KR19990058407A - Electronic Commerce Method Using Electronic Wallet System - Google Patents

Abstract

The present invention relates to an electronic commerce method using an electronic wallet system, wherein a security module installed in a terminal of a conventional electronic wallet system is secured on an object to which an electronic store is to be opened, and transactions are performed using the electronic module. The purpose is to simplify the transaction authentication process and reduce the time required for objects in each phase.

The electronic commerce method using the electronic wallet system of the present invention, in the electronic commerce method, provided with a security module provided in the terminal of the conventional electronic wallet system on each object to establish an electronic store, After generating the authentication data for the commerce performed on the object through the security module provided, the generated authentication data is transmitted to the security module provided in the upper object to be authenticated.

Description

Electronic Commerce Method Using Electronic Wallet System

The present invention relates to an electronic commerce method, and more particularly, to use a conventional electronic wallet system to simplify the transaction authentication process for each step component of the electronic commerce network and to shorten the time required for initiating electronic commerce. The present invention relates to an electronic commerce method using an electronic wallet system.

E-commerce, a growing trend in recent years, connects consumers and sellers directly to the public telecommunications network, supports direct transactions and instant payments between each other, and provides intermediate margins to products during intermediate distribution stages such as wholesalers and retailers. By shortening and shortening the shelf life, it aims to promote the interest of both consumers and sellers.

As a typical example of such electronic commerce, an online store that opens various electronic stores such as Cyber Mall and Electronic Shop, sells various goods, or makes reservations and payments for airline tickets, railways, hotels, etc. On-line shopping.

1 is a view showing a concept of a conventional electronic commerce. As shown in FIG. 1, the conventional electronic commerce is mostly to use a credit card as a main payment method, and thus a credit card holder (1), a merchant (2), a credit card merchant (3) and a financial institution ( The cardholder 1 and the merchant 2, that is, the seller, can communicate with each other via the Internet 6 in the electronic commerce network.

In the sale of goods through the electronic commerce network having such a configuration, as the payment is performed by the credit card, the legitimate authentication of the credit card transaction including the legality determination of the credit card user 1 and the direct signature process of the consumer are essential. Is required. However, it takes a separate transmission time to transmit a large amount of the corresponding information in the transaction authentication process, there is a problem that the overall e-commerce is delayed because a considerable time is required even in the signature process of the consumer. In addition, in order to verify the signature of a consumer, the signature is set and stored in advance, and compared with a later written signature. Therefore, it is not limited to operating a separate certification authority and its subordinate organizations responsible for managing such a signature. Operating costs are consumed.

SUMMARY OF THE INVENTION The present invention has been made to solve the problems as described above, the conventional electronic wallet system to simplify the transaction authentication process for each step component of the e-commerce network and shorten the time required to start the electronic commerce Its purpose is to provide an electronic commerce method using.

The electronic commerce method using the electronic wallet system of the present invention for achieving the above object, in the electronic commerce method, provided with a security module provided in the terminal of the conventional electronic wallet system on each object to establish an electronic store And generating authentication data for the commerce executed on the corresponding object in the electronic commerce through the provided security module, and then transmitting the generated authentication data to the security module provided in the higher level object to be authenticated. It features.

In addition, in the electronic commerce method using the electronic wallet system as described above, it is preferable that the establishment of an electronic store and the construction of a security module are possible on all objects at any stage.

1 is a view showing a concept of a conventional e-commerce,

2 is a view showing the configuration of a conventional electronic wallet system,

3 is a diagram illustrating the concept of electronic commerce using the electronic wallet system of the present invention.

*** Explanation of symbols for the main parts of the drawing ***

1: credit card holder, 2: merchant,

3: credit card merchant, 4, 40: issuing bank,

5, 50: purchase bank, 6, 60: electronic store,

10: electronic wallet, 12: electronic wallet terminal,

14: system service provider, 16: financial network center,

18, 70: Bank of Korea, 20: Wallet holder,

30: Wallet wallet

Hereinafter, an electronic commerce method using an electronic wallet system according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

First, the electronic commerce method of the present invention is implemented using a conventional electronic wallet system. Hereinafter, the configuration of the conventional electronic wallet system will be described in detail with reference to FIG. 2. As shown in FIG. 2, the conventional electronic wallet system is a traffic / communication terminal that reads various information including an electronic wallet 10 such as a skat card and a predetermined amount of money stored in the electronic wallet 10. Receives information read from the electronic wallet terminal 12 and the electronic wallet terminal 12 such as a merchant terminal or a special terminal, that is, various transaction information, and processes the information based on previously stored data and an operation program, and processes the information processing result. In the system service provider 14 and the system service provider 14 which transmits to a predetermined financial institution which is contracted in advance and receive various information processing results, the electronic wallet 10 is used for payment. Transfer the details of withdrawal data to the electronic wallet issuing bank (4) and transfer the details of the deposit data according to the payment using the consumer's electronic wallet (10) to the electronic wallet purchase bank (5). And it is configured to include the co-financing network center (16) for requesting the payment of the difference between withdrawal and deposit to the Bank of Korea (18).

In addition, an independent security module (SAM) is provided for each object on an object which is a component of each step of the electronic wallet system as described above, and the PPSAM is issued in the electronic wallet issuing bank 4 and the purchasing bank 5. (Purse Provider SAM), System Service Provider 14 SSAM (Service Provider SAM), Electronic Wallet Terminal 12 PSAM (Purchase SAM), Financial Common Network Center 16 CSAM (Center SAM) These are each provided.

On the other hand, the electronic commerce method of the present invention has the configuration as described above, is performed based on the electronic wallet system having an independent security module for each object, financial institutions that attempt to e-commerce by opening an electronic store Each object including the fields 4, 5, and 18 includes a security module, and an electronic commerce method using the electronic wallet system of the present invention can be implemented by performing an electronic wallet transaction using an electronic store. As described above, the concept of electronic commerce performed using the electronic wallet system is illustrated in FIG. 3. Referring to FIG. 3, the electronic commerce method according to the present invention will be described as follows. First, the electronic wallet affiliated store 30 opens an electronic shopping mall, that is, the electronic store 60 in a public communication network such as the Internet. The opened electronic store 60 is equipped with a PSAM (Purchase Secure Application Module), which is a security module for transaction authentication, and the electronic wallet owner 20 as the electronic wallet owner 20 purchases a product through the electronic store 60. ), The transaction data generated between the electronic store 60 and the electronic wallet affiliated store 30 is transmitted to the Bank of Korea 70 where the difference settlement is performed through the electronic wallet issuing bank 40 and the purchasing bank 50. In the transaction data transmission, before the transaction data is transmitted to the upper security module provided in the financial institutions 40, 50, and 70, authentication data is generated from the security module provided in the corresponding object and transmitted to the upper security module. You will be certified. Therefore, data authentication between the objects of each stage, which is essential for electronic commerce, can be simplified.

According to the electronic commerce method using the electronic wallet system of the present invention as described above, PSAM, which is a security module mounted on a terminal of a conventional electronic wallet system, is provided on an object opening an electronic store, and transactions are made using the same. By doing this, the transaction authentication process for each object can be simplified and the time required for e-commerce. And by using the electronic wallet as a payment method of the electronic commerce there is an effect that can be conveniently carried out a small amount.

Claims (2)

In the electronic commerce method, A security module provided in a terminal of a conventional electronic wallet system is provided on each object for opening an electronic store, and the authentication data for the commerce performed on the object during the electronic commerce is generated through the provided security module. After that, the electronic commerce method using the electronic wallet system characterized in that the authentication data is transmitted to the security module provided in the object of the higher level. The electronic commerce method using an electronic wallet system according to claim 1, wherein the establishment of the electronic store and the construction of the security module are possible on all objects at any stage.