KR20000063971A - Online credit card reverse approval system - Google Patents

Abstract

PURPOSE: An online credit card reverse settlement system is provided so that a card subscriber can carry out approval for a card member store directly after accessing a card company on line. CONSTITUTION: A card subscriber carries out purchasing at a card member store(H1) and requests settlement through his online electronic reverse settlement request unit(400)(H2). The electronic reverse settlement server(300) of a card company executes approval processing for the settlement request(H3) and transmits its result to the electronic reverse settlement request unit(400)(H4). The card member store confirms settlement approval through an electronic reverse settlement confirmation unit(500)(H5). The card subscriber receives a settlement number on line or off line after carrying out settlement(H6) and requests settlement approval confirmation to the electronic reverse settlement server(300) through the electronic reverse settlement confirmation unit(500)(H7).

Description

ONLINE CREDIT CARD REVERSE APPROVAL SYSTEM}

The present invention relates to a method of making a purchase in a commerce and making a payment using a card. The present invention relates to a system for allowing a card subscriber to access a card company online and directly approve a card merchant.

In the conventional online card payment system, the card merchant requests and approves a transaction approval to the card company through an online payment machine. The card merchant has to have a payment system connected to the card company online to make a payment. If you want to pay the card when ordering over the phone or if you need to leak your personal card number and personal information to the other party, or there is a problem that you need to send cash online through the bank.

In other words, the existing online card payment method is a method in which a card merchant requests a card company to approve a transaction for a buyer, and there is a lack of a means for a card subscriber to request a card company for payment online.

According to the present invention, the cardholder directly requests the online payment to the card company for the payment to the merchant, the card company sends the payment to the card subscriber online through the payment approval process for the request, and the card subscriber sends the payment result. The card holder has an online card payment system by sending online or offline to the merchant, and having the means for the card merchant to check the payment approval result online with the card company online or to receive the payment approval result online from the card company. This is to make payment securely and conveniently even outside the merchant.

1 is an electronic credit settlement request means for accessing a card company online by a card subscriber in an online credit card reverse payment system according to the present invention, and a credit card company which receives payment request from an online electronic reverse payment request means and performs payment approval processing. 1 is a block diagram showing a configuration of an embodiment of a reverse payment server and a reverse payment confirmation means of a card merchant capable of confirming payment approval for the request.

FIG. 2 is a block diagram illustrating a configuration of an embodiment in which the card subscriber of FIG. 1 enables online connection with several card companies through a single online channel.

3 is an online credit card reverse payment system according to the present invention, after a transaction occurs, a card subscriber makes a payment request online to the electronic reverse payment request means 400, and the electronic reverse payment server 300 of the card company performs a payment approval process. And, a flow chart showing an embodiment of the protocol that the card subscriber and card merchant can confirm the payment approval through the electronic reverse payment request means 400 and the electronic reverse payment confirmation means 500, respectively.

Hereinafter will be described in detail with reference to the accompanying drawings for the configuration and operation of the embodiment of the present invention.

1 is an electronic credit settlement request means for accessing a card company online by a card subscriber in an online credit card reverse payment system according to the present invention, and a credit card company which receives payment request from an online electronic reverse payment request means and performs payment approval processing. FIG. 1 is a diagram illustrating a configuration of an embodiment of a reverse payment server and a reverse payment confirmation means of a card merchant capable of confirming payment approval for the request.

The card subscriber's electronic reverse payment requesting means 400 allows the card subscriber to access the card company through the Internet and request a payment for the affiliate store, and receives the result, and also provides a history inquiry about the payment approval result. It may have a function of outputting the inquiry result.

The card company's electronic reverse payment server 300 performs a payment approval process for the card subscriber's payment request and delivers the result online to the card subscriber's electronic reverse payment requesting means 400, and confirms the electronic reverse payment of the card merchant. The means 500 may be delivered online. The card subscriber may perform a search process for the online payment approval inquiry request of the electronic reverse payment request means 400 and the electronic merchant payment confirmation means 500 of the card merchant, and may have a function of responding to the request.

Electronic card payment check means 500 of the card merchant can access the electronic card payment server 300 of the card company online to query the approval number paid by the card subscriber.

The entity (electronic reverse payment server 300, electronic reverse payment request means 400, electronic reverse payment confirmation means 500) may use encrypted communication to prevent information from being forged or tampered with online. The method may use a single key encryption method (eg DES, RC5, SEED) or a public key encryption (eg RSA). In addition, the entities may use an electronic authentication method for authenticating a partner online, and the method may use a single key encryption algorithm or an authentication method of a public key infrastructure. Authentication using a single-key encryption algorithm can use a challenge response scheme, such as a challenge response scheme, to prevent the authentication key from being reused by an attacker during transmission to share the authentication key online. The authentication method of the infrastructure is a method of authenticating a partner through the certification authority 600, and the authentication paths of the entities generate their own private and public key pairs, and transmit their own public key to the certification authority 600. Send to request authentication. The certification authority 600 issues a digital signature (eg, X.509) by digitally signing the public key of the requestor with the private key of the certification authority. The entities can then verify that the counterpart's certificate is correct with the public key of the certificate authority.

Electronic reverse payment request means may be composed of a wireless terminal 410 and a wired terminal 420, the wireless terminal 410 is a means for the card subscriber wirelessly connected to the electronic reverse payment server 300 online, wired The terminal 420 is a means for the card subscriber to make an online connection to the electronic checkout server 300 by wire. If the network protocol (eg, WAP, Wireless Application Protocol) used by the wireless terminal 410 is different from the wired network protocol (eg HTTP), the protocol conversion gateway { Example: wireless internet gateway 110; It may be connected to the electronic checkout server 300 through the WAP gateway}. In addition, the wireless Internet gateway 110 and the electronic reverse payment server 310 may be connected by a dedicated line in order to prevent hacking of online data, and the wireless internet gateway 110 may be placed inside the card company. Electronic reverse payment confirmation means may also be composed of a wireless terminal 510 and a wired terminal 520, the wireless terminal 510 is a means for the card merchant wirelessly connected to the electronic reverse payment server 300 online, The terminal 520 is a means for the card merchant to make an online connection to the electronic checkout server 300 by wire. If the network protocol used in the online connection used by the wireless terminal 510 (e.g., WAP (Wireless Internet Protocol)) is different from the wired network protocol (e.g. HTTP), a wired / wireless protocol Translation gateways (eg, wireless Internet gateway 110); It may be connected to the electronic checkout server 300 through the WAP gateway}. In addition, the wireless Internet gateway 110 and the electronic reverse payment server 310 may be connected by a dedicated line in order to prevent hacking of online data, and the wireless internet gateway 110 may be placed inside the card company.

The entity (electronic reverse payment server 300, electronic reverse payment request means 400, electronic reverse payment confirmation means 500) may include an encryption module to perform an encryption function or an electronic authentication function when transmitting data. In addition, the module may include a handshake module that interfaces with an encryption module and connects with a lower communication layer and controls a protocol for reverse payment.

FIG. 2 is a diagram illustrating a configuration of an embodiment in which a card subscriber enables online connection with several card companies through a single online channel, which will be described below with reference to FIG. 2.

The reverse payment gateway 700 enables the card subscriber to connect with the electronic reverse payment server 300 of several card companies through a single channel. The reverse payment gateway 700 may include an internet web server when the Internet is used as the online means of the present invention, and provides a URL (Uniform Resource Locator) for connecting to the electronic reverse payment server 300 of several card companies. .

3 is an online credit card reverse payment system according to the present invention, the card subscriber makes an online payment request to the electronic reverse payment request means 400 after the transaction occurs, and the electronic reverse payment server 300 of the card company performs the payment approval process. And, the card subscriber and the card merchant is a diagram showing an embodiment of a protocol that can confirm the payment approval through the electronic reverse payment request means 400 and the electronic reverse payment confirmation means 500, Figure 3 below. It demonstrates with reference.

The card subscriber makes a purchase from the card merchant (H1) and then makes a payment request through his online electronic reverse payment requesting means 400 (H2). At this time, the transmitted information may include a merchant number and an authorization request amount, and may include an installment status, a card number, a password, and the like. In order to protect the data to be transmitted, each transmitting side may encrypt the data with an encryption key and transmit the data, and the receiving side may decrypt the data with the decryption key. Also, for mutual authentication, the transmitting side may transmit its public key, and the receiving side may identify the transmitting side with the public key of the certification authority 600. In this case, since the electronic reverse payment server 300 may authenticate the card subscriber as the public key of the card subscriber, the card subscriber may omit the card number or the password when the payment request is made through the online electronic reverse payment request means 400.

The card company's electronic reverse payment server 300 performs the approval process (H3) for the payment request and transmits the result to the electronic reverse payment requesting means (400) (H4). In this case, the information transmitted may include an approval number upon approval, and may include a disapproval code for the approval. In order to protect the data to be transmitted, each transmitting party can encrypt the data using an encryption key and transmit the data, and the receiving party can decrypt the decrypting key. Also, for mutual authentication, the transmitting side may transmit its public key, and the receiving side may identify the transmitting side with the public key of the certification authority 600.

In order to confirm payment approval, the card merchant firstly, after the card company's electronic reverse payment server 300 processes the approval of the payment request, sends the result to the electronic reverse payment verification means 500 (the information transmitted at this time is approved. If it is not possible, include the information about it, and when approval, include the approval number. (H5)}, this can be confirmed.

Second, after the card subscriber pays, the payment number can be delivered online or offline (H6), and the payment confirmation is confirmed to the card company's electronic reverse payment server 300 through the electronic reverse payment check means 500. You can request (H7). Then, the electronic reverse payment server 300 searches for the inquiry request and transmits the result to the electronic reverse payment checking means 500 (H8). This confirms the confirmation of payment approval. In order to protect the data to be transmitted, each transmitting party between the entities may encrypt the data with an encryption key and transmit the data, and the receiving party may decrypt the decrypting key. Also, for mutual authentication, the transmitting side may transmit its public key, and the receiving side may identify the transmitting side with the public key of the certification authority 600.

The card subscriber can request an inquiry about the past payment history to the card company through the electronic reverse payment request means 400 (H9), and the electronic reverse payment server 300 of the card company receives the request and retrieves the data. The result is transmitted to the requester (H10). Through this, the card subscriber can inquire about the details of payment or print out the documentary evidence.

The card merchant may request the card company to inquire about the past payment history through the electronic reverse payment request means 400 (H11), and the electronic reverse payment server 300 of the card company receives the request and retrieves the data. The result is transmitted to the requester (H12). Through this, the card merchant may inquire about the payment received or output the documentary evidence.

According to the present invention, the card subscriber can access the card company from online to online to make a payment, so that when the customer requests an order from a remote location or requests an order over the phone, the cash is transmitted online through a bank or If you want to pay for the card to improve the problem of having to leak the person's card number and personal information to the other party can implement a base system that allows the cardholder to ask the merchant to pay the merchant online.

Significantly limit the scope of card payments by enabling cardholders to be able to make online credit payments from anywhere, and prevent risks caused by leaking personal card information to the commerce mall during internet or telephone commerce. It can be newly created, can be applied to credit card payment method through wired / wireless internet, and can be extended to wireless commerce credit settlement method in wireless commerce on IMT-2000.

Claims (8)

In the credit card payment method to directly access the credit card company online credit card to the merchant, The card subscriber makes a purchase from the card merchant (H1), and accesses the card company's electronic reverse payment server 300 online through the electronic reverse payment request means 400, and transmits his or her card information and the card merchant information. Payment request step (H2) for making a request, The card company's electronic reverse payment server 300 receives the request and performs the payment approval process (H3), An approval result transmission step (H4) of transmitting the result information of the credit card company online to the cardholder's electronic reverse payment request means 400 online; The card merchant checks the approval result first, after the card company's electronic reverse payment server 300 performs the approval process for the payment request, and sends the result to the electronic reverse payment checking means 500 (H5), or Second, after the card subscriber pays, the payment number can be delivered online or offline (H6), and the payment confirmation is confirmed by the payment number to the electronic reverse payment server 300 of the card company through the electronic reverse payment check means 500. After making a request (H7), the electronic reverse payment server 300 includes a step of confirming the approval result which can be checked by searching for the inquiry request and transmitting the result to the electronic reverse payment checking means 500 (H8). Online credit card reverse payment system. The method of claim 1, Among the transfer information in the payment request step, the card number and password are used as the card information of the card subscriber, the card merchant information is used for the merchant number, and the approved result information for the approval result transfer step is used for the approval number, and the affiliate store An online credit card reverse payment system using online, which may include a number and an authorization amount. The method of claim 2, Using the Internet network as an online network, and the data transmission entities of the electronic reverse payment server 300, the electronic reverse payment request means 400, the electronic reverse payment confirmation means 500 to prevent the information from being forged or altered online Online credit card reverse payment system using a single key encryption method (eg, DES, RC5, SEED) or public key encryption (eg, RSA). The method of claim 2, The data transmission entities of the electronic reverse payment server 300, the electronic reverse payment request means 400, and the electronic reverse payment confirmation means 500 use an electronic authentication method to authenticate the other party online, and in that way, a single key encryption. Algorithm authentication, or public key infrastructure authentication, may be used, and single key cryptographic algorithms may be used to prevent an authentication key from being reused by an attacker in order to share the authentication key online. For example, a challenge response scheme may be used. The authentication scheme of the public key infrastructure is a method of authenticating a partner through the certification authority 600. And generate a public key pair, and sends its public key to the certification authority 600 to request authentication. The certification authority 600 issues a digital signature (e.g. X.509) by signing the public key of the requestor with the private key of the certification authority, and then the entities check whether the certificate of the other party is correct using the certification authority's public key. Online credit card reverse payment system using an online, characterized in that it can be. The method of claim 2, Online credit card reverse payment system using online, characterized in that the card subscriber 400 further comprises being able to connect to the electronic connection server 300 of the various card companies through the reverse payment gateway (700). The method of claim 5, Among the transfer information in the payment request step, the card number and password are used as the card information of the card subscriber, the card merchant information is used for the merchant number, and the approved result information for the approval result transfer step is used for the approval number, and the merchant of the card merchant An online credit card reverse payment system using online, which may include a number and an authorization amount. The method of claim 5, Using the Internet network as an online network, and the data transmission entities of the electronic reverse payment server 300, the electronic reverse payment request means 400, the electronic reverse payment confirmation means 500 to prevent the information from being forged or altered online Online credit card reverse payment system using a single key encryption method (eg, DES, RC5, SEED) or public key encryption (eg, RSA). The method of claim 5, The data transmission entities of the electronic reverse payment server 300, the electronic reverse payment request means 400, and the electronic reverse payment confirmation means 500 use an electronic authentication method to authenticate the other party online, and in that way, a single key encryption. Algorithm authentication, or public key infrastructure authentication, may be used, and single key cryptographic algorithms may be used to prevent an authentication key from being reused by an attacker in order to share the authentication key online. For example, a challenge response scheme may be used. The authentication scheme of the public key infrastructure is a method of authenticating a partner through the certification authority 600. And generate a public key pair, and sends its public key to the certification authority 600 to request authentication. The certification authority 600 issues a digital signature (e.g. X.509) by signing the public key of the requestor with the private key of the certification authority, and then the entities check whether the certificate of the other party is correct using the certification authority's public key. Online credit card reverse payment system using an online, characterized in that it can be.