KR20000030170A - Money exchange method for electronic settlement using tele-communication network and hybrid card - Google Patents

Abstract

PURPOSE: An electronic approval method using communication network and hybrid card is provided to simplify an electronic settlement by not typing a number of a credit card or an EFT/POS(electronic funds transfer at the point of sales) and personal credit information when performing an electronic commercial transaction. CONSTITUTION: A personal terminal(100), an electronic shopping mall server(200), a card authenticating server(300), and a card settlement server(400) are interconnected through a communication network. The personal terminal(100) reads data recorded in a disk storing medium(2) of a hybrid card(1) through a disk storing medium drive(10) and performs an electronic commercial transaction and an electronic settlement through the communication network according read data. An electronic shopping mall server(200) performs an electronic commercial transaction through a communication with the personal terminal(100). The card authenticating server(200) authenticates an EFT/POS or a credit card through the communication network. The card settlement server(400) pays a transaction money to a bank account of a corresponding shopping mall.

Description

Electronic payment method using communication network and hybrid card {MONEY EXCHANGE METHOD FOR ELECTRONIC SETTLEMENT USING TELE-COMMUNICATION NETWORK AND HYBRID CARD}

The present invention relates to an electronic payment method using a communication network and a hybrid card, and more particularly, to an electronic payment method using a communication network and a hybrid card that can perform electronic payment more safely and conveniently during electronic commerce.

In general, cards used for financial transactions include credit cards, debit cards, bank payment cards, prepaid cards and securities cards. Such financial transactions cards generally have a rectangular shape (eg, plastic). The user's name and the serial number of the card are engraved on the thin plate, and the hologram sticker is attached to prevent the copying of the card, and the magnetic tape including the credit information such as the serial number of the card A signature sticker is attached.

The credit card of the above-mentioned financial transaction cards, when the user presents the credit card at the merchant of the credit card, inquires the presented card through a card reader connected to the credit card company online, Credit cards that allow credit transactions to the extent possible and do not exceed the usable amount limit are used for credit transactions, which are credited by credit card companies to card users after a certain period of time.

And, debit card (EFT / POS, eletronic funds transfer at the point of sales), when the user presents the debit card at the merchant of the debit card, the card presented to the financial institution (for example, bank) If the balance is inquired through the card reader connected online and online, and the balance over the transaction amount is left in the financial account connected to the debit card, the amount traded from the financial account is immediately withdrawn to the merchant.

In addition, a debit card is a card used to withdraw cash from a bank account or withdraw money from a bank's financial account, or to transfer funds. Recently, a phone banking or a computer of a customer Home banking using Wi-Fi and telecommunications networks is widely used, but it has a disadvantage in that it is difficult to encrypt authentication information such as passwords and is vulnerable to security.

A prepaid card is a card that allows a user to freely purchase goods or services from time to time within the balance of the card by receiving a card in which the user pays a certain amount in advance and records the corresponding amount. There are telephone cards, bus cards, and subway tickets.

On the other hand, in recent years, as electronic commerce through computers and communication networks (for example, the Internet, etc.) is activated, the necessity for electronic payment through computers and communication networks is emerging, and research on this is being actively conducted. Electronic payments were mainly performed using a credit card payment system.

When the credit card payment system inputs personal information and credit card information of the user through a personal terminal, name, address, credit card number, and expiration date of the user, and provides the key input to the electronic shopping mall server. In the electronic shopping mall server, transaction information is added to personal information and credit card information input from a personal terminal, and the transaction is provided to a credit card company and a payment request is made.

However, according to the conventional electronic payment method using a credit card as described above, since a user inputs a credit card number, personal information (name, address, etc.) and password through a personal terminal during an electronic commerce transaction. In addition, it was not easy to use, but the key input contents were easily leaked through the communication network, which was vulnerable to security.

In addition, according to the conventional electronic payment method using a credit card as described above, the purchase of the desired goods or services to the server of the electronic shopping mall, and then the credit card number, personal information (name, address, etc.) and password, etc. If you enter, the e-shopping mall server bills the credit card company, so you can be assured that you will be charged more than the price of the item you have selected, or you will be charged for the item you did not purchase. There was a problem of lack of reliability to ensure.

For example, some time ago, a Russian hacker hacked a credit card company's data storage server through a telecommunication network to steal customer credit information and then used it to intimidate the credit card company.

Accordingly, the present invention has been made to solve the problems of the prior art as described above, and the user's credit information and credit card or debit card information recorded on the disk storage medium of the hybrid card even if the user does not enter a key In addition to the automatic transmission through the communication network, if the transaction details are encrypted from both the electronic shopping mall server and personal terminal at the same time into the card authentication server, the card number and It is an object of the present invention to provide an electronic payment method using a communication network and a hybrid card that can perform electronic payments more conveniently and safely during electronic commerce through a communication network.

1 (a) and (b) is a front and rear views showing a hybrid card used in the present invention,

2 is a schematic block diagram of hardware for carrying out the present invention;

3 is a flowchart illustrating an electronic payment method using a communication network and a hybrid card according to a preferred embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

1: Hybrid card 2: Disk storage medium

10: disk storage medium drive 100: personal terminal

200: electronic shopping mall server 300: card certificate server

400: card payment server

Electronic payment method using a communication network and a hybrid card according to the present invention for achieving the above object, the step of ordering goods or services by connecting to the electronic shopping mall server through the communication network in a personal terminal, transaction history and payment in the electronic shopping mall server Providing the amount to the card authentication server and requesting payment, and reading the personal credit information and the debit or credit card information recorded in the disk storage medium of the hybrid card at the personal terminal and providing it to the card authentication server. And comparing the information provided from the personal terminal with the registered information according to the payment request of the electronic shopping mall server in the card authentication server and authenticating or rejecting the debit or credit card requested for payment according to the comparison result; , The debit card or credit card requested by the card authentication server If the card payment server accepts and approves the transaction, the card payment server checks whether the debit or credit card is requested and whether the payment can be made for the payment request amount. If possible, characterized in that the step consisting of approving the transaction and transferring the payment amount to the account of the electronic shopping mall server.

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

1 (a) and (b) is a front and rear views showing a hybrid card used in the present invention, (a) of the Figure is a front view, (b) of the Figure is a rear view.

1, the hybrid card (1) used in the present invention is made of a transparent material (for example, plastic, etc.) that is light and has a high hardness, and its size and shape are similar to those of a general financial transaction card. Same as the specification.

Here, the hybrid card 1 has a disk storage medium 2 having a predetermined diameter (for example, about 5 [cm]) in which credit information for electronic payment is recorded, and the serial number of the card is located on the front side thereof. And letters and numbers (3) indicating the name of the user and the like are engraved with the embossing process.

For reference, the disk storage medium 2 may record or read data by an optical pickup method such as a compact disk ("disk storage medium") or a digital variable disk ("DVD"). Any type of storage medium can be used.

In addition, the front of the hybrid card 1 has a magnetic recording tape 4 on which credit information for general card transactions is recorded, and a hologram sticker 5 and a signature sticker 6 to prevent unauthorized copying of the card. Attached.

On the other hand, since there are no printed contents or attachments on the rear surface of the hybrid card 1, the contents recorded on the disk storage medium 2 can be read out by the optical pickup method through the rear surface.

Here, the disk storage medium 2 has an authentication number of a card to be used for a debit card transaction or a credit card transaction through a communication network and a pop-up menu for accessing the authentication server through a computer communication network and a computer communication network. Up program), data stored in the electronic address, etc. of the electronic shopping mall, copy protection code that prevents duplication of the recorded contents of the disk storage medium 2, and data for transmission through the communication network, An encryption processing program for decrypting input data is stored.

FIG. 2 is a schematic block diagram of hardware for carrying out the present invention. As can be seen with reference to the drawings, hardware for carrying out the present invention includes a disk storage medium drive 10, a keyboard (KB) and a mouse ( It consists of a personal terminal 100, an electronic shopping mall server 200, a card authentication server 300 and a card payment server 400 having M).

Here, the personal terminal 100, the electronic shopping mall server 200, the card authentication server 300 and the card payment server 400 are interconnected via a communication network (for example, the Internet).

The personal terminal 100 reads the data recorded on the disk storage medium 2 of the hybrid card 1 through the disk storage medium drive 10 and electronic commerce and electronic payment through a communication network according to the read data. Perform

The electronic shopping mall server 200 performs an electronic commerce through communication with the personal terminal 100, the card certificate server 200 authenticates a debit card or credit card through a communication network.

The card payment server 400 pays the transaction price to the bank account of the shopping mall for the card authenticated through the card certificate server (300).

An operation example of the present invention using the hardware configured as described above will be described with reference to FIGS. 1 to 3.

First, the user operates the personal terminal 100 (S10) and executes a communication program to access the server 200 of the electronic shopping mall through a communication network (S20).

Next, the user selects a product or service on the shopping screen provided by the server 200 of the electronic shopping mall and orders a purchase or delivery (S30), and then pays using a debit card on the shopping screen, using a credit card. The payment method is selected whether to pay (S40).

If the user has selected a debit card payment method (S50), the electronic shopping mall server 200, the unique number and the electronic address of the shopping mall server and the goods or services contents (e.g., brand name and quantity) The transaction information on the payment amount is encrypted to simultaneously transmit the encrypted transaction information to the personal terminal 100 and the card certificate server 300 (S60).

At the same time, on the screen of the personal terminal 100, a prompt for inserting the hybrid card 1 into the disk storage medium drive 10 is displayed, whereby the user inserts the hybrid card 1 into the disk of the personal terminal 100. When inserted into the storage medium drive 10, the personal terminal 100 reads data recorded in the disk storage medium 2 of the hybrid card 1 (S70).

In this case, the personal terminal 100 synthesizes the credit information and the debit card number of the customer recorded on the disk storage medium 2 of the hybrid card 1 with the transaction information transmitted from the electronic shopping mall server 200 and again. After the encryption is transmitted to the card authentication server 300 (S80).

The card authentication server 300 decrypts the encrypted information input from the electronic shopping mall server 200 and the personal terminal 100 and checks the number of the debit card, personal information and transaction information to be settled accordingly, and personal terminal. Ask to enter password at 100.

When the user inputs a password through the personal terminal 100 according to a request for inputting a password from the card authentication server 300, the personal terminal 100 encrypts the password and transmits the password to the card authentication server 300 (S90). ).

If the card authentication server 300 checks the password transmitted from the personal terminal 100 against the registered password (S100), and if the matching result does not match, the process proceeds to step S180 to perform an error process, while matching the matching result. The debit card number of the hybrid card 1 is authenticated (S110).

At the same time, in the card certificate server 300, transaction information such as product or service information and payment amount sent from the electronic shopping mall server 200 and transaction information such as product or service information and payment amount transferred from the personal terminal 100 are stored. It is determined whether or not it matches (S120). If the result of the determination does not match, the process proceeds to step S180 to perform error processing.

On the other hand, if the transaction information of both of the determination result in the step (S120), the card authentication server 300 transmits the information such as the authorized debit card and the user's credit information and payment amount to the card payment server 400 By requesting the transaction approval and payment (S140).

The card payment server 400 determines whether the debit card is available according to the request from the card authentication server 300 and compares the requested payment amount with the balance of the bank account connected to the debit card (S150). It is determined whether payment is possible (S160). If the determination is not possible, the process proceeds to step S180 to perform error processing.

On the other hand, if it is determined in step S160 that payment is possible, the card payment server 400 approves the transaction of the debit card and transfers the payment amount to the bank account of the shopping mall (S170).

On the other hand, if the user has selected the credit card payment method in step S50, the product or service content (e.g., brand name and Quantity and the like) and the transaction information on the payment amount is encrypted to simultaneously transmit the encrypted transaction information to the personal terminal 100 and the card authentication server 300 (S190).

At the same time, a prompt for inserting the hybrid card 1 into the disk storage medium drive 10 is displayed on the screen of the personal terminal 100, so that the user inserts the hybrid card 1 into the disk of the personal terminal 100. When inserted into the storage medium drive 10, the personal terminal 100 reads data recorded in the disk storage medium 2 of the hybrid card 1 (S200).

In this case, the personal terminal 100 synthesizes the credit information and the credit card number of the customer recorded on the disk storage medium 2 of the hybrid card 1 to the transaction information transmitted from the electronic shopping mall server 200 and again. After the encryption is transmitted to the card authentication server 300 (S210).

The card certificate server 300 decrypts the encrypted information input from the electronic shopping mall server 200 and the personal terminal 100 and checks the credit card number, personal identification information and transaction information to be settled accordingly. Ask to enter password at 100.

When a user inputs a password through the personal terminal 100 according to a request for inputting a password from the card authentication server 300, the personal terminal 100 encrypts the password and transmits the password to the card authentication server 300 (S220). ).

In the card authentication server 300, the password transmitted from the personal terminal 100 is checked against the registered password (S230). If the matching result does not match, the process proceeds to step S300 and error processing is performed. The credit card number of the hybrid card 1 is authenticated (S240).

At the same time, in the card certificate server 300, transaction information such as product or service information and payment amount sent from the electronic shopping mall server 200 and transaction information such as product or service information and payment amount transmitted from the personal terminal 100 are stored. If it matches (S250), and if it does not match, the process advances to step S300 to perform error processing.

On the other hand, if the transaction information of both of the determination result in the step (S120), the card certificate server 300 transmits the information such as the credit card and the user's credit information and payment amount to the card payment server 400 By requesting the transaction approval and payment (S260).

The card payment server 400 checks whether the credit card is stolen or overdue or exceeded the usage limit according to the request from the card authentication server 300 (S270), and determines whether payment is possible according to the result of the check. If it is determined that settlement is not possible (S280), the flow advances to step S300 to perform error processing.

On the other hand, if it is determined in step S280 that payment is possible, the card payment server 400 approves the transaction of the credit card and automatically transfers the payment amount to the bank account of the shopping mall (S290).

As described above, according to the present invention, since the user does not have to input the credit card or debit card number and personal credit information at the time of electronic commerce, electronic payment becomes very simple and the keyed contents are leaked to the outside. There is no concern.

In addition, according to the present invention, the transaction number is encrypted from both the electronic shopping mall server and the personal terminal is simultaneously input to the card authentication server, and the card certificate server in the card authentication server only if the card number and the corresponding transaction is matched By authenticating, the security and the reliability of the electronic payment on the communication can be greatly improved, and the user can use the electronic payment more safely.

Claims (4)

Ordering a product or service by connecting to an electronic shopping mall server through a communication network in a personal terminal, A step of requesting a payment by providing a transaction history and a payment amount in an electronic shopping mall server to a card authentication server; A step of reading personal credit information and debit card or credit card information recorded in the disk storage medium of the hybrid card in the personal terminal and providing it to the card authentication server; In the card authentication server, comparing the information provided from the personal terminal with the registered information according to the payment request of the electronic shopping mall server and authenticating or rejecting the debit or credit card requested for payment according to the comparison result; If the debit card or credit card requested for payment is authenticated by the card authentication server, requesting for approval and payment of the transaction to a card payment server; The card payment server checks whether the debit card or credit card that has been requested to be used for payment and whether the payment can be made for the payment request amount. Electronic payment method using a communication network and a hybrid card, characterized in that consisting of steps for transferring. The method of claim 1, wherein the personal terminal enters a password associated with a credit card or debit card to the card authentication server, The card authentication server is an electronic payment method using a communication network and a hybrid card, characterized in that the authentication of the credit card or debit card for which payment is requested only when the input password matches the registered password. According to claim 1 or claim 2, The electronic shopping mall server when the user requests a product or service provides information on the transaction history at the same time to the personal terminal in addition to the card authentication server, The personal terminal synthesizes the information on the transaction history provided from the electronic shopping mall server with the credit information of the individual recorded in the disk storage medium of the hybrid card and the information of the credit card or debit card to the card certificate server. Provide, The card authentication server is an electronic payment method using a communication network and a hybrid card, characterized in that to authenticate the credit card or debit card only when the transaction details provided from the electronic shopping mall server and the personal terminal respectively match. 4. The communication network and hybrid card according to claim 3, wherein all personal information, transaction details, and all information related to a credit card or a debit card, which pass between the personal terminal, the electronic shopping mall server, and the card authentication server are transmitted. Electronic payment method using.