KR20010000570A - Electronic Settlement Method by Floppydisk - Google Patents

Abstract

PURPOSE: An electronic payment method using a floppy disk is provided to enhance the security of an electronic payment system, by utilizing the floppy disk driver which is installed in a personal computer and the floppy disk which is convenient to be used and carried, without the need for an additional device. CONSTITUTION: A personal computer(101) is connected to the internet(103). A server(104) of a desired company for electronic commercial transaction is accessed by the personal computer(101). A customer selects a desired product at a web site for the electronic commercial transaction. After the selection of the product, the personal computer(101) is connected to a server(105) of a security company in case that a floppy disk(102) is inserted into the personal computer(101). If the personal computer(101) is identified via a plurality of authentication processes, it is connected to a server(106) of a financial agency and thereby a payment procedure is performed. The server(106) may include the function of the server(105).

Description

Electronic Settlement Method by Floppydisk

The present invention uses a computer input device, in particular a 3.5-inch floppy disk is widely used to make electronic payments such as electronic payment or Internet banking made on the Internet.

As the Internet develops, the scale of online e-commerce is growing exponentially. However, existing payment methods such as credit card use and online deposit are not only inconvenient to use, but also risk of personal information leakage and financial accidents due to hacking.

In order to secure these shortcomings, electronic payment systems such as IC card type and network type have been introduced. The IC card type is a card type with IC chip, which can be used as a smart card or payment method that can be used both online and offline. To do this, a separate reader must be installed. The network type is a method of downloading a program to a PC and making payments, so it is simple to make payments on the network without installing a separate program, but it is difficult to secure security because it depends on software rather than a physical medium. have.

The present invention is a method created to solve the above problems, and combines security with a physical medium of floppy disk drive and floppy disk which is installed in almost all PCs without any separate device and easy to carry and use. The purpose is to provide an electronic payment system.

1 is a block diagram showing the components of the electronic payment system according to the present invention.

2 is a flowchart illustrating an electronic payment process according to a preferred embodiment of the present invention.

<Explanation of symbols for main parts of drawing>

101: PC, 102: 3.5 inch floppy diskette, 103: Internet,

104: e-commerce server, 105: security server, 106: financial server

The electronic payment system according to the present invention for achieving the above object is to open the Internet-enabled PC and the input device mounted thereon-in particular 3.5-inch floppy disk driver and a unique key, personal information, financial information accounts, etc. are widely used now A floppy diskette containing an encrypted key; E-commerce vendor's server; It is characterized by consisting of security and financial server server.

1 is a view showing the components according to the present invention, the electronic payment method through it,

(i) accessing the internet 103 using a pc 101 capable of internet access,

(Ii) accessing the server 104 of the desired e-commerce company,

(Iii) selecting the desired item on the e-commerce website,

(Iii) selecting the article and connecting it to the server 105 of the security company when the floppy diskette 102 is inserted into the PC 101,

(v) In the case where it is confirmed through a multi-step authentication process, it is characterized in that it is connected to the server 106 of the financial company to make a payment. At this time, the role of the security company 105 may be absorbed by the financial company 106, the electronic payment may be made.

In another embodiment of the present invention, the Internet banking may be performed as the processes (i) and (v).

Floppy disks store unique keys that cannot be duplicated. This unique key is encrypted with a program that does not copy, which prevents the floppy disk from being copied and useful, thereby granting its uniqueness as an individual payment device. It identifies the key and acts as a key to open the information corresponding to the user.

As a payment device, floppy diskettes can be issued by financial institutions. When the user wishes to apply, the financial institution enters the 'financial account key' for the account opened to the user on the floppy disk where the unique key is stored, and receives the desired password or password. A financial account key is an encrypted key, which itself does not contain financial information, but is a device that opens a real financial information stored in a server when it is connected to a server of a financial company and serves as a key.

The user can access the security company's server and enter personal information such as the address and the payment limit, which are delivered when the goods are purchased from a certain web page of the security company. Such personal information is stored as a DB in the security company as designated for convenience of payment as a selection item of an individual that can be frequently used or changed, and a 'personal information key' is generated. The private key can be stored on the user's floppy disk.

These unique keys, financial account keys, and personal information keys do not contain any information but are encrypted programs, and therefore have no meaning in themselves. They are stored on a floppy disk and operate only as an authentication device when accessing a security or financial server. In addition, since it is stored in a physical medium called floppy diskette, it is safe from hacking and the like, and thus it is a cryptographic program that is meaningless to the key itself, thus eliminating the risk of misuse.

The floppy disk contains a dedicated program, which can be opened from the disk itself or used on a PC. This program is a device that allows you to connect to a financial institution server through a security company server as soon as you open it when your PC is connected to the Internet. This program allows you to search your financial information or Internet banking without opening a web browser. .

2 is a flow chart showing a typical embodiment according to the present invention, the electronic payment method according to the following.

Select a product by accessing an e-commerce site through the Internet using a PC.

By the cooperation of the security company and the e-commerce company, the e-commerce company's web page may have a dedicated icon that can be used to enter the electronic payment step using a floppy disk on a portion of the screen like other payment link icons. This makes the floppy disk electronic payment method more convenient and easy. Only the authorized and verified electronic commerce companies provide the payment device so that the user can be trusted.

When you finish shopping by selecting items, click on the dedicated payment icon to enter the payment process. If a floppy diskette is in the PC, it will be recognized and operated automatically. If a diskette is not inserted, a window will pop up to instruct you to insert it.

When the disk starts up, its unique key is sent to the security company's server for authentication. When the floppy disk is authenticated with the unique key and the permission is granted, a window asking for the password or password specified by the user is created. When the user writes the password, it determines whether it matches the information stored in the server of the financial institution, and if it is wrong, the user is returned to the window asking for the password again.

If the authentication is confirmed from the above process, the financial account key stored in the floppy disk is sent to the financial institution server to open the user's account. Otherwise, the payment process is terminated and you are redirected to the e-commerce homepage.

After the payment authentication from the financial institution is completed, the personal information key is sent from the floppy disk to the security server. If this key is authenticated, various options for purchasing and paying for the item are activated and sent to the e-commerce and financial server. . For example, if payment options and installment payment options are set in advance, the personal information is linked with the financial institution's server, and the payment process is performed. The personal information such as the delivery address, which is frequently used, is sent to the e-commerce server's server for payment This is done. Pre-determined information is displayed on the screen during the payment process. If you want to change it, you can change it during the process. If you want to change the information, go to the security company's homepage, change the information, and get the personal information key again. The personal information key can shorten the payment process and increase convenience by enabling the user to use frequently designated options or inputs.

When all these processes are implemented, the user clicks the 'Payment' icon to approve the final payment, thereby completing the payment process.

Although the present invention has been described based on the use of a 3.5-inch floppy disk as a payment device, this is widely used as a payment device of the present invention because it is widely used and is suitable as an input device that is easy to carry and easy to use, The input device, which is newly used according to development, can be used as a payment device if it is suitable for the purpose and effect of the present invention, which is a natural result of the present invention.

The present invention is not limited to the above embodiments such as electronic payment in electronic commerce, Internet banking for financial services, and many variations are possible by those skilled in the art within the spirit of the present invention. .

As described above, according to the present invention, an input device widely used in a computer as an electronic payment method-in particular, a 3.5-inch floppy disk does not need to have a separate reader for use as an electronic payment device, and is easy to carry and use. It is inexpensive. In addition, it requires a physical medium called floppy disk to be authenticated, so it is safe and secure from hacking, and emotional intimacy with possession of an entity rather than a virtual wallet such as an electronic wallet can be obtained.

The floppy disk stores the encrypted key rather than the actual information and thus has no disadvantages such as information leakage. Therefore, the floppy disk has excellent security as in the above-described physical media. Using a dedicated payment process, the encrypted key goes through a multi-step verification process and automatically resolves multiple inputs so that payment can be made in a simpler process than in the conventional payment process.

Dedicated payment process is due to the cooperation between the security company and the e-commerce company, and if the dedicated payment process is granted only to authorized and verified companies, the user can do business with a trusted company.

Claims (3)

Input devices widely used in computers-especially 3.5-inch floppy disks, e-commerce server servers for internet shopping and transactions, financial company servers with user's financial accounts open, security company servers that connect and secure these servers. An electronic payment system and an electronic payment method thereby characterized by comprising a configuration device. The method of claim 1 wherein the execution of the system, Accessing the internet using a pc with internet access; Connecting to the server of the desired e-commerce company, Selecting the desired item, Select the item and connect to the security company's server if a floppy diskette is inserted in the PC, An electronic payment method comprising a step of making a payment after being connected to a server of a financial institution after a multi-step authentication process. According to claim 1, the floppy disk is a unique program, which is an encrypted program that is prohibited from copying so that uniqueness can be passed through an authentication step, and an encrypted program that allows a user to open a financial account by being authenticated by a financial company. It stores the personal information key and payment-only program, which is an encrypted program that allows the user to open pre-specified information such as financial account keys, various inputs required for payment, and various options. Electronic payment method characterized in that to maintain the security and to be authenticated by using a password or password specified by the.