KR100452088B1 - Method and system for providing secure pament service using a cookie infomation - Google Patents

Abstract

PURPOSE: A method and a system for supplying a safe payment service by using cookie information are provided to supply a safe payment service to a user who accesses a shopping mall without passing through a relay server if certain conditions are satisfied, thereby magnifying user convenience. CONSTITUTION: A relay server(200) is interworked with more than one shopping mall server for supplying a shopping mall, supplies information on the shopping mall to a user, and relays such that the user can access the shopping mall. A shopping mall information DB(201) includes each shopping mall server interworked with the relay server(200) and associated shopping mall information.

Description

Method of providing secure payment service using cookie information and system thereof {METHOD AND SYSTEM FOR PROVIDING SECURE PAMENT SERVICE USING A COOKIE INFOMATION}

The present invention relates to a method and system for providing a secure payment service using a relay server interoperating with one or more shopping mall servers for providing an online shopping mall. More particularly, the present invention relates to a method of providing a secure payment service through a relay server using cookie information stored in a user terminal. The present invention relates to a secure payment service providing method and a system for providing a secure payment service associated with a relay server when a certain condition is satisfied even to a user accessing a shopping mall.

Recently, due to the development of the high speed data communication network, many people use the Internet, and with the increase of the use of the Internet, many Internet users are purchasing products using online electronic commerce. Online e-commerce has received a lot of attention from the Internet users in that users can purchase products without visiting the store, saving time and effort. On the other hand, as more users use online e-commerce, there are various damages, such as loss of money due to the failure of the user who paid for the product, or the seller not receiving the product price even after paying the product in the case of post-payment. It is happening.

As a method for solving the problems of electronic commerce, a secure payment service is used. Hereinafter, an example of a safe payment method according to the prior art will be introduced.

In the secure payment method, after a seller and a buyer agree on a sale transaction such as online, the third party manages the deposit and withdrawal of the transaction price in order to prevent damage to the failure to fulfill one of the promises during the product delivery and settlement process. Use a service method that ensures the safety of all buyers.

That is, the third party holds the purchase price paid by the buyer, and pays the sale price to the seller when the seller delivers the goods and the like to be notified that the delivery is completed. In this case, the third party may pay the selling price to the seller after deducting a predetermined fee. In the case of using such a secure payment method, there is an advantage that the buyer can surely receive the goods and the seller can receive the purchase price.

Such a secure payment method is a method in which a user damages a transaction in a small- and medium-sized shopping mall that is vulnerable to after-sale service such as merchandise trading, rather than a large online shopping mall such as LGeshop or Samsung Mall. It is more essential to buy goods with confidence without worrying about it.

However, it is not easy to build a secure payment service system or to pay a third party a fee for the secure payment service in a small- and medium-sized shopping mall where most of the low recognition rate and the volume of commodity trading are not so active. not.

Therefore, even if there is an item to be purchased in the small and medium shopping mall, the buyer may be hesitant to buy in consideration of damages in the transaction, and thus, the small and medium shopping mall has a problem in that it is not possible to obtain a profit from the transaction of the product.

On the other hand, in view of the difficulty in providing a secure payment service in the small and medium shopping mall itself, the relay server in charge of the relay to the small and medium shopping mall may provide a secure payment service for transactions in the small and medium shopping mall. The relay server introduces a list of products sold at each shopping mall site, provides a search service for products sold at each shopping mall site, or relays access to each shopping mall site.

By the way, when the relay server provides a secure payment service for each shopping mall, an additional member authentication procedure must be performed in the relay server in order to provide a secure payment service for a product transaction in the corresponding shopping mall, or provided by the relay server. In order to receive the secure payment service, a user has difficulty in using the secure payment service because the procedure for receiving the secure payment service is complicated, such as accessing the shopping mall through a relay server.

In addition, in the point of view of the relay server, when a user who accesses the shopping mall through the relay server does not immediately purchase a product, and subsequently directly connects to the shopping mall without purchasing through the relay server, the product is introduced. Even though they had a certain role, there was a problem that they could not obtain a fee income from providing secure payment service.

Therefore, there is a request for a secure payment service method that can solve the above problems.

The present invention has been made to improve the prior art as described above, when a certain condition is satisfied not only for a user accessing a shopping mall through a relay server, but also for a user accessing a shopping mall without the relay server, a secure payment service is provided. An object of the present invention is to provide a method and system for providing a secure payment service that can be provided.

Particularly, the present invention allows cookie information to be recorded in a user terminal of a user who accesses a predetermined shopping mall by accessing a relay server, and even when the shopping mall is accessed through the relay server without using the cookie information. It is an object of the present invention to provide a method and system for providing a secure payment service that can provide a secure payment service associated with the relay server when a condition is satisfied.

In addition, an object of the present invention is to provide a method and system for providing a secure payment service that can generate revenue on the relay server side by providing a secure payment service in a shopping mall linked with the relay server in association with the relay server. .

In addition, the present invention is to ensure that the secure payment service is made in a shopping mall difficult to build an independent secure payment service system or a shopping mall difficult to conclude a secure payment service contract with an independent secure payment service company, thereby protecting users such as buyers and sellers. It is an object of the present invention to provide a method and system for providing a secure payment service that can use e-commerce with confidence.

1 is a view for explaining the schematic operation of the secure payment service providing system according to the present invention.

2 is a block diagram showing a system for providing a secure payment service according to an embodiment of the present invention.

3 to 7 are flowcharts illustrating a method for providing a secure payment service according to an embodiment of the present invention.

4 is a diagram illustrating an example of data included in a shopping mall information database according to an embodiment of the present invention.

5 is a diagram illustrating an example of cookie information transmitted to a user terminal according to an embodiment of the present invention.

6 is a block diagram illustrating a shopping mall server system interworking with a relay server of a secure payment service providing system according to an exemplary embodiment of the present invention.

8 to 10 are views showing an example of a method for providing a secure payment service according to an embodiment.

9 illustrates an example of a web page provided to a user terminal to provide a secure payment service associated with a relay server according to an embodiment of the present invention.

11 is an internal block diagram of a general purpose computer device that may be employed to perform the method of providing a secure payment service according to the present invention.

<Explanation of symbols for the main parts of the drawings>

200: relay server

201: shopping mall information database

202: display control unit

203: selection input receiving unit

204: connection relay unit

205: cookie information management unit

In order to achieve the above object and to solve the problems of the prior art, the present invention, the relay server, the step of maintaining a shopping mall information database each containing shopping mall information associated with the shopping mall server (the shopping mall information is the product information or the product information and Including associated URL information), controlling all or a part of the shopping mall information to be displayed at a user's user terminal, receiving a selection input for any one of the displayed shopping mall information from the user, and selecting the selected shopping mall. Relaying the user to access a first shopping mall server associated with the shopping mall information, generating cookie information associated with the first shopping mall server using URL information included in the information, and generating the generated cookie information. Transmitting to the user terminal. And when the user accesses the first shopping mall server, determining whether the user accesses the first shopping mall server through a relay server, and as a result of the determination, the user visits the first shopping mall through the relay server. Determining whether the cookie information associated with the first shopping mall server exists in the user terminal when not connected to the server, and when the cookie information associated with the first shopping mall server exists, A step of providing a predetermined secure payment service is performed.

According to another aspect of the present invention, a relay server may include a shopping mall information database including shopping mall information associated with a shopping mall server (the shopping mall information includes product information or URL information associated with the product information), and the user terminal. A display control unit for controlling all or a part of shopping mall information to be displayed; a selection input receiver configured to receive a selection input for any one of the displayed shopping mall information from the user; and by using URL information included in the selected shopping mall information, A connection relay unit for relaying a user to a first shopping mall server associated with the shopping mall information, a cookie information management unit for generating cookie information associated with the first shopping mall server and transmitting the generated cookie information to the user terminal; The first shopping mall server, When the user is connected to the first shopping mall server, the connection determination unit for determining whether the user is connected through the relay server, the determination result when the user is not connected to the first shopping mall server through the relay server A cookie information determination unit determining whether the cookie information associated with the first shopping mall server exists in the user terminal, and if the cookie information associated with the first shopping mall server exists, predetermined security for the user when purchasing a product. It includes a secure payment providing intermediary for the payment service is provided.

** Organization of terms used in this specification **

1) relay server

The "relay server" may be linked with one or more shopping mall servers to introduce users to goods or services sold in the online shopping mall provided by the shopping mall server, or provide users with a search service for the goods or services; Or means a server that provides a service such as allowing users to access the shopping mall server.

2) Online shopping mall and shopping mall server

"Online shopping mall" refers to a space in which e-commerce of goods / services is performed between users through a communication network. The online shopping mall is mainly implemented in a predetermined web page provided by a predetermined "shopping mall server". In addition, in this specification, the online shopping mall may be abbreviated as "shopping mall" in some cases.

Since the shopping mall is provided through a web page provided by the shopping mall server, the terms "connect to a shopping mall server" and "connect to a shopping mall" are used herein in the same sense.

3) shopping mall information and product information

"Shopping mall information" is information associated with an online shopping mall, and its type may be variously determined according to an embodiment. For example, the shopping mall information includes "product information", which is information on a product sold in the online shopping mall, URL information of a web page on which the online shopping mall is provided.

The "product information" is information related to the product, such as the name of the product sold in the online shopping mall, specifications, price, sales quantity, delivery date, credit card availability.

4) Access to the shopping mall server through the relay server

As used herein, the term " connected to a shopping mall server through a relay server " means that a user terminal accesses the shopping mall server according to a connection relay of the relay server after accessing the relay server.

Therefore, the case where the user terminal accesses the shopping mall server in the order of "relay server-> other A server-> shopping mall server" does not correspond to the case where the user terminal is connected to the shopping mall server through the relay server.

5) Secure payment service

As used herein, the term "secure payment service" is used as a term that includes any service for protecting a transaction of a seller or buyer who trades goods / services through an online shopping mall.

Hereinafter, a method and a system for providing a secure payment service according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a schematic operation of the secure payment service providing system according to the present invention.

The secure payment service providing system includes a relay server 100 and the relay server 100 is linked with one or more shopping mall servers 110a and 110b. The shopping mall servers 110a and 110b provide shopping malls, respectively. In addition, the secure payment service providing system further includes a secure payment service server 130 that provides a secure payment service associated with the relay server 100, and according to an embodiment, the relay server 100 and the secure payment service server 130. ) May be implemented in the same system.

The relay server 100 maintains a shopping mall information database including shopping mall information for each shopping mall provided by the shopping mall servers 110a and 110b linked to the relay server 100, and stores all or the shopping mall information associated with each shopping mall. A part is provided to the user terminal 125 of the user 120 connected through the communication network. As described above, the shopping mall information includes product information, and according to an exemplary embodiment, only a part of the shopping mall information may be provided to the user terminal 125, such as providing only the product information to the user terminal 125. According to such a configuration, the user 120 accessing the relay server 100 may be conveniently provided with information on products or services sold in a plurality of shopping malls.

The user terminal 125 refers to a device having a computing capability such as a desktop PC, a notebook PC, a PDA, a mobile communication terminal, and the like capable of being connected to a wired / wireless communication network. In addition, the user terminal 125 may be provided with a web browser.

2 is a block diagram showing the internal configuration of the relay server (100, 200) according to an embodiment of the present invention.

The relay server 200 includes a shopping mall information database 201, a display controller 202, a selection input receiver 203, a connection relay 204, and a cookie information manager 205. As described above, the relay server 200 interworks with one or more shopping mall servers providing a shopping mall, and provides a user with information about the shopping mall and relays the user to access the shopping mall. Hereinafter, the function of each component will be described in more detail with reference to FIG. 3.

The shopping mall information database 201 includes shopping mall information associated with each shopping mall server linked to the relay server 200. The shopping mall information database 201 is a kind of database recorded in a predetermined storage device. In the present specification, a database is defined as a set of systematically recorded data so that an association between data can be easily understood. The shopping mall information database 201 is recorded and maintained in the storage device (step 301).

4 is a diagram illustrating an example of data included in the shopping mall information database 201 according to an embodiment of the present invention.

As shown in FIG. 4, the shopping mall information database 201 maintains shopping mall information regarding an online shopping mall provided by each shopping mall server linked to the relay server 200. The shopping mall information database 201 includes a "product identifier" for identifying a product, a "product category" for the category of the product, a "product page" for the URL of a web page selling the product, and a price for the product. "Commodity price", a field for "shopping mall identifier" for identifying the shopping mall, and the like.

The shopping mall information included in the shopping mall information database 201 in step 302 includes product information or URL information associated with the product information, and the display controller 202 may display a web browser in which the shopping mall information is installed in the user terminal 125. Control to display on the screen.

That is, the display controller 202 controls the user terminal 125 to display all or a part of the shopping mall information as described above. For example, the display controller 202 controls only the product information among the shopping mall information. Can be displayed.

The shopping mall information displayed on the user terminal 125 may be provided in association with an event such as "wedding goods competition", or may be provided as a search result according to a keyword search or category search of the user.

For example, when a user inputs a category search request including a search query of "notebook", the relay server 200 searches for product information having a category field of "notebook" in the shopping mall information database 201, and displays the display control unit. 202 controls the retrieved product information to be displayed on the user terminal 125.

In step 303, the user selects one of the shopping mall information displayed on the user terminal 125, and the selection input receiving unit 203 receives the selection input of the user.

In step 304, the connection relay unit 204 allows the user to access a shopping mall server associated with the shopping mall information by using shopping mall information selected by the user. Hereinafter, a shopping mall server associated with shopping mall information selected by the user is referred to as a first shopping mall server. In this case, the access relay unit 204 may allow the user to access a predetermined web page provided by the shopping mall server by using the URL information included in the shopping mall information. For example, the web page may be a merchandise sales web page selling merchandise associated with the selected shopping mall information.

In addition, when a selection of shopping mall information is input from the user in step 303, the cookie information manager 205 generates cookie information associated with the first shopping mall server and transmits the cookie information to the user terminal 125 (step 305,. 306)).

The cookie information includes a first shopping mall server identifier for identifying a first shopping mall server or generation time information on a generation time of the cookie information. The generation time information may be a temporary point within a period in which the relay server 200 generates and transmits the cookie information. The cookie information is then used as a criterion for determining whether the secure payment service server 130 provides the secure payment service to the user.

Hereinafter, the cookie information will be described in more detail with reference to FIG. 5.

5 is a diagram illustrating an example of cookie information transmitted to the user terminal 125 according to one embodiment of the present invention.

In general, a cookie is a file containing information related to the web site when an internet user accesses a predetermined web site and has a small file size. The secure payment service system according to the present invention is a kind of cookie. The cookie information is transmitted to the user terminal to be recorded.

As shown in FIG. 5, the cookie information in the present invention includes cookie name information (Name) for identifying cookie information, generation time information (Data) indicating when cookie information is generated, and relay for identifying a relay server. Server identifier information or first mall server identifier information (Domain Name) for identifying the first mall server, path information (Path) indicating location information where cookie information transmitted to the user terminal 125 is to be stored, and the like. Can be. When the cookie information is generated in steps 305 and 306 and the cookie information is transmitted to the user terminal 125, the user terminal 125 determines a storage location by referring to the path information Path included in the cookie information and stores the storage location. The cookie information is stored in the.

According to another embodiment of the present invention, the user terminal 125 is deleted from the user terminal 125 when a predetermined time elapses from the generation time with reference to the generation time information included in the cookie information. For example, when the cookie information 7 days elapsed from the creation time is deleted from the user terminal 125, the generation time that can be known from the generation time information is “May 23, 2004 20:30:15”. The cookie information is automatically deleted from the user terminal 125 at "20:30:15 seconds on May 30, 2004," seven days later. The selected period may be changed.

6 is a block diagram illustrating a shopping mall server interworking with a relay server of a secure payment service providing system according to an exemplary embodiment of the present invention. Hereinafter, a case where the shopping mall server is the first shopping mall server will be described as an example. That is, the user has connected to the first shopping mall server through the relay server 200.

The first shopping mall server 610 includes a connection determining unit 611, a cookie information determining unit 612, and a secure payment service providing intermediary 613. Hereinafter, the function of each component will be described with reference to FIG. 6.

When the user accesses the first shopping mall server 610 in step 701, the connection determining unit 611 determines whether the user accesses through the relay server 200 in step 702.

For example, the connection determining unit 611 uses the URL information of the immediately accessed web page sent by the user agent of the web browser of the user terminal 125 according to the HTTP protocol, and the user determines the relay server ( It is possible to determine whether or not the connection through the 200.

As a result of the determination, when the user accesses the first shopping mall server 610 through the relay server 200, the secure payment service providing intermediation unit 613 exchanges a product at the first shopping mall server 610. Control the security payment service is provided to the user. The secure payment service may be provided by the secure payment service server 130. That is, according to the present embodiment, even when the secure payment service system is not built in the first shopping mall server 610, the user connected through the relay server 200 may be a secure payment service server associated with the relay server 200. The secure payment service may be provided from the 130.

In some embodiments, the relay servers 100 and 200 and the secure payment service server 130 may be operated by the same service principal. In addition, the service principal of the relay server 200 and the service principal of the secure payment service server 130 may have a predetermined contract relationship. In the following, the latter case will be described by way of example. In addition, a method of providing a secure payment service in the secure payment service server 130 will be described later with reference to FIGS. 8 to 10.

In addition, even when the user has not connected through the relay server 200 as a result of the determination by the connection determination unit 611, the secure payment service providing intermediary 613 may provide the secure payment service to the user. . Hereinafter, a process of providing a secure payment service to a user who satisfies a predetermined condition even when the user is not connected through the relay server 200 will be described in detail.

According to an embodiment of the present invention, the cookie information determination unit 612 searches whether the cookie information generated by the relay server 100 exists in the user terminal 125. Whether the cookie information is generated by the relay server 100 can be identified by determining whether the relay server identifier is included in the cookie information.

When the cookie information generated by the relay server 100 is retrieved, the cookie information determination unit 612 determines whether the retrieved cookie information is cookie information associated with the first shopping mall server 610 to which the user is connected. The cookie information determiner 612 may search for cookie information associated with the first shopping mall server 610 using the shopping mall server identifier included in the retrieved cookie information.

As described above, since the cookie information that has elapsed a predetermined time from the time of creation is deleted, the cookie information existing in the user terminal 125 may be determined as valid cookie information. In step 704, if the cookie information associated with the first shopping mall server is present by the cookie information determining unit 612, a safe payment service associated with the relay server 200 may be provided when the user trades a product. To help. If the first shopping mall server and the associated cookie information do not exist in the terminal 125 of the user, there is no history of accessing the first shopping mall server through the user relay server, or the first shopping mall is accessed through the relay server. The cookie information may be deleted after a predetermined period, for example, 7 days.

According to another embodiment of the present invention, the cookie information stored in the user terminal 125 is not deleted even after a predetermined time elapses from the time of creation, and is maintained in the user terminal 125. In this case, when the cookie information associated with the first shopping mall exists in the user terminal 125, the cookie information determining unit 612 selects the cookie information from the time of creation by using the generation time information included in the cookie information. It is determined whether the period has elapsed, and when it is determined that the period has not elapsed, the secure payment service providing intermediation unit 613 enables the secure payment service to be provided to the user. That is, the cookie information is treated as valid cookie information only within a predetermined period from the time of creation.

As such, the cookie information may not be deleted even after the predetermined period has elapsed. However, the cookie information may be automatically generated after the predetermined period has elapsed to prevent the useless files from accumulating on the user terminal 125. It would be desirable to allow deletion.

FIG. 9 illustrates an example of a web page provided to a user terminal 125 to provide a secure payment service associated with the relay server 200 according to an embodiment of the present invention. The web page is provided by the first shopping mall server 610 and may be a product selling page for selling the product.

As illustrated in FIG. 9, the first shopping mall server 610 is connected to the relay server 200 when the user is connected through the relay server 200 or the user is connected through the relay server 200. Thereafter, when reconnecting within a predetermined period of time, for example, 7 days, a user interface for providing a secure payment service to the user may be provided, and the user interface may be secured as indicated by reference numeral 910 of FIG. 9. It may be a click means associated with a payment service. The click means 910 may be provided in the form of a button, and the secure payment service providing intermediary 613 receives the purchase request from the user by using the click means 910 and transmits the user to a predetermined secure payment service server ( 130). As described above, the relay server 200 and the secure payment service server 130 may be implemented in the same system. The user who accesses the secure payment service server 130 receives the secure payment service according to the operation of the secure payment service server 130. That is, the secure payment service according to the present embodiment is provided to the secure payment service server 130, and the secure payment service providing intermediary 613 of the first shopping mall server 610 is provided by the user to the secure payment service server 130. Intermediate to access secure payment service by accessing.

In addition, the secure payment service providing intermediary 613 is associated with the first shopping mall server 610 when the user accesses the first shopping mall server 610 without passing through the relay server 200. If valid cookie information does not exist, a click means (not shown) is provided for the payment of the currency instead of the click means 910 associated with the secure payment. Therefore, the user cannot be provided with the secure payment service. An operation of the secure payment service server 130 will be described with reference to FIG. 8 or 10.

8 is a diagram illustrating an example of a method of providing a secure payment service according to an embodiment of the present invention.

The secure payment service providing broker 613 provides a user interface for providing the secure payment service to the user (step 801). The user interface may include predetermined click means 910 associated with a secure payment. When the first shopping mall server 610 receives a purchase request for a predetermined product from the user through the user interface 901 (step 802), the user may designate the predetermined payment service server 130. Relay to connect to (step 803).

According to an embodiment of the present invention, when the user pays the purchase price for the product, the secure payment service server 130 maintains the purchase price in a predetermined account (step 804) and from the user. When receipt of a normal product is confirmed (step 805), all or part of the purchase price is paid to the seller of the product (step 806). Therefore, it is possible to prevent the user who paid the purchase price from receiving a product or receiving a product that is different from the product at the time of transaction or is deteriorated in quality. Payment of the genital purchases to the seller is suspended until the user receives the normal goods. A part of the purchase price, for example, 3% of the purchase price may be used as a service fee of the secure payment service server 130 or the relay server 200.

As described above, the secure payment service server 130 may be the same system as the relay server 200 or a second server providing only the secure payment service.

For example, when the secure payment server 130 is implemented in the same system as the relay server 200, when the user requests the secure payment through the user interface 910 provided by the first shopping mall server 610, The first shopping mall server 610 relays the user to the secure payment server, that is, the relay server 200, and the secure payment service as described above in the relay server 200 will be provided.

In the meantime, various methods may be adopted for the secure payment service, and for example, an escrow method as described above may be adopted. In other words, if the user does not receive the goods purchased by the user within a predetermined period, or if the user does not receive the normal goods, the user can be returned to the user without paying the purchase price paid by the user to the seller. And e-commerce on the Internet.

In addition, according to another embodiment of the present invention, a security payment service method of guarantee insurance method may be adopted to provide a safety tax service. As shown in FIG. 10, if it is determined that the cookie information associated with the first shopping mall server 610 exists in the user terminal 125, a user interface for providing a secure payment service to the user is provided (step 1001). )). If the user has paid for the purchase price of the product through the user interface (step 1002), but is notified that the user did not receive the normal product (step 1003), the secure payment service server 130 Causes the user to perform some reward (step 1004).

The compensation may be a guarantee insurance method that compensates for the damages caused by the creditor due to the default on the commodity transaction. In the guarantee insurance scheme, the insurance process is performed by a reliable insurance company, so that a user (a product seller or a product buyer) can trade a product with confidence.

Embodiments of the invention include a computer readable medium containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. The media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical recording media such as CD-ROMs, DVDs, magnetic-optical media such as floppy disks, and ROM, RAM, flash memory, and the like. Hardware devices specifically configured to store and execute the same program instructions are included. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, and the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

11 is an internal block diagram of a general purpose computer device that may be employed to perform the method of providing a secure payment service according to the present invention.

The computer device 1100 includes one or more processors 1110 connected to a main memory including a random access memory (RAM) 1120 and a read only memory (ROM) 1130. The processor 1110 may also be called a central processing unit (CPU). As is well known in the art, the ROM 1130 serves to transfer data and instructions to the CPU unidirectionally, and the RAM 1120 typically transmits data and instructions bidirectionally. Used to. RAM 1120 and ROM 1130 may include any suitable form of computer readable media. Mass storage 1140 is bi-directionally coupled to processor 1110 to provide additional data storage capability, and may be any of the computer readable recording media described above. The mass storage device 1140 is used to store programs, data, and the like, and is a secondary memory device such as a hard disk which is generally slower than the main memory device. Certain mass storage devices, such as CD ROM 1160, may also be used. The processor 1110 may include one or more input / output interfaces, such as video monitors, trackballs, mice, keyboards, microphones, touchscreen displays, card readers, magnetic or paper tape readers, voice or handwriting readers, joysticks, or other known computer input / output devices. 1150 is connected. Finally, the processor 1110 may be connected to a wired or wireless communication network through the network interface 1170. Through this network connection, the procedure of the method described above can be performed. The apparatus and tools described above are well known to those skilled in the computer hardware and software arts.

The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the claims below, but also by the equivalents of the claims.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

According to the present invention, it is conceived to improve the prior art as described above, when a certain condition is satisfied not only for a user accessing a shopping mall through a relay server but also for a user accessing a shopping mall without passing through the relay server. Provided are a method and a system for providing a secure payment service that can provide a service.

In addition, according to the method and system for providing a secure payment service according to the present invention, by charging a predetermined fee to the shopping mall server for providing an advertisement and a secure payment service of a shopping mall server interworking with a relay server, the profit of the relay server side may be increased. Can be.

In addition, according to the method and system for secure payment service according to the present invention, it is possible to provide a secure payment service without a large burden even in a small shopping mall by interworking with a relay server.

In addition, according to the method and system for providing a secure payment service according to the present invention, it is possible to maximize the user's convenience by allowing the user to receive a secure payment service without using a relay server using cookie information.

In addition, according to the method and system for providing a secure payment service according to the present invention, it is possible to protect the user from damage on the electronic commerce so that the user can use the electronic commerce with confidence.

Claims (9)

In the method of providing a secure payment service using a relay server interworking with one or more shopping mall servers providing an online shopping mall, At the relay server, Maintaining a shopping mall information database each including shopping mall information associated with a shopping mall server, wherein the shopping mall information includes product information or URL information associated with the product information; Controlling all or a part of the shopping mall information to be displayed on a user terminal of a user; Receiving a selection input for any one of the displayed shopping mall information from the user; Relaying, by using the URL information included in the selected shopping mall information, the user to access a first shopping mall server associated with the shopping mall information; Generating cookie information associated with the first shopping mall server; And Transmitting the generated cookie information to the user terminal to be stored. Including, In the first shopping mall server, When the user accesses the first shopping mall server, determining whether the user accesses through the relay server; Determining whether the cookie information associated with the first shopping mall server exists in the user terminal when the user does not access the first shopping mall server through the relay server; And If there is cookie information associated with the first shopping mall server, providing a safe payment service to the user when a product is purchased; Safe payment service providing method, characterized in that is performed. The method of claim 1, As a result of the determination, when the user accesses the first shopping mall server through the relay server, when the product is purchased, a predetermined safe payment service is provided to the user. Safe payment service providing method characterized in that it further comprises. The method of claim 1, The cookie information includes a first shopping mall identifier for identifying the first shopping mall server, When the user determines that the user does not access the first shopping mall server through the relay server, the step of determining whether cookie information associated with the first shopping mall server exists in the user terminal. Retrieving cookie information included in the user terminal; And Determining whether the retrieved cookie information includes a first shopping mall identifier associated with the first shopping mall server Safe payment service providing method comprising a. The method of claim 1, The cookie information includes generation time information for the generation time of the cookie information, In the user terminal, Determining whether a predetermined period has elapsed from the time of generating the cookie information by using generation time information included in the cookie information; And Deleting the cookie information if the period has elapsed as a result of the determination; Safe payment service providing method, characterized in that is performed. The method of claim 1, The cookie information includes generation time information for the generation time of the cookie information, If there is cookie information associated with the first shopping mall, the step of providing a predetermined secure payment service to the user, Determining whether a predetermined period has elapsed from the time of generating the cookie information by using generation time information included in the cookie information; And Providing the secure payment service to the user if the period has not elapsed as a result of the determination; Safe payment service providing method comprising a. The method according to claim 1 or 2, The step of providing the predetermined secure payment service to the user, Providing a user interface for providing a secure payment service to the user; And If the user inputs a purchase request for a predetermined product through the user interface, relaying the user to access a predetermined payment service server; Including, In the secure payment service server, Maintaining the purchase price in a predetermined account when the user pays the price for the product; And Paying all or part of the purchase price to the seller of the product when the receipt of the product is confirmed from the user; Safe payment service providing method, characterized in that is performed. The method according to claim 1 or 2, The step of providing the predetermined secure payment service to the user, Providing a user interface for providing a secure payment service to the user; And Causing a predetermined reward to be performed to the user who has paid the purchase price for a predetermined product through the user interface but has not received the product Safe payment service method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the secure payment service providing system using a relay server interworking with at least one shopping mall server for providing an online shopping mall, The relay server, A shopping mall information database each including shopping mall information associated with a shopping mall server, wherein the shopping mall information includes product information or URL information associated with the product information; A display controller configured to control all or a part of the shopping mall information to be displayed on a user terminal; A selection input receiving unit which receives a selection input for any one of the displayed shopping mall information from the user; An access relay unit configured to relay the user to access the first shopping mall server associated with the shopping mall information by using the URL information included in the selected shopping mall information; Cookie information management unit for generating the cookie information associated with the first shopping mall server, and transmits the generated cookie information to the user terminal Including, The first shopping mall server, A connection determination unit determining whether the user has accessed through the relay server when the user accesses the first shopping mall server; A cookie information determination unit that determines whether cookie information associated with the first shopping mall server exists in the user terminal when the user does not access the first shopping mall server through the relay server; And When the cookie information associated with the first shopping mall server is present, the secure payment service providing intermediary unit to provide a predetermined secure payment service to the user when purchasing the product Safe payment service providing system, characterized in that is performed.