KR20010008038A - On-line security settlement - Google Patents

Abstract

PURPOSE: A security payment method in an electronic commerce is provided to enable a user to securely make a settlement when the user makes a purchase at an electronic commerce service site by inputting a social security number or a credit card number not at the electronic shopping mall site, but at a security company site linked with the electronic shopping mall site. CONSTITUTION: A security payment method in an electronic commerce can be implemented by a bank, an online security company, an online shopping mall company and a consumer. The online security company makes a security contract with the online shopping mall company, and makes a profit, a fee in proportion with a commodity purchase amount, by securing a personal information of the purchase consumer. The bank gets notified of a settlement by the security company, and transfers a corresponding money from an account of the consumer to an account of the shopping mall company. The consumer selects a payment button at the shopping mall after selecting a purchase commodity, and then over the site of the security company linked with the button, inputs the social security number, the credit card number and the secret code.

Description

On-line security settlement

When a consumer wants to purchase an item on the Internet, they do not enter their personal information, such as social security number, card number and password, on the site of the online company that sells the item, but instead link to an online security company and place their card number and password there. Enter. The online security company notifies the bank and the card company of the entered card number and password. Notified banks and credit card companies make payments to online businesses. Online companies only have simple information about consumers, and card numbers and passwords are recorded and managed by online security companies.

This is to prevent the damage of consumers due to the leakage of personal information during e-commerce. In addition, for small and medium-sized businesses using e-commerce as a sales method, it is possible to gain credibility regarding payment.

Current e-commerce payment methods allow consumers to enter their social security numbers, card numbers and passwords on the online company's site, and the online company notifies the bank of the entered data and pays the bill. Security companies have security management agreements with banks or online companies, but consumers have not managed their personal information. Unhealthy online companies can leak information from members and harm consumers.

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This approach has four pillars: banks, online security companies, online companies and consumers. An online security company protects the privacy of consumers who purchase goods by signing a security agreement with an online company and profits from the fees associated with the purchase of the goods. In this way, an online company can put its trust in consumers when they don't trust it. The bank receives the notice from the online security company and pays the online company for the fee. When a consumer wants to pay for an item on the Internet, the consumer pays by entering his or her card number and password on a security company's site linked to an online company's site.

In this way, consumers can trade with confidence about their personal information leaks. In other words, unhealthy online companies can eliminate the abuse of consumer personal information. This way, online security firms can protect consumers' personal information and earn commissions related to the purchase of goods. E-commerce can eliminate or significantly reduce distribution margins, so even if you include bank fees and security company fees in the price of goods, you can sell goods at low prices and activate e-commerce. In this case, online companies, especially small and medium-sized enterprises, can trust personal information to online security companies, thereby contributing trust to consumers.

Claims (4)

Characterized in that the consumer pays for the goods through an online security company in e-commerce The method of claim 1, wherein the online security company protects the consumer's personal information for secure payment of goods and obtains a commission in advance with the contract with the online company. The contract according to claim 2, wherein the online security company and the online company have set a fee related to the price of the goods in advance. The method according to claim 1, wherein the online company does not directly deal with the personal information of consumers related to payment.