KR20000037063A - Electronic decision using terminal for card reader - Google Patents

Abstract

PURPOSE: An electronic payment system using a card reader is provided to eliminate a possibility of a card related information in a general electronic commerce by installing the card reader to a personal computer, receiving a card information from the card reader by a user swiping the card, and processing the card information by an input control DLL. CONSTITUTION: An electronic payment system using a card reader comprises a credit card(1), a card reader(2) and a terminal(3) connected to a server(4). The credit card's track1, conforming to the ISO/IEC 7813, includes all the kinds of credit related information. The credit related information is transmitted to the web server(4) after it is swiped in a slot of the card reader(2). The terminal(3) can let the user check an input result via an interactive application process by downloading an input control DLL using ActiveX control from a browser.

Description

Electronic payment system using a card reader {ELECTRONIC DECISION USING TERMINAL FOR CARD READER}

The present invention relates to an electronic payment system using a card reader, and more particularly, to a user concept of using a card reader and a card to input user information, thereby preventing a fraudulent use due to exposure of a card number and a password. It relates to an internet payment system.

In recent years, e-commerce through the Internet has been rapidly increasing, so-called online shopping malls, tickets, railroads, and hotels that allow users to purchase goods directly through the Internet without going through an intermediate stage between a consumer and a sales company. For example, online shopping, the payment method is to enter the customer's credit card or cash card number, and if necessary, enter the password of the card to pay for the goods, and do not need a separate store In addition, labor costs and logistics costs can be minimized, so there is an advantage of providing goods at low cost to consumers. However, the payment screen of the current e-commerce related construction site that is paying for these payments receives additional information through the keyboard based on the user's card number, English name of the card, and the expiration date of the card. In the case of the Internet banking service where the final payment method is the mainstream and the user authentication method by submitting the current digital signature is the mainstream, most of the methods of inputting the user name and the corresponding information (password) It is being adopted. The transaction method described above has a problem that the use process is complicated because important information about the card is input to the public during the input process, and there is a problem that another person can steal the customer's card number and password.

Therefore, in the process of payment processing of an e-commerce related construction site, the purchaser's card information input process is simplified and the information is hidden to demand a more reliable internet e-commerce payment system.

In order to solve the problems described above, the present invention adopts a card checking method when inputting card information as one of the methods for activating electronic commerce through the Internet, and provides convenience of input, and complies with the usual ISO standard. The development of input control DLL using card format and ActiveX control (application processing for mapping of card information required for e-commerce card payment) and the concealment of card information using it make it more reliable The purpose is to provide a business model for providing a transaction, that is, an electronic payment system using a card reader.

1 is a flowchart illustrating an electronic payment system input processing process using a card reader according to the present invention.

2 is a flow chart of an electronic payment system input processing process using a card reader according to the present invention

3 is a flowchart illustrating a process of processing an internet banking system using a debit card according to the present invention.

4 is a flowchart illustrating a process of processing an internet banking system using a debit card according to the present invention.

5 is a flowchart showing a product purchase processing process using a debit card according to the present invention.

6 is a flow chart showing a product purchase processing process using a debit card according to the present invention

Sign of drawing

(1) credit cards (1 ') debit cards (2) card readers (3) terminals (4) web servers

In order to achieve the above object, the present invention attaches an existing commercial card reader to a PC (keyboard type, RS-232 type) to receive the card information through the ONE check method. In this case, the present invention relates to an electronic payment system using a card reader, which is based on a model design which can eliminate the possibility of information disclosure by internal processing through an input control DLL using an ActiveX control.

Hereinafter, described with reference to the accompanying drawings of the present invention.

1 is a flowchart illustrating an electronic payment system input processing process using a card reader according to the present invention, FIG. 2 is a flowchart of an electronic payment system input processing process using a card reader according to the present invention, and FIG. 3 is a direct debit according to the present invention. 4 is a flowchart illustrating a process of processing an internet banking system using a card, and FIG. 4 is a flowchart illustrating a process of processing an internet banking system using a debit card according to the present invention, and FIG. 5 is a process of purchasing a product using a debit card according to the present invention. 6 is a flowchart illustrating a process of purchasing a product using a debit card according to the present invention, wherein a credit card (1), a debit (1 '), a card reader (2), a terminal (3), and a web server are shown. It can be seen that (4).

In detail the operation steps,

In step (a1) of FIG. 1 and FIG. 2, a screen for requesting input of essential information of a transaction card is displayed during a payment process using a card when operating an e-commerce related site.

In step (a2), a credit card (1) commonly used, a card reader (2) with a built-in keyboard and RS / 232 (serial communication method), and a terminal (3) connected to a web server (4) are used. By checking the credit card (1) to be used using the configured system once through the card reader (2), all kinds of information stored in the magnetic comply with the same format as in step (a3), that is, the ISO / IEC 7813 standard. Among them, various information (card number, English name, expiration date) in TRACK1 are transmitted to web server 4, and input control using ActiveX control implemented as process sub as in step (a4) Through the interactive application processing which can download the DLL from the browser and run in its own process area, that is, the terminal 3, the buyer provides an interface for checking only the input result, and the credit card (1) as in step (a5) )tablet The electronic payment system using the card reader is completed by the beam input.

3 and 4,

Step (b1) is a start step for processing the Internet banking system using the debit card (1 ') represents the input of the user's member information, step (b2) represents a login process using the user name and password, step ( b3) is a screen for receiving the transfer account number and the target information to be transferred, etc. In the card number input screen of step (b4), the debit card 1 'and the card reader (2) of step (b5) In the same manner as in step (a2) described above, through the check process of the debit card (1 ') to transmit the card number, which is the information of the debit card to the web server (4) that provides the Internet banking service Web server (4) shows the card password input step of step (b7) through the step (b6) and confirm the card number at the same time, the debit card is completed by outputting the normal processing message (b8) on the screen Internet banking system used All.

5 and 6,

In the case of online purchase of goods using the debit card 1 ', the shopping mall site that can be linked with the Internet banking system construction financial site is modeled, and the shopping mall site enters the member's information as a starting step for the system processing process. c1), the step (c2) completes the login process using the user name and password, and step (c3) the transfer account number and the transfer to select the goods to be purchased and the bank of the debit card (1 ') It is a screen for receiving the target information to be input, etc., and when the input is completed, the screen is switched to the screen of step (c4), which is a bank site, and steps (c5) to (c9) are the above-mentioned steps (b3). The method of step (b8) is applied, it is a purchase processing process using a debit card, characterized in that it can be returned to step (b3) of the purchase site again.

The electronic payment system using the card reader of the present invention is not limited to the above-described embodiments and can be variously modified and implemented within the range permitted by the technical idea of the present invention.

As described above, the present invention is a method for activating electronic commerce through the Internet, and provides convenience of input by adopting a card check method when inputting card information. By providing more reliable transactions between individuals, it has the effect of providing an opportunity to revitalize the Internet business.

In particular, even if information is leaked, it is more secure because payment on the Internet in real time is impossible without a card.

Claims (4)

In the electronic payment system using a card reader, Cards using a general-purpose card (1, 1 '), a card reader (2) with built-in keyboard and RS / 232 (serial communication method), and a terminal (3) connected to a web server (4). The electronic payment system using a card reader, characterized in that comprises a one-time check through the card reader (2) to transmit all kinds of information stored in the magnetic to the web server (4). The method according to claim 1, wherein when the card reader (2) using the credit card (1) is checked, the buyer can download the input control DLL using the ActiveX control from the browser and execute the interactive application processing that can be executed in his or her own process area. Electronic payment system using a card reader, characterized in that to provide an interface that can confirm only the input result. The method according to claim 1, wherein when the card reader 2 is checked using the debit card 1 ', an input control DLL using an ActiveX control is downloaded from a browser and executed through an interactive application process that can be executed in its own process area. An electronic payment system using a card reader, characterized by providing an Internet banking service to the user. The method of claim 1, wherein when checking the card reader (2) using the debit card (1 '), the purchaser through an interactive application processing that can download the input control DLL using the ActiveX control from the browser and run in its own process area. The electronic payment system using a card reader, characterized in that it provides an interface that can confirm only the input result, and having a payment method using a debit card (1 ').