KR20000049788A - Personal ID automatic delivery and security by telecommunication system - Google Patents

Abstract

PURPOSE: A system for delivering and securing proper number automatically by use of a wire/wireless communication, is provided to identify use admission by transmitting to a corresponded site, bank, a stock company, and credit card company, and to identify and protect an individual ID use and corresponded user specifications through transmitting an e-mail, by use of all of individual IDs such as credit card number, or Internet login ID. CONSTITUTION: A system for delivering and securing proper number automatically by use of a wire/wireless communication, identifies and prevents an illegal use of credit card by transmitting a corresponded site address or franchise name which a user uses self credit card, to an individual wire/wireless terminal via an e-mail, when doing e-business or paying with the credit card or an Internet. If the user uses self resident registration number so as to register on an Homepage, the system secures an illegal use of the resident card by transmitting the registration to the user with an e-mail, through a specific server. The system matches the proper ID with a telephone number, calls a corresponded user before using the proper ID, and identifies either a real user, to identify a normal use of the proper ID previously. When the credit card or resident registration card is lost, the system prevents damage previously, and identifies a legal use of the proper ID again, by identifying identity of user.

Description

Personal ID automatic delivery and security by telecommunication system

In recent years, as communication technology has developed and society has become more complex, the use of online payment systems, such as electronic payments using credit cards or cash cards, or electronic commerce using the Internet, has increased rapidly. . The online payment system using such communication checks the identity of the customer by using a separate authentication system when the customer requests a payment using a business or an internet shopping mall. This authentication system is configured to confirm the identity of the customer by granting each customer an ID and password by allowing the customer to enter their ID and password. At this time, the card reader is provided with a magnetic tape that records the customer's ID, such as a credit card, cash card, or other ID card, so that the customer can easily enter the ID. In some cases, they can be read. Therefore, the customer could enter the ID directly or by using the card, and if necessary, enter the password to confirm the customer's identity and pay the price using the online payment system. However, since the ID or password used in the authentication system may be exposed to other people, there is a problem that other people may use the customer's ID and passwords illegally. In particular, credit cards and cash cards can be duplicated and passwords are easily exposed when using them.In addition, due to the inconvenience of procedures, only the signature written on the back of the card and the one recorded by the user in the sales slip can be compared without entering a separate password. Since the identity of the user is confirmed, there is a problem in that fraudulent use is easy. This problem is not only occurred in the above-described transaction system, but is common to all kinds of systems that enable identification of customers or visitors using IDs and passwords, such as security systems. Therefore, there is a need for a new recognition system that can prevent fraud due to exposure of a customer's ID or password without using a copyable card. According to the method, when other people use on-line with personal ID or credit card, the information can be instantly and real-time sent to the owner's wired / wireless communication terminal by sending a message or e-mail. .

When paying with a credit card at an internet shopping mall or the Internet, or when paying with a credit card at a credit card merchant, the technology of transferring a credit card number to a specific server when using a credit card, compares the transmitted information with a personal ID on the server, and searches for credit There is a need for an Internet URL address used by a cardholder, a credit card merchant, and a technology for transmitting a credit card payment to a personal wired or wireless communication terminal. The technology to send the registered personal information to a specific server when signing up for each site on the Internet, and to send the message to wired and wireless communication terminals for the address and registration of the site to the person who subscribed the searched information. The technology that automatically generates the message of individual ID usage history to send the individual ID usage history (credit card merchant and internet site URL, payment history, member registration site URL address) to wired, wireless, or e-mail need.

1 is an overall configuration diagram

2 is a text message transmission flowchart

3 is a security method flow chart after sending a text message

According to the present invention, each customer owned wired and wireless terminal 50, each customer ID (resident registration number, credit card number, securities card number, passport number, cash card number, CYBER CARD number) and wired, wireless communication terminal A specific server 10 in which the number of 50 is recorded is established, and the server 40 is capable of transmitting data to the terminal 50 using wired or wireless communication, and through wired, wireless communication or the Internet. Is connected to the specific server 10 includes an input means 70 for inputting the customer's ID (resident registration number, credit card number, securities card number, passport number, CYBER CARD number) and wired and wireless communication terminal number In order to purchase goods on the Internet with a customer's unique ID, you can pay with a credit card, use your social security number to register as a member at any homepage, use a cash card at an ATM, or use stock trading. In the case of using the security number by trading with the securities, when all the data is input to the specific server 10 in real time, the specific server searches for the ID of the customer and the searched result, that is, the unique ID of the customer and the wired / wireless of the customer. The above-mentioned information is sent to the customer's wired / wireless communication terminal when the communication terminal number, the message to be transmitted to the wired / wireless communication terminal, and the e-mail are simultaneously transmitted to the data transmission server and the message is transmitted to the transmitted wired / wireless communication terminal number. (Ie, cash card usage history, credit card usage history, cyber securities transaction history, website membership registration status, website URL address and cyber card usage history) are displayed. The wired / wireless communication terminal 50 generally uses all types of wired and wireless communication terminals capable of message communication, such as a mobile phone, a wireless pager, a PCS, a PDA, and an IMT200. The specific server 10 inputs the ID of the subscriber and the wired / wireless communication terminal number to process the database so that the customer can use the credit card in an Internet shopping mall or a credit card merchant or as a member of a homepage or a cash card. When you withdraw cash or make a cyber stock transaction with a stock card, the usage information is sent to a specific server 10 in real time, and the inputted information is searched to find the input information. The wireless communication terminal number is transmitted to the data transmission server 40. The data transmission server 40 serves as a message transmission server of a mobile communication company to transmit the wired / wireless communication terminal number and the message contents of the customer transmitted from the specific server 10 to each customer. It is a system to check whether the customer used his or her own ID or someone else used the customer's unique ID by sending the message to the wired / wireless communication terminal where the customer registered. . Therefore, after the customer uses a credit card merchant, cash dispenser, cyber stock transaction, registration of any Internet site, or an Internet shopping mall, the customer ID is used as a message to the personal wired / wireless communication terminal in real time. If you use an illegal customer ID, immediately contact the credit card company, the stock exchange, the bank, and the homepage for membership registration to verify your identity and to protect yourself from fraudulent customer ID theft. Can prevent damage. In addition, it sends a message to the personal wired and wireless communication terminal and sends it to the registered member's personal e-mail.

Referring to the configuration of the overall invention in Figures 2 and 3 constitute the present invention in the following flow. If the customer uses the unique ID (200) at the location of use, the used ID is transmitted to the integrated security server (201) and retrieves the transmitted ID and wired / wireless communication terminal number (202) if the member is not registered as a member. When the license is received and registered as a member and retrieved, the ID usage history is automatically generated (203) and transmitted to the message transmission service server (204). The ID usage information is sent in a message (205) and the customer confirms (206) by message or e-mail. If the customer confirms whether the message or e-mail has been used (303) and used by the customer, the client sends YES to the customer's wired / wireless communication terminal or internnet or checks only. When the non-usable NO is transmitted to the user 305, the integrated security server 305 issues a stop transaction command 306 to the user who used the ID and makes a confirmation call to the customer's wired / wireless communication terminal number directly by contacting the customer. Prevent identity theft of unauthorized customers.

As described above, according to the present invention, when a customer purchases a product on a credit card owned by a customer and pays with a credit card in real time, the customer owns a wired / wireless communication terminal owned by the credit card at the corresponding site. Send a message or e-mail to a personal wired or wireless communication terminal that you have made a payment. If someone illegally duplicates your credit card or leaks your credit card number and password, you can send a message to your wired or wireless communication terminal. Since e-mail is sent, you can check in real time to prevent fraudulent credit card use. In addition, a message is sent to wired / wireless communication terminals even when a member registers as a member on the member registration site, which prevents another person from stealing his / her own social security number to be disadvantaged by registering on a certain site. The manager of the member is a legitimate member and actually registered as a member by his / her own intention, so that the reliability of personal information is increased compared to other homepages, and the economic burden of asking whether or not the facts can be reduced. In particular, in case of an event event that gives a prize to a member who has given a lot of prizes, it can be used very effectively because the prize can be given without checking when the prize is provided.

Claims (5)

Internet shopping or product purchase If you have to make an e-commerce transaction on an Internet site or pay with a credit card on the Internet, the site or credit card merchant using the credit card with your personal wired or wireless communication terminal (cell phone, pager, etc.) By using the personal wired / wireless communication terminal, the site address and merchant name can be sent by message and e-mail to check and prevent illegal credit card use, and to use the social security number to register as a member on the Internet homepage. A security system that prevents the use of illegal resident registration cards by sending messages and e-mails through the specified server to the user's wired / wireless communication terminal as a member of the URL address of the site and the corresponding homepage. Match the unique ID of credit card number, social security number, passport number, driver's license number and cash card number with phone number and contact the owner before using the unique ID with the owner or party's wire / wireless communication terminal. By verifying the identity of the owner or party, it is easy to confirm in advance the legitimate use of a unique individual ID. If someone else cheats on your credit card or ID card, check your identity to prevent damage and reconfirm the legitimate use of your unique ID. When trading stocks in cyber securities using the Internet or stocks in securities stores, when customers use cash machines with a cash card, and when making financial transactions using telebanking, customers' unique IDs (cash card numbers, Securities card number, Internet cyber securities trading login ID, bank account number) allows you to check the usage of stock transactions, cash card withdrawals, and telebanking in real time. System that can confirm registration or cancellation by sending information by double message and e-mail. Check the message or e-mail sent to the individual's wired / wireless communication terminal to check whether the relevant contents (credit card payment history, cash card usage history, cyber stocks, homepage member registration contents, telebanking usage history) are approved. System that can transmit to personal wired / wireless communication terminal, that is, the YES cannot be used, the license is transmitted, and the transaction is suspended when the use is not possible, and the number is confirmed by contacting the number of wired / wireless communication terminals. Ask. If you use your individual ID, such as your ID card, credit card, cash card, telebanking, stock trading, etc. for membership of each site, the information is collected from a specific server and delivered to the telecommunications company. System that delivers information to individual ID holders in real time individually and via e-mail If the customer's individual ID is used, the system sends the message and e-mial to the wired / wireless communication terminal at the place where it was used. If the customer uses a credit card, the card company or the card issuing bank can use the service. If you register as a member in the site to register, or if you sign up as a member in the member registration site to send membership to itself. When using a cash card at an ATM or a financial transaction using telebanking, the bank builds a DB and transfers the details, or when a stock is sold at a securities store or cyber securities, a DB is built by the securities company. Send it.