KR20110068274A - Security intensification electronic wallet, payment settlement system using an electronic wallet and method thereof - Google Patents

Abstract

PURPOSE: An electronic wallet in which the security is strengthened, a payment settlement system, and a settlement method using the same are provided to secure safety of online payment by preventing payment information from exposed to other person when a user inputs information necessary for payment to an electronic wallet. CONSTITUTION: A shopping server(200) provides product information to a plurality of client terminals(100) through online. A financial institution server(400) receives information of a product buyers from a plurality of clients and confirms the information of buyers. A payment server(300) runs an electronic wallet. The payment server processes a product payment by using payment information inputted through a security input machine configured to the electronic wallet.

Description

Security-enhanced electronic wallet, payment settlement system and payment method using same {security intensification electronic wallet, payment settlement system using an electronic wallet and method

The present invention relates to an electronic wallet with enhanced security, a payment settlement system using the same, and a payment settlement method thereof. Specifically, information necessary for payment is leaked from an electronic wallet used for payment after purchasing an item using online. The present invention relates to an electronic wallet with enhanced security, a payment system using the same, and a payment method thereof.

In general, an electronic commercial transaction (EC) means a commerce that allows a buyer to shop and purchase an item on an internet virtual shopping mall site, which is a virtual space, through a network such as the Internet without directly visiting a store selling a product. It means one form. The biggest advantage of such a transaction is that there is no time and space constraints, which saves you the hassle of going directly to the store. In addition, there are few costs such as distribution and building rent, and it is likened to the state-of-the-art golden fishing grounds in that all Internet subscribers in the world are potential customers.

The general process of such e-commerce is as follows. First, when conducting commerce using the Internet, a buyer searches several Internet sites and then selects a specific product he / she wants to purchase. At this time, the buyer enters information necessary for payment, such as a credit card number, password, social security number, account number online, and pays for the goods through credit card payment or bank transfer. In general, in order to secure transactions in an open network such as the Internet, that is, e-commerce, confidentiality to prevent exposure of transactions to third parties, integrity to prevent tampering of transactions, and unfairness to established transactions Non repudiation to prevent reversal, and mutual authentication to prevent the creation of unauthorized transactions should be provided.

However, since e-commerce is carried out using the Internet, there is always a risk that information is exposed to others. In particular, during electronic commerce, payment information is input using a computer keyboard. However, when the payment information is input using the keyboard, the information input from the keyboard may be hacked by another person. Therefore, sensitive information such as the buyer's credit card number or password may be leaked and misused. In addition, other people observe the buyer's input of payment information using the keyboard and may abuse it.

An object of the present invention is to secure the security of online payments by preventing the payment information is exposed to others when entering the information required for payment in the electronic wallet, payment security system using the same and payment system using the same To provide a payment method.

It is still another object of the present invention to provide a security-enhanced electronic wallet, a payment settlement system using the same, and a payment settlement method thereof, which can prevent a keyboard for inputting payment information from being hacked to leak payment information.

One aspect of the present invention for achieving the above technical problem relates to a security-enhanced electronic wallet, a payment system using the same and a payment method for the same. The electronic wallet with enhanced security of the present invention is an electronic wallet for processing payment by inputting information required for online payment when paying for goods transactions online, and the electronic wallet controls information necessary for payment as a control means. Enter the information required for payment so that it is not exposed to others, including a secure input device for input.

In one embodiment, the control means inputs the payment information to any one of a pointer device, a finger or a touch fan.

In one embodiment, the secure input unit is randomly arranged a plurality of unit input unit consisting of any one of letters, numbers or symbols.

In one embodiment, the payment information includes at least one of an account number, card number, card password, security card number, social security number or official certificate password.

A payment processing system using a security-enhanced electronic wallet of the present invention includes a service system for paying a price according to a goods transaction online, comprising: a shopping server providing goods information to a plurality of client terminals through the online; A financial institution server that receives information on goods buyers from the plurality of clients and checks information on the buyers; And a payment server that drives the electronic wallet and processes the payment for the goods using the payment information input through the secure input device configured in the electronic wallet.

In one embodiment, the payment server includes an electronic wallet support module for driving an electronic wallet for receiving payment information of a purchased item; A payment processing module configured to pay for the goods by using the payment information input through the electronic wallet support module; And a security input device control module for controlling the security input device and processing payment information input through the security input device.

In an embodiment, the security inputter control module may be configured to randomly arrange a plurality of unit inputs including at least one of letters, numbers, and symbols included in the security inputter.

According to an aspect of the present invention, there is provided a method for processing a payment using a security-enhanced electronic wallet, the service providing method of paying a price for an item transaction online, the method comprising: receiving, by a client terminal, item information from a shopping server; When the goods are purchased through the client terminal, an electronic wallet and a security input device are driven from the payment server on the client terminal; Inputting, by the client terminal, the payment information using a security input device provided in the electronic wallet; And the payment server includes the step of proceeding to pay the goods using the payment information.

In an embodiment, the secure input unit may include a plurality of unit input units configured to include at least one of letters, numbers, and symbols in the payment information input step.

According to the security-enhanced electronic wallet of the present invention, a payment system and a payment method using the same, by using an input means other than a keyboard by using a security input device provided in an electronic wallet without inputting payment information using a keyboard By inputting payment information, information leakage by keyboard hacking can be prevented in advance. In addition, it is possible to prevent the leak of payment information by observing the keyboard of the buyer who inputs the payment information. In addition, it is possible to use a more secure electronic payment system because the security of the electronic wallet is improved to prevent the leakage of payment information.

In order to fully understand the present invention, preferred embodiments of the present invention will be described with reference to the accompanying drawings. Embodiment of the present invention may be modified in various forms, the scope of the invention should not be construed as limited to the embodiments described in detail below. This embodiment is provided to more completely explain the present invention to those skilled in the art. Therefore, the shape of the elements in the drawings and the like may be exaggerated to emphasize a more clear description. It should be noted that the same members in each drawing are sometimes shown with the same reference numerals. Detailed descriptions of well-known functions and configurations that are determined to unnecessarily obscure the subject matter of the present invention are omitted.

1 is a diagram schematically showing the configuration of a payment system according to a preferred embodiment of the present invention.

As shown in FIG. 1, the payment system of the present invention includes a plurality of client terminals 100, a shopping server 200, a payment server 300, and a financial institution server 400, and establishes a wired / wireless communication network 1. Connected through. The plurality of client terminals 100 are devices that can be used by a buyer who wants to purchase goods online by connecting to the wired / wireless communication network 1 such as a personal PC, a laptop, a PDA, and a portable terminal. The shopping server 200 transmits the item information to the plurality of client terminals 100 through the wired / wireless communication network 1 and provides the information so that the buyer can purchase the desired item. The payment server 300 provides a service related to payment of goods, payment and settlement according to electronic commerce when the client terminal 100 receiving the goods information from the shopping server 200 makes a purchase request. The financial institution server 400 receives payment information of a purchaser who purchases an item from a financial institution such as a bank, a securities company or a card company, so that payment is made.

The payment server 300 includes an electronic wallet support module 320, a payment processing module 340, and a security input device control module 360. The electronic wallet support module 320 drives an electronic wallet for providing the shopping server with transaction details related to the payment for the goods according to the electronic commerce from the plurality of client terminals 100. The electronic wallet receives payment information necessary for making a payment after purchasing an item from a buyer in electronic commerce. Electronic sensing is a general configuration used in electronic commerce, so detailed description thereof will be omitted. The buyer enters the information necessary for payment of goods through the electronic wallet. The payment processing module 340 provides a payment processing service of the item selected at the buyer's request. The security input device control module 360 drives a security input device, which is an input module configured in the electronic wallet, and processes information input through the security input device. The security input device control module 360 allows the security input device to be driven together when the electronic wallet is driven by the electronic wallet support module 320. The construction and use of the security input method will be described in detail below.

In addition, the payment system according to the present invention includes a database management server (370). The database management server 370 stores information utilized in the payment system from the member information registered in the shopping server 200.

Hereinafter, a process of purchasing a product by accessing the shopping server 200 to the client terminal 100 which is a personal computer in the payment system will be described in detail.

2 is a flowchart illustrating a process in which a buyer purchases a product and pays in a payment system.

As shown in FIG. 2, the purchaser accesses the shopping server 200 through the wired / wireless communication network 1 through the client terminal 100 (S110). The buyer searches for various goods information provided by the shopping server 200 (S210). If there is a specific item to be purchased in the connected shopping server 200, the client (buyer) purchases the item (S220). At this time, the shopping server 200 determines whether the client is a member of the shopping server 200 (S230). If the client is a member of the shopping server 200 to log in (S240), if not a member to log in after registering (S232). After logging in, the client requests payment of the item to be purchased by the payment server 300 (S250). In this case, the payment server 300 drives the electronic wallet and the security input device through the electronic wallet support module 320 and the security input device control module 360 (S310). The buyer inputs information necessary for payment using a secure input device (S320). The input payment information is transmitted to the financial institution server 400 to check whether the payment information of the buyer is correct (S410). For example, when the buyer transfers the account, check whether the buyer's account number, password and social security number match, and when the buyer pays the card, check whether the buyer's card number and password match. That is, to confirm the information required for payment of goods. If the payment information is matched, the financial institution server 400 makes a payment processing request to the payment server 300 (S330). If the payment information does not match, the goods payment is canceled (S422). The shopping server 200 informs the buyer of payment completion information when the payment processing is completed from the payment server 300 (S260). When the purchaser completes payment, the purchaser terminates the purchase and terminates the shopping with the shopping server (S150).

Hereinafter, a process of inputting payment information into an electronic wallet when a buyer purchases an item will be described. For example, let's take a look at the case where a buyer pays for goods through wire transfer and then pays for goods using a card.

3 to 4 are diagrams illustrating a process of inputting payment information using a security input device provided in an electronic wallet when transferring an account according to a preferred embodiment of the present invention.

As shown in FIGS. 3 to 4, the electronic wallet 500 equipped with the security input device 550 according to the present invention is driven in the payment step. Here, the buyer selects a bank in which the bank transfer is to be performed in the bank selection area 510 and inputs the social security number and account number of the buyer in the social security number area 520 and the account number area 530, respectively. Thereafter, the password of the corresponding account is input using the security input unit 550.

The security input unit 550 is configured by randomly arranging unit input units 552 composed of any one of letters, numbers, and symbols. In this case, the plurality of unit input units 552 included in the security input unit 550 may be all configured in one kind, or may be configured by mixing at least one of letters, numbers, and symbols. The purchaser may input information by selecting a target unit input unit 552 to be input from among the plurality of unit input units 552 configured in the security input unit 550 using the pointer device. In addition, when the electronic wallet 500 is driven on the touch screen, the unit input unit 552 may be selected using a finger or a touch fan. In the present embodiment, the security input unit 550 includes a plurality of unit input units 552 composed of numbers randomly arranged by the security input unit control module 360.

Referring to the drawings shown in Figures 3 to 4 will be described by way of example the buyer enters the password using the security input unit 550. That is, the purchaser selects a number corresponding to the purchaser's password from the security input unit 550 provided in the electronic wallet 500 window using the pointer device (ie, a mouse). For example, when the password is 74, the pointer 560 is moved to the unit input unit 552 representing 7 and 4 of the security input unit 550 using the mouse to sequentially select the unit input unit 552. Although the selected unit input unit 552 is not displayed as a number in the password area 540, the location information of the selected unit input unit 552 is transmitted to the security input unit control module 360. At this time, the position information of the unit input unit 552 is set corresponding to the position of the electronic wallet 500 in the display device (for example, the monitor). The security input device control module 360 may correspond to the received location information of the unit input unit 552 and the numeric information corresponding to each unit input unit 552 to check the password information of the buyer and transmit the same to the financial institution server 400. . In the present embodiment, a password required for bank transfer is input using the security input unit 550, but security can be improved by using the social security number and account number required for payment of goods. Here, the unit input unit 552 of the security input unit 550 may be further randomly arranged again each time the electronic wallet 500 is driven, thereby further improving security. In addition, since the password is not entered directly using the numeric keys on the keyboard, payment information can be prevented from being exposed through the keyboard. In addition, when inputting a security card number at the time of account transfer can use the security input unit 550 according to the present invention.

5 to 6 are diagrams illustrating a process of inputting payment information using a security input device provided in an electronic wallet at the time of card payment according to a preferred embodiment of the present invention.

As illustrated in FIGS. 5 to 6, when the purchaser selects a card payment and proceeds with payment, the electronic wallet 600 equipped with the security input unit 650 is driven. In the case of card payment, the password is input to the password area 640 using the security input device 650 in the same manner as the above-mentioned payment transfer. Here, the buyer selects the card type to be paid in the card selection area 610 and inputs the card number in the card number area 620. Thereafter, the password of the card is input using the security input unit 650. At this time, the security input unit 650 is composed of a plurality of unit input unit 652 consisting of a number randomly arranged by the security input unit control module 360.

Here, the buyer moves the pointer 660 on the display screen using a mouse and sequentially selects the number corresponding to the buyer's password to the security inputter 650. For example, when the password is 94, the unit input unit 652 indicating 9 and 4 of the security input unit 650 is sequentially selected using a mouse. The selected unit input unit 652 may check the numeric information corresponding to each unit input unit 652 by transmitting the position information of the unit input unit 652 to the security input unit control module 360. Here too, the card number may be input using the security input device 650, or the card number and the password may be input.

7 is a diagram illustrating an Internet banking certificate screen provided with a security input device according to an embodiment of the present invention.

As shown in FIG. 7, a security input unit 750 is provided on the Internet banking certificate screen 700 in accordance with a preferred embodiment of the present invention to input an Internet banking certificate password using a mouse instead of a keyboard. Can be entered.

According to the exemplary embodiment of the present invention, the unit input units 552 and 652 of the security input devices 550 and 650 may be selected as the pointers 560 and 660 on the display screen using a mouse. The unit input units 552 and 652 of the security input units 550 and 650 may be selected as 560 and 660.

 The embodiment of the security-enhanced electronic wallet described above, a payment system using the same, and a payment method thereof are merely exemplary, and those skilled in the art to which the present invention pertains may be provided. It will be appreciated that various modifications and other equivalent embodiments are possible. Accordingly, it is to be understood that the present invention is not limited to the above-described embodiments. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims. It is also to be understood that the present invention includes all modifications, equivalents, and substitutes within the spirit and scope of the invention as defined by the appended claims.

1 is a diagram schematically showing the configuration of a payment system according to a preferred embodiment of the present invention.

2 is a flowchart illustrating a process in which a buyer purchases a product and pays in a payment system.

3 to 4 are diagrams illustrating a process of inputting payment information using a security input device provided in an electronic wallet when transferring an account according to a preferred embodiment of the present invention.

5 to 6 are diagrams illustrating a process of inputting payment information using a security input device provided in an electronic wallet at the time of card payment according to a preferred embodiment of the present invention.

7 is a diagram illustrating an Internet banking certificate screen provided with a security input device according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

1: wired and wireless network 100: client terminal

200: shopping server 300: payment server

320: electronic wallet support module 340: payment processing module

360: security input control module 370: database management server

400: financial institution server 500, 600: electronic wallet

510: bank selection area 520: social security number area

530: account number area 540, 640: password area

550, 650, 750: security input 552, 652: unit input

560, 660: pointer 610: card selection area

620: Card Number Area 700: Internet Banking Certificate Screen

Claims (9)

In the electronic wallet to process the payment by entering the information required for online payment when you pay for goods transactions online, The electronic wallet includes a security input unit for inputting the information required for payment as a control means, the security enhanced electronic wallet for inputting the information necessary for payment so as not to be exposed to others. The method of claim 1, The control means is a security enhanced electronic wallet for inputting the payment information to any one of a pointer device, a finger or a touch fan. The method of claim 2, The security input device is a security-enhanced electronic wallet in which a plurality of unit input units consisting of letters, numbers, or symbols are randomly arranged. The method of claim 1, The payment information is security-enhanced electronic wallet including at least one of account number, card number, card password, security card number, social security number or official certificate password. In the service system that pays for goods transactions online, A shopping server providing article information to a plurality of client terminals through the online; A financial institution server that receives information on goods buyers from the plurality of clients and checks information on the buyers; And The payment information is leaked to the outside by inputting the payment information through the security input device, including a payment server for driving the electronic wallet and payment for goods using the payment information input through the security input device configured in the electronic wallet. Payment processing system using an electronic wallet with enhanced security to prevent. The method of claim 5, The payment server includes an electronic wallet support module for driving an electronic wallet for receiving payment information of a purchased item; A payment processing module configured to pay for the goods by using the payment information input through the electronic wallet support module; And And a security input device control module for controlling the security input device and processing payment information input through the security input device. The method of claim 6, The security input device control module is a payment processing system using a security-enhanced electronic wallet to randomly arrange a plurality of unit input unit comprising at least one of letters, numbers or symbols included in the security input device. In the service providing method of paying for goods transaction online, The client terminal receives the product information from the shopping server; When the goods are purchased through the client terminal, an electronic wallet and a security input device are driven from the payment server on the client terminal; Inputting, by the client terminal, the payment information using a security input device provided in the electronic wallet; And The payment server is a payment settlement processing method using a security-enhanced electronic wallet comprising the step of payment of goods using the payment information. The method of claim 8, In the payment information input step, the security input unit is a payment settlement processing method using a security-enhanced electronic wallet randomly arranged a plurality of unit input unit comprising at least one of letters, numbers or symbols.

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