KR100349779B1 - 전자 상거래를 위한 방법, 시스템, 기록 매체, 데이터 처리 시스템 - Google Patents
전자 상거래를 위한 방법, 시스템, 기록 매체, 데이터 처리 시스템 Download PDFInfo
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- KR100349779B1 KR100349779B1 KR1019990063175A KR19990063175A KR100349779B1 KR 100349779 B1 KR100349779 B1 KR 100349779B1 KR 1019990063175 A KR1019990063175 A KR 1019990063175A KR 19990063175 A KR19990063175 A KR 19990063175A KR 100349779 B1 KR100349779 B1 KR 100349779B1
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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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]
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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
- G06Q20/04—Payment circuits
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
Description
인증 유형 | 목적 | 발행 당사자 | 신뢰 당사자(Relying Parties) |
루트(Root) | 전체 프로토콜에 대한 신뢰 기반을 제공한다. | 루트(자신) | 모두 |
발행 은행 | 가맹점에 대해 유효한 발행 은행을 식별하고 인증하는 것을 돕는다. | 루트 | 가맹점, 수용 은행 |
수용 은행 | 발행 은행과 소비자에 대해 유효한 수용자를 식별하고 인증하는 것을 돕는다. | 루트 | 발행 은행, 소비자 |
가맹점 | 발행 은행과 소비자에 대해 유효한 가맹점을 식별하고 인증하는 것을 돕는다. | 수용 은행 | 발행 은행, 소비자 |
Claims (29)
- 가맹점(merchant)의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 단계―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지(a wallet initiation message), 가맹점 디지털 서명(a merchant digital signature), 수용 은행(an acquiring bank)으로부터의 디지털 인증서(a digital certificate)를 포함하는 가맹점 메시지를 전송하는 단계―상기 지갑 개시 메시지는 지불 금액(a payment amount), 주문 내용(an order description), 타임스탬프(a timestamp)를 포함함―와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램(a consumer's wallet program)을 시작하는 단계와,소비자 신원, 인증 정보, 상기 가맹점 메시지를 상기 소비자의 컴퓨터로부터 발행 은행을 위한 발행자 게이트웨이(an issuer gateway)로 전송하는 단계―상기 발행 은행은 신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 상기 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 상기 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 상기 발행자 게이트웨이로 출력함―와,상기 발행자 게이트웨이에서 상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있음을 증명하고, 상기 발행자 게이트에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여 상기 가맹점과 발행자가 공통의 금융 협정(a common financial arrangement)을 공유하고 있음을 증명하는 단계를 포함하며,상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장(ensure)한 후, 상기 인터넷 네트워크를 통해 인증 토큰(an authorization token), 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드(credit or debit card) 번호에 대한 참조(a reference)를 상기 소비자에게 전송함으로써 지불을 인증하고, 상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스(a random nonce) 및 가맹점 식별자(a merchant identifier), 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키는(fulfill)전자 상거래 방법.
- 제 1 항에 있어서,상기 소비자의 컴퓨터로부터 상기 인터넷 네트워크를 통하여 상기 가맹점의 컴퓨터로 시작 메시지(a start message)를 전송하여 상기 가맹점의 메시지를 개시하는 단계를 더 포함하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 가맹점의 컴퓨터는상기 인증 토큰을 수신하는 단계와,상기 인증 토큰 내의 상기 발행자의 서명, 디지털 인증서, 지불 금액, 가맹점 신원을 검증하는 단계와,상기 인증 토큰 내의 상기 타임스탬프를 통해 상기 인증 토큰의 새로움(freshness)을 검증하는 단계와,상기 인증 토큰 내의 상기 넌스를 이용하여 중복 토큰(duplicate tokens)을 인식하는 단계와,상기 주문 내용을 충족시키는 단계를 더 수행하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 신용 카드에 대한 상기 참조는 상기 발행 은행에서 실제 카드 번호에 맵핑(mapping)되는 별칭 카드 번호(an alias card number)로서 상기 인증 토큰 없이 상기 소비자의 신용 카드 번호를 사용하는 것을 방지하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 카드에 대한 상기 참조는 상기 발행자 게이트웨이에 의해 각각의 인증에 대해 고유하게 할당된 인증 번호로서, 이 인용 번호를 포착 메시지(a capture message) 내에서 수용자 게이트웨이(an acquirer gateway)에 의해 상기 발행 은행으로 돌려 보내지도록 하되, 상기 발행 은행은 인증 번호를 카드 번호로 맵핑하는 데이터베이스를 유지하여 상기 발행 은행이 상기 포착 메시지를 수신할 때 상기 데이터베이스 맵핑을 이용해서 상기 소비자의 카드 번호를 판단하도록 하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 인증 토큰은 다수의 발행 은행 중 적절한 하나로 지불을 라우팅(routing)하는 데 사용되는 더미 카드 번호(a dummy card number)를 포함하되, 상기 더미 카드 번호는 특정 발행 은행의 모든 카드 소지자 사이에서 공유되는 전자 상거래 방법.
- 제 1 항에 있어서,발행 은행, 수용 은행, 가맹점을 커버하는 디지털 인증서 계층(a digital certificate hierarchy)을 더 포함하는 전자 상거래 방법.
- 제 7 항에 있어서,상기 인증서 계층은 공개키 디지털 서명(public-key digital signatures)과 함께 사용되어 상기 가맹점과 상기 발행 은행을 식별하는 전자 상거래 방법.
- 제 8 항에 있어서,상기 인증서는 상기 가맹점과 상기 발행 은행 사이의 공통의 금융 협정과 의무를 나타내는 전자 상거래 방법.
- 제 9 항에 있어서,상기 발행 은행 인증서는 가맹점에게 발행 은행을 식별해주고 또한 인증하는 것을 도와줘서, 상기 가맹점이 상기 발행 은행에 의해 제공된 상기 인증 토큰을 신뢰할 기반을 제공하는 전자 상거래 방법.
- 제 10 항에 있어서,수용 은행 인증서와 가맹점 인증서는 발행 은행에게 상기 수용 은행과 상기 가맹점을 식별해주고 또한 인증하는 것을 도와주며, 상기 가맹점 인증서는 상기 발행 은행이 상기 인증 토큰을 제공하기 전에 상기 소비자에게 상기 가맹점을 식별해주고, 상기 가맹점이 지불 방안(a payment scheme)의 유효한 참가자라는 것을 검증하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 가맹점과 발행자 게이트웨이 사이의 추가 메시지 상호작용(an additional message interaction)에 의해 분할 출하(split shipments)가 지원되며, 이 추가 메시지 상호 작용은,상기 가맹점이 상기 발행자의 디지털 인증서에서 식별된 상기 발행자 게이트웨이로 최초 지불 금액과 같은 세부적인 분할 요건을 포함하는 인증 토큰을 전송하되, 상기 가맹점은 상기 요청에 서명하고 상기 가맹점의 디지털 인증서를 포함시킴으로써 상기 요청을 인증하는 단계와,상기 발행자 게이트웨이가 메시지에 서명한 상기 가맹점이 원래 요청에 서명한 가맹점과 동일인임을 검증하고, 사업 및 위험 관리 방침(business and risk management policies)에 따라 분할 요청을 검증하며, 상기 가맹점으로의 메시지 내의 새로운 인증 토큰으로 응답하는 단계와,상기 가맹점이 포착 메시지(a capture message) 내에서 상기 새로운 인증 토큰을 상기 발행자 게이트웨이로 전송하는 단계와,상기 가맹점이 상기 출하의 제 2 부분을 출하할 때마다 제 2 메시지 내에서 새로운 인증 토큰을 상기 발행자 게이트웨이로 재전송하는 단계를 포함하는 전자 상거래 방법.
- 제 1 항에 있어서,상기 발행자가 상기 가맹점의 디지털 인증서로부터의 상기 가맹점 이름과 상기 개시 메시지로부터의 상기 지불 금액에 따른 지불 스케쥴을 상기 소비자에게 제공하는 전자 상거래 방법.
- 가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 접속 장치―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,인터넷을 통해 소비자의 컴퓨터로 지갑 개시 메시지, 가맹점 디지털 서명, 수용 은행으로부터의 디지털 인증서를 포함하는 가맹점 메시지를 전송하는 가맹점의 컴퓨터 ― 상기 지갑 개시 메시지는 지불 금액, 주문 내용, 타임스탬프를 포함함 ― 와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터로부터 소비자 신원, 인증 정보, 상기 가맹점 메시지를 발행 은행을 위한 발행자 게이트웨이로 전송하는 상기 소비자의 컴퓨터 내의 소비자의 지갑 프로그램과,신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력하는 발행 은행과,상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있음을 증명하고, 상기 발행자 게이트에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여 상기 가맹점과 발행자가 공통의 금융 협정을 공유하고 있음을 증명하는 발행자 게이트웨이를 포함하되,상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장한 후, 상기 인터넷 네트워크를 통해 인증 토큰, 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 전송함으로써 지불을 인증하고,상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스 및 가맹점 식별자, 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키며,상기 가맹점은 상기 소비자의 카드 번호를 나타내는 참조 번호를 포함하는 포착 요청 메시지를 인터넷을 통해, 수용자 은행을 대신하여 거래를 포착하고 가맹점에게 지불금을 지급하도록 동작하는 수용자 게이트웨이로 전송하는전자 상거래 시스템.
- 가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 컴퓨터 프로그램 코드 수단―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―과,가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지, 가맹점 디지털 서명, 수용 은행으로부터의 디지털 인증서를 포함하는 가맹점 메시지를 전송하는 컴퓨터 프로그램 코드 수단―상기 지갑 개시 메시지는 지불 금액, 주문 내용, 타임스탬프를 포함함―과,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램을 시작하는 컴퓨터 프로그램 코드 수단과,상기 소비자의 컴퓨터로부터 소비자 신원, 인증 정보, 상기 가맹점 메시지를 발행 은행을 위한 발행자 게이트웨이로 전송하는 컴퓨터 프로그램 코드 수단과,상기 발행 은행에서 신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력하는 컴퓨터 프로그램 코드 수단과,상기 발행자 게이트웨이에서 상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있음을 증명하고, 상기 발행자 게이트에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여 상기 가맹점과 발행자가 공통의 금융 협정을 공유하고 있음을 증명하는 컴퓨터 프로그램 코드 수단과,상기 수용 은행에서 소비자의 카드 번호에 대한 참조 번호를 포함하는 정산 메시지를 전송함으로써 사설 네트워크를 통해 상기 발행 은행과 계좌를 정산하는 프로그램 코드 수단을 포함하되,상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장한 후, 상기 인터넷 네트워크를 통해 인증 토큰, 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 전송함으로써 지불을 인증하고,상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스 및 가맹점 식별자, 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키는컴퓨터 판독가능한 기록 매체.
- 가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 접속 장치―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지, 가맹점 디지털 서명, 수용 은행으로부터의 디지털 인증서를 포함하는 가맹점 메시지를 전송하는 전송 장치―상기 지갑 개시 메시지는 지불 금액, 주문 내용, 타임스탬프를 포함함―와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램을 시작하는 수단과,상기 소비자의 컴퓨터로부터 소비자 신원, 인증 정보, 상기 가맹점 메시지를 발행 은행을 위한 발행자 게이트웨이로 전송하는 수단과,신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력하는 발행 은행과,상기 발행자 게이트웨이에서 상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있음을 증명하고, 상기 발행자 게이트에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여 상기 가맹점과 발행자가 공통의 금융 협정을 공유하고 있음을 확인하는 수단을 포함하되,상기 발행자 게이트웨이는 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장한 후, 상기 인터넷 네트워크를 통해 인증 토큰, 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드번호에 대한 참조를 전송함으로써 지불을 인증하고,상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스 및 가맹점 식별자, 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키며,상기 발행 은행은 상기 참조 번호를 상기 소비자의 카드 번호로 변환하고 거래 금액을 그 소비자의 신용 카드 또는 예금 계좌 내의 잔액에 적용하는전자 상거래를 위한 데이터 처리 시스템.
- 전자 상거래 방법에 있어서,가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 단계―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지, 가맹점 디지털 서명, 수용 은행으로부터의 디지털 인증서를 포함하는 가맹점 메시지를 전송하는 단계―상기 지갑 개시 메시지는 지불 금액, 주문 내용, 타임스탬프를 포함하고, 상기 수용 은행의 디지털 인증서는 인터넷 네트워크를 통해 지불 프로토콜의 일부로서 접속하는 상기 수용 은행의 네트워크 위치를 식별하는 네트워크 어드레스 또는 URL을 포함함―와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램을 시작하는 단계와,상기 소비자의 컴퓨터로부터 소비자 신원, 인증 정보, 상기 가맹점 메시지를 발행 은행을 위한 발행자 게이트웨이로 전송하는 단계―상기 발행 은행은 신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력함―와,상기 발행자 게이트웨이에서 상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있음을 증명하고, 상기 발행자 게이트에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여 상기 가맹점과 발행자가 공통의 금융 협정을 공유하고 있음을 확인하는 단계를 포함하되,상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장한 후, 상기 인터넷 네트워크를 통해 인증 토큰, 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드번호에 대한 참조를 전송함으로써 지불을 인증하고,상기 발행자의 디지털 인증서는 지불 프로토콜의 일부로서 인터넷 네트워크를 통해 접촉되는 상기 발행자의 네트워크 위치를 식별하는 네트워크 어드레스 또는 URL을 포함하며,상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스 및 가맹점 식별자, 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하고,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키며,상기 가맹점은 상기 소비자의 카드 번호를 나타내는 참조 번호를 포함하는 포착 요청 메시지를 인터넷을 통해, 수용자 은행을 대신하여 거래를 포착하고 가맹점에 지불금을 지급하도록 동작하는 수용자 게이트웨이로 전송하며,상기 수용 은행은 소비자의 카드 번호에 대한 참조 번호를 포함하는 정산 메시지를 전송함으로써 사설 네트워크를 통해 상기 발행 은행과 계좌를 정산하며,상기 발행 은행은 상기 참조 번호를 상기 소비자의 카드 번호로 변환하고 거래 금액을 소비자의 신용 카드 또는 예금 계좌 내의 잔액에 적용하는전자 상거래 방법.
- 전자 상거래 방법에 있어서,가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 단계―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,소비자의 컴퓨터로부터 발행 은행을 위한 발행자 게이트웨이로 소비자 신원, 인증 정보, 지불 금액, 주문 내용, 타임 스탬프, 가맹점을 나타내는 디지털 인증서, 상기 가맹점의 수용 은행을 나타내는 디지털 인증서를 포함하는 인증 요청 메시지를 전송하되, 상기 가맹점의 디지털 인증서는 상기 수용 은행에 대해 고유한 가맹점 식별자를 포함하고, 상기 수용 은행의 디지털 인증서는 공통의 금융 협정을 공유하는 모든 은행 사이에서 고유한 은행 식별자를 포함하는 단계와,상기 발행자 게이트웨이에서 상기 가맹점의 인증서와 상기 수용자의 인증서를 확인하여, 상기 가맹점, 상기 수용자, 상기 발행자가 공통의 금융 협정을 공유하고 있다는 것을 증명하는 단계를 포함하되,상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장한 후, 상기 인터넷 네트워크를 통해 인증 토큰, 발행자의 디지털 인증서, 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 전송함으로써 지불을 인증하고,상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스, 가맹점의 디지털 인증서로부터의 가맹점 식별자, 상기 수용 은행의 디지털 인증서로부터의 수용 은행 식별자 및 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며,상기 인증 토큰은 상기 발행 은행에 의해 디지털 서명되고,상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시키며,상기 가맹점은 상기 소비자의 카드 번호를 나타내는 참조 번호를 포함하는 포착 요청 메시지를 인터넷을 통해, 수용자 은행을 대신하여 거래를 포착하고 가맹점에 지불금을 지급하도록 동작하는 수용자 게이트웨이로 전송하며,상기 수용 은행은 상기 소비자의 카드 번호에 대한 참조 번호를 포함하는 정산 메시지를 전송함으로써 사설 네트워크를 통해 상기 발행 은행과 계좌를 정산하며,상기 발행 은행은 상기 참조 번호를 상기 소비자의 카드 번호로 변환하고 거래 금액을 상기 소비자의 신용 카드 또는 예금 계좌 내의 잔액에 적용하는전자 상거래 방법.
- 제 18 항에 있어서,상기 가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지, 가맹점 디지털 인증서, 수용 은행으로부터의 디지털 인증서를 포함하는 가맹점 메시지를 전송하되, 상기 지갑 개시 메시지는 지불 금액, 주문 내용, 타임스탬프를 포함하는 단계와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램을 시작하는 단계를 더 포함하되,상기 소비자의 지갑 프로그램은 상기 인증 요청 메시지를 전송하는전자 상거래 방법.
- 제 19 항에 있어서,상기 지갑 개시 메시지와 함께 상기 지갑 개시 메시지의 가맹점의 디지털 서명을 포함하는 단계와,상기 인증 요청 메시지 내에 상기 지갑 개시 메시지와 상기 가맹점의 디지털 서명을 포함하는 단계와,상기 발행자 게이트웨이에서 상기 가맹점의 서명을 검증하여 상기 소비자가 실제 가맹점과 거래하고 있다는 것을 증명하는 단계를 더 포함하는 전자 상거래 방법.
- 제 20 항에 있어서,상기 소비자의 컴퓨터로부터 상기 인터넷 네트워크를 통해 상기 가맹점의 컴퓨터로 시작 메시지를 전송하여 상기 가맹점의 메시지를 개시하는 단계를 더 포함하는 전자 상거래 방법.
- 제 18 항에 있어서,상기 가맹점은 상기 고객 참조 번호와 지불 금액을 상기 수용 은행으로 전달함으로써 상기 수용 은행을 통한 지불을 요구하는 전자 상거래 방법.
- 제 22 항에 있어서,이후에 분쟁이 생기는 경우, 상기 가맹점은 상기 인증 토큰과 발행자의 디지털 서명의 복사본을 상기 수용 은행에 제출함으로써 지불 인증을 증명하는 전자 상거래 방법.
- 제 18 항에 있어서,상기 가맹점은 상기 인증 토큰과 발행자의 디지털 서명을 상기 수용 은행으로 전송함으로써 상기 수용 은행을 통한 지불을 요구하되,상기 수용 은행은 상기 인증 토큰 상의 상기 발행자의 서명을 검증하고, 상기 발행자의 디지털 인증서를 확인하며, 상기 인증 토큰 내의 상기 타임스탬프를 통해 중복을 조사하고, 상기 인증 토큰 내에 표시된 금액을 지불하는 전자 상거래 방법.
- 제 18 항에 있어서,상기 인증 요청 메시지와 인증 토큰은 실제 주문 내용 대신 주문 내용의 해쉬(a hash)를 포함할 수 있으며, 주문 내용 자체는 상기 가맹점 측에서 별도로 이용가능하고, 상기 가맹점은 상기 인증 토큰 내의 상기 주문 내용의 상기 해쉬와 동일한 주문 내용의 로컬 계산된 해쉬(a locally-computed hash)를 비교함으로써 상기 인증 토큰이 동일한 주문 내용을 가리킨다는 것을 확인하는 전자 상거래 방법.
- 제 18 항에 있어서,상기 신용 카드에 대한 상기 참조는 소비자 신용 또는 직불 계좌 번호인 전자 상거래 방법.
- 제 26 항에 있어서,상기 신용 또는 직불 계좌 번호에 대한 기밀성(confidentiality)은 암호화된 전자 우편이나 SSL과 같은 고수준 보안 프로토콜을 이용하여 유지되어, 상기 소비자와 상기 발행자 게이트웨이, 상기 소비자와 가맹점, 상기 발행자 게이트웨이와 가맹점, 가능하다면, 상기 가맹점과 상기 수용자 사이의 통신을 보호하는 전자 상거래 방법.
- 가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 단계―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―와,가맹점의 컴퓨터로부터 인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지(a wallet initiation message), 수용 은행에 의해 제공되는 가맹점의 디지털 인증서(a digital certificate)를 포함하는 가맹점 메시지를 전송하는 단계―상기 지갑 개시 메시지는 지불 금액(a payment amount), 주문 내용(an order description), 가맹점 식별자, 타임스탬프(a timestamp)를 포함함―와,상기 지갑 개시 메시지에 응답하여 상기 소비자의 컴퓨터에서 소비자의 지갑 프로그램(a consumer's wallet program)을 시작하는 단계와,소비자 신원, 인증 정보, 상기 가맹점 메시지를 상기 소비자의 컴퓨터로부터 발행 은행을 위한 발행자 게이트웨이(an issuer gateway)로 전송하는 단계―상기 발행 은행은 신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력함―와,상기 발행자 게이트웨이에서 상기 가맹점과 발행자가 공통의 금융 협정(a common financial arrangement)을 공유하고 있음을 증명하는 단계―상기 발행자 게이트웨이는 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장(ensure)한 후, 상기 인터넷 네트워크를 통해 인증 토큰(an authorization token), 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드(credit or debit card) 번호에 대한 참조(a reference)를 전송함으로써 지불을 인증하고, 상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스(a random nonce) 및 가맹점 식별자(a merchant identifier), 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하며, 상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시킴―와,상기 소비자의 카드 번호를 나타내는 참조 번호를 포함하는 포착 요청 메시지를 가맹점으로부터 인터넷을 통해, 수용자 은행을 대신하여 거래를 포착하고 가맹점에 지불금을 지급하도록 동작하는 수용자 게이트웨이로 전송하는 단계를 포함하는전자 상거래 방법.
- 가맹점의 컴퓨터에 결합되고 발행자 게이트웨이를 거쳐 발행 은행 컴퓨터에 결합되는 소비자의 컴퓨터를 포함하는 전자 판매를 위한 4자간 지불 프로토콜을 형성하는 수단―상기 가맹점의 컴퓨터는 또한 수용 은행 컴퓨터에도 결합됨―과,인터넷 네트워크를 통해 소비자의 컴퓨터로 지갑 개시 메시지(a wallet initiation message), 수용 은행에 의해 제공되는 가맹점의 디지털 인증서(a digital certificate)를 포함하는 가맹점 메시지를 전송하는 가맹점의 컴퓨터―상기 지갑 개시 메시지는 지불 금액(a payment amount), 주문 내용(an order description), 가맹점 식별자, 타임스탬프(a timestamp)를 포함함―와,상기 지갑 개시 메시지에 응답하여, 상기 소비자의 컴퓨터로부터 소비자 신원, 인증 정보, 상기 가맹점 메시지를 발행 은행을 위한 발행자 게이트웨이(an issuer gateway)로 전송하는 상기 소비자의 컴퓨터 내의 소비자의 지갑 프로그램(a consumer's wallet program)과,신용 카드 또는 직불 카드 번호의 테이블과 이에 대응하는 참조 번호의 테이블을 마련함으로써 소비자의 신용 카드 또는 직불 카드 번호를 나타내는 참조 번호 또는 값을 생성하고, 소비자의 카드 번호를 선택된 참조 번호와 한 쌍을 이루게 하여 그 참조 번호를 발행자 게이트웨이로 출력하는 발행 은행과,상기 가맹점과 발행자가 공통의 금융 협정(a common financial arrangement)을 공유하고 있음을 검증하며, 상기 소비자의 계좌를 확인하고, 자금 및/또는 신용이 상기 지불 금액을 지원할 수 있다는 것을 보장(ensure)한 후, 상기 인터넷 네트워크를 통해 인증 토큰(an authorization token), 발행자의 디지털 인증서, 상기 지갑 개시 메시지, 상기 소비자의 신용 또는 직불 카드(credit or debit card) 번호에 대한 참조(a reference)를 전송함으로써 지불을 인증하는 발행자 게이트웨이―상기 인증 토큰은 상기 지불 금액, 주문 내용, 타임스탬프, 임의의 넌스(a random nonce) 및 가맹점 식별자(a merchant identifier), 상기 소비자의 신용 또는 직불 카드 번호에 대한 참조를 포함하고, 상기 가맹점의 컴퓨터는 상기 인증 토큰을 수신하고 상기 주문 내용을 충족시킴(fulfill)―와,상기 소비자의 카드 번호에 대한 참조 번호를 포함하는 정산 메시지를 전송함으로써 상기 수용 은행에 의해 사설 네트워크를 통해 상기 발행 은행과 계좌를 정산하는 정산 장치를 포함하는전자 상거래 시스템.
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US9/221,869 | 1998-12-29 |
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KR20000048436A KR20000048436A (ko) | 2000-07-25 |
KR100349779B1 true KR100349779B1 (ko) | 2002-08-22 |
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KR1019990063175A KR100349779B1 (ko) | 1998-12-29 | 1999-12-28 | 전자 상거래를 위한 방법, 시스템, 기록 매체, 데이터 처리 시스템 |
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US9466055B2 (en) | 2011-02-18 | 2016-10-11 | Cake Corporation | Facilitating online to offline commerce |
US10740739B2 (en) | 2011-02-18 | 2020-08-11 | Cake Corporation | Facilitating online to offline commerce |
Also Published As
Publication number | Publication date |
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USRE40444E1 (en) | 2008-07-29 |
KR20000048436A (ko) | 2000-07-25 |
EP1017030A3 (en) | 2003-12-03 |
JP2000194770A (ja) | 2000-07-14 |
EP1017030A2 (en) | 2000-07-05 |
US6327578B1 (en) | 2001-12-04 |
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