KR20000017964A - Keyboard including a function of card identification, security system on electronic commerce, and method of purchasing goods used by the system - Google Patents

Abstract

PURPOSE: A keyboard having a card reading function is provided to achieve the information security while providing credit information in the communication network for the electronic commerce. The electronic commerce security system and the goods purchasing method using this system are provided to increase the credibility of transaction by making a charge settlement to a settlement institute with credit card, direct payment card, cyber cash or bank account without the exposure of the credit information of information provider. CONSTITUTION: The keyboard(10) having a card reading function is composed of a keyboard(12) comprising function key, word key, number key, special key and so forth, and a card reading device installed a part of the keyboard(12) and reading the information of a card comprising a magnetic part. The goods purchasing method using the electronic commerce security system comprises a goods selection step(S4), a settlement selection step(S6), checking steps(S24¯S30) and a settlement confirmation step(S32).

Description

Keyboard including a function of card recognition, security system on electronic commerce, and method of purchasing goods used by the system}

The present invention relates to a keyboard having a card recognition function, an electronic commerce security system, and a method for purchasing goods using the same, and more particularly, means for inquiring through a card of various electronic money functions such as a credit card and a bank card or a contactless type. By providing a keyboard equipped with a checker and using such a keyboard to purchase goods through communication or by directly providing the card or account information for payment to the payment institution, the user's credit information is paid without being leaked to the information provider. The present invention relates to a keyboard having a card recognition function, an electronic commerce security system, and a method of purchasing goods using the same.

With the widespread use of personal computers and the commercialization of the Internet, the selection of goods on telecommunications and the payment for such goods are generally carried out. The commodity trading in the above-described manner is called an electronic commerce. In the conventional method of purchasing a product by directly visiting a store, there is an inconvenience of requiring time and labor for purchasing the commodity separately. However, with the rapid development of communication technology, home banking, which carries out financial transactions through financial lines such as banks in general households, and home shopping, which purchases products at home, are widely used. have. In addition, if the customer's credit information is entered in the credit information field posted on the homepage to purchase the product provided on a specific site of the Internet, the payment is made by applying for the payment and the goods are delivered. The purchase is made. In the case of using a credit card, the credit information may be provided to the seller of the goods such as a card number, expiration date and password.

The purchase of goods by such e-commerce is convenient because it is approved on the spot, and it is easy to use at home without having to go to the store. have.

By the way, transmission data such as credit information provided on the Internet described above could be hacked by a highly specialized hacker during or after transmission, and be exploited by an information provider who opened a homepage. Possessed. Therefore, the user is reluctant to use freely due to the anxiety of using the e-commerce, and for this reason, there is a problem of being a factor that prevents rapid growth despite the convenience described above.

An object of the present invention is to provide a keyboard with a card recognition function that can recognize various cards while performing a keyboard-specific function, and in particular to provide information security while providing credit information in communication for electronic commerce. There is.

It is another object of the present invention to ensure that payment is made to a payment institution by credit card, debit card, electronic money or bank account, etc. without leaking credit information to an information provider or the like on a communication where electronic commerce is made. The present invention provides an electronic commerce security system and a method of purchasing goods using the same.

1 is a view showing an embodiment of a keyboard with a card recognition function of the present invention.

2 is a block diagram showing an example of the configuration of a system for purchasing goods in which credit information is guaranteed according to the present invention.

3 is a flowchart illustrating a method for purchasing goods using an electronic commerce security system of the present invention.

4 is a diagram illustrating an example of an inquiry that can be performed while paying with the card of FIG.

FIG. 5 is a diagram showing an example of inquiry when making a payment with an account of the bank of FIG.

FIG. 6 is a diagram showing a relationship between a user, a communication seller, and a financial settlement institution of FIG.

※ Explanation of codes for main parts of drawing

10: keyboard 12: keyboard

14 non-contact recognition portion 16 magnetic tape portion

18: user system 20: input unit

22: input signal processor 24: memory

26: control unit 28: transceiver

30: information provider server 32, 36, 40: database

34: financial settlement institution server 38: transporter server

Keyboard with a card recognition function according to the present invention for achieving the above object, the keyboard is provided with a function key, a letter key, a numeric key, a special key; And a card reader installed at one side where the keyboard is formed to read information of a card having a magnetic formed thereon, wherein the card is used as a credit card, a debit card, a department store card, or a "prepaid card" type electronic card. This card has a recognized financial settlement function such as money.

The keyboard may further include a contact or contactless card reader capable of reading chip information embedded in the card.

An electronic commerce security system according to the present invention is provided with an information provider server for providing sales information of a predetermined article, and a financial settlement institution server for performing financial settlement, so that electronic commerce in communication is performed. A keyboard having a magnetic tape section for reading the recorded information and a non-contact recognition section for reading the information stored in the IC card; Memory for storing information such as various card information or account number for payment of goods made in the communication, Memory for supporting the input and output of the amount, balance, etc. for the card or account; A transmission / reception unit connected to a communication network to perform input / output of data; And the card information input from the keyboard and the financial information stored in the memory are transmitted to the financial settlement institution server connected to a communication network to provide to the transceiver for the financial settlement, and an information provider for electronic commerce. And a control unit for controlling access to the financial settlement institution separately, and the electronic system is connected to the information provider server and the financial settlement institution at the same time by a separate line.

In addition, the article purchase method using the electronic commerce security system according to the present invention, the information provider server for providing the sales information of the article, and the financial settlement institution server for performing the financial settlement is connected to the communication network, the user is connected to this communication network Performing an electronic commerce transaction, comprising: selecting a desired product by accessing an internet shopping site of the information provider server; A payment method selection step of selecting a payment method such as using a safe or a card scan of the amount of the goods; An inquiry step of accessing the financial settlement institution server through a separate line and inquiring the usage history or balance of the payment method; And a payment confirmation step of confirming the establishment of the payment by applying for the payment by providing the stored financial information after the inquiry.

And, the use of the safe may select one of the information on the card payment, bank transfer, electronic money, the information on the card payment, bank transfer, electronic money may be made to be selected by storing one or more individual information, respectively. . Here, the individual information may include a unique number and password and expiration date of the card or account.

The card scan preferably scans a user's card using a separate card reader.

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

An embodiment of a keyboard with a card recognition function of the present invention is schematically shown in FIG. 1, wherein the keyboard 10 is a keyboard 12 formed of a special function key, a letter key, a numeric key, and the like, and is stored in a card. And a non-contact recognition unit 14 for reading card information, and a magnetic tape unit 16 for reading card information recorded on the magnetic.

The keyboard 10 may be connected to a main body or a terminal of a computer, and performs an input operation using the keyboard 12 or a card inquiry function for inquiring a credit card or an IC card.

Specifically, the input operation using the keyboard 12 may be used in the same way as a commercially available keyboard, and in the case where the magnetic card is to be inquired, the magnetic tape unit 16 may read the magnetic information in the slot of the magnetic tape unit 16. Pass the card so that the card information can be read.

In order to obtain the card information recorded inside the card, such as the RF card or the IC card, the card information is automatically read when the RF card or the IC card is touched or approached.

The keyboard 10 according to the embodiment of the present invention configured as described above may be used as a keyboard required by a general personal computer or another system, and basically performs a text operation, a keyboard for programming, or a menu selection. Can perform the original function of the keyboard. In addition, it can be used as a means for e-commerce, home banking or home shopping in general homes, and can be used simply for customers' credit inquiry when necessary in general financial institutions.

An example of an electronic commerce security system and an article purchasing method using the same will be described in more detail with reference to FIGS. 2 to 6.

First, referring to FIG. 2, a keyboard 10 including a keyboard 12, a non-contact recognition unit 14, and a magnetic tape unit 16 is connected to a user system 18, and the user system 18 is a communication network. It is connected to the information provider server 30 and the financial settlement institution server 34 connected through.

The user system 18 may include an input unit 20 through which a signal is input from the keyboard 10 and a predetermined program, a memory 24 for storing various data, and a controller for controlling all operations of the user system 18 ( 26) and a transceiver 28 for connecting to the outside via a wired or wireless transmission line.

The information provider server 30 and the financial settlement institution server 34 are provided with databases 32 and 36, respectively. In addition, a carrier server 38 is connected to the communication network with its own database 40.

An embodiment configured as described above will be described with reference to FIG.

First, when the user accesses the communication network for electronic commerce, the user is connected to the information provider homepage provided by the information provider server 30 providing the product information (S2). After searching the various items provided on the homepage and selecting the products to be purchased (S4), the information provider requests to pay for the corresponding items. Then, the user accesses the financial settlement institution server 34 through a line separate from the line currently connected by the access program stored in the memory and pays for the corresponding amount. At this time, the user system 18 makes a selection for the payment method (S6).

That is, whether to use the user's safe stored in the memory 24 using the built-in software program (S8), or whether to scan the card through the non-contact recognition unit 14 or the magnetic tape unit 16 (S16) Will be selected. In the case of selecting a safe, whether to provide information about the card stored in the memory 24 again (S10), whether to provide information about accounts opened in various banks (S12), or use electronic money It is selected whether or not (S14).

Card payment provides information on various cards of a user stored in the memory 24 in the user system 18, and includes information such as a card number, expiration date, and a user name. In addition, in the case of account transfer, information about an account in which the user has already registered home banking in each bank is stored, and information such as an account number and a password is stored. In addition, in the case of electronic money, information such as unique number, password, and issuer name of electronic money is stored.

Since such information is provided directly from the user system 18 to the financial settlement institution server 34, rather than through the information provider server 30, the user's credit information is prevented from leaking to the outside, and the user is assured of e-commerce. Can be used.

If the card payment is to be selected (S18), and even if the bank transfer is selected, the registered bank account is selected (S20). In the case of electronic money, the type of registered electronic money can be selected (S22).

As above, the user needs to manage the amount of money at an appropriate level or select the available means. The user can search the usage history to be paid by the settlement date by the amount and total amount (S24, S26), and the available balance. It may be necessary to list and inquire (S28, S30) and manage.

An example of list creation is shown in FIG. 4 and FIG. 5, which shows a list of various cards, and FIG. 5 shows a list for each bank account. When you click on an item in this list, detailed data about it is displayed at a glance, including dates, details, amounts, and totals. Since this information is currently connected to the financial settlement institution server 34, it can be provided in real time, and is configured to display data previously paid in the form of a data sheet.

After such usage history inquiry and balance inquiry are made, the payment means is selected, and the user selects the payment means. Then, the financial settlement institution server 34 pays the amount for the article (S32), and the confirmation is transmitted to the user and the information provider server 30 to inform that the settlement for the article has been established. In particular, the information provider server 30 will be provided with the authorization code from the financial settlement institution server 34 will be billed for the amount of money to the institution that later paid for the amount.

When the payment is made, the information provider requests the user to input the delivery address of the goods and the name or telephone number of the recipient, and the user inputs the information (S34).

As a result, a series of electronic commerce such as payment and transportation of purchased goods is performed.

For reference, the information provider may provide the carrier server 38 with information about the storage location and the delivery address of the goods so that the goods can be delivered to the user.

In addition, the relationship of each access entity in such an e-commerce is shown in Figure 6, the relationship between the user, the information provider, the financial settlement agency and the transporter is presented.

When a user connected to the communication network accesses the information provider's home site and makes an application for purchase (1), the information provider requests payment for the corresponding article (2). Then, the user makes a payment application (3) through a separate line to the financial settlement institution, and the financial settlement institution receives the payment amount from the information provider (4) and provides the payment confirmation (5) and the approval code (6). . In addition, the information provider makes a delivery request (7) to the carrier, and the carrier may make an electronic commerce in a flow of confirming the delivery (8).

As described above, according to the above-described embodiment of the present invention, since the leakage of credit information of the user who uses the e-commerce through the communication network is prevented in advance, no financial damage occurs, and the user can rest assured by the e-commerce and financial settlement. There is an advantage that e-commerce is activated. That is, the user can enjoy convenience and home shopping for financial transactions, and the information provider can obtain an increase in sales due to the activation of financial transactions.

Therefore, according to the present invention, payment can be conveniently made using a card or an account in an electronic commerce, and the credit information of the individual is not leaked, so that the user can make a financial settlement with confidence.

In addition, since the financial transaction in the communication network is made stable, electronic commerce is activated, thereby increasing sales.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the technical scope of the present invention, and such modifications and modifications are within the scope of the appended claims.

Claims (9)

Keyboard equipped with function keys, character keys, numeric keys, special keys, etc .; And A card recognizer installed at one side of the keyboard to read information of a card having a magnetic formed thereon; Keyboard with card recognition function, characterized in that provided. The method of claim 1, The card is a keyboard with the card recognition function, characterized in that the card having a recognized financial settlement function, such as credit card, debit card, department store card. The method of claim 1, The keyboard with the card recognition function, characterized in that the contact or contactless card reader that can read the chip information embedded in the card is further installed. In the system which is provided with an information provider server for providing sales information of a predetermined article, and a financial settlement institution server for performing financial settlement, the electronic commerce in the communication, A keyboard having a magnetic tape section for reading information recorded on the magnetic of the card and a non-contact recognition section for reading the information stored in the IC card; Memory for storing information such as various card information or account number for payment of goods made in the communication, Memory for supporting the input and output of the amount, balance, etc. for the card or account; A transmission / reception unit connected to a communication network to perform input / output of data; And The card information input from the keyboard and the financial information stored in the memory are transmitted to the financial settlement institution server connected to the communication network, and provided to the transceiver for the financial settlement, and the information provider for electronic commerce. A controller for controlling access to the financial settlement institution separately; E-commerce security system characterized in that the e-commerce is made by simultaneously connecting the user system having a separate line to the information provider server and the financial settlement institution. In the information provider server for providing the sales information of goods and the financial settlement institution server performing the financial settlement is connected to the communication network, the user is connected to the communication network to perform electronic commerce, An article selection step of accessing an internet shopping site of the information provider server and selecting a desired article; A payment method selection step of selecting a payment method such as using a safe or a card scan of the amount of the goods; An inquiry step of accessing the financial settlement institution server through a separate line and inquiring the usage history or balance of the payment method; And A payment confirmation step of confirming the establishment of a payment by applying for a payment by providing the stored financial information after the inquiry; Article purchase method using an e-commerce security system characterized in that it comprises a. The method of claim 5, The use of the safe is a method of purchasing goods using the electronic commerce security system, characterized in that one of the information on the card payment, bank transfer, electronic money using a program embedded in the user's computer is selected. The method of claim 6, The information on the card payment, bank transfer, electronic money is a product purchase method using the electronic commerce security system, characterized in that each one or more individual information is stored and selected to be selected. The method of claim 7, wherein The individual information is a product purchase method using the electronic commerce security system, characterized in that it comprises a card or account unique number and password. The method of claim 5, The card scan is a product purchase method using the electronic commerce security system, characterized in that for scanning the user's card using a separate card reader.