KR100509027B1 - Method and system for providing a cyber affiliated card to a master credit card - Google Patents

Abstract

The present invention relates to a method and a system for providing a cyber partition card, comprising: a credit card number and an account number for the use of a cyber partition card from a master who applied for issuance of a cyber partition card, and a credit card number and the account number; Receive the data (name and social security number, etc.) containing the personal information of the third-party clients (slaves) to use, refer to the received data to the card company that issued the payment credit card for the split card issuance If it is determined that issuance examination is requested by issuing an inquiry, issuing a plurality of cyber partition cards requested by the client (master) to enable the clients (slaves) provided with the partition card from the client (master) to use on the Internet The payment for the split card used by the third clients may be performed by the cyber split card. The payment is made through the credit card of the master who applied for issuance, and the issue application client (master) of the cyber divider card is the age of a third client who will use the cyber divider card (in case of minor) The present invention relates to a method and a system for setting a website which is accessible or unavailable (not available) at the time of issuing a split card and regulating and monitoring the use of the split card on the Internet of the user (minor).

Description

Method and system for providing a cyber partition card {Method and system for providing a cyber affiliated card to a master credit card}

The present invention relates to a method and a system for providing a cyber partition card on the Internet. The present invention relates to a credit card number and an account number for paying for the future use of a cyber partition card from a master who applied for issuance of a cyber partition card. Receive the data (name and social security number, etc.) containing the personal information of the third clients (slaves) who will use the split card, and issue the split card to the card company that issued the payment credit card with reference to the received data. If it is determined that the issuance examination is requested by requesting the inquiry, the client (slaves) receiving the partition card from the master (master) can be used on the Internet by issuing a plurality of cyber partition cards requested by the client (master). Payment for the split card used by the third clients The payment is made through the credit card of the master who applied for issuing a burr divider card, and the master issuing client of the cyber divider card has an age of a third client who will use the cyber divider card. A method and system for setting a website which is accessible or unavailable (not available) at the time of issuing a split card and regulating and monitoring a user's (minor) 's indiscriminate use of the split card on the Internet.

A credit card is a means of being used in a credit sales system that allows a payment of goods or services after a certain period of time, and is a beneficial invention that can replace the inconvenience of using existing money. The term credit card is a payment method for the purchase and consumption of all the necessities of life without money, through Edward Bellami's book, `` Looking Backward, '' 1888. Was first introduced. The history of credit cards began to develop in the United States, and from around 1900 it changed from traveler's letter of credit (Traveler's L / C) to traveler's checks, from traveler's checks to credit cards or credit coins. During the Great Depression and World War II, the country entered a recession. The Diners Club was founded in 1951, American Express in 1958, and Carte Blanche in 1959. The banks were Franklin National Bank in 1951, In 1959, the Bank of America issued a multipurpose card, Bank Americard (currently Visa Card). The history of credit cards has gone through several stages of development since then.

In July 1969, Shinsegae Department Store issued cards to employees of Samsung Group affiliates.In 1970, Chosun Hotel issued membership cards in 1974, Midopa Department Store in 1974, and Lotte Department Store in 1979. In 1978, Korean Express was the first professional credit card company with a very limited number of merchants.

When the offline credit card was established to some extent, a new means of changing the life of the Internet was born. Also, the rapid development of the Internet brought the credit card and other payment methods into the Internet. In addition, e-commerce that buys and sells desired products through the Internet or uses paid contents is rapidly being activated and credit card payments and other electronic payment methods online have appeared in various forms.

Recently, as a means for electronic payment on the Internet, electronic money, which can be embedded in monetary value, has been introduced and used in advance of the existing payment function. In the definition of electronic money, the European Central Bank defines it as a prepaid means of payment, which electronically stores the value of money so that it can be used for payment of general transactions without necessarily being linked to a bank account. In addition, electronic money is issued in exchange for cash, deposits, etc. and has value in an electronic form consisting of a combination of 0's and 1's. It can be divided into two types of network, which transfer funds electronically from its own deposit account through the network.

The IC card type is an integrated circuit (IC) in the existing plastic card to store the monetary value, such as Mondex (K-Cash), Visa Cash (Visacash).

The Mondex card is an open electronic money that can be used until it is repaid to the issuer and can be transferred between individuals like cash. In Korea, Mondex Korea and Kookmin Bank are issued in partnership. If issued, the limit is about 200,000 won.

K-Cash is a closed electronic money that can be used once until the value stored in the electronic wallet is repaid to the issuer. It is a Korean electronic money currently being promoted by financial institutions in Korea. It is issued under the real name within the limit of 10,000 won and when the buyer uses it, the settlement is made by the interbank difference payment method in the bank deposit account of the Bank of Korea through the financial co-operation network of the KFTC.

Most of the network type is issued by non-financial institutions such as Internet companies, and it is a closed-type micro-currency payment system that is used only online. You can directly purchase electronic money with an electronic account number or download software in the form of an electronic wallet. After installation, it can be credited to your bank transfer via an online connection with your bank.

Major operators include Cyberpass of Dacom Cyberpass (www.cyberpass.com), Inicard of Inicis (www.inicis.com), and Ecoin (Ecoin (www.ecoin.co.kr) Coin), Anycard (www.anycard.co.kr), I-mint of Nanum Technology (www.imint.co.kr), Windsoft (Korea Information and Communications) Easycash on www.easycash.co.kr, Webmoney on SOK (www.webmoney.ne.kr) and iCash on iCash (www.icash.co.kr) cash).

However, the biggest problem of the above methods is that a credit card on the Internet (digital credit card) can only make one per credit card, so clients without credit cards are difficult to purchase using a digital credit card on the Internet. have.

In addition, the credit card is not allowed for minors who are not legal adults yet, and it is true that certain age groups (juveniles) who have tremendous purchasing power are exempt from using the card on the Internet. It is not uncommon to get electronic money or to sign up for harmful information websites and to use the Internet indiscriminately by taking out card information and spending it or stealing a social security number such as a parent.

The present invention relates to a method and a system for providing a cyber partition card on the Internet. Receive the data (name and social security number, etc.) containing the personal information of the third clients (slaves) who will use the split card, and issue the split card to the card company that issued the payment credit card with reference to the received data. If it is determined that the issuance examination is requested by requesting the inquiry, the client (slaves) receiving the partition card from the master (master) can be used on the Internet by issuing a plurality of cyber partition cards requested by the client (master). Payment for the split card used by the third clients The payment is made through the credit card of the master who applied for issuing a burr divider card, and the master issuing client of the cyber divider card has an age of a third client who will use the cyber divider card. In the case of minors), a website and a website which are accessible or unavailable (not available) are determined at the time of issuing a split card, and a method and system are provided for regulating and monitoring a user's (minor) 's indiscriminate use of the split card on the Internet.

Another object of the present invention is a method of issuing a cyber divider card through a web server and making payment with only a web server and a credit card company without the intervention of a payment gateway (PG), and a credit card company having a credit card holding client ( At the request of a master, a cyber divider card is issued directly and payment is made through the payment agency (PG), and the credit card company issues a cyber divider card directly and the payment agent (PG) intervenes. How to make a payment without payment, issue a cyber divide card through a web server, and make a payment through a payment agency and a credit card company without involvement of a web server in the payment process, and issue a cyber divide card through a web server It provides a method of making a payment only by a credit card company without the involvement of a server and a payment agency (PG).

The present invention relates to a method and a system for providing a cyber partition card on the Internet. Receive the data (name and social security number, etc.) containing the personal information of the third clients (slaves) who will use the split card, and issue the split card to the card company that issued the payment credit card with reference to the received data. If it is determined that the issuance examination is requested by requesting the inquiry, the client (slaves) receiving the partition card from the master (master) can be used on the Internet by issuing a plurality of cyber partition cards requested by the client (master). Payment for the split card used by the third clients The payment is made through the credit card of the master who applied for issuing a burr divider card, and the master issuing client of the cyber divider card has an age of a third client who will use the cyber divider card. A method and system for setting a website which is accessible or unavailable (not available) at the time of issuing a split card and regulating and monitoring a user's (minor) 's indiscriminate use of the split card on the Internet.

The present invention relates to a method for providing a cyber partition card on the Internet, wherein a network component for providing a cyber partition card is largely a web server for issuing and managing the cyber partition card, and applying for the cyber partition card from the web server on the Internet. And a client to be used, a credit card issuing company of the credit card that the client applying for the split card, a website for supplying goods to the client on the Internet (internet shopping mall, etc.), and an authorization request located between the internet shopping mall and the web server It can be classified as a payment gateway (PG) that facilitates overpayment, and it relates to a method of allowing a client to issue or use a cyber partition card through an organic combination of these components on the Internet.

The credit card company is a card company that issues a credit card of a client applying for the cyber partition card, and enables payment for the use of the cyber partition card issued through the credit card, and the web server allows the cyber partition card. When issuing issuance, it approves issuance by determining suitability (limit, expiration date, credit rating, etc.) for the payment credit card.

The client requests a cyber partition card for a third client (family, relative, etc.) through a web server, provides a cyber partition card issued on the Internet to the third client, and uses the cyber partition card. You pay for your use of your credit card. In addition, if the third client who will use the divider card is a minor, a website or paid content which is available or accessible (not available) at the time of issuance of the divider card is determined so that the minor client can access harmful information or other adult-only websites. Can be prevented.

The third client (slave client) is a client who actually uses the cyber partition card. The third client (slave client) uses the cyber partition card in order to purchase goods or use paid contents from an internet shopping mall or other website (in partnership with the web server). And subject to general electronic commerce in which the present invention is incorporated.

The present invention can be divided into two types according to the cyber split card issuing agency, and in the case of payment processing using the cyber split card, it can be divided into a total of six cases depending on the nature of the agency acting as a relay. It is stated.

Issuing a cyber divider card through a web server and paying with only the web server and credit card company without the intervention of payment gateway (PG), and the credit card company directly at the request of the credit card holder client (master) A method of issuing a cyber split card and paying for the use of the split card through a payment agency (PG), a credit card company issuing a cyber split card directly, and making a payment without the involvement of a payment agency (PG); How to issue cyber divider card through web server and make payment through payment agency and credit card company without intervention of web server in payment process, issue cyber divide card through web server, web server and payment agency (PG) It provides a way to make a payment only with a credit card company without intervention.

First, a method of issuing a cyber divider card through a web server and payment of the cyber divide card using only a web server and a credit card company without the involvement of a payment gateway (PG; Payment Gateway),

Receiving credit card information data owned by the master and the slave client information data from the master client, transmitting the received data to the credit card issuing card company server, and authorizing inquiry result for issuing the cyber partition card from the card company server Receiving data, and if the issuance of the cyber partition card is confirmed to the master client according to the inquiry result, issuing and providing the cyber partition card as many as the number requested by the master client to the master client; Generating cyber partition card information data for each slave client by cooperatively processing the slave client information data previously received from a master client and the issued cyber partition card data; and the generated slot By storing the cyber split card information data for the Rave client in the database in conjunction with the master client credit card information data, a plurality of cyber split cards are issued using a single credit card of the master client.

When the cyber split card is used on the Internet by the slave client provided with the cyber split card, the cyber split card may be displayed in a card information input window (or a web browser) provided by an internet website requiring the payment process. Inputting information data, transmitting the cyber partition card information data from the website to the web server that issued the cyber partition card, to the cyber server and the web server received by the web server Comparing and analyzing the previously stored cyber partition card information data for the slave client; extracting the master client credit card information data interworked with the cyber partition card information data according to the comparison and analysis result; Said master cliche Sending credit card information data to the card company server and obtaining a payment authorization from the card company server through the master card of the credit client to the web server and the credit card company without the intervention of a payment gateway (PG). It provides a way for payment to be made.

Secondly, the cyber partition card is issued through a web server, and the payment method of the cyber partition card is performed through a payment gateway (PG; payment gateway) and a web server and a credit card company server.

From the step of receiving the own credit card information data and the slave client information data from the master client to the step of storing the cyber partition card information data for the slave client in the database in conjunction with the master client credit card information data from the first In the same manner as the above method, the payment gateway or credit card inquiry service provider stores the cyber partition card information data for the slave client linked to the master client credit card information data stored in the database. And a plurality of cyber partition cards are issued using a single credit card of the master client through each of the steps.

When the cyber partition card is used on the Internet of the slave client provided with the cyber partition card, the payment processing process may be performed.

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; and transmitting the cyber partition card information data from the website to the payment agent. Or transmitting the cyber partition card information data and the cyber partition card received to the payment gateway or the value card network, to the credit card value-added network. Comparing and analyzing the cyber split card information data for the slave client previously transmitted and stored by the issued web server, and the master client credit card information interworked with the cyber split card information data according to the comparison and analysis result. Extracting data and the extracted master A method of making a payment through a relay of a payment gateway (PG) through transmitting client credit card information data to the card company server and obtaining a payment approval from the card company server through a credit card of the master client. do.

In addition, the second payment processing method,

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; and transmitting the cyber partition card information data from the website to the payment agent. Or transmitting the cyber partition card information data and the cyber partition card received to the payment gateway or the value card network, to the credit card value-added network. Comparing and analyzing the cyber partition card information data for the slave client previously transmitted and stored by the issued web server, and inquiring whether to approve the electronic commerce using the cyber partition card with reference to the comparison and analysis result. Step, the payment gateway or credit card query operator (Va transmitting the cyber partition card information data from the lue-added network to the web server that issued the cyber partition card, and the cyber partition card information data received by the web server and the slave previously stored in the web server. Comparing and analyzing the client's cyber partition card information data; extracting the master client credit card information data interworked with the cyber partition card information data according to the comparison and analysis result; and extracting the extracted master client credit data. A method of making a payment through a relay between a payment gateway (PG) and a web server through transmitting card information data to the card company server and obtaining a payment authorization from the card company server through a credit card of the master client. to provide.

Thirdly, a method of issuing a cyber divider card through a web server and payment of the cyber divider card using only a credit card company without involvement of a web server and a payment gateway (PG),

From the step of receiving the own credit card information data and the slave client information data from the master client to the step of storing the cyber partition card information data for the slave client in the database in conjunction with the master client credit card information data from the first In the same manner as the above method, the method further comprises the step of transmitting to the card company server the cyber partition card information data for the slave client linked to the master client credit card information data stored in the database. Through each of the steps to receive a plurality of cyber divider card using a single credit card of the master client,

When the cyber split card is used on the Internet of the slave client provided with the cyber split card, the payment processing process is performed.

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; transmitting the cyber partition card information data from the website to the card company server And comparing and analyzing the cyber partition card information data received by the card company server with the cyber partition card information data for the slave client previously transmitted and stored in the web server that issued the cyber partition card. Extracting the master client credit card information data interworked with the cyber partition card information data according to an analysis result, and obtaining payment approval through the extracted credit card of the master client; Agency (PG; Payment Gateway) There is provided a method payment made without the involvement of only credit card company server.

Fourth, a method of issuing a cyber divider card through a web server and payment of the cyber divider card through a relay of a payment gateway (PG),

From the step of receiving the own credit card information data and the slave client information data from the master client to the step of storing the cyber partition card information data for the slave client in the database in conjunction with the master client credit card information data from the first In the same manner as in the above method, the credit card information server for the slave client linked to the master client credit card information data stored in the database is stored in the card company server, the payment gateway or the credit card inquiry service provider ( And a plurality of cyber partition cards using a single credit card of the master client through each of the steps. Receive rapid and

When the cyber split card is used on the Internet of the slave client provided with the cyber split card, the payment processing process is performed.

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; and transmitting the cyber partition card information data from the website to the payment agent. Or transmitting the cyber partition card information data and the cyber partition card received to the payment gateway or the value card network, to the credit card value-added network. Comparing and analyzing the cyber split card information data for the slave client previously transmitted and stored by the issued web server, and the master client credit card information interworked with the cyber split card information data according to the comparison and analysis result. Extracting data and the extracted master A method of making a payment through a relay of a payment gateway (PG) by transmitting client credit card information data to the card company server and obtaining a payment approval from the card company server through a credit card of the master client. to provide.

In addition, the fourth payment processing method,

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; and transmitting the cyber partition card information data from the website to the payment agent. Or transmitting the cyber partition card information data and the cyber partition card received to the payment gateway or the value card network, to the credit card value-added network. Comparing and analyzing the cyber partition card information data for the slave client previously transmitted and stored by the issued web server, and inquiring whether to approve the electronic commerce using the cyber partition card with reference to the comparison and analysis result. Step, the payment gateway or credit card query operator (Va transmitting the cyber partition card information data from the lue-added network to the card company server, wherein the cyber partition card information data received by the card company server and the web server that issued the cyber partition card are previously transmitted and stored. Comparing and analyzing the cyber partition card information data for the slave client, extracting the master client credit card information data interworked with the cyber partition card information data according to the comparison and analysis result, and the extracted master. It provides a method of making a payment through the relay of the payment gateway (PG) through the step of obtaining a payment approval through the client's credit card.

Fifth, the method of issuing the cyber split card through the card company server and the payment of the cyber split card using only the credit card company server without the intervention of a payment gateway (PG; Payment Gateway),

Receiving credit card information data owned by the master and the slave client information data from the master client; If the issuance of the divided card is confirmed, issuing and providing to the master client as many cyber partition cards as the number of applications requested by the master client, the slave client information data previously received from the master client and the issued cyber partition Interworking the card data to generate cyber partition card information data for each slave client; and generating the cyber partition card information data for the slave client using a master client credit card. In association with correction data by the step of storing the database and to receive the issued cyber division multiple cards using a single credit card of the master client,

When the cyber split card is used on the Internet of the slave client provided with the cyber split card, the payment processing process is performed.

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; issuing the cyber partition card from the website for the cyber partition card information data Transmitting to the card company server, comparing and analyzing the cyber partition card information data received by the card company server with the cyber partition card information data for the slave client previously stored in the card company server; Extracting the master client credit card information data interworked with the cyber partition card information data, and processing a payment authorization through the credit card of the master client with reference to the extracted master client credit card information data step Through the payment agencies; and provides a method of payment made without the relay (PG Payment Gateway).

Sixth, a method of issuing a cyber divider card through a card company server and payment of the cyber divide card through a relay of a payment agent (PG; Payment Gateway),

Receiving cyber credit card information data for the slave client from the step of receiving the own credit card information data and the slave client information data from the master client of the fifth method in conjunction with a master client credit card information data database; Storing the data in the same manner as the fifth method, and in addition, the payment gateway or the credit card inquiry of the cyber partition card information data for the slave client linked to the master client credit card information data stored in the database. The method may further include transmitting to a value-added network, and through each of the above steps, a plurality of cyber minutes using a single credit card of the master client. And to receive a card issued,

When the cyber split card is used on the Internet of the slave client provided with the cyber split card, the payment processing process is performed.

Inputting the cyber partition card information data into a card information input window (or a web browser) provided by the internet website requiring the payment processing; and transmitting the cyber partition card information data from the website to the payment agent. Or transmitting the cyber partition card information data and the cyber partition card received to the payment gateway or the value card network, to the credit card value-added network. Comparing and analyzing the previously issued and sent information on the divided card information for the slave client, which is previously transmitted from the issued card company server, and referring to the comparison and analysis result, inquiring whether to approve the electronic commerce using the divided card. Step, paying the cyber dividing card information data to the payment agency (Paym) transmitting the cyber partition card to the card company server that issued the cyber partition card from an ent gateway or a value-added network, and pre-stored the cyber partition card information data received by the card company server and the card company server. Comparing and analyzing the cyber split card information data for the slave client, extracting the master client credit card information data interworked with the cyber split card information data according to the comparison and analysis result, and extracting the extracted master. A method of making a payment is provided by processing a payment authorization through a credit card of the master client with reference to client credit card information data.

As described above, the present invention provides a cyber partition card providing and payment processing method,

In addition, when the application for issuing the cyber partition card is received from the master client, the website information data available or unavailable on the cyber partition card, and the cyber partition for the slave client when the cyber partition card information data is generated for the slave client. Linking the card information data with the website information data to pre-specify an available (or impossible) website of the slave client and the slave during payment processing according to the use of a cyber split card on the Internet of the slave client. Reserving payment authorization according to the client's available (or impossible) website information data, through each of the above steps indiscriminate cyber on the Internet. To provide a method for regulating the use of the card.

In addition, the invention further includes the step of encrypting and providing the password data interlocked with the cyber partition card when the cyber split card is issued to the master client, the security and authentication method in the cyber partition card providing and payment processing process To provide

In addition, in the invention, when the cyber partition card is issued to the master client, receiving the limit data per cyber partition card from the master client and generating the cyber partition card information data for the slave client, the cyber partition card information for the slave client Pre-specifying a usage limit value of the cyber partition card by linking data and the limit data in advance, as well as a method for regulating the use of the cyber client's indiscriminate cyber partition card on the Internet, as well as the master client credit card limit amount. It provides a cyber partition card providing method that is interlocked.

In addition, the present invention, when sending the credit card statement of the master client, by providing the details of the cyber split card in a separate window, or by integrating with the credit card usage history of the master client, the master client to the Provides a way to facilitate payment checks resulting from the use of cyber split cards.

In addition, the present invention, by sending the credit card statement of the master client, by providing the website information (including URL information) of the settlement process of the cyber divide card, by attaching the data, the Internet of the cyber split card user client (slave client) It provides a method for regulating and monitoring the use of indifferent split cards on a network.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a web server 105, a client 120, a credit card company 100, an Internet shopping mall 115 and a payment agency (PG) 110, which is a component of the present invention is formed in relation to each other on the Internet It is a simple block diagram.

First, prior to the description of the present invention, a client (master) applying for issuing a client for a cyber split card and paying for the use of the split card through a credit card in his own name and the cyber splitting issued by the client The card is classified as a third client (slave) actually used on the Internet, and the client applying for a cyber split card must have a credit card with a certain amount of his / her name. The master specifies beforehand that all the contents of the present invention to be described below will be able to create a cyber partition card for others (family, relatives, etc.) (slave) within the predetermined amount limit.

In addition, the payment gateway (PG) described below can be replaced with a value added network (VAN).

The web server 105 refers to a website that issues and manages a divider card to a client (master) 200 who has applied for issuance of a cyber divider card, and provides a related service, and the divider card from the client (master) Receives information (personal information, credit card information, etc.) necessary for issuance, and issues a plurality of cyber partition cards on the Internet at the request of the client (master) 200. The limit may be determined by the client (200) within the credit card limit of his or her own or by the terms of the web server 105 that issues the divider card, and issues a divider card for use by a minor. In the case of application, it is possible to prevent the exposure of harmful information by minors by pre-determining the useable or accessible website at the time of issue.

In addition, the web server 105 transmits the information (division card number, password, etc.) for the cyber partition card to a payment agency (PG; Payment Gateway) of the cyber partition card issued to the client (master) (200) Allow the payment agent to recognize the usage information and assign a unique password for each split card to be responsible for authentication.

The client generically refers to Internet users (users) who use the cyber partition card on the Internet, and the master client 200 may apply for and issue the partition card through the web server 105. When the card is issued, information about a credit card in its own name must be input to the web server 105, and other simple personal information and simple personal information of the clients 120 using the split card are required. Clients 120 that actually use the split card on the Internet may obtain a cyber split card through the master 200 client.

The split card allows clients without credit card 120 to use the card to purchase goods or use paid content on the Internet, and in the case of minors, the use of the split card may or may not be permitted. By setting a website, you can regulate its use (block harmful information).

The credit card company 100 is a company that issued a credit card inputted by the client (master) 200 as a payment method for issuing a split card (other credit card companies may be used), and the credit required for issuing a cyber split card. It provides the inquiry information of the card to the web server 105, and serves to make the payment for the use of the cyber divide card is made through the credit card.

2 is a simple configuration diagram illustrating a process in which a client 200 receives a cyber partition card.

When the client (master) 200 who wants to apply for the cyber partition card first applies for issuance to the web server 105 for issuing the cyber partition card (21), the web server 105 is inputted by the client (master). The credit card information is inquired to the issuing company of the credit card to which the payment of the divided card is to be made (22). The inquiry details are transmitted from the card company 100 to the web server 105 (23) and the web server 105 issues a cyber partition card that clients (slave) 120 can use on the Internet (24).

The cyber divide card can be issued by the master client 200, and payment for the use of the card is made through the credit card of the master client 200.

3 is a database that is included in the web server 105 and stores the client information input from the client (master) 200 to apply for issuing a cyber divide card.

The database 125 is included in the web server 105 and stores client information input by the client 200 at the time of issuing a cyber divide card, and information of the slave client is stored in the information 300 of the master client. Information 305 is subordinately combined. The web server 105 performs operations on the usage history and payment history of the cyber partition card based on the information stored in the database 125.

FIG. 4 is a configuration diagram illustrating in more detail the master client 200 information that may be stored in the database 125 shown in FIG.

The master client information 300 may include data such as name, social security number, credit card number, card expiration date, cyber split card number, limit and credit rating, and include more detailed data to facilitate the use of the split card. It is also possible.

The limit of the divider card is generally determined by the master client 200 or by the internal regulations of the web server 105 that issues the divider card. If the use of the divider card exceeding the limit of the credit card is It must be banned.

The card expiration date refers to the expiration date of the credit card where payment for the use of the cyber partition card is made, and the expiration date of the cyber partition card is determined within the expiration date.

The number data of the divided card stores the number of the issued cyber divided card, and also includes a password matching each divided card. The number of the split card may be related to the card number of the master client 200 by adding a corresponding number to the identification of the divided card, or according to a predetermined format determined by the web server 105. .

The card total limit data stores information on the limit amount assigned to each divided card, including the limit amount of the credit card.

The credit rating refers to data obtained by the web server 105 requesting an inquiry to the credit card company 100 at the time of issuing a cyber split card, so that data corresponding to the frequency of illegal use of the cyber split card or missing payment will be added. Can be.

FIG. 5 is an exemplary view showing more details of slave client information 305 that can be stored in the database shown in FIG.

The slave client information 305 may include data such as the name, social security number, cyber partition card number, expiration date, limit, and credit rating of the client using the cyber partition card, and may be available when the client is a minor or You can also include information about impossible websites or paid content. If the client (slave) is connected to the website or the paid content that is not available to try to purchase goods or use the content with the split card, the web server 105 compares the information of the client (slave) contained in the database or By discontinuing the use of the split card by reference, sending the details to the master client, or by attaching information (such as the time of use, URL, etc.) about the impossible website or content to the card statement. It is possible to confirm the master (200) client.

The expiration date of the cyber partition card can usually be determined within the expiration date of the credit card of the master client 200, and the limit amount is arbitrarily set within the credit card limit of the master client 200 or the terms of the web server 105. Reference may be made to.

6 is a simple flowchart illustrating a process of issuing a cyber divider card to a client 200 accessing the web server 105.

When the client (master) 200 who wants to issue the cyber partition card connects to the web server 105 and requests the cyber partition card issuance (600), the web server 105 sends a request for issuing the partition card from the master. Receive the necessary personal information and credit card number for payment of the use of the split card (605). The credit card is a credit card in the name of the client (master) 200 who applied for issuing a cyber divider card through the web server 105, and is responsible for all payments for the use of the issued cyber divider card. When the information on the issuance of the divided card is received from the client 200, the web server 105 performs an inquiry about the credit card information through the corresponding credit card company 100 (610).

If it is determined that the issue is possible through the inquiry (615), the issueable message is transmitted to the client (master) 200 (620), and personal information of the client (slave) to use the split card is received (630). The number of cyber partition cards issued by the client (master) 200 is applied (635) and all the above information is stored in the database 125 (640).

The cyber divide card can be issued according to the number of issuances set by the client (master) 200_ or the web server 105 within the limit of the credit card to be settled, and the web server 105 is the first cyber. When the split card is issued, the client 200 refers to the credit card company 100 by referring to the credit card number entered for payment to check the credit level of the client to reduce the number of issuance or to reduce the expiration date. He also said he could take action and cancel the application for issuing a cyber divider card if it is judged to be severe (credit bad guys).

7 is a simplified flowchart illustrating a process of using a merchandise or paid content with a cyber partition card from a client 120 who uses the cyber partition card on the Internet.

The client (slave) 120, which obtained the cyber partition card and the corresponding password from the web server 105 through the master client 200 (700), accesses the Internet shopping mall 115 or other paid content providing website (705). Select a product or paid content that you want to purchase (710) and determine the payment method as a cyber divide card (715). A web browser for entering cyber divide card information appears (720) and the client (slave). In operation 725, the user inputs basic information (eg, installment or the like) of the corresponding password and product purchase of the cyber partition card obtained at the time of issuance.

In this case, the web browser for inputting the cyber split card information may be configured in a separate form from the web browser for inputting the existing credit card information, or may be used together with the web browser for inputting the existing credit card information.

When it is determined whether the inputted information is available for payment through the payment agency (PG) 110 through the web server 105 and the bank, the selected product can be purchased or paid contents can be used (730). The payment is made through the credit card 200 (740).

FIG. 8 is a simplified flowchart illustrating a process of using a product or paid content when the client 120 uses a cyber divider card from an Internet shopping mall 115.

When a client (slave) 120 having issued a cyber partition card connects (800) and selects a product or paid content (805), the shopping mall 115 requests a payment method for the details (810). When the client 120 selects the cyber divide card as a payment method, the shopping mall 115 receives the information (815), presents the cyber divide card information input web browser (820), and divides the card information from the client 120. It receives the input (825).

In this case, the web browser for inputting the cyber split card information may be configured in a separate form from the web browser for inputting the existing credit card information, or may be used together with the web browser for inputting the existing credit card information.

When the input of the information is completed, the Internet shopping mall 115 transmits the information to the payment agency (PG) 110 (830), asking whether it is available, and when a response is received (835), the client 120 selects it. Providing a product or paid content (840).

The Internet shopping mall 115 may be in a strategic alliance with the web server 105 that issued the cyber partition card to facilitate the use of the cyber partition card, which is one of payment methods.

9 is a simplified flowchart illustrating a process in which a cyber partition card is used in the position of a payment gateway (PG) 110.

Through the process of FIG. 6, the web server 105 issues a cyber partition card to the client 120 (900) and the payment agency 110 receives information about the partition card from the web server 105 (cyber partition card number). Or data capable of recognizing the divided card). When the information is received, the payment agency 110 stores the information in its own database (910).

When the client (slave) 120 having the cyber split card accesses the internet shopping mall 115 and selects a split card as a payment method after purchasing a product or selecting paid content (915), the payment agency 110 determines the shopping mall 115. In operation 920, payment details and split card information are received.

If the received divided card information is recognizable (925), an authorization request is made to the web server 105 (930), and when a response is received from the web server 105 for the completion of the approval, the details are transmitted to the shopping mall 115. (940).

Payment Gateway (PG) is an Internet payment that supports payment of goods sold between a purchasing client and a selling client in electronic commerce using various payment methods such as bank transfer, credit card, and electronic money. Say payment service.

Fig. 10 is a simplified flowchart showing the process of using the division card in the position of the web server 105 which issued the cyber division card.

The details of the use of the cyber partition card are transmitted to the payment agency (PG) 110 via the Internet shopping mall 115, and the authentication for the cyber partition card use from the payment agency (PG) 110 to the web server 105. When the request is received (1000), the web server 105 determines whether a match is made by comparing the information of the cyber partition card stored in the customer database 125 (1005). In step 100, a payment approval request is made. When a response to the payment approval is received from the credit card company 100 (1025), the web server 105 transmits the response to the payment agency (PG) 110 (1030).

The information transmitted from the payment agency (PG) 110 includes a password assigned at the time of issuing the split card, and the web server 105 determines whether the authentication is made through public key-based encryption or other encryption authentication technology. I can do that.

FIG. 11 is a simplified flowchart illustrating a process of making a payment through respective network components shown in FIG. 1.

When the client 120 accesses the Internet shopping mall 115 with the cyber partition card and orders the product (1100), the Internet shopping mall 115 transmits the divided card information and the product details to the payment agency (PG) 110 ( 1105). The payment agency (PG) 110 performs an authorization request for the purchase of the product to the web server 105 with reference to the received information and the like (1110), and the web server 105 that received the approval request is the credit card company 100 In step 1115, the payment approval request is made.

The credit card company 100 responds to the payment authorization and the response is transmitted to the shopping mall 115 through the web server 105 (1120) and the payment agency (PG) 110 (1130) (1135). ). The shopping mall 115 receives the response and provides the selected product to the client 120 (1140). In addition, the credit card company 100 pays the payment agency (PG) 110 for the goods (1145) and the payment agency (PG) 110 pays for the goods to the Internet shopping mall (115) Pay 1150.

12 is an exemplary embodiment in which a cyber divide card is issued through a web server 105 and payment is made only by the web server 105 and the credit card company 100 without the intervention of the payment agency (PG) 110.

In this embodiment, the payment agent (PG) 110 does not exist as a network component, and the web server 105 is located at an intermediate stage of the credit card company 100, the Internet shopping mall 115, and the payment is received from the shopping mall 115. Check the information and serves to request payment to the credit card company (100).

In this figure, the web server 105 issues a cyber divide card, stores the information of the issued divide card in a database, and when payment input information is received from the shopping mall 115, the web server 105 receives a customer database. Read the information of the divided card stored in the 125 to decode the received payment input information and match the payment credit card entered by the master client 200 when the divided card is issued to make a payment to the credit card company 100 request.

In addition, by issuing a list of websites that the minor client can access or use (disabled) before issuing the division card for use by the minor client according to the request of the client 200 for issuing a cyber partition card. Access to harmful information from minor clients on the Internet can be prevented.

FIG. 13 is a simplified flowchart illustrating a process of using a cyber partition card in the Internet shopping mall 115 in the embodiment of FIG.

When a client (slave) 120 having a cyber partition card is issued accesses the Internet shopping mall 115 (1300) and selects a product or paid content to purchase (1305), the client 120 requests a payment method (1305); 1310, when receiving a response from the client 120 to use the cyber partition card (1315), and receives a web browser for inputting the partition card information (1320).

When the information on the cyber partition card is received from the client 120 (1325), the shopping mall 115 transmits the received information to the web server 105 (1330). When it is confirmed whether or not it is available from the web server 105 (1335), the client (slave) 120 provides the selected goods or paid content (1340).

FIG. 14 is a simplified flowchart showing a process in which a cyber divide card is used in the position of the web server 105 in the embodiment of FIG.

When the payment information and the authentication request for the use of the cyber partition card are received from the Internet shopping mall 115 (1400), the card information is compared with the partition card information previously stored in the customer database 125 (1405), and if it matches (1410). The web server 105 requests payment approval from the credit card company 100 (1415). When receiving a response to the payment approval from the credit card company 100 (1425) and transmits the response to the shopping mall 115 (1430).

FIG. 15 is a simple flowchart showing the overall payment process due to the use of a cyber divider in the embodiment of FIG.

When the client 120 accesses the Internet shopping mall 115 and orders a product with a cyber split card (1500), the Internet shopping mall 115 sends the split card information to the Internet shopping mall 115 that issues the split card. The product details are transmitted (1505) and the web server 105 requests a payment approval from the credit card company 100 based on the received information (1510).

The credit card company 100 determines whether the payment is approved for the divided card and transmits a payment approval response to the web server 105 in step 1515. The web server 105 transmits the response to the Internet shopping mall 115 (1525). The shopping mall 115 receives the response and provides the selected product to the client 120 (1530). The credit card company 100 pays for the product to the shopping mall 115 (1535).

16 is an embodiment in which the credit card company 100 directly issues a cyber divide card and makes a payment for the use of the divided card through a payment agency (PG) 110.

According to the present embodiment, a credit card company 100 capable of issuing a cyber partition card itself is included as a network component without the involvement of the web server 105 that issues the cyber partition card. May issue a cyber divider card through a client 200 having a credit card and provide a related service.

The credit card company 100 is a company that issues a credit card inputted by the client (master) 200 as a payment means in order to issue a split card, and requests for issuance of a cyber split card from the master (200). Upon receipt of the credit card, the credit card provided as the payment method is used to inquire information such as the creditworthiness of the client to lead the issuance of the cyber split card, and the credit card serves to pay the bill for the use of the cyber split card.

In addition, the credit card company 100 issues a plurality of cyber partition cards at the request of the client (master) 200 and simultaneously provides the management and related services of the issued partition card and provides a cyber partition card for a minor client. In this case, a list of websites that can be accessed or used (not available) is requested from the client 200 to prevent exposure of harmful information of a minor client.

In addition, the credit card company 100 transmits the information (divided card number, password, etc.) for the issued cyber divider card to the payment agency (PG) 110 to issue the cyber issued to the client (master) (200). Allow the payment agency (PG) 110 to recognize the usage information of the divided card and assign a unique password to each divided card to be responsible for authentication.

FIG. 17 is a simple block diagram illustrating a process of issuing a cyber divide card through a credit card company 100 by a client 200.

If a client (master) 200 who wishes to apply for a cyber divide card first applies for issuance of a cyber divide card to a credit card company 100 (or another credit card company) that has issued a credit card under his / her name (21) The credit card company 100 examines the credit card information to determine whether a cyber split card is issued. If it is determined that issuance is possible, the credit card company 100 issues a cyber partition card that clients (slave) 120 can use on the Internet (22) and transmits the details to the master client 200 (23). .

In addition, the cyber divide card can be issued and issued by the master client 200, the payment for the use of the card is made through the credit card of the master client 200.

Clients (slave) 120 that do not have a credit card through the issuing process as described above may also be issued a cyber divide card that can be used on the Internet through the client (master) 200 having a credit card.

18 is a flowchart illustrating a process in which a client 200 receives a cyber partition card by issuing a cyber partition card through a credit card company 100.

When a client (master) 200 who wants to issue a cyber split card requests a credit card company 100 that issues a cyber split card (1800), the credit card company 100 receives a master (master). After receiving the personal information and the credit card number capable of payment (200) (200), and inquiring the credit card that the payment for the use of the cyber split card is made (1810), and issuing and issuing the cyber split card, issuing If it is determined that this is possible (1815), and transmits the issueable message to the client (master) 200 (1820) and receives the personal information of the client (slave) 120 to use the split card (1830) As many as the number of cyber divide cards requested by the master (200) (1835), all the above information is stored in the customer database 125 (1840).

The cyber split card is issued according to the number of issuances that can be determined by the regulations of the credit card company 100 that issues a random or cyber split card of the client 200 within the limit of the credit card to be settled. In this case, the credit card company 100 requests the inquiry to the credit card company 100 by referring to the credit card number inputted by the client 200 for payment when issuing the first cyber split card, and the client 200. It is possible to take measures such as reducing the number of issuances or reducing the expiration date by determining the credit level of the credit card), and canceling the application for issuing a cyber divider card if the degree is severe (credit bad person).

In addition, the limit of the cyber split card (slave), etc. may be arbitrarily determined within the limit of the credit card of the client (master) 200, when issued to a minor (minor), the client 200 is used or By pre-determining the accessible website at the time of issuance, it prevents the exposure of harmful information of minors and can view the usage statement including the URL so that it can be monitored on the Internet.

19 is a simplified flowchart illustrating a process of purchasing goods and using paid contents using a cyber divide card from the perspective of the client 120.

18, a client (slave) 120 that obtains a cyber partition card and a corresponding password from the credit card company 100 through the master client 200 of FIG. 18 accesses an Internet shopping mall 115 or other paid content providing website. (1905) When a product or paid content to be purchased is selected (1910) and the payment method is set as a cyber split card (1915), a web browser for inputting cyber split card information appears (1920) and the client ( The slave) inputs the corresponding password of the cyber partition card acquired at the time of issuing and basic matters (such as an installment or the like) about product purchase (1925). When it is determined whether the inputted information is available for payment through the payment agency (PG) 110 through the web server 105 and the bank, the selected product can be purchased or paid contents can be used (1930). The payment is made through the credit card of the client 200 (1940).

The master client 200 refers to a client that allows the client 120 to acquire a cyber divider card and is responsible for payment for the use of the issued divider card. The 200 may be determined whether or not it can be issued or not depending on the inquiries of the credit card possessed by the client. In the case of the client 200 having frequent delinquency records or being selected as a credit defect, the issuance is impossible. If the client 200 does not have a delinquency record and has a good credit rating, the client 200 may receive a predetermined benefit such as a quick time for issuing a split card or an extension of the validity period.

20 is a simplified flowchart illustrating a process in which a cyber divide card is used from the point of view of a payment agency (PG) 110.

The credit card company 100 issues a cyber partition card to the client 120 through the master client 200 (2000) and the payment agency (PG) 110 receives the credit card company 100 from the credit card company 100. Information (such as a cyber split card number or data capable of recognizing the split card) is received (2005). When the information is received, the payment agency (PG) 110 stores the information in its own database (2010).

When a client (slave) 120 having a cyber split card accesses the internet shopping mall 115 and selects a split card as a payment method after purchasing a product or selecting paid content (2015), the payment agency makes a payment from the shopping mall 115. Received the breakdown and split card information (2020). If the received split card information is recognizable (2025), the request is made to the credit card company 100 (2030). If the response is received from the credit card company 100, the details of the shopping mall 115 are displayed. In step 2040.

Fig. 21 is a simplified flowchart showing the process of using the division card in the position of the credit card company 100 that issued the cyber division card.

The details of the use of the cyber divide card are transmitted to the payment agency (PG) 110 via the Internet shopping mall 115, and the cyber divide card from the payment agency (PG) 110 to the credit card company 100. When an authentication request for use is received (2100), the credit card company 100 determines whether or not a match is made by comparing the information of the cyber partition card stored in the customer database 125 (2105). If it is (2110) and approves the payment (2115) and transmits the details to the payment agency (PG) (110) (2125).

FIG. 22 is a simplified flowchart illustrating a process for making a payment for the use of a cyber partition card in the embodiment of FIG.

When the client 120 accesses the Internet shopping mall 115 with the cyber split card and orders a product (2200), the Internet shopping mall 115 sends the split card information and the product details to the payment agency (PG) 110. Send (2205). The payment agency (PG) 110 requests payment approval to the credit card company 100 with reference to the received information and the like (2210).

When the availability is confirmed, the credit card company 100 transmits a response to the payment authorization to the payment agency (PG) 110 (2215), and the payment agency (PG) 110 transmits the response to the shopping mall 115. (2225). The shopping mall 115 receives the response and provides the selected product to the client (2230), and the credit card company 100 pays the payment agency (PG) 110 for the product (2235). (PG) 110 pays for the product to the Internet shopping mall 115 (2240).

FIG. 23 is an embodiment in which the credit card company 100 directly issues a cyber divider card and makes a payment without the involvement of a payment agency (PG) 110.

In the present embodiment, there is no web server 105 for issuing and managing a cyber divide card, the credit card company 100 directly issues a cyber divide card, and a payment agency (PG) in the process of making a payment using the divide card. Without the intervention of 110, the Internet shopping mall 115 and the credit card company 100 is directly connected.

The credit card company 100 determines whether to issue the divided card by receiving and inquiring a payment credit card number to pay for the use of the divided card from the master client 200. It also contains a database of issued split cards and provides split card management and related services.

FIG. 24 is a simple flow chart of the use of the cyber divider card in terms of the Internet shopping mall 115 in the embodiment of FIG.

When a client (slave) 120 having a cyber partition card connects (2400) and selects a purchased product or paid content (2405), the shopping mall 115 instructs the client 120 to make a payment means for the details. When requesting (2410) and receiving a response from the client 120 to use the cyber partition card (2415), a web browser for inputting payment information is provided (2420).

When the payment information is input from the client 120 (2425), the shopping mall 115 transmits the information to the credit card company 100 that issued the cyber partition card (2430) to confirm whether or not it is available. When it is confirmed whether the credit card company 100 can use it (2435), the selected product or paid content is provided to the client 120 (2440).

FIG. 25 is a simplified flowchart of the use of the divider card from the perspective of the credit card company 100 that issued the cyber divider card in the embodiment of FIG.

When the information on the use of the cyber split card (authentication and payment request, etc.) is received from the shopping mall 115 (2500), it is compared with the information of the split card stored in the customer database 125 (2505) to determine whether the match is found. Check it. If it matches (2510) and approves the payment (2515) and transmits the approval details to the shopping mall (115) (2525).

FIG. 26 is a simplified flowchart showing the overall process of making a payment for the use of the cyber divide card in the embodiment of FIG.

When the client 120 accesses the Internet shopping mall 115 (2600) and places a product order using a cyber divide card (2605), the Internet shopping mall 115 divides the split into the credit card company 100 that issued the split card. The card information and the product details are transmitted (2610). The credit card company 100 determines whether payment is possible, and if it is determined that payment with the split card is possible, the credit card company 100 transmits a payment approval response to the shopping mall 115 (2615).

The shopping mall 115 receives a payment approval response from the credit card company 100 and provides the selected product to the client 120 (2625). The credit card company 100 pays the product 115 to the shopping mall 115 (2630).

27 is an exemplary embodiment in which a cyber divider is issued through a web server 105 and payment is made through a payment agency (PG) 110 and a credit card company 100 without intervention of the web server 105 in the payment process. .

The web server 105 issues the cyber divide card, but does not intervene in the settlement process due to the use of the divide card. In addition, the issuing information of the divided card is transmitted to the credit card company 100.

The credit card company 100 is a card company 100 that issues a credit card inputted by the master client 200 for payment at the time of issuance of the split card, and interoperates with the payment agency (PG) 110 for the split card. Responsible for payment for the use of.

FIG. 28 is a simple flowchart showing a process of issuing a cyber divide card in the embodiment of FIG.

When a client (master) 200 who wants to apply for issuing a cyber partition card connects to the web server 105 and requests issuance of a cyber partition card (2800), the web server 105 issues the partition card from the client 200. In operation 2805, a credit card number capable of payment for the use of personal information and a split card is required. The credit card is a credit card in the name of the client (master) 200 who applied for issuing a cyber divider card through the web server 105, and is responsible for all payments for the use of the issued cyber divider card. When the information on the issuance of the divided card is received from the client 200, the web server 105 performs an inquiry about the credit card information through the credit card company 100 (2810).

If it is determined that issuance is possible through the inquiry (2815), it transmits the issueable message to the client 200 (2820) and receives the personal information of the client (slave) 120 to use the split card (2830) The client 200 issues as many cyber dividing cards as the number of applications requested (2835), stores all the information in the database, and transmits the information to the credit card company 100 (2840).

The cyber split card may be issued by the arbitrary number of the master client 200 or the issue number determined by the web server 105 within the limit of the credit card to be settled, and the web server 105 may be the first cyber split card. At the time of issuance, the client 200 requests a query to the credit card company 100 by referring to the credit card number inputted for payment to determine the degree of credit of the client 200 to reduce the number of issuance or to reduce the validity period. It can also take measures such as, and if it is determined that the degree is severe (credit bad person), it is possible to cancel the application for issuance of the cyber split card.

FIG. 29 is a simplified flowchart showing a process in which a cyber divide card is used in the position of the payment agency (PG) 110 in the embodiment of FIG.

When the cyber divide card is issued, the web server 105 transmits the information of the divided card to the credit card company 100 (2900), and the payment agency (PG) 110 receives the information from the card company 100. (2905) The payment agency (PG) 110 stores the information of the divided card (2910).

In the Internet shopping mall 115, the client 120 selects the cyber split card as the payment method (2915), and when the payment details and the split card information are received from the shopping mall 115 (2920), the payment agency The PG 110 determines whether the card is recognized by referring to the divided card information stored in its database (2925) and requests an approval to the credit card company 100 (2930). When the approval is confirmed from the credit card company 100, the confirmation details are transmitted to the shopping mall 115 (2940).

30 is a simple flowchart showing the overall process of using a cyber divider card from the perspective of the credit card company 100 in the embodiment of FIG.

The credit card company 100 receives the cyber split card information issued from the web server 105 and stores it in the customer database 125 (3000) and authenticates the use of the split card from the payment agency (PG) 110. When receiving the request (3005) and compares with the information of the partition card stored in the database 125 (3010) to determine whether or not match.

If the split card information matches, the credit card company 100 approves the payment (3020) and transmits the approval details to the payment agency (PG) 110 (3030).

31 is an exemplary embodiment in which a cyber divider is issued through a web server 105 and payment is made only by the credit card company 100 without intervention of the web server 105 and the payment agency (PG) 110.

In this embodiment, the web server 105 issues a cyber divide card as in the embodiment of FIG. 27 and transmits the issuance information to the card company 100, and does not intervene in the settlement process.

Payment is made with the Internet shopping mall 115 and the card company 100 that provides a product to the client (slave).

32 is a diagram illustrating an exemplary embodiment of determining a limit of a cyber divide card when a cyber divide card is issued using a credit card having a limit of 5,000,000 won.

Embodiments relating to the limits described in FIG. 33 and FIG. 33 are examples of a case where a cyber divider card is issued through a credit card owned by the master client 200 and the use of the cyber divide card is paid to the credit card. to be.

In this figure, the total limit of the credit card is 5,000,000 won, and the limit of the cyber split cards is 300,000 won, 200,000 won, and 200,000 won, respectively. In addition, it can be seen that the limit that the credit card can use (issued offline) after issuing the split card is equal to the total limit minus the sum of the limits of the split cards.

If you set a limit on the cards as described above, all the cards can not be used in excess of the limit.

Fig. 33 is an embodiment of the case where the limits of the divided cards do not affect the usable amount of the original credit card in determining the limits of the cyber divide cards.

FIG. 32 illustrates an example in which the limit of the credit card is not affected by the limit of the cyber split card in the case of FIG. 32. If the master client 200 uses the total limit (5,000,000 won) as the credit card, If you use more than the sum of the limit (KRW 700,000) (KRW 4,300,000), the cyber divider will automatically use less than the original limit.

34 is an exemplary diagram in which the web server 105 or the credit card company 100 provides the master client 200 with the transaction details of the divided card through a web browser.

The web browser screen can be provided through an institution that issued a cyber partition card, and referring to the details, the usage history of each divided cyber card can be collectively monitored and managed. In this figure, the divided card (minor) refers to the divided card used by the minor client.

FIG. 35 is an exemplary view of a web browser screen shown when the master client 200 clicks to inquire one division card details in FIG. 34.

This figure is an exemplary diagram in which the master client 200 inquires the details of the cyber partition card used by the minor client, and it can be seen that the usage limit of the partition card is 200,000 won and the remaining balance is 80,550 won. You can also see when and where you used it, and you can also check the access to harmful information websites.

FIG. 36 is an exemplary diagram in which a website which is available or accessible (not available) is set for a client client who is a minor when the master client 200 applies for a cyber partition card.

The master client 200 to apply for the cyber split card inputs a website available or unavailable at the time of application when the client using the split card to be issued is under age, and uses the harmful information web when the cyber split card is used by the client (minor). Prevent access to the site.

FIG. 37 is an exemplary diagram of preventing access to harmful information website or contents with a cyber partition card provided to a minor client through a database including the process of FIG. 36;

38 is an exemplary diagram in which the usage statement of each cyber partition card is included as one statement for payment.

Since the payment of the cyber split card is processed through the credit card of the master client 200, each cyber split card may be integrated into one statement for payment.

It also reveals that individual split card details can be settled without integration.

39 is an exemplary view of a usage statement of a cyber partition card used by a minor client.

In this figure, the usage details shown in the web browser of Fig. 38 are further embodied, and the URL of the connected website is included.

40 is a diagram illustrating a web browser screen provided to the client 120 when the client 120 selects a cyber divide card as a payment method after purchasing a product in the Internet shopping mall 115 or the like.

According to the present invention, by allowing a client (master) to be provided with a plurality of cyber divider cards on the Internet with their own credit card, the client (slave) without an existing credit card also cyber divides through the client (master) The advantage is that you can get a card and use it on the Internet.

In addition, according to the present invention, since the credit card information of the master client and the cyber split card information data for the slave client are cascaded and processed, there is an advantage that the payment processing structure according to the use of the cyber split card can be smoothly processed.

In addition, according to the present invention, in the case of a cyber split card used by a minor client (slave), it is not possible to expose harmful information of a minor cyber split card user by determining a website and content that the master can use or access in advance. The advantage is that it can be prevented and monitored on the Internet.

In addition, according to the present invention, when sending the credit card statement of the master client, by providing the details of the cyber split card in a separate window, or by integrating with the credit card usage history of the master client, the master client There is an advantage of smoothly checking the payment amount due to the use of the cyber split card.

1 is a simple block diagram of a web server, a client, a credit card company, an internet shopping mall, and a payment agency (PG), which are components of the present invention, which are related to each other on the Internet.

2 is a simple block diagram showing a process in which a client (master) is issued a cyber partition card.

3 is a database included in a web server and storing client information input from a client (master) who has applied for issuing a cyber divide card.

FIG. 4 is a block diagram illustrating in more detail the master client information that can be stored in the database shown in FIG.

FIG. 5 is an exemplary view showing more details of slave client information that may be stored in the database shown in FIG.

6 is a simple flowchart illustrating a process of issuing a cyber divider card to a client accessing a web server.

FIG. 7 is a simplified flowchart illustrating a process of using goods or paid contents with a cyber divide card from a client using the cyber divide card on the Internet.

FIG. 8 is a simplified flowchart illustrating a process of using a product or paid content when a client uses a cyber split card in an Internet shopping mall.

9 is a simplified flowchart illustrating a process in which a cyber partition card is used in the position of a payment gateway (PG).

FIG. 10 is a simplified flowchart illustrating a process of using the division card in the position of a web server that issues a cyber division card.

FIG. 11 is a simplified flowchart illustrating a process of making a payment through each network component shown in FIG.

12 is an exemplary embodiment in which a cyber divider is issued through a web server and payment is made only by the web server and a credit card company without the intervention of a payment agency (PG).

FIG. 13 is a simplified flowchart illustrating a process of using a cyber partition card in the Internet shopping mall according to the embodiment of FIG.

FIG. 14 is a simplified flowchart showing a process in which a cyber divide card is used in the position of a web server in the embodiment of FIG.

FIG. 15 is a simple flowchart showing the overall payment process resulting from the use of the cyber divide card in the embodiment of FIG.

16 is an embodiment in which a credit card company directly issues a cyber divider card and makes a payment for the use of the divider card through a payment agency (PG).

Fig. 17 is a simple block diagram showing a process in which a client (master) issues a cyber divide card through a credit card company.

FIG. 18 is a flowchart illustrating a process in which a client applies for issuing a cyber partition card and issues a cyber partition card through a credit card company.

19 is a simplified flowchart illustrating a process of purchasing goods and using paid contents using a cyber divide card from a client's point of view.

20 is a simplified flowchart illustrating a process in which a cyber partition card is used in the position of a payment gateway (PG).

Fig. 21 is a simplified flowchart showing the process of using the dividing card for the credit card company that issued the cyber dividing card.

FIG. 22 is a simplified flowchart illustrating a process for making a payment for the use of a cyber partition card in the embodiment of FIG.

23 is an embodiment in which a credit card company directly issues a cyber divider card and makes a payment without intervention of a payment agency (PG).

FIG. 24 is a simple flowchart showing the use of the cyber divider card in the Internet shopping mall in the embodiment of FIG.

FIG. 25 is a simplified flowchart of the use of the divider card from the perspective of the credit card company that issued the cyber divider card in the embodiment of FIG.

FIG. 26 is a simplified flowchart showing a process for making a payment for the use of a cyber divide card in the embodiment of FIG.

FIG. 27 is an embodiment in which a cyber divider is issued through a web server and payment is made through a payment agency (PG) and a credit card company without intervention of the web server in the payment process.

FIG. 28 is a simple flowchart showing a process of issuing a cyber divide card in the embodiment of FIG.

FIG. 29 is a simplified flowchart showing a process in which a cyber divide card is used in the position of a payment agency PG in the embodiment of FIG.

30 is a simple flowchart showing a process in which a cyber divide card is used in the position of a credit card company in the embodiment of FIG.

FIG. 31 is an embodiment of issuing a cyber divider card through a web server and making a payment using only a credit card company without intervention of the web server and a payment agency (PG).

32 is a diagram illustrating an exemplary embodiment of determining a limit of a cyber divide card when a cyber divide card is issued using a credit card having a limit of 5,000,000 won.

Fig. 33 is an embodiment of the case where the limits of the divided cards do not affect the usable amount of the original credit card in determining the limits of the cyber divide cards.

34 is an exemplary diagram in which a web server or a credit card company provides a transaction history of a split card to a master client through a web browser.

FIG. 35 is an exemplary view of a web browser screen shown when the client (master) clicks to inquire one division card details in FIG.

Fig. 36 is an exemplary view of setting up a website which can be used or accessed (disabled) for a minor client (slave) when a client (master) applies for a cyber partition card.

FIG. 37 is an exemplary diagram of preventing access to harmful information website or contents with a cyber partition card provided to a minor through a database including the process of FIG. 36;

38 is an exemplary diagram in which the usage statement of each cyber partition card is included as one statement for payment.

39 is an exemplary view of a usage statement of a cyber partition card used by a minor client.

40 is a diagram illustrating a web browser screen provided to a client when the client selects a cyber divider as a payment method after purchasing a product in an internet shopping mall.

<Description of main parts of drawing>

100: card company 105: web server

110: payment agency (PG) 115: Internet shopping mall

120: client 125: customer database

Claims (50)

delete delete delete delete delete delete delete delete delete delete delete delete A cyber partition card providing and payment processing method comprising a master client for applying for at least one cyber partition card, a slave client using the cyber card, and a card company server for issuing the cyber partition card to the master client. To Receiving credit card information data owned by the master company and the slave client information data from the master client at the card company server; Determining, by the card company server, whether to issue the cyber partition card to the master client according to the authorization inquiry for the cyber partition card issuance and the inquiry result with reference to the received data; If the issuance of the cyber partition card is confirmed, issuing and providing the cyber partition card as many as the number of applications requested by the master client to the master client in the card company server; Generating, by the card company server, the cyber partition card information issued to the master client and the slave client information previously received from the master client to generate cyber partition card information data for each slave client; Storing, by the card company server, the generated cyber partition card information data for the slave client in a database in association with the master client credit card information data; When the slave client receives the cyber split card from the master client and uses the cyber split card on the website, the slave client receives the cyber split card information through a predetermined card information input window (or a web browser) for payment processing. Providing; Comparing, at the card company server, the cyber split card information data for the slave client previously stored in a database in the card company server; Extracting, by the card company server, the master client credit card information data linked to the cyber partition card information according to the comparison result; And And approving the payment processing requested by the website through the credit card of the master client by referring to the extracted master client credit card information data at the card company server. And payment processing methods. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete