KR101744706B1 - Simple Payment System based on Certificate Management Company and Method thereof - Google Patents

Simple Payment System based on Certificate Management Company and Method thereof Download PDF

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Publication number
KR101744706B1
KR101744706B1 KR1020150086725A KR20150086725A KR101744706B1 KR 101744706 B1 KR101744706 B1 KR 101744706B1 KR 1020150086725 A KR1020150086725 A KR 1020150086725A KR 20150086725 A KR20150086725 A KR 20150086725A KR 101744706 B1 KR101744706 B1 KR 101744706B1
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KR
South Korea
Prior art keywords
certificate
password
server
management company
authorized
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KR1020150086725A
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Korean (ko)
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KR20160150164A (en
Inventor
김태호
김건표
Original Assignee
유비트론주식회사
김건표
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Priority to KR1020150086725A priority Critical patent/KR101744706B1/en
Publication of KR20160150164A publication Critical patent/KR20160150164A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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

Abstract

The simple payment system based on the public key certificate management company of the present invention comprises a public key certificate issuing server for issuing a public key certificate based on personal information such as a member number such as a resident number and a name and personal information such as a public key certificate password, And receives and stores the member's authorized certificate and the authorized certificate password, confirms the membership through the ID and password, receives the password for the authorized certificate according to the request of the member, and performs the primary authentication for the authorized certificate And transmits the result of the authentication to the financial institution server, and the member information ID and the password of the member are received and transmitted to the financial institution server to register the transaction information such as the login service and the account number, To request a financial transaction by inputting ID and password, And a passbook number, and transmits the same to the financial institution server, registers the member information, ID, and password on the management company server, receives the authentication password of the member's authorized certificate, and transmits the same to the management server And transmits the password and member information to the management company server by receiving the ID and password from the member terminal, requesting the financial transaction, requesting the transaction information, inputting the authorized certificate password through the member terminal, When the result of the first authentication for the authorized certificate is received from the management company server and the authentication result is matched, the authorized certificate password and the member information are transmitted to the certificate issuing server to receive the final authentication result for the authorized certificate from the certificate issuing server, A financial institution server for authorizing and trading It characterized in that it consists of members based terminal server management companies, financial institutions, and the server certificate internet or wireless network to connect to the issuing server.

Description

Technical Field [0001] The present invention relates to a simple payment system based on an authorized certificate management company, and a simple payment method using the simple payment system.

In order to solve the security problems and management problems such as the hacking of the authorized certificate about the authorized certificate which is currently possessed by the majority of the present invention, the present invention separately establishes a management company that stores and manages the individual authorized certificate, The management company can manage the certificate so as to prevent the intrusion of the malicious program which can be invaded while hacking the authorized certificate of the individual or using the authorized certificate, and to certify and authenticate the person effectively. The current authorized certificate is issued to the personalization agent by the individual, and the individual is stored in the terminal or USB and is operated in the form of managing.

A conventional technique related to the present invention is disclosed in Korean Patent Registration No. 10-1083210 (published on November 11, 2011). 1 is a control flowchart of a public certificate operation method for providing the illegal use prevention function of the related art. 1, a conventional certificate operation method for providing an illegal use prevention function includes a base wired communication network, a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network and / or an IEEE 802.16x base (1300) for accessing the server via the Internet, a portable Internet, or the like, and requesting a financial transaction for providing the financial transaction service. In response to the request, the server transmits customer account information, Generating (or extracting) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one transaction authentication information, transmitting the generated web page to the terminal through the communication channel, and outputting (1305) And the terminal then transmits the customer account information, the transaction amount information, and the transaction authentication information at least through the user interface A step 1310 of inputting (or selecting) financial transaction request information including at least one financial transaction request information including at least one of financial transaction request information including the customer account information, transaction amount information and transaction authentication information through the user interface A step 1315 of inputting (or selecting) the customer account information, the transaction amount information, and the transaction authentication information to the server through the communication channel; The server receives financial transaction request information including at least one of the customer account information, the transaction amount information, and the transaction authentication information through the communication channel, and if the transaction authentication means for the received financial transaction request information is an authorized certificate A step 1322 of confirming whether the transaction authentication means for the received financial transaction request information is a public certificate, (Step 1323), the server verifies the validity of the authorized certificate through the certificate server 705, and if it is determined that the authorized certificate is invalid (step 1324) (Or extracting) validation confirmation error information for the authorized certificate used as the transaction authentication means for the transaction authentication means, and transmitting the result to the terminal through the communication channel and outputting the generated information to the terminal (Step 1325). On the other hand, If the validity of the financial transaction request information is not authenticated (step 1330), the server checks whether the validity error information is valid (step 1324) (1335) a financial transaction transaction history including predetermined financial transaction error information corresponding to the financial transaction transaction history Transmitting the financial transaction result to the information referred to as the terminal, and (1355), In response, the mobile station is 1360 to output a screen including the result of financial transaction financial transaction history. On the other hand, if the validity of the financial transaction request information is authenticated (1330), the server associates the customer account information included in the financial transaction request information with the financial system 1240 having the account ledger corresponding to the customer account Processing the financial transaction for providing the financial transaction service based on the transaction amount information and the transaction authentication information 1340. If the financial transaction corresponding to the financial transaction request information is processed 1345, (1350) a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the processing result, and generates financial transaction result information including the financial transaction processing details through the communication channel (1355), and in response, the terminal displays the financial transaction result including the financial transaction processing history on the screen It is made to step 1360 to.

The conventional authentication method for authenticating a financial transaction as described above has a problem that the risk of being exposed to hacking is always present because an individual stores and manages it. In addition, the above-described conventional techniques have a problem in that malicious programs infiltrate into the management due to the fact that an authorized certificate is managed by an individual, thereby causing an error or an unauthorized use of the authorized certificate. In order to solve the problems of the related art as described above, the simple payment system based on the public certificate according to the present invention and the simple settlement method using the same provide a separate professional company for storing and managing individual authorized certificates, So as to prevent infiltration. Another object of the present invention is to provide convenient and safe use to the individual by entrusting the authorized certificate management to the professional management company. Another object of the present invention is to reduce the loss due to abolition by allowing the authorized certificate to be selectively and reasonably used by abolishing the forced use of the authorized certificate.

According to an embodiment of the present invention, there is provided a simple payment system based on the present invention, including: a public certificate issuing server for issuing a public certificate based on personal information such as a resident number and a name, and personal information such as a public certificate password; , ID, and password, receives and stores the member's authorized certificate and the authorized certificate password, confirms the membership through the ID and password, receives the password for the authorized certificate according to the request of the member, And transmits the authentication result to the financial institution server, and transmits the member information, the ID and the password of the member to the financial institution server to register the transaction information such as the login service and the account number And connect to the financial institution server, enter the ID and password, and And transmits transaction information such as a transaction amount and a passbook number to the financial institution server, registers the member information, the ID and the password on the management company server, receives the authentication password of the member's authorized certificate, And receives the ID and the password from the member terminal, requests the financial transaction, requests the transaction information, inputs the authorized certificate password through the member terminal, and transmits the password and the member information to the management company server And receives the result of the first authentication of the authorized certificate from the management company server, and when the authentication result is matched, transmits the authorized certificate password and the member information to the certificate issuing server to receive the final authentication result of the authorized certificate from the certificate issuing server And to approve and deal with financial transactions. And an Internet network or a wireless communication network connecting the user terminal, the management company server, the financial institution server, and the public certificate issuing server. In addition, the simple payment method based on the public certificate includes a step of a member accessing a financial institution server through a member terminal, registering the member as a member based on the member information, the ID and the password, The method comprising the steps of: registering a member as a member on the basis of information, an ID, and a password; accessing the authorized certificate issuance server through a member terminal to input member information and issuing and receiving an authorized certificate; A step of connecting the certificate to the management server and deleting the authorized certificate of the member terminal, a step of storing the authorized certificate received by the management company server into a DB based on the member information, Connect to the agency server and enter ID and password to confirm membership and enter transaction information A step in which the financial institution server requests the member's authorized certificate password; a step in which the member inputs the authorized certificate password through the member terminal and transmits the password to the financial institution server; A step of transferring the authentication certificate password of the financial institution server to the management company server to authenticate the management company server, and if the management company server first authenticates based on the public certificate password and matches the authentication result, The method comprising the steps of: transmitting a public certificate password to a public certificate issuance server to perform final authentication; transmitting a final authentication result to a financial institution server when the public certificate issuance server transmits a final authentication result; And a step of determining whether or not the image is displayed.

The simple payment system based on the public certificate system of the present invention having the above configuration and the simple settlement method using the same can prevent the public certificate from being used up as a result of abolishing the forced use of the public certificate, will be. Further, another effect of the present invention is that a specialized company for managing a public certificate is separately configured, thereby enhancing security, thereby preventing hacking and installation of a malicious program. It is effective to reduce the burden of the individual certificate management by allowing one professional management company to manage the authorized certificate managed by the individual. In addition, the existing authorized certificate is entrusted to the management company server only for the desired member, It is possible to use an authorized certificate.

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

The simple payment system based on the present invention and the simple payment method using the same according to the present invention will now be described with reference to FIGS. 2 to 5. FIG.

FIG. 2 is an overall configuration diagram of a simple settlement system based on the present invention. 2, the simple payment system based on the public key certificate management company of the present invention includes a public key certificate issuing server 10 for issuing a public key certificate based on personal information such as membership number and name, And receives and stores the member's authorized certificate and the authorized certificate password, confirms the membership through the ID and password, and confirms the membership secret of the authorized certificate according to the request of the financial institution server ID, and password of the member, and transmits the result to the financial institution server to determine whether or not to authenticate the first-time authentication with the financial institution server Service and account number, access to the financial institution server, and input ID and password Request financial transaction, input transaction information such as transaction amount and bankbook number, and password of authorized certificate, transmit it to the financial institution server, register it on the management company server based on the member information, ID and password, A member terminal 30 for receiving and storing a certificate password from a certificate issuance server and transmitting the certificate password to a management company server to perform a primary authentication, a user terminal 30 for receiving and registering an ID and a password from a member terminal, And transmits the password and member information to the management company server by receiving the authentication certificate password through the member terminal, receives the first authentication result for the public certificate from the management company server, and if the authentication result is matched, Issuing the certificate by sending the information to the certificate issuing server A financial institution server 40 for receiving a final authentication result on the public certificate from the server, accepting the financial transaction, and making a transaction; and an Internet network or wireless network connecting the member terminal, the management company server, And a communication network (50).

3 is a detailed configuration diagram of a management company server applied to the present invention. 3, the management company server 20 according to the present invention includes a member information DB 22 storing individual member information such as a member's name, a resident number, a telephone number, an address, an ID and a password, A certificate DB 24 for storing an individual authorized certificate and an authorized certificate password issued by the authorized certificate issuing server based on the information, a transmission / reception module 26 for communicating with the member terminal, the financial institution server, and the authorized certificate issuing authority server An encryption / decryption module 28 for encrypting or decrypting data transmitted and received through the transmission / reception module, and a member receiving and storing member information of the member in the member information DB, and encrypting and decrypting data transmitted and received through the transmission / And decrypts the public key certificate and the public key certificate from the member terminal or the public key certificate issuing server, A controller for receiving and storing the call, receiving a member ID, a password and an authorized certificate password from a financial institution server, confirming membership, judging whether the membership information matches the certificate information stored in the certificate DB, 21).

4 is a control flowchart of the first embodiment of the simple settlement method based on the present invention. 4, the simple payment method according to the present invention is a step S11 of accessing a financial institution server through a member terminal and registering the member as a member based on member information, an ID and a password A step S12 of registering the member as a member based on the member information, the ID and the password by accessing the management company server through the member terminal, the member accessing the authorized certificate issuing server through the member terminal and inputting the member information (S13) of receiving and receiving an authorized certificate based on the authorized certificate password; and allowing the member to access and send the authorized certificate stored in the member terminal through the member terminal, based on the authorized certificate password, A step (S14) of deleting the authorized certificate of the terminal, and a step (S16) of confirming membership and inputting transaction information by inputting an ID and a password by accessing a financial institution server through a member terminal, (S17) of requesting a member's authorized certificate password; a step (S18) in which the member inputs an authorized certificate password through the member terminal and the member terminal encrypts the authorized certificate password and transmits it to the financial institution server A step S19 of causing the financial institution server to transmit the member's authorized certificate password to the management company server to authenticate the member server server, a step S19 of decrypting the member company information based on the member information and the authorized certificate password, (S20) of transmitting the certificate to the financial institution server (S20). After the financial institution server encrypts the authorized certificate password, the authorized certificate issuing server A step S22 of encrypting the final authentication result and transmitting the final authentication result to the financial institution server, and a step S22 of accepting the financial transaction when the authentication result matches (Step S23). In addition, the steps S21 and S22 may be omitted, and the financial institution server may approve the financial transaction after the first authentication of the management company server. If the first authentication fails in step S20 or the final authentication fails in step S22, the process ends immediately.

FIG. 5 is a control flowchart of a second embodiment of a simple settlement method based on the present invention. 5, the simple payment method according to the present invention is a step S31 of accessing a financial institution server through a member terminal and registering the member as a member based on member information, an ID and a password A step S32 of registering the member as a member based on the member information, the ID and the password, by accessing the management company server through the member terminal, and a step of registering the member information and the authorized certificate (S33) of inputting a password and issuing a public certificate, encrypting the member information, the public certificate and the public certificate password of the member having issued the public certificate, and transmitting the encrypted member information to the management company server (S34 ), A step of storing the authorized certificate and the authorized certificate password received by the management company server into a DB based on the member information (S 35), a member accesses a financial institution server through a member terminal, inputs an ID and a password to confirm membership, and inputs transaction information (S36); and a financial institution server sends a request A step S38 of encrypting the secret number of the member when the member terminal receives the secret number of the member's certificate and transmitting the encrypted secret number to the server of the financial institution; A step S40 of decrypting and authenticating the management company server based on the member information and the authorized certificate password, encrypting the authentication result and transmitting the authentication result to the financial institution server, (S41) of encrypting the authorized certificate password and transmitting it to the authorized certificate issuance server (S41), issuing the authorized certificate (S42) of encrypting the final authentication result and transmitting the final authentication result to the financial institution server (S42); and allowing the financial institution server to approve and execute the financial transaction if the authentication result coincides . In addition, the steps S41 and S42 may be omitted, and the financial institution server may approve the financial transaction after the first authentication. If it is determined in step S40 that the authentication fails in step S42, the process is terminated.

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

Claims (7)

1. A simple settlement system based on an accredited certificate management company for preliminarily registering an accredited certificate in a separate accredited certificate management company,
A simple settlement system based on an accredited certificate management company for easily pre-registering the accredited certificate in a separate accredited certificate management company,
A certificate issuing server 10 for issuing a public certificate on the basis of personal information such as member information such as a resident registration number, a name, and an official certificate password, and finally authenticating based on a password;
The member is registered as a member based on the membership information, ID and password of the member, receives and stores the member's authorized certificate and the authorized certificate password, confirms the membership through the ID and password, A public certificate management company server 20 for receiving a password and determining whether the public key certificate is first authenticated, and transmitting the authentication result to a financial institution server;
The member information ID and the password of the member are received and transmitted to the financial institution server to register the transaction information such as the login service and the account number, the financial institution server is accessed, the ID and the password are inputted to request the financial transaction, Transaction information such as a bankbook number, and an authorized certificate password are transmitted to the server of the financial institution and registered in the server of the authorized certificate management company based on the member information, the ID and the password, and the member's authorized certificate and the authorized certificate password are registered A member terminal 30 for receiving and storing it from the issuing server and transmitting it to the authorized certificate management company server to perform primary authentication;
Receives the ID and the password from the member terminal and registers it, requests the financial transaction, requests the transaction information, inputs the authorized certificate password through the member terminal, transmits the password and member information to the authorized certificate management company server, And if the authentication result is matched, the authentication certificate password and the member information are transmitted to the certificate issuing server to receive the final authentication result for the authorized certificate from the certificate issuing server, and the financial transaction is approved A financial institution server 40 for making a transaction;
And an Internet network or a wireless communication network 50 for connecting the member terminal, the public certificate management company server, the financial institution server, and the public certificate issuing server to the public certificate management company in advance. Authorized certificate management for payment Easy payment system based on company.
The method according to claim 1,
Wherein the authorized certificate management company server comprises:
A member information DB 22 storing individual member information such as a member's name, a resident number, a telephone number, an address, an ID and a password;
A certificate DB (24) storing an individual authorized certificate and an authorized certificate password issued by the authorized certificate issuing server based on the member information;
A transmission / reception module (26) for communicating with a member terminal, a financial institution server and an authorized certificate issuing organization server;
An encryption / decryption module 28 for encrypting or decrypting data transmitted and received through the transmission / reception module;
And the membership information of the member is received and stored in the member information DB, and the data to be transmitted and received through the transmission / reception module is encrypted or decrypted by the encryption / decryption module, and the public key of the member terminal or the authorized certificate issuing server A control unit for receiving and storing a member ID, a password, and an authorized certificate password from a financial institution server to confirm that the member is a member and checking whether the membership information matches the certificate information stored in the certificate DB, (21). The system includes a certificate issuing server (20) for receiving a certificate from the certificate issuing server (20).
1. A simple settlement system based on an accredited certificate management company for preliminarily registering an accredited certificate in a separate accredited certificate management company,
A simple settlement system based on an accredited certificate management company for easily pre-registering the accredited certificate in a separate accredited certificate management company,
Issuance of a public certificate based on personal information such as personal information such as resident registration number and name, and personal certificate password, transmitting the official certificate and the official certificate password to the public certificate management company server, receiving the official certificate password, A certificate issuing server 10;
The member is registered as a member based on the member information, ID, and password of the member, receives the member's authorized certificate and the authorized certificate password from the authorized certificate issuing server and stores the member's ID and password, A public certificate management company server 20 for receiving a member's password for a certificate, determining whether the certificate is first-checked for the certificate, and transmitting the authentication result to a financial institution server;
The member information ID and the password of the member are received and transmitted to the financial institution server to register the transaction information such as the login service and the account number, access the financial institution server, input the ID and the password, request the financial transaction, A member terminal 30 for receiving transaction information such as a transaction ID and an authorized certificate password, transmitting the same to a financial institution server, and registering the same on a public certificate management company server based on member information, an ID, and a password;
Receives the ID and the password from the member terminal and registers it, requests the financial transaction, requests the transaction information, inputs the authorized certificate password through the member terminal, transmits the password and member information to the authorized certificate management company server, When the authentication result is matched, the server receives the first authentication result from the server and transmits the authentication certificate password and member information to the certificate issuing server, receives the final authentication result from the certificate issuing server, A financial institution server 40 for approving and trading;
And an Internet network or a wireless communication network 50 for connecting the member terminal, the public certificate management company server, the financial institution server, and the public certificate issuing server to the public certificate management company in advance. Authorized certificate management for payment Easy payment system based on company.
A simple settlement method based on an accredited certificate management company for preliminarily registering an accredited certificate in a separate accredited certificate management company,
A simple settlement method based on an accredited certificate management company for preliminarily registering the accredited certificate in a separate accredited certificate management company,
(S11) of accessing a financial institution server through a member terminal and registering the member as a member based on member information, an ID and a password;
(S12) of accessing the authorized certificate management company server through the member terminal and registering the member as a member based on the member information, the ID and the password;
(S13) the member accesses the authorized certificate issuing server through the member terminal, inputs member information, and issues and receives an authorized certificate based on the authorized certificate password;
(S14) the member accesses the authorized certificate management server in the member terminal through the member terminal, transmits the authorized certificate to the authorized certificate management server, stores the authorized certificate based on the authorized certificate password, and deletes the authorized certificate of the member terminal;
(S15) of storing a public certificate received by the public certificate management company server in the form of a DB based on the member information;
(S16) a member accessing a financial institution server through a member terminal, inputting an ID and a password to confirm membership, and inputting transaction information;
A step S17 of the financial institution server requesting the authorized certificate password of the member;
(S18) a member inputs an authorized certificate password through a member terminal and the member terminal encrypts the authorized certificate password and transmits it to the financial institution server;
(S19) of causing the financial institution server to transmit the member's authorized certificate password to the authorized certificate management company server to authenticate;
(S20) of decrypting and authenticating the public certificate management company server based on the member information and the public certificate password, encrypting the authentication result, and transmitting the encrypted result to the financial institution server (S20);
And a step (S23) of allowing the financial institution server to approve and execute the financial transaction if the authentication result coincides with the authentication result. The method according to claim 1, wherein the authorized certificate is registered in a separate authorized certificate management company Company-based easy payment method.
5. The method of claim 4,
A simple settlement method based on an accredited certificate management company for preliminarily registering the accredited certificate in a separate accredited certificate management company,
Between steps S20 and S23,
(S21) encrypting the authorized certificate password and transmitting it to the authorized certificate issuance server for final authentication after the financial institution server encrypts the authorized certificate password;
And a step (S22) of encrypting the final authentication result and transmitting the final authentication result to a financial institution server (S22). The method according to claim 1, wherein the authorized certificate issuing server Certificate management Easy company-based payment method.
A simple settlement method based on an accredited certificate management company for preliminarily registering an accredited certificate in a separate accredited certificate management company,
A simple settlement method based on an accredited certificate management company for preliminarily registering the accredited certificate in a separate accredited certificate management company,
(S31) of accessing a financial institution server through a member terminal and registering the member as a member based on member information, an ID and a password;
(S32) of accessing the authorized certificate management company server through the member terminal and registering the member as a member based on the member information, the ID and the password;
(S33) the member accesses the authorized certificate issuing server through the member terminal and inputs the member information and the authorized certificate password and receives the authorized certificate (S33);
Encrypting the member information, the public certificate and the public certificate password of the member having issued the public certificate, and transmitting the encrypted member information to the public certificate management company server (S34);
(S35) of storing a public certificate and a public certificate password received by the public certificate management company server in a DB form on the basis of member information;
(S36) a member accesses a financial institution server through a member terminal, inputs an ID and a password to confirm membership, and enters transaction information;
A step S37 of the financial institution server requesting the authorized certificate password of the member;
(S38) when the member terminal receives the authentication certificate password of the member and encrypts the member certificate and transmits it to the financial institution server;
A step S39 of the financial institution server transmitting the member's authorized certificate password to the authorized certificate management company server;
A step (S40) of decrypting and authenticating the authorized certificate management company server based on the member information and the authorized certificate password, encrypting the authentication result, and transmitting the encrypted result to the financial institution server;
And a step (S43) of allowing the financial institution server to approve and execute the financial transaction if the authentication result coincides with the authentication result. The authentication method according to claim 1, Company-based easy payment method.
The method according to claim 6,
A simple settlement method based on an accredited certificate management company for preliminarily registering the accredited certificate in a separate accredited certificate management company,
Between steps S40 and S43,
(S41) if the authentication result matches, the financial institution server encrypts the authorized certificate password and transmits the encrypted password to the authorized certificate issuance server for final authentication;
And a step (S42) of encrypting the final authentication result and transmitting the final authentication result to the financial institution server (S42). The method of claim 1, Easy payment method based on management company.


KR1020150086725A 2015-06-18 2015-06-18 Simple Payment System based on Certificate Management Company and Method thereof KR101744706B1 (en)

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Cited By (1)

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KR20220138117A (en) 2021-04-05 2022-10-12 비즈플레이 주식회사 System and method for managing payment authority of easy payment for corporates and computer program for the same

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20220138117A (en) 2021-04-05 2022-10-12 비즈플레이 주식회사 System and method for managing payment authority of easy payment for corporates and computer program for the same

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