KR19990053067A - Small Electronic Payment Based Online Service Method - Google Patents

Abstract

The present invention relates to a microelectronic payment-based online service method that enables micropayment on the Internet. The present invention relates to a micropayment based online service method, which registers a user who uses a micropayment based online service, issues an electronic money using a hash function, By providing a low-cost electronic payment-based online service method to perform a low-cost payment according to the payment, electronic money is inexpensively and securely transferred only with a hash function for issuing and using electronic money when providing services in connection with an internet store, When conducting an opinion survey by an advertiser or a survey, you can view the advertisement by issuing e-money that can be used in e-commerce applications to readers or respondents, or by converting it into real-world cash when it reaches a certain amount. To facilitate the questionnaire The number of respondents is increased, and the issued electronic money can lead to the use of electronic commerce service.

Description

Small Electronic Payment Based Online Service Method

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a small electronic payment based online service method that enables small payments on the Internet. In particular, the present invention relates to a small electronic payment based online which issues electronic money using a hash function and performs a low-cost payment according to service use. It relates to a service method.

Recently, a lot of attention has been paid to the field of electronic commerce applications in the field of online services on the Internet. Among these e-commerce applications, transactions such as articles such as newspapers, magazines, articles, articles, real estate information, purchases of information such as database search, billing fees, sales of low-cost software such as games, plug-ins, etc. It is expected that inexpensive Internet stores will emerge one after another. Therefore, there is a need for an online service method by a small electronic payment method suitable for such an internet store.

However, the current online service method for microelectronic payments has not been developed, so the services of the Internet shops are not utilized.

In order to solve the above problems, the present invention is to register a user using a microelectronic payment-based online service, to issue electronic money using a hash function, and to perform a low-cost electronic payment based on the service use Providing a method of online service, when conducting an opinion survey by an advertiser or questionnaire, issuing electronic money for use in an e-commerce application to readers or respondents to the questionnaire, or in real world cash for a certain amount By exchanging money, it aims to promote viewing of advertisements, increase the number of questionnaire respondents, and lead the issued electronic money to the use of electronic commerce services.

1 is a process flow diagram for user registration according to the present invention;

2 is a processing flow diagram for receiving an electronic money according to the present invention;

3 is a process flow diagram for service usage and payment.

<Explanation of symbols for main parts of drawing>

10: Buyer 20: Payment Center

30: Seller

The present invention relates to a micro-payment based online service method, and more particularly, to an online service method that enables micropayments on the Internet. The present invention relates to a user registration protocol comprising a user registration request step and a user registration notification step, and an electronic money issue. An electronic money issuing protocol comprising a request step, an electronic money issuing request response step, a payment center initialization step, an electronic money issuing step, an electronic money issuing step, an electronic money confirmation and result notification step, and a payment center end step, a service request step, A service payment information notification step, a payment center initialization step, a service fee payment step, a service fee payment processing step, a payment processing confirmation result notification step, and a service usage and payment protocol.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a process flow for user registration according to the present invention, wherein user registration occurs once per payment center 20 before using a microelectronic payment based online service, respectively, when an electronic money is issued and when the service is used. The first step in which the buyer 10 transmits the user information to the payment center 20 using the R1 message to request user registration, and the R2 message after the payment center 20 performs the user registration. Using a second step of notifying the purchaser 10 of the user registration.

First, in the first step, after the purchaser 10 installs the electronic wallet, the purchaser 10 sends a message R1 requesting user information registration to the payment center 20 (101).

Here, the configuration of the R1 message is as follows.

The public key of the payment center 20 is included in the distribution of the electronic wallet, and the private key that only the payment center 20 knows the secret key KS generated by the purchaser 10 for encrypting the message R2 of the user registration permission stage. In order to decrypt only the payment center 20, the value encrypted with the public key (KUcenter) of the payment center 20 is transmitted to the message R1, and the detailed format of the message R1 is shown in the following table (1). .

Message R1 HeaderType UM1: User Registration Request ID User wallet identifier Name Registered username Address address e-mail Email address etc Other information KUcenter [KS] The value of encrypting the secret key (KS) for encrypting message R2 in the user registration permission stage with the public key (KUcenter) of the payment center.

Next, the payment center 20 receiving the user information registration request message of step 101 transmits a user registration notification message R2 to the purchaser 10 (201), and the payment server registers the user. Thereafter, the payment center 20 encrypts the secret information (Custom_Secret) generated for each buyer 10 by using the secret key KS generated by the buyer 10 and transmits it securely. And, the monetary value transmits the electronic money with zero in the message R2. The detailed format of message R2 is shown in the following table (2).

R2 message HeaderType UM2: user registration permission ScripType Electronic money (ScripType) KS [Custom_Secret] Encrypt Custom_Secret

2 is a flowchart illustrating a process for receiving an electronic money according to the present invention. After reading a questionnaire response, quiz solving, or advertisement provided by an internet shop, the buyer 10 issues the electronic money to the seller 30 by M1 message. After the requesting step 1 and the seller 30 having received the M1 message have examined the response of the buyer 10, the buyer ID (M2 message) is used to display the transaction ID and the amount of the transaction, which are the basis for issuing electronic money. 10) a second step of responding to the request for issuing electronic money, a third step of initializing the payment center 20 by transmitting a transaction ID as an M3 message to the payment center 20, and the buyer 10 Electronic money ScripType and hash value for concatenation of secret information Custom_secret shared by buyer 10 and payment center 20 are transmitted as M4 message, and the integrity and message authenticator of electronic money. Performing a fourth step of issuing and issuing electronic money, and validating the electronic money by the payment center 20 having received the M4 message by checking a hash value, updating the currency in the normal case, and updating the updated money. a fifth step of transmitting the hash value for the concatenation of the newScripType and the secret information Custom_secret to the purchaser 10 as an M5 message to perform the integrity and message authentication function of the electronic money, and to issue the electronic money; After performing the integrity of the electronic money, the electronic money held by the buyer 10 is transmitted to the payment center 20 in an M6 message, and the payment center 20 transmits the electronic money held by the buyer 10 to the electronic money. The sixth step of providing authentication for electronic money and notifying the result of the electronic money and the end of the electronic money payment is sent by the M7 to the purchaser 10 to terminate the payment center 20. A seventh step.

First, in the first step, the electronic money issuance request 103 is issued through message M1, and the detailed format of message M1 is shown in Table 3 below.

M1 message HeaderType GM1_1: Electronic money issue request Item Issue numbers, such as ads, surveys, and quizzes Value User Responses to Services

In the second step, the electronic money issuance request is responded to via message M2. The payment center 20 examines the electronic money issuance request message M1 of the purchaser 10 and transmits the message M2 having the message header GM2_1 or GM2_2 to the browser of the buyer 10 through the seller 30. Message M2 having a message header GM2_1 means an electronic money issuance permission, and the electronic money issuance information is data shared by the purchaser 10 and the payment center 20 as the basis for issuing the electronic money. Message M2 with the message header GM2_2 transmits 104 in the form of an HTML document that the payment server cannot issue electronic money to the user (104). The detailed format of message M2 is shown in Table 4 below.

M2 message HeaderType GM2_1: Electronic money issuance permission information VendorId Information from the Internet store, ServerType TranID Transaction identifier value Issue amount currency Currency type HeaderType GM2_2: Information that cannot be issued for electronic money HTML document Reasons for Issuing Electronic Money

In the third step, the payment center 20 is initialized through the message M3. The buyer 10 receiving the electronic money issuance request response transmits the M3 message to the payment center 20 (105), so that the electronic money issuance initialization can be performed. The detailed format of message M3 is shown in Table (5) below.

M3 message HeaderType GM3_1: Payment Server Initialization TranID Transaction identifier

In the fourth step, electronic money issuance is initiated through message M4. In order to provide the integrity of electronic money in addition to the electronic money held by the purchaser, the purchaser 10 has a hash value of H [ScripType || The message M4 including Custom_Secret] initiates an electronic money issuance protocol with the payment center 20 directly without passing through the seller 30 (106). The detailed format of the M4 message is shown in Table (6) below.

M4 message HeaderType GM4_1: Start issuing electronic money ScripType Electronic money stored in the user's electronic wallet H [ScripType || Custom_Secret] Hash Value for ScripType and Custom_Secret pCount Recurrence of Electronic Money HeaderType GM4_2: Cancellation of Electronic Money

In the fifth step, electronic money is issued through message M5. The payment center 20 checks the validity of the electronic money sent by the purchaser 10, increases the amount of electronic money by the amount of money included in the electronic money issuance information, reissues the electronic money, and reissues the electronic money. In step 107, the message header is transmitted to the purchaser 10 through message M5 having GM5_1. In the case where the message header is GM5_2, GM5_3, or GM5_4, the electronic money cannot be issued. The detailed format of message M5 is shown in Table 7 below.

M5 message HeaderType GM5_1: Electronic Money Transfer newScripType Electronic money with a renewed amount H (newScripType || Custom_Secret) hash values for newScripType and Custom_Secret pCount Recurrence of Electronic Money = 0 HeaderType GM5_2: Electronic money validity error HeaderType GM5_3: refuse to issue electronic money HeaderType GM5_4: Payment server error ScripType Electronic money sent by the user H (ScripType || Custom_Secret) Hash Value for ScripType and Custom_Secret pCount pCount = pCount + 1

In this case, the fourth and fifth steps need to be securely and securely transferred to a small electronic payment, due to the nature of small payments, so that a time and costly public key cryptosystem or a shared key cryptosystem is not used. It provides integrity of electronic money and message authentication service only by using hash function.

In the sixth step, the electronic money is confirmed and a result is notified through the M6 message. After validating the electronic money issued by the payment center 20, the M6 message is transmitted to the payment center 20 according to the result (108). In a normal case, message M6 having the header of the message GM6_1 is transmitted to the payment center 20, and GM6_2 is a message header requesting retransmission of the electronic money by the purchaser 10 who has detected an electronic money validity error. The detailed format of the M6 message is shown in Table (8) below.

M6 message HeaderType GM6_1: end of electronic money issuance HeaderType GM6_2: Electronic money retransmission request HeaderType GM6_3: Canceling Electronic Money Issuance newScripType Electronic money updated by the payment center H (newScripType || Custom_Secret) hash values for newScripType and Custom_Secret pCount pCount = pCount + 1

In the seventh step, the payment center 20 terminates through message M7 to end electronic money issuance (109). As a response message to the payment center 20 initialization by the M3 message of the third step, it is an HTML document in the Internet store. Currency issue information or service pages may be selectively transmitted.

3 is a process flow diagram for service usage and payment, in which a purchaser 10 requests a service provided by an internet store and a seller S2 message requesting payment of a service fee for service use. A second step of notifying service payment information by transmitting to the purchaser 10 and an S3 message initializing the payment center 20 by identifying the transaction of the buyer 10 receiving the S2 message to the payment center 20. A third step of transmitting and initializing the payment center 20, a fourth step of paying a service fee by transmitting electronic money in an S4 message with order information based on the service fee information received from the S2 message; After the payment center 20 receives the S4 message and reissues the electronic money, the service fee is paid by transmitting the reissued electronic money as a hash value with the secret information. A fifth step of processing and confirming the currency updated by the S5 message based on the money held by the purchaser 10 before transmitting the S5 message and the service fee provided in the S2 message, and newly updated electronically. And a seventh step of transmitting a service selected by the purchaser 10 and transmitting a service selected by the S6 message to inform whether payment is accepted.

In the first step, a service is requested through message S1. Each buyer 10 connected to the Internet store makes a purchase request by transmitting information on a service to be purchased and whether or not the service is transmitted to a browser in a message S1 (110). The detailed format of the S1 message is shown in Table 9 below.

S1 message HeaderType PM1_1: Service Purchase Request Request-URL The service you are buying pMethod Select the transfer type of the purchased service (View or Save)

In the second step, the service payment information is notified through the message S2 (111). Here, message S2 whose header of the message is PM2_1 is payment information of a service to be purchased by the user, and is payment processing ground data between the purchaser 10 and the payment center 20. Message S2 whose header of the message is PM2_2 is a message transmitted to the browser when the buyer 10 cannot sell the service. The detailed format of the S2 message is shown in Table 10 below.

S2 message HeaderType PM2_1: service payment information VendorId (ServerType) Information of Internet store TranID Transaction identifier requestURL Service you want to purchase price price currency Monetary unit deliveryMethod How to save a purchased service (View or Save) HeaderType PM2_2: Stop selling services HTML document Reasons to focus on selling services

In the third step, in order to pay the service fee, the payment center 20 is initialized through the S3 message. The buyer 10 receiving the service payment information by the message S2 transmits the message S3 to the payment center 20 to initialize the payment center 20 for payment processing (112). The detailed format of the S3 message is shown in Table 11 below.

S3 message HeaderType PM3_1: Payment Server Initialization TranD Transaction identifier

In the fourth step, the service fee is paid through message S4. The buyer 10 connects to the payment center 20 based on the message S2 and transmits a fee to pay message S4 for service purchase (113). The detailed format of the S4 message is shown in Table 12 below.

S4 message HeaderType PM4_1: Confirm payment processing ScripType Electronic money stored in the user's electronic wallet pOder Payment Information in PM2_1 Message H (ScripType || pOder || Custom_Secret) Hash values for Scrip, pOder and Custom_Secret pCount Number of electronic money retransmissions (= 0) HeaderType PM4_2: Cancel payment processing

In the fifth step, the service fee is processed 114 through message S5. After checking the validity of the electronic money paid by the buyer 10, the payment center 20 purchases the buyer 10 based on the payment information. Re-issue the electronic money corresponding to the balance by reducing the amount of the electronic money presented by the user, and transmit message S5 whose message header is PM5_1. Message S5 whose message headers are PM5_2 and PM5_3 is a message transmitted when payment processing cannot be performed. The detailed format of the S5 message is shown in Table 13 below.

S5 message HeaderType PM5_1: Electronic money balance transfer newScripType Electronic money with a renewed amount H [newScripType || Custom_Secret] Hash value for newScripType and Custom_Secret pCount Electronic money retransmission count (= 0) HeaderType PM5_2: Electronic Money Validation Error HeaderType PM5_3: Payment Server Error ScripType Electronic money paid by the user pOder Payment information in PM2_1 message H [ScripType || pOder || Custom_Secret] Hash values for ScripType, pOder, and Custom_Secret pCount pCount = pCount + 1

In the sixth step, the payment processing confirmation and the result 115 are notified 115 through the message S6. After checking the validity of the electronic money corresponding to the balance after receiving the payment through the payment processing of the payment center 20, an error is detected. If so, retry the payment process by sending message S6, which is the message header PM6_2. In the normal case, the payment is terminated by the S6 message of the message header PM6_1. The detailed format of the S6 message is shown in Table 13 below.

Message S6 HeaderType PM6_1: Payment processing ends HeaderType PM6_2: Electronic money retransmission request HeaderType PM6_3: Payment Processing Failed newScripType Electronic money issued by the payment center in balance H [newScripType || Custom_Secret] Hash value for newScripType and Custom_Secret pCount pCount = pCount + 1

In the seventh step, the service is transmitted to the general HTTP request message through message S7 (116).

In addition, the symbols used in the user registration protocol, electronic money issuance protocol and service usage and payment protocol are defined as follows.

X represents a component of a microelectronic payment based online service, and || represents a concatenation. KUx represents the public key of X, and KS represents the secret session key. KUx [M] indicates that message M is encrypted with X's public key KUx, and KS [M] indicates that message M is encrypted with secret session key KS. H [M] represents a hash value obtained by applying the hash function H to the message M. The structure of the message header (HeaderType) and the electronic money (ScripType) used to describe the message is defined as shown in Table 14 below.

Message header structure: HeaderType cmdType The types of headers are largely classified into UM (user registration) messages, GM (electronic money issuing) messages, and PM (payment processing) messages. protocolVersion Version Information of Microelectronic Payment Protocol serverDate Protocol execution time errorMessage Common error message Electronic money structure: ScripType Electronic money (ScripType) HashAlgorithm Hash Algorithm Identifier scrip Data structure of ScripBodyType certificate Electronic money certificate ScripBodyType currency Monetary unit value Amount of electronic money VendorId Data structure of ServerType ScripId Monetary Issue Information Identifier as IdType CustomId Publish Custom_Secret as IdType Ad Service identifier field such as advertisement, survey expirationDate Electronic Money Expiration Date ServerType DnsName Payment server's domain IpAddr IP address ServerName Internet shops mutual port Payment server port number IdType secretId Identifier of secret information serialNumber Serial Number

As described above, the microelectronic payment-based online service method according to the present invention transmits electronic money inexpensively and safely with only a hash function for issuing and using electronic money when providing a service in connection with an internet store, and providing an advertiser or questionnaire. In order to facilitate the viewing of advertisements by issuing electronic money that can be used in e-commerce applications or by converting it into real world cash when a certain amount is paid to the reader or answering the questionnaire, The number of questionnaire respondents is increased, and the issued electronic money can be induced to the use of electronic commerce service.

The present invention provides a small electronic payment-based online service method that registers a user who uses a small electronic payment-based online service, issues an electronic money using a hash function, and performs a low-cost payment according to the use of the service. Among the e-commerce applications that use and provide a small amount of electronic money, services such as the purchase of information such as newspapers, magazines, articles, articles, real estate information, billing fees such as database searches, and the sale of low-cost software such as games and plug-ins In order to issue and use electronic money when providing services in connection with the internet store, the electronic money is cheaply and securely transmitted using only a hash function, and when a survey is conducted by an advertiser or a survey, ECommerce to Responders Issuing electronic money that can be used in the application field or converting it into real world cash when it reaches a certain amount can promote viewing of advertisements, increase the number of questionnaire respondents, and guide the issued electronic money to use e-commerce services. It can be effective.

Claims (4)

A small electronic payment based online service method for enabling small payment on the Internet, A first process of registering a user who wants to use an Internet commerce service; A second process of issuing electronic money at a payment center to the user of the first process; And a third step of paying a service fee by the user with the electronic money issued in the second step. The method of claim 1, The first step includes a first step in which a buyer transmits user information to a payment center to request user registration; And a second step of notifying the purchaser of the user registration after the payment center performs the user registration by the user registration request of the first step. The method of claim 1, The second process includes a first step in which a buyer requests a seller to issue electronic money after reading questionnaire responses, quizzes, or advertisements provided by an internet shop; A second step in which the seller, having received the electronic money issuance request message of the first step, examines the buyer's response and sends the transaction ID and the amount of money, which is the basis for issuing the electronic money, to the buyer to respond to the electronic money issuance request; Wow; A third step of the buyer transmitting the transaction ID to the payment center to initialize the payment center; Transmitting a hash value for the concatenation of the electronic money ScripType held by the buyer and the secret information Custom_secret shared by the payment center to perform electronic money integrity and message authentication to start issuing electronic money; The payment center receiving the message of the fourth step performs the validity of the electronic money by checking the hash value, and if it is normal, updates the currency to transmit the hash value for the concatenation of the updated money newScripType and the secret information Custom_secret to the buyer. A fifth step of issuing electronic money by performing the integrity and message authentication function of the electronic money; After performing the integrity of the electronic money issued by the payment center in the fifth step, the electronic money held by the buyer is transferred to the payment center, and the payment center provides authentication for the electronic money held by the buyer. A sixth step of notifying the currency and notifying the result; And a seventh step of terminating the payment center by sending the electronic money payment end message to the buyer after the sixth step is completed. The method of claim 1, The third process includes a first step in which a buyer requests a seller for a service provided by an internet shop; A second step of the seller notifying the service payment information by transmitting a message requesting payment of a service fee for service use to the buyer; A third step of initializing the payment center by transmitting a message for initializing the payment center to the payment center by identifying the transaction by the purchaser who has received the service payment message in the second step; A fourth step of the purchaser paying the service fee by transmitting the order information and the electronic money to the payment center based on the service fee information received from the message of the third step; A fifth step in which the payment center having received the order information and the electronic money message of the fourth step reissues the electronic money, and transmits the reissued electronic money to the buyer as a hash value of the secret information to process the service fee payment; The electronic money transmitted as the hash value with the secret information in the fifth step is confirmed based on the money held by the buyer before the fifth step and the renewed money based on the service fee provided in the second step. A sixth step of notifying the payment center whether or not to accept the updated electronic money to notify the payment processing confirmation result; And a seventh step of transmitting the service selected by the buyer.