issued for electronic money HTML document Reasons for Issuing Electronic Money

In the third step, the payment center 20 is initialized through the message M3. The buyer 10 receiving the electronic money issuance request response transmits an M3 message to the seller 30 (105), so that the electronic money issuance initialization can be performed. At this time, the detailed format of the M3 message is shown in Table 5 below.

M3 message HeaderType GM3_1: Payment Server Initialization TranID Transaction identifier

In the fourth step, electronic money issuance is initiated through message M4. In order to provide the integrity of electronic money in addition to the electronic money held by the purchaser, the purchaser 10 has a hash value of H [ScripType || The message M4 including Custom_Secret] initiates an electronic money issuance protocol with the payment center 20 directly without passing through the seller 30 (106). The detailed format of the M4 message is shown in Table (6) below.

M4 message HeaderType GM4_1: Start issuing electronic money ScripType Electronic money stored in the user's electronic wallet H [ScripType || Custom_Secret] Hash Value for ScripType and Custom_Secret pCount Recurrence of Electronic Money HeaderType GM4_2: Cancellation of Electronic Money

In the fifth step, electronic money is issued through message M5. The payment center 20 checks the validity of the electronic money sent by the purchaser 10, increases the amount of electronic money by the amount of money included in the electronic money issuance information, reissues the electronic money, and reissues the electronic money. The message header is transmitted to the purchaser 10 through the M5 message with the message header GM5_1 (107), and the message headers GM5_2, GM5_3, and GM5_4 are cases in which electronic money cannot be issued. The detailed format of the M5 message is shown in Table 7 below.

M5 message HeaderType GM5_1: Electronic Money Transfer newScripType Electronic money with a renewed amount H (newScripType || Custom_Secret) hash values for newScripType and Custom_Secret pCount Recurrence of Electronic Money = 0 HeaderType GM5_2: Electronic money validity error HeaderType GM5_3: refuse to issue electronic money HeaderType GM5_4: Payment server error ScripType Electronic money sent by the user H (ScripType || Custom_Secret) Hash Value for ScripType and Custom_Secret pCount pCount = pCount + 1

In this case, the fourth and fifth steps need to be securely and securely transferred to a small electronic payment, due to the nature of small payments, so that a time and costly public key cryptosystem or a shared key cryptosystem is not used. It provides integrity of electronic money and message authentication service only by using hash function.

In the sixth step, the electronic money is confirmed and a result is notified through the M6 message. After validating the electronic money issued by the payment center 20, the M6 message is transmitted to the payment center 20 according to the result (108). In the normal case, message M6 having the header of the message GM6_1 is transmitted to the payment center 20, and GM6_2 is a message header requesting retransmission of the electronic money by the purchaser 10 who detected the electronic money validity error. The detailed format is shown in Table (8) below.

M6 message HeaderType GM6_1: end of electronic money issuance HeaderType GM6_2: Electronic money retransmission request HeaderType GM6_3: Canceling Electronic Money Issuance newScripType Electronic money updated by the payment center H (newScripType || Custom_Secret) hash values for newScripType and Custom_Secret pCount pCount = pCount + 1

In the seventh step, the payment center 20 terminates through message M7 to end electronic money issuance (109). As a response message to the payment center 20 initialization by the M3 message of the third step, it is an HTML document in the Internet store. Currency issue information or service pages may be selectively transmitted.

3 is a process flow for service use and payment, in which a purchaser 10 requests a service provided by an internet store, and a seller 30 sends a service payment requesting payment of a service fee for service use. (S2) a second step of notifying service payment information by sending a message to the buyer 10, and an indicator message for initializing the payment center 20 by identifying a transaction of the buyer 10 receiving the S2 message. A third step of initializing the payment center 20 by transmitting it to the seller 30 and transmitting the electronic money as a payment processing confirmation (S4) message together with the order information based on the service fee information received from the S2 message. A fourth step of paying a fee, and after the payment center 20 having received the S4 message reissues the electronic money, the reissued electronic money is converted into a hash value of the secret information. A fifth step of paying the service fee by transmitting a balance transfer message (S5); and the S5 message based on the money held by the purchaser 10 before transmitting the S5 message and the service fee provided in the S2 message. The sixth step of confirming the currency updated by the user, and notifying whether the newly updated electronic money is accepted by the payment processing end (S6) message to notify the payment processing confirmation result and transmitting the service selected by the buyer 10; It includes a seventh step.

In the first step, a service is requested through a service purchase request (S1) message. Each buyer 10 connected to the Internet store makes a purchase request by transmitting information on a service to be purchased and whether to store a service transmitted to a browser in a message S1 (110). The detailed format of the S1 message is shown in Table 9 below.

S1 message HeaderType PM1_1: Service Purchase Request Request-URL The service you are buying pMethod Select the transfer type of the purchased service (View or Save)

In the second step, the service payment information is notified through the service payment transmission (S2) message (111), wherein the message S2 whose header is PM2_1 is payment information of the service that the user wants to purchase, and the buyer 10 As the payment processing basis data between the payment center and the payment center 20, the message S2 whose header is PM2_2 is a message transmitted to the browser when the purchaser 10 cannot sell the service. The detailed format of the S2 message is shown in Table 10 below.

S2 message HeaderType PM2_1: service payment information VendorId (ServerType) Information of Internet store TranID Transaction identifier requestURL Service you want to purchase price price currency Monetary unit deliveryMethod How to save a purchased service (View or Save) HeaderType PM2_2: Stop selling services HTML document Reasons to focus on selling services

In the third step, in order to pay the service fee, the payment center 20 is initialized through the payment server initialization (S3) message. The purchaser 10 receiving the service payment information by the S2 message transmits the S3 message to the seller 30 to initialize the payment center 20 for payment processing (112), and the detailed format of the S3 message. Is shown in Table (11) below.

S3 message HeaderType PM3_1: Payment Server Initialization TranD Transaction identifier

In the fourth step, if the service fee is paid through the payment processing confirmation (S4) message, the purchaser 10 connects to the payment center 20 based on the S2 message and transmits a fee payment message S4 for service purchase (S4). 113). At this time, the detailed format of the S4 message is shown in Table 12 below.

S4 message HeaderType PM4_1: Confirm payment processing ScripType Electronic money stored in the user's electronic wallet pOder Payment Information in PM2_1 Message H (ScripType || pOder || Custom_Secret) Hash values for Scrip, pOder and Custom_Secret pCount Number of electronic money retransmissions (= 0) HeaderType PM4_2: Cancel payment processing

In the fifth step, the service fee is processed 114 through the electronic money balance transmission (S5) message. After checking the validity of the electronic money paid by the buyer 10, the payment center 20 based on the payment information. By reducing the amount of electronic money presented by the buyer 10 and re-issuing the electronic money corresponding to the balance, the message S5 with the message header PM5_1 is transmitted, and the message S5 with the message header PM5_2 and PM5_3 handles payment processing. If it is not possible to send a message, the detailed format of the S5 message is shown in Table 13 below.

S5 message HeaderType PM5_1: Electronic money balance transfer newScripType Electronic money with a renewed amount H [newScripType || Custom_Secret] Hash value for newScripType and Custom_Secret pCount Electronic money retransmission count (= 0) HeaderType PM5_2: Electronic Money Validation Error HeaderType PM5_3: Payment Server Error ScripType Electronic money paid by the user pOder Payment information in PM2_1 message H [ScripType || pOder || Custom_Secret] Hash values for ScripType, pOder, and Custom_Secret pCount pCount = pCount + 1

In the sixth step, a payment processing confirmation and a result are notified 115 through a payment processing end (S6) message. After receiving the transmission through the payment processing of the payment center 20, the validity of the electronic money corresponding to the balance is examined. If an error is detected, the payment is retried by sending message S6, which is the message header PM6_2, and in the normal case, the payment is terminated by the S6 message of the message header PM6_1. At this time, the detailed format of the S6 message is shown in Table 13 below.

Message S6 HeaderType PM6_1: Payment processing ends HeaderType PM6_2: Electronic money retransmission request HeaderType PM6_3: Payment Processing Failed newScripType Electronic money issued by the payment center in balance H [newScripType || Custom_Secret] Hash value for newScripType and Custom_Secret pCount pCount = pCount + 1

In the seventh step, the service is transmitted to the general HTTP request message through the service transmission (S7) message (116).

In addition, the symbols used in the user registration protocol, electronic money issuance protocol and service usage and payment protocol are defined as follows.

X represents a component of a microelectronic payment based online service, and || represents a concatenation. KUx represents the public key of X, and KS represents the secret session key. KUx [M] indicates that message M is encrypted with X's public key KUx, KS [M] indicates that message M is encrypted with secret session key KS, and H [M] indicates that message M has been applied with hash function H. The structure of the message header (HeaderType) and the electronic money (ScripType) used to represent a hash value and describe a message is defined as shown in Table 14 below.

Message header structure: HeaderType cmdType The types of headers are largely classified into UM (user registration) messages, GM (electronic money issuing) messages, and PM (payment processing) messages. protocolVersion Version Information of Microelectronic Payment Protocol serverDate Protocol execution time errorMessage Common error message Electronic money structure: ScripType Electronic money (ScripType) HashAlgorithm Hash Algorithm Identifier scrip Data structure of ScripBodyType certificate Electronic money certificate ScripBodyType currency Monetary unit value Amount of electronic money VendorId Data structure of ServerType ScripId Monetary Issue Information Identifier as IdType CustomId Publish Custom_Secret as IdType Ad Service identifier field such as advertisement, survey expirationDate Electronic Money Expiration Date ServerType DnsName Payment server's domain IpAddr IP address ServerName Internet shops mutual port Payment server port number IdType secretId Identifier of secret information serialNumber Serial Number

As described above, the microelectronic payment-based online service method according to the present invention transmits electronic money inexpensively and safely with only a hash function for issuing and using electronic money when providing a service in connection with an internet store, and providing an advertiser or questionnaire. In order to facilitate the viewing of advertisements by issuing electronic money that can be used in e-commerce applications or by converting it into real world cash when a certain amount is paid to the reader or answering the questionnaire, The number of questionnaire respondents is increased, and the issued electronic money can be induced to the use of electronic commerce service.

The present invention provides a small electronic payment-based online service method that registers a user who uses a small electronic payment-based online service, issues an electronic money using a hash function, and performs a low-cost payment according to the use of the service. Among the e-commerce applications that use and provide a small amount of electronic money, services such as the purchase of information such as newspapers, magazines, articles, articles, real estate information, billing fees such as database searches, and the sale of low-cost software such as games and plug-ins In order to issue and use electronic money when providing services in connection with the internet store, the electronic money is cheaply and securely transmitted using only a hash function, and when a survey is conducted by an advertiser or a survey, ECommerce to Responders Issuing electronic money that can be used in the application field or converting it into real world cash when it reaches a certain amount can promote viewing of advertisements, increase the number of questionnaire respondents, and guide the issued electronic money to use e-commerce services. It can be effective.

Claims (1)

Registering a secret key generated by the buyer who wants to use internet commerce with the payment center's public key and sending it to the payment center for user registration (R1) .The payment center uses the secret key generated by the buyer to generate the payment center for each buyer. A first step of notifying (R2) a user registration for encrypting and sending a secret information; When the buyer requests an electronic money issuance (M1) using question numbers such as question numbers, such as advertisements, surveys, and quizzes, and the response values, the seller issues the electronic money to the buyer using the transaction identifier and the issued amount. In response to the request (M2), the buyer receives the transaction identifier to send the transaction to the seller to initialize the payment center (M3), the buyer holds the electronic money ScripType and secret information shared between the buyer and the payment center Sending a hash value for the concatenation of the custom secret to the payment center to perform the integrity and message authentication of the electronic money to initiate issuance of the electronic money (M4), and the payment center receiving the issued electronic money has the validity of the electronic money. After checking, we send a hash value for the concatenation of the updated currency newScripType and the custom secret to the buyer to issue the electronic money (M5). Step, the buyer receives the electronic money validation of the electronic money and notify the result to the payment center (M6), the response to the HTTP Request message of the payment server initialization step (M3) after the payment is successfully completed A second step consisting of a payment center termination step in which the seller sends the HTML document to the buyer as a message; And the buyer requesting a service to the seller using information on the type of the service to be purchased and whether the service is stored in the browser (S1), and the seller receiving the notification notifies the buyer of the payment information of the corresponding service (S2). In the step of receiving the notification of the service, the buyer notifies the payment center initialization (S3) to the seller to pay the service fee, the buyer's electronic money, payment information and the hash value for their connection to the payment center Paying the service fee (S4), and the payment center receiving the payment checks the validity of the electronic money, reduces the amount of the electronic money, reissues it, and purchases a hash value for the interview of the reissued currency newScripType and the custom secret of the secret information. Performing the service fee payment processing (S5) by transmitting to the electronic money, the buyer receiving the electronic money After monitoring the validity, the monitoring results are notified to the payment center (S6), and after the payment is successfully completed, the seller sends a service purchased by the buyer as a response message to the HTTP request message of the payment server initialization step (S3). And a third process of performing a small electronic payment based online service method.

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