KR20100048115A - Apparatus for providing payment service in internet and method thereof - Google Patents

Abstract

PURPOSE: A device for providing payment processing service in an internet and a method thereof are provided to pay a product price after certifying purchasers by matching address information provided through cable internet service subscription and address information about connecting location of an internet terminal. CONSTITUTION: A payment processing unit(201) compares internet service subscription address information of purchaser and connecting location address information of a purchaser terminal. The payment processing unit processes payment, after certifying the purchaser through the comparison. A payment information unit(202) stores the obtained address information and a payment breakdown. A payment information providing unit(203) provides the processed payment information to a shopping mall server(106).

Description

Apparatus and method for processing payment in the Internet environment {APPARATUS FOR PROVIDING PAYMENT SERVICE IN INTERNET AND METHOD THEREOF}

The present invention relates to a payment processing apparatus and a method thereof in an Internet environment, and more particularly, by matching the address information provided at the time of subscription to the wired Internet service with the address information on the access location of the Internet terminal to authenticate the buyer By paying the price, the buyer does not have to enter his or her personal information such as his / her card number, password, social security number, etc. to pay for the internet shopping, thereby preventing the buyer's personal information from being exposed. The present invention relates to a billing processing apparatus and a method thereof in an environment.

Nowadays, online shopping malls have grown significantly due to the spread of the Internet, and the online market is known to be the third largest retailer and department store in Korea. The online market is expected to continue to grow, surpassing department store sales within two years, becoming the second retail channel after large discount stores.

In this growing online market, a user registers as a member of a shopping mall, logs in with a user ID and password, purchases a product, and pays a price through a communication network. Payment through the communication network, i.e. online, is made through credit card, bank transfer, mobile phone (hair date), gift certificate, ARS (Automatic Response System), and other payment methods.

Operators that provide such various payment methods are called online payment service (PG) providers and enter into contracts with online shopping malls to perform payment and settlement related tasks.

Internet shopping malls do not contract merchants with all banks, credit card companies, and telecommunications companies. Instead, PG contracts with banks, credit card companies, and telecommunications companies. In this way, the Internet shopping malls do not have to perform payment and settlement tasks with each bank, credit card company, and telecommunication company, and PG acts as a payment and settlement agent with banks, credit card companies, and telecommunication companies. No settlement is necessary.

However, while the internet shopping market has grown significantly and payment through reliable PG is being made, there is anxiety about payment. In particular, well-known auction sites and refiners leaked millions of users' information, causing social waves.

Until now, the internet shopping has been conducted by PG to select a product that the user wants to purchase and pay for the product after a user who has subscribed to a certain shopping mall accesses the shopping mall via the Internet and logs in with a user ID and password. The payment method provided was used.

First, among the payment methods provided by PG, credit card payments use secure payments or secure payments in order to block the leakage of card information such as card number or password input. All payments are made. However, secure payment or secure payment is not safe if the password is leaked because the user must enter a password every time. Even in the case of a small card payment, the card number, expiration date, social security number, card password, etc. must be entered to settle the user's information.

Next, among the payment methods provided by the PG, the account transfer method always involves the inconvenience of having to input the transfer account number, withdrawal password, certificate password, and the like, and the risk of leakage.

Lastly, in the mobile phone payment provided by the mobile carrier among the payment methods provided by the PG, the mobile phone number, social security number, authentication number, etc. are input for user authentication, and the ARS payment provided by the wire carrier is also wired for user authentication. Since telephone numbers, social security numbers, authentication numbers, and the like must be entered, the risk of leakage of user's personal information also exists.

As described above, in the Internet shopping, various payment methods provided by the PG must input at least one or more personal information such as a password, social security number, telephone number, and authentication number every time online shopping, thereby making the user uncomfortable. There is a problem creating and leaving room for user information to be exposed.

It is a problem of the present invention to solve the problems of the prior art as described above.

Therefore, in the present invention, by matching the address information provided at the time of subscription to the wired Internet service and the address information on the access location of the Internet terminal, the buyer authenticates the buyer and pays for the product, thereby allowing the buyer to pay his / her own card for payment according to Internet shopping. It is an object of the present invention to provide a billing processing apparatus and a method thereof in an internet environment to prevent personal information such as a number, password, social security number, etc. from being inputted, thereby preventing the exposure of the personal information of the buyer.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The apparatus of the present invention for achieving the above object, in the payment processing device in the Internet environment, the purchaser is authenticated by comparing the purchaser's Internet service subscription address information and the buyer's terminal access location address information to process the payment; Payment processing means for; Payment information storage means for storing the address information and the payment details obtained by the payment processing means; And payment information providing means for providing the payment information processed by the payment processing means to the shopping mall server.

On the other hand, the method of the present invention for achieving the above object, in the payment processing method in the Internet environment, according to the payment request from the outside, the buyer's Internet service subscription address information and the access point address information of the buyer terminal Obtaining the address information; Comparing the obtained Internet service subscription address information with the access location address information of the terminal; If the comparison result is the same, determining that the authentication is successful and processing the payment; And if the comparison result is not the same, determining that the authentication fails and not processing the payment.

In addition, when the user using the Internet requests a payment after logging in to a shopping mall in order to purchase a product through the Internet, the user processes the payment by identifying the location of the user accessing the Internet.

In addition, the present invention compares the subscription address information that the user subscribes to the Internet and requests installation and the address information on the Internet access location where the user accesses to purchase goods, social security number, card number, telephone number, password, authentication The payment service is provided to the user without inputting the user's information such as a number.

In addition, the present invention, after a user who has subscribed to a specific shopping mall accesses the shopping mall via the Internet and logs in with a user ID and password, selects a product that the user wants to purchase, and requests a payment to pay for the product. At the time of departure from the payment method previously provided by the payment gateway (PG), when the user subscribes to the Internet service, the terminal uses the subscription address information requesting the installation of the Internet line and IP information assigned to the Internet terminal connected to the Internet. By comparing the access location address information of the Internet terminal obtained from the location information providing system that provides the location address information, if the two addresses are the same, the address where the user installs the Internet is the same as the address to which the Internet is connected, and the payment is allowed. In addition, the bill should be added to the Internet charges.

In addition, the present invention, when the user logs in to the website provided by the Internet service provider with the ID (user, Internet line) registered in the address to the Internet service subscription, by comparing the obtained access location address information and subscription address information If the address where the user installs the Internet is the same as the Internet access address, it can be used to allow login authentication of a website without a password.

In addition, the present invention can deliver the goods purchased by the user by courier using the acquired access point address information and subscription address information, it is possible to increase the user's satisfaction with the service.

The present invention as described above, by matching the address information provided at the time of subscription to the wired Internet service and the address information on the connection location of the Internet terminal to authenticate the buyer and then pay the product price, the buyer for payment according to the Internet shopping Since the user does not have to enter his or her personal information such as card number, password, social security number, etc., there is an effect that can block the risk that the buyer's personal information is exposed.

In addition, when the present invention is applied to a shopping mall directly operated by an operator providing an Internet service, there is an effect of reducing the fee provided to the PG.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, It can be easily carried out. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of an embodiment of a shopping service providing system in a general wired Internet environment.

As shown in FIG. 1, a shopping service system in a general wired Internet environment includes an internet terminal 101, a modem 102, a digital subscriber line access multiplexer (DSLAM) or switch 103, an aggregation switch 104, Edge router 105, shopping mall server 106, payment gateway (PG: hereinafter referred to as PG) 107, bank server 108, credit card company server 109, carrier server 110 ).

Hereinafter, each component will be described in detail.

First, the Internet terminal 101 is connected to the DSLAM 103 through the modem 102 of the user's home, and the DSLAM 103 is connected to the aggregation switch 104 by multiplexing the lines from the plurality of Internet terminals 101. do,

The aggregation switch 104 aggregates the plurality of DSLAMs 103 in the Internet environment and connects them to the edge router 105.

In addition, the edge router 105 is connected to the Internet backbone network again to provide various additional services to the Internet service user terminal 101.

On the other hand, the DSLAM 103 and the aggregation switch 104 constituting the subscriber network may be configured with other equipment, but the present invention will be described only representative because it does not directly use the equipment constituting the subscriber network.

In addition, the shopping mall server 106 connected to the Internet establishes an Internet web page and allows an Internet user to purchase a desired product by accessing the web page.

In addition, the PG 107 provides the Internet shopping mall server 106 with a means for paying the price while purchasing a product desired by the user and an authentication means. That is, the payment payment method provided by the PG 107 provides various methods such as credit card, bank transfer, mobile phone (mobile) payment, ARS payment, Internet line payment, and the like. ), The authentication card is relayed to the credit card company server 109, the communication company server 110, and the like.

At this time, the bank server 108, which has received the authentication request from the PG 107, transfers the result to the PG 107 when the user transfers the purchase price of the product.

In addition, the credit card company server 109 has received a request for authentication from the PG 107, and when the user pays the purchase price with the card, the credit card company server 109 transmits the result to the PG 107.

In addition, the telecommunication company server 110 that has received the authentication request from the PG 107 approves the purchase price of the product requested by the user, and transmits the result to the PG 107.

As described above, the PG 107 that has received the payment approval result from the bank server 108, the credit card company server 109, and the communication company server 110 provides the payment result to the shopping mall server 106 and the Internet terminal 101. After receiving the result, the shopping mall server 106 gives the user the right to deliver or use the purchased goods by courier.

Meanwhile, the credit card company server 109 and the telecommunication company server 110 that approved the payment bill the user by adding the card payment amount or the mobile phone / telephone charge to the user on a date determined by the company, and pays the fee from the amount paid by the user. After the restriction, it passes to the PG 107. The received PG 107 deducts a relay fee and transfers it to the shopping mall server 106 to complete the internet shopping.

2 is a configuration diagram of an embodiment of a shopping service providing system in a wired Internet environment to which the present invention is applied. In the Internet shopping using a wired Internet service, a purchaser's Internet subscription address information and a purchaser's terminal are connected to an Internet connection line. Shows the configuration for obtaining address information.

First, the Internet service provider establishes / opens a line connected to the Internet terminal 101, the modem 102, the DSLAM 103, the aggregation switch 104, the edge router 105, and the like.

At this time, the Internet service provider receives and manages the subscriber's physical location address in order to provide the Internet service line to the user, and opens the Internet line to the address provided by the user. This address is maintained by the subscription address providing system 220 without being changed until the user terminates the Internet service.

If the user requests a change to the Internet service installation address, the Internet operator changes the Internet installation to the address requested by the user, and maintains the changed address in the subscription address providing system 220. Therefore, the subscription address providing system 220 will always manage the address for the Internet service subscription.

That is, the subscription address providing system 220 obtains mapping information of the Internet access line ID through the user ID of the Internet terminal 101 requesting the payment, and obtains the internet line subscription address information using the Internet access line ID. Here, the Internet access line ID is an ID given to the Internet access service contractor when the Internet line is opened, and is the same concept as the telephone number of the PSTN.

In addition, since the Internet service provider generally provides a dynamic IP, when the Internet terminal 101 boots, the IP is assigned to the Internet terminal 101, and the aggregation switch 104 and the DSLAM 103 to which the assigned IP belongs. The port information and the like are managed by the location information providing system 230, so that the user can accurately know the location information to which the user is connected.

That is, the location information providing system 230 manages the address where the aggregation switch 104 is installed by the IP of the aggregation switch 104. In addition, it manages the IP and installation address for each of the plurality of DSLAM 103 connected to the down port of the aggregation switch 104. In addition, it manages the location address of the Internet terminal 101 connected to each port of the DSLAM (103).

Hereinafter, the location information providing system 230 will be described in more detail with reference to FIG. 6.

FIG. 6 illustrates a configuration for obtaining physical location information mapped to an IP address when an Internet service provider allocates a floating IP address to an Internet terminal in an IP or VDSL scheme.

As shown in FIG. 6, the location information providing system 230 includes a facility information management device 601, a location information management device 602, and a DHCP device 603.

First, the Internet service provider opens the line by connecting the modem 102 and DSLAM or switch 103 located in the subscriber's home to enable the Internet service connection. At this time, the network facility information and physical location information of the subscriber side is managed through the line opening, and the device that manages the facility is the facility information management device 601, and the facility information management device 601 is a DSLAM or a switch 103. It manages the physical location information of the line number (port information) and subscriber address mapped to the port at the bottom, and periodically provides subscriber-side network facility information / port information / location information to the location information management device 602. do. Of course, the subscriber side network facility information / port information / location information may be provided at the request of the location information management device 602.

Here, subscriber side network facility information / port information / location information means network facility information located on a connection line with a subscriber, connection port information of a corresponding network facility, and subscriber location information (address) of a port of the corresponding network facility. .

At this time, the physical location information secured at the time of opening by the facility information management device 601 is static information which hardly changes, and may be changed by changing a line connection due to a line failure or the like, but the subscriber releases the subscription. Until it is maintained.

In addition, the facility information management apparatus 601 manages subscriber system switch information for each IP address group, and provides subscriber system switch information corresponding to the corresponding IP address in response to a request from the location information management apparatus 602. For example, the location information management device 602 may not receive network facility information and port information in the DHCP Option 82 information from the DHCP device 603.

After the line is opened, a floating IP address is allocated from the DHCP device 603 in the process of booting the Internet terminal 101. The DHCP device 603 is a system for assigning a dynamic IP address to the Internet terminal 101. In general, the DHCP device 603 maps an IP address allocation function and an assigned IP address to a MAC (Media Access Control) address of the Internet terminal 101. It has a function to manage, and can additionally check the specific connection position to the Internet terminal 101 by using the 'DHCP Option' functions.

The DHCP device 603 performs a function of providing the location information management device 602 with the IP address and MAC address, network facility information, and port information allocated to the Internet terminal 101 in real time. Here, the DHCP device 603 is a system for providing a real-time IP address, it should be understood as referring to a system for managing the assigned IP address in real time.

On the other hand, the location information management device 602 receives static information, which is physical location information, from the facility information management device 601, and detailed information on the dynamic IP address assigned to the Internet terminal 101 from the DHCP device 603. By receiving the dynamic information in real time to map the access IP address and physical location information to finally build the physical location information of the Internet terminal (101). At this time, the IP address is mapped to the MAC address of the assigned Internet terminal 101.

In addition, the external location information request system 230 is a system for requesting physical location information on a used IP address, and requests location information for an emergency call service and a short-range routing service in the Internet terminal 101. System. The location information request system 230 requests the location information of the Internet terminal 101 using the IP address to the location information management device 602 using the IP address obtained from the Internet service, and the location information management device ( 602 retrieves and provides physical location information of the corresponding IP address from the location information database managed by the user.

In addition, the DSLAM or switch 103 and subscriber switch 604 performs the same function as the DSLAM or switch 103 and the tangential switch 104 described in FIG. You can also perform Option 82 'function.

Here, the 'DHCP Option 82' function is to use the IP request message of the DHCP protocol when the Internet terminal 101 requests the assignment of the IP address to the DHCP device 603, the DHCP protocol when passing through the network facility This function is to send connection information and network facility information to the upper system (for example, DHCP device) in IP request message of the user. If the network facility performs 'DHCP Option 82' function, it is through DHCP device 603. It is possible to easily secure the physical location information of the Internet terminal 101.

3 is a block diagram of an embodiment of a payment processing apparatus in the Internet environment according to the present invention.

As shown in FIG. 3, the payment processing apparatus in the Internet environment according to the present invention is obtained from the purchaser's Internet service subscription address information and location information providing system 230 obtained from the subscription address providing system 220. The payment processing unit 201 for processing the payment after authenticating the buyer by comparing the access location address information of the buyer terminal, the payment information storage unit 202 for storing the address information and payment details obtained from the payment processing unit 201 And a payment information providing unit 203 for providing and managing the payment information (breakdown) processed by the payment processing unit 201 to the shopping mall server 106.

Here, the payment information processing unit 201 manages settlement, settlement, and refund through payment information.

Also, the payment processing unit 201 accepts the payment request from the shopping mall server 106, requests the subscription address information from the subscription address providing system 220, and the customer accesses the Internet to the location information providing system 230. Request address information for a location.

4 is a flowchart illustrating a method for processing a payment in an internet environment according to the present invention.

First, when a buyer logs in to the shopping mall server 106 through the internet terminal 101, selects a desired product, and requests a payment to pay a price, the shopping mall server 106 requests the user's name and user ID. The request for payment is made by transferring information such as an IP address, a product name, a product price, and the like (401).

Thereafter, the payment processing device 200 requests the user's Internet service subscription address information from the subscription address providing system 220 using the user ID received from the shopping mall server 106 (402).

In addition, the payment processing apparatus 200 requests the Internet access location address information to which the port information of the Internet connected by the user is connected to the location information providing system 230 by using the IP address received from the shopping mall server 106 (403). ).

Then, the subscription address providing system 220 finds the Internet access line ID by using the mapping relationship between the user ID and the user's Internet access line ID, and obtains the user's Internet service subscription address information using the user ID (404).

Thereafter, the subscription address providing system 220 transmits the obtained address information to the payment processing device 200 (405).

In addition, the location information providing system 230, using the user's IP, using the facility information, such as DSLAM / switch 103, aggregation switch 104, edge router 105, as shown in Figure 2, The detailed connection location address information of the Internet terminal 101 to which the user is connected is provided to the payment processing apparatus 200 (406).

Thereafter, the payment processing apparatus 200 compares the Internet service subscription address information of the user provided from the subscription address providing system 220 with the Internet access location address information currently accessed by the user provided from the location information system 230 ( 407).

As a result of the comparison (407), if the two addresses match, it is determined that authentication is successful because the address where the user has installed the Internet is the same as the address where the Internet is connected, and the result is transmitted to the shopping mall server 106 (408).

As a result of the comparison (407), if the two addresses do not match, it is determined that authentication fails because the address where the Internet is installed and the address where the user accesses the Internet are different, and the result is transmitted to the shopping mall server 106 (408). .

Thereafter, the payment processing device 200 stores and manages all information of the user used for payment payment in the payment information storage unit 202 (409).

At this time, the stored information is the user's name, payment amount, user ID, IP, product name, product price, product code number, CP classification number, payment success time, payment payment classification code, total billing target phone number or Internet access line ID And the like.

In addition, the stored and managed payment information is used for procedures such as billing, settlement, and the like in addition to telephone or Internet service fees.

In summary, after first joining a shopping mall, entering a user ID and password, logging in, and requesting a payment request for a purchase behavior for a product that the user wants to purchase from a system (shopping mall server or a payment request server) that has requested authentication Accept.

Thereafter, the mapping information of the Internet access line ID is obtained using the user ID provided from the system requesting authentication, and the Internet line subscription address information is obtained using the Internet access line ID.

In addition, the IP address of the Internet terminal of the user provided from the system requesting the authentication to obtain the location address information of the Internet terminal connected to the IP.

Thereafter, the obtained user ID is mapped to the Internet access line ID, and the Internet access line ID is compared with the Internet subscription address information of the user and the location address information of the Internet terminal to which the IP is connected to determine whether the billing is approved.

Thereafter, according to the determination result, one of payment success or failure is transmitted to the payment request system.

Thereafter, the Internet subscription address information of the obtained logged-in user ID, the location address information of the Internet terminal connected with the corresponding IP, and the corresponding billing information for the purchased product requested from the payment request system are stored and managed.

5 is an example of a payment scenario in a shopping service providing system in a wired Internet environment to which the present invention is applied, and payment is made by a payment method (ARS / cell phone, credit card, bank transfer, etc.) provided by PG. This is a diagram generalizing a scenario.

As shown in Figure 5, when the payment is made by the payment method according to the present invention, the user can enter the user information, such as social security number, password, authentication number, card number, security / security payment number, bankbook number, etc. It can be seen that there is no need (501).

On the other hand, when the present invention is not applied, it can be seen that the user information is necessarily input, and the authentication and payment procedure for comparing the input content with the information managed by the authentication system is performed (502).

On the other hand, the method of the present invention as described above can be written in a computer program. And the code and code segments constituting the program can be easily inferred by a computer programmer in the art. In addition, the written program is stored in a computer-readable recording medium (information storage medium), and read and executed by a computer to implement the method of the present invention. The recording medium may include any type of computer readable recording medium.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

The present invention can be used for payment services.

1 is a configuration diagram of an embodiment of a shopping service providing system in a general wired Internet environment;

2 is a configuration diagram of an embodiment of a shopping service providing system in a wired Internet environment to which the present invention is applied;

3 is a configuration diagram of an embodiment of a payment processing apparatus in an internet environment according to the present invention;

4 is a flowchart illustrating an embodiment of a payment processing method in an internet environment according to the present invention;

5 is an example of a payment scenario in a shopping service providing system in a wired Internet environment to which the present invention is applied;

6 is an exemplary view of a location information providing system according to the present invention.

* Explanation of symbols for the main parts of the drawings

200: payment processing device 220: subscription address providing system

230: location information providing system 201: payment processing unit

202: payment information storage unit 203: payment information provider

Claims (8)

In the payment processing device in the Internet environment, Payment processing means for processing the payment after authenticating the buyer by comparing the purchaser's Internet service subscription address information with the purchaser's terminal location address information; Payment information storage means for storing the address information and the payment details obtained by the payment processing means; And Payment information providing means for providing the payment information processed by the payment processing means to the shopping mall server Payment processing device in the Internet environment comprising a. The method of claim 1, The payment processing means obtains the Internet service subscription address information of the Internet access line ID mapped to the purchaser ID of the buyer terminal from the subscription address providing system. Payment processing device in the Internet environment. The method according to claim 1 or 2, The payment processing means is for obtaining address information corresponding to the IP address of the buyer terminal from the location information providing system. Payment processing device in the Internet environment. The method of claim 3, wherein The payment information may include a user's name, payment amount, user ID, IP, product name, product price, product code number, CP classification number, payment success time, payment settlement classification code, total billing telephone number or Internet access line ID. Containing at least one Payment processing device in the Internet environment. In the payment processing method in the Internet environment, An address information obtaining step of acquiring Internet service subscription address information of the corresponding buyer and access location address information of the corresponding buyer terminal according to a payment request from the outside; Comparing the obtained internet service subscription address information with access location address information; If the comparison result is the same, determining that the authentication is successful and processing the payment; And If it is not the same as the result of the comparison, it is determined that the authentication failed and do not process the payment Payment processing method in the Internet environment comprising a. The method of claim 5, The obtaining of the address information may include obtaining Internet service subscription address information of an Internet access line ID mapped to a purchaser ID of the purchaser terminal from a subscription address providing system. How to handle payment in the internet environment. The method according to claim 5 or 6, The obtaining of the address information may include obtaining address information corresponding to an IP address of the purchaser terminal from a location information providing system. How to handle payment in the internet environment. The method of claim 7, wherein The payment information may include a user's name, payment amount, user ID, IP, product name, product price, product code number, CP classification number, payment success time, payment settlement classification code, total billing telephone number or Internet access line ID. Containing at least one How to handle payment in the internet environment.

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