KR101763293B1 - Simple Payment System based on Preliminary Registeration of Payment Information and Method thereof - Google Patents

Simple Payment System based on Preliminary Registeration of Payment Information and Method thereof Download PDF

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KR101763293B1
KR101763293B1 KR1020150086718A KR20150086718A KR101763293B1 KR 101763293 B1 KR101763293 B1 KR 101763293B1 KR 1020150086718 A KR1020150086718 A KR 1020150086718A KR 20150086718 A KR20150086718 A KR 20150086718A KR 101763293 B1 KR101763293 B1 KR 101763293B1
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information
authorized certificate
server
password
certificate
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KR1020150086718A
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Korean (ko)
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KR20160150163A (en
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김태호
김건표
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유비트론주식회사
김건표
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The billing information pre-registration-based simple settlement system according to the present invention issues a public certificate to issue a public certificate based on personal information such as a member number such as a resident number, a name, and a telephone number, and personal information such as a public certificate password, The member is registered as a member based on the member's member information, ID and password of the member, pre-registers the member's authorized certificate, financial transaction information and official certificate password, confirms the membership through ID and password, Receives the password for the authorized certificate from the member terminal to judge whether or not the authorized certificate is authenticated, generates the financial settlement information based on the pre-registered financial transaction information such as the bank account number in case of a legitimate user, A management company that sends payment information to a financial institution server The server receives the member information, the ID and the password of the member, and transmits it to the financial institution server to generate and register financial transaction information such as login service, account number and name, and transmits member information, ID, password, When a user purchases a product by accessing a web site server, the user is requested to pay a settlement request to the management company server by receiving the goods settlement request information, and when the member requests payment, the authentication password of the member's authorized certificate is inputted And transmitting the authentication result information and the financial settlement information to a financial institution server; a registration unit for registering and storing goods based on an ID and a password of the member; A web site server for receiving the ID and password from the member terminal, A financial institution server for generating, storing and managing the electronic transaction information, receiving the authorized certificate authentication result information and the financial settlement information from the management company server, and transferring the transferred electronic money to the designated account, And an Internet network or a wireless communication network for connecting the institution server and the public certificate issuing server.

Description

Technical Field [0001] The present invention relates to a simple payment system based on a pre-registration information and a simple payment method using the same,

The present invention separately establishes a management company that stores and manages individual certificates issued to solve security problems and management problems such as hacking of authorized certificates against a public certificate that is currently possessed by a plurality of persons, Pre-registration and management of certificate and billing information and financial settlement at the same time with official authentication at the time of settlement, thereby preventing intrusion of malicious programs that can be infiltrated while hacking an individual's authorized certificate or using an authorized certificate, Lt; / RTI > At present, each individual is issued to a Personalization Agent by a Personalization Agent and the personal is stored in his / her terminal or USB and managed, and the payment process is performed after the authorized authentication process.

A conventional technique related to the present invention is disclosed in Korean Patent Registration No. 10-1083210 (published on November 11, 2011). 1 is a control flowchart of a public certificate operation method for providing the illegal use prevention function of the related art. In FIG. 1, (a) is a view up to 1321, and (b) is a view from 1322. 1, a conventional certificate operation method for providing an illegal use prevention function includes a base wired communication network, a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or an IEEE 802.16x (Step 1300) of accessing the server through the Internet (e.g., portable Internet based on the Internet) and requesting a financial transaction for providing the financial transaction service. In response to the request, the server obtains customer account information and transaction amount information (Or extracting) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one transaction authentication information, and transmitting the web page to the terminal through the communication channel and outputting ), And then the terminal transmits the customer account information, transaction amount information, and transaction authentication information through the user interface A step 1310 of inputting (or selecting) financial transaction request information including at least one financial transaction request information including at least one financial transaction request information including transaction account information, transaction amount information and transaction authentication information through the user interface, A step 1315 of inputting (or selecting) the customer account information, the transaction amount information, and the transaction authentication information to the server through the communication channel; Wherein the server receives financial transaction request information including at least one of the customer account information, the transaction amount information, and the transaction authentication information through the communication channel, and the transaction authentication means for the received financial transaction request information includes an authorized certificate A step 1321 of checking whether the transaction authentication means for the received financial transaction request information is a public certificate, (Step 1322), the server verifies the validity of the authorized certificate through the certificate server 705, and if it is determined that the authorized certificate is not valid (step 1324) Generating (or extracting) validation confirmation error information for a public certificate used as the transaction authentication means for the financial transaction and transmitting the generated validation error information to the terminal through the communication channel and outputting the generated information to the terminal (1325) The server verifies the validity of the financial transaction request information 1326 and if the validity of the financial transaction request information is not authenticated 1330, (1335) a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information, Transmitting a financial transaction result information to the terminal, and including a (1355), In response, the mobile station is 1360 to output a screen including the result of financial transaction financial transaction history. On the other hand, if the validity of the financial transaction request information is authenticated (1330), the server associates the customer account information included in the financial transaction request information with the financial system 1240 having the account ledger corresponding to the customer account Processing the financial transaction for providing the financial transaction service based on the transaction amount information and the transaction authentication information 1340. If the financial transaction corresponding to the financial transaction request information is processed 1345, (1350) a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the processing result, and generates financial transaction result information including the financial transaction processing details through the communication channel (1355), and in response, the terminal displays the financial transaction result including the financial transaction processing history on the screen It is made to step 1360 to.

The above-described conventional authentication method for authorized transactions for financial transactions has a problem that an individual always stores and manages authorized certificates, and there is always a risk of being exposed to hacking. In addition, the above-described conventional technology has a problem that malicious programs infiltrate into management due to the fact that an authorized certificate is managed by an individual, thereby causing an error or disabling of the authorized certificate. After the authorized certificate authentication process, the validity of the financial transaction request information is confirmed Which is inconvenient to use. According to an aspect of the present invention, there is provided a billing information pre-registration-based simple settlement system and a simple settlement method using the same, wherein a separate specialized company for storing and managing individual accredited certificates and settlement information is established and operated, And to prevent infiltration of malicious programs. Another object of the present invention is to facilitate the security by entrusting the authorized certificate management to the professional management company, and to provide convenience and safety for the use to the individual. Another object of the present invention is to reduce the loss due to the revocation of the public certificate by allowing the public certificate to be selectively and reasonably used by abolishing the use of the public certificate. Another object of the present invention is to make the authentication process and the settlement process at the same time convenient in the system.

According to the payment information pre-registration-based simple payment system of the present invention having the above-described object, a simple payment system based on membership information such as a resident number, a name, and a telephone number, and personal information such as a public certificate password, Registration certificate, a member certificate, a financial transaction information, and an official certificate password are registered in advance, and the member is confirmed as a member through an ID and a password. And receives the password of the authorized certificate from the member terminal according to the request of the member to judge whether or not the authorized certificate is authenticated and generates the financial settlement information based on the pre-registered financial transaction information such as the bank account number in case of a legitimate user And the authentication result information and the financial settlement information to the financial institution ID, password and financial transaction information such as login service, account number, and name are generated and registered by transmitting the member information, the ID, and the password of the member to the financial institution server, When financial transaction information of an institution is registered in advance in a management company server and a product is purchased by accessing a web site server, payment information is received and payment is requested to the management company server. When a member requests payment, A member terminal for receiving the authentication password, transmitting the authentication password to the management server and authenticating to generate financial settlement information, and transmitting authentication result information and financial settlement information to a financial institution server; A web site server that manages and provides merchandise transaction information, and an ID and password A financial institution server for receiving and registering, generating and managing financial transaction information of a member, receiving authorization certificate authentication result information and financial settlement information from a management company server, and transferring the transfer to a designated account, , A web site server, a financial institution server, and a public certificate issuing server. In addition, the simple payment method based on the payment information pre-registration is a step in which a member accesses a financial institution server through a member terminal, receives a registration as a member based on member information, an ID and a password, generates and registers financial transaction information, And registering financial transaction information on the basis of the member information, the ID, and the password, accessing the server of the management company through the member terminal, accessing the authorized certificate issuing server through the member terminal, A step in which the authorized certificate issuing server transmits the authorized certificate to the managing company server so as to pre-register the authorized certificate, and the individual authorized certificate and financial transaction information received by the managing company server are DB A step of registering, by the member, Accessing a server, inputting an ID and a password to confirm membership, requesting a financial settlement for purchasing a commodity, and inputting an authorized certificate number; and transmitting, by the website server, the financial settlement request information and the certificate password The management server server authenticates the authorized certificate on the basis of the financial settlement request information and the authorized certificate password of the member, and if the authenticated user is a legitimate user, The method comprising the steps of: generating financial settlement request information; transmitting the authorized certificate authentication result information and the financial settlement request information to the financial institution server; And transmits the financial settlement result information to the member terminal and the website server Is comprising the step of transmitting.

The billing information pre-registration-based simple settlement system and the simple settlement method using the same according to the present invention configured as described above can prevent the authorized certificate from being used in the past due to the abolition of the forced use of the authorized certificate, There is an effect that can be done. Further, another effect of the present invention is that a specialized company for managing the public certificate is separately configured, thereby enhancing the security and advantageously preventing hacking or installation of malicious programs from being managed by the individual. It is effective to reduce the burden of the individual certificate management by allowing one professional management company to manage the authorized certificate managed by the individual. In addition, the existing authorized certificate is entrusted to the management company server only for the desired member, It is possible to use an authorized certificate. Further, another effect of the present invention is that a member can easily use the financial settlement information by pre-registering financial settlement information of an individual in an authorized certificate management company,

FIG. 1 is a control flowchart for a public certificate operation method that provides a conventional illegal use prevention function.
FIG. 2 is an overall configuration diagram of a simple settlement system based on the settlement information pre-registration of the present invention,
3 is a detailed configuration diagram of a management company server applied to the present invention,
FIG. 4 is a control flow chart of the first embodiment of the simple payment method based on the pre-
5 is a control flowchart of a second embodiment of the simple payment method based on the payment information pre-registration of the present invention.

The simple settlement system based on the pre-registration of the present invention having the above-described object and the simple settlement method using the same will be described with reference to FIG. 2 to FIG.

FIG. 2 is an overall configuration diagram of a simple settlement system based on the settlement information pre-registration of the present invention. 2, the simple settlement system based on the payment information pre-registration of the present invention issues a public certificate on the basis of personal information such as membership information such as a resident number, a name, and a telephone number, and personal information such as a public certificate password, And a member registration server 10 for registering the membership certificate based on the membership information, ID, and password of the member, and registering and storing the member's authorized certificate, financial transaction information, and authorized certificate password in advance, And receives the password of the authorized certificate from the member terminal according to the request of the member to judge whether or not the authorized certificate is authenticated. If the user is a legitimate user, the information of the financial settlement request information And transmits authentication result information and financial settlement request information to a financial institution ID, and password to the financial institution server to generate and register financial transaction information such as a login service, an account number, and a name, and transmits the member information, the ID, and the password to the financial institution server 20, Password and financial transaction information of a financial institution are registered in advance in a management company server, and when a product is purchased by accessing a web site server, payment information is received and payment is requested to the management company server, A member terminal 30 for receiving the authentication password of the authorized certificate and transmitting the authentication password to the management server to generate the financial settlement request information and transmitting the authentication result information and the financial settlement request information to the financial institution server; A web site server 40 for registering, storing, managing and providing merchandise transaction information based on a password, A financial institution server 50 for receiving and registering a password, generating and managing financial transaction information of a member, receiving authorization certificate authentication result information and financial settlement request information from a management company server, and transferring the transfer to a designated account, And an Internet network or a wireless communication network 60 connecting the member terminal 30, the management company server 20, the web site server 40, the financial institution server 50 and the authorized certificate issuing server 10 .

3 is a detailed configuration diagram of a management company server applied to the present invention. 3, the management company server 20 according to the present invention includes a member information DB 22 storing individual member information such as a member's name, a resident number, a telephone number, an address, an ID and a password, A certificate DB 24 storing an individual authorized certificate and an authorized certificate password issued by the authorized certificate issuance server on the basis of the information, a financial transaction information pre-registered and stored in the individual financial transaction information generated by the financial institution server DB 25, a transmission / reception module 26 for communicating with a member terminal, a financial institution server, a web site server, and an authorized certificate issuing organization server, an encryption / decryption module 28 for encrypting or decrypting data transmitted / And member information and financial transaction information of the member, and stores the information in the member information DB and the financial transaction information DB, and transmits / Decrypts the data by the encryption / decryption module, and controls to receive and store the authorized certificate and the authorized certificate password from the member terminal or the authorized certificate issuing server, and stores the member's ID, password, and authorized certificate password Determines whether it is a member and matches the certificate information stored in the certificate DB, generates financial settlement request information through the financial transaction information DB 25, and transmits the certified certificate authentication result information and the financial settlement request information to the financial institution server And a control unit (21) for controlling the transmission.

4 is a control flow chart of the first embodiment of the simple settlement method based on the settlement information pre-registration of the present invention. 4, the simple settlement method based on the settlement information pre-registration of the present invention is a simple settlement method in which a member accesses a financial institution server through a member terminal and registers as a member based on member information, an ID and a password, (S12) of registering the financial transaction information by registering as a member on the basis of the member information, the ID and the password (S12) of accessing the management company server through the member terminal (S13) of accessing the authorized certificate issuance server by inputting the member information and the certificate password, issuing the authorized certificate, and transmitting the authorized certificate and the certificate password to the management company server by the authorized certificate issuance server, The individual authorized certificate, authorized certificate password, financial transaction information, and member information received by the management company server are stored in the DB (S14), a member accesses a website server through a member terminal, inputs an ID and a password to confirm membership, requests a financial settlement for purchasing a product, and inputs a certificate reference number (S15 (S16) of encrypting the financial settlement request information and the certificate password of the member and transmitting the information to the management company server (S16), the financial settlement request information of the member received by the management company server and the authentication certificate password (S17) of generating financial settlement information based on the pre-registered financial transaction information when the authenticated user is a valid user based on the authentication result information and the financial settlement information (S18) of transferring the financial settlement information to the financial institution server (S19) of performing financial settlement and transmitting the financial settlement result information to the member terminal and the web site server. In addition, if the authentication fails in step S17, the process ends immediately .

5 is a control flowchart of a second embodiment of the simple payment method based on the payment information pre-registration of the present invention. 5, the simple settlement method based on the pre-registration of payment information according to the present invention is a simple payment method in which a member accesses a financial institution server through a member terminal and registers as a member based on member information, an ID and a password, (S22) of registering the financial transaction information by registering as a member on the basis of the member information, the ID and the password (S22) of connecting to the management company server through the member terminal Accessing the authorized certificate issuance server through the server, inputting the member information and the certificate password, issuing and storing the authorized certificate in the storage device, and registering the authorized certificate and the certificate password in the management company server using the storage device S23), and the management company server transmits the individual authorized certificate, authorized certificate password, financial transaction information, member information A step S24 of storing and managing a DB, a step of connecting to a website server through a member terminal, inputting an ID and a password to confirm membership, requesting a financial settlement for purchasing a product, and inputting a certificate number (S26) of encrypting the financial settlement request information and the certificate password of the member by the website server and transmitting the information to the management company server (S26) (S27) of generating financial settlement information based on the pre-registered financial transaction information when the authenticated user authenticates the authorized certificate based on the password, and if the authenticated user is a legitimate user, A step (S28) of transmitting the payment information to the financial institution server, a step (S28) of transferring the settlement information to the financial institution server (S29) of performing financial settlement and transmitting financial settlement result information to the member terminal and the web site server. In addition, if the authorized certificate authentication fails in step S27, .

10: Authorized certificate issuing server, 20: Management company server,
22: member information DB, 24: certificate DB,
26: transmission / reception module, 28: encryption / decryption module,
30: member terminal, 40: website server,
50: Web site server, 60: Internet network or wireless communication network

Claims (6)

A simple payment system based on a pre-registered payment information pre-registration for pre-registering an authorized certificate and payment information in a separate authorized certificate management company server,
A simple payment system based on a pre-registered payment information pre-registration for pre-registering the authorized certificate and payment information in a separate authorized certificate management company server,
A public certificate issuance server 10 for issuing a public certificate on the basis of personal information such as membership information such as a resident registration number, a name and a telephone number, and personal information such as a public certificate password, and registering the public certificate in advance in the public certificate management company server;
The member is registered as a member based on the member information, ID, and password of the member, pre-registered and stored the member's authorized certificate, financial transaction information and official certificate password, confirms the membership through ID and password, Receives the password for the authorized certificate and judges whether or not the authorized certificate is authenticated, generates the financial settlement request information based on the pre-registered financial transaction information such as the bank account number if it is a legitimate user, An authorized certificate management company server 20 for transmitting information to a financial institution server;
ID, and password to the financial institution server to generate and register financial transaction information such as login service, account number, and name, and transmits member information, ID, password, and financial transaction information of the financial institution to an authorized certificate management When the user purchases a product by accessing a web site server, the user receives payment information of the product and requests settlement of payment to the server of the authorized certificate management company. When the member requests payment, the user inputs the authentication password of the member's authorized certificate And transmitting the authentication result information and the financial settlement request information to the financial institution server (30);
A web site server 40 for registering, storing, managing, and providing merchandise transaction information based on a member ID and a password;
Receiving and registering the ID and password from the member terminal, generating and managing the financial transaction information of the member, receiving the authorized certificate authentication result information and financial settlement request information from the authorized certificate management company server, and transferring the transferred money to the designated account An institution server 50;
And an Internet network or a wireless communication network 60 connecting the member terminal 30, the authorized certificate management company server 20, the web site server 40, the financial institution server 50 and the authorized certificate issuance server 10 And a billing information pre-registration-based simple payment system for pre-registering an authorized certificate and billing information in a separate authorized certificate management company.
The method according to claim 1,
The authorized certificate management company server (20)
A member information DB 22 storing individual member information such as a member's name, a resident number, a telephone number, an address, an ID and a password;
A certificate DB (24) storing an individual authorized certificate and an authorized certificate password issued by the authorized certificate issuing server based on the member information;
A financial transaction information DB 25 for registering and storing individual financial transaction information generated by a financial institution server;
A transmission / reception module (26) for communicating with a member terminal, a financial institution server, a web site server, and an authorized certificate issuing organization server;
An encryption / decryption module 28 for encrypting or decrypting data transmitted and received through the transmission / reception module;
And the membership information and the financial transaction information of the member are inputted and stored in the member information DB and the financial transaction information DB, and the data to be transmitted and received through the transmission / reception module is encrypted or decrypted by the encryption / decryption module, And receives a member ID, a password, and an authorized certificate password from the member terminal to confirm that the member is a member, and judges whether or not the certificate information matches with the certificate information stored in the certificate DB, And a control unit (21) for generating financial settlement request information through the DB (25) and controlling the transmission of the authorized certificate authentication result information and the financial settlement request information to the financial institution server Certified Certificate Management Council The billing information pre-registration based on simple billing system for easy payment with pre-registration.
A simple payment method based on a pre-registered payment information pre-registration for pre-registering an authorized certificate and payment information in a separate authorized certificate management company,
A simple payment method based on a pre-registered payment information pre-registration for pre-registering the authorized certificate and payment information in a separate authorized certificate management company,
A step (S11) of a member accessing a financial institution server through a member terminal, registering the member as a member based on member information, an ID and a password, and registering financial transaction information;
(S12) the member accesses the authorized certificate management company server through the member terminal, registers the member as a member based on the member information, the ID and the password, and preregisters the financial transaction information;
The member accesses the authorized certificate issuing server through the member terminal, inputs the member information and the certificate password, receives the authorized certificate, and the authorized certificate issuing server transmits the authorized certificate and the certificate password to the authorized certificate managing company server to pre-register (S13);
A step S14 of storing and managing an individual authorized certificate, a certified certificate password, financial transaction information, and member information received by the authorized certificate management company server in a DB form;
(S15) a member accesses a website server through a member terminal, inputs an ID and a password, confirms that the member is a member, requests financial settlement for purchasing goods, and inputs an authorized certificate private number;
The web site server encrypts the financial settlement request information and the authorized certificate password of the corresponding member and transmits the encrypted information to the authorized certificate management company server (S16);
Authorized certificate management The company server authenticates the authorized certificate based on the financial settlement request information of the member and the authorized certificate password received from the member server and generates the financial settlement information based on the pre-registered financial transaction information if it is a valid user Step S17;
The authorized certificate management company server transmits the authorized certificate authentication result information and the financial settlement information to the financial institution server (S18);
And a step (S19) in which the financial institution server performs financial settlement such as account transfer based on the financial settlement information and transmits financial settlement result information to the member terminal and the website server (S19) A simple payment method based on a pre-registration of a billing information for pre-registering information in a separate authorized certificate management company for easy settlement.
The method of claim 3,
In step S17,
And if it is not a legitimate user, terminates the process. The method of pre-registration of a payment information pre-registration for pre-registering a public certificate and payment information in a separate authorized certificate management company.
A simple payment method based on a pre-registered payment information pre-registration for pre-registering an authorized certificate and payment information in a separate authorized certificate management company,
A simple payment method based on a pre-registered payment information pre-registration for pre-registering the authorized certificate and payment information in a separate authorized certificate management company,
(S21) of a member accessing a financial institution server through a member terminal, registering the member as a member based on member information, an ID and a password, and registering financial transaction information;
(S22) the member accesses the authorized certificate management company server through the member terminal, registers the member as a member based on the member information, the ID and the password, and preregisters the financial transaction information;
The member accesses the authorized certificate issuance server through the member terminal, inputs the member information and the certificate password, issues the authorized certificate, stores the authorized information in the storage device, and transmits the authorized certificate and the certificate password to the authorized certificate management company server (S23);
(S24) of storing and managing an individual authorized certificate, an authorized certificate password, financial transaction information, and member information in a DB by the authorized certificate management company server;
(S25) a member accesses a website server through a member terminal, inputs an ID and a password to confirm that the member is a member, requests a financial settlement for purchasing a product, and inputs a certificate reference number;
(S26) the web site server encrypts the financial settlement request information and the certificate password of the member and transmits the encrypted information to the public certificate management company server;
Authorized certificate management The company server authenticates the authorized certificate based on the financial settlement request information of the member and the authorized certificate password received from the member server and generates the financial settlement information based on the pre-registered financial transaction information if it is a valid user Step S27;
The authorized certificate management company server transmitting the authorized certificate authentication result information and the financial settlement information to the financial institution server (S28);
And a step (S29) in which the financial institution server performs financial settlement such as account transfer based on the financial settlement information and transmits financial settlement result information to the member terminal and the website server (S29) A simple payment method based on a pre-registration of a billing information for pre-registering information in a separate authorized certificate management company for easy settlement.
6. The method of claim 5,
In step S27,
And if it is not a legitimate user, terminates the process. The method of pre-registration of a payment information pre-registration for pre-registering a public certificate and payment information in a separate authorized certificate management company.




KR1020150086718A 2015-06-18 2015-06-18 Simple Payment System based on Preliminary Registeration of Payment Information and Method thereof KR101763293B1 (en)

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