KR20010051457A - A system for certification electronic file for electronic commercial market using card number and a method of the same - Google Patents
A system for certification electronic file for electronic commercial market using card number and a method of the same Download PDFInfo
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- KR20010051457A KR20010051457A KR1020000065386A KR20000065386A KR20010051457A KR 20010051457 A KR20010051457 A KR 20010051457A KR 1020000065386 A KR1020000065386 A KR 1020000065386A KR 20000065386 A KR20000065386 A KR 20000065386A KR 20010051457 A KR20010051457 A KR 20010051457A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Abstract
Description
본 발명은 전자상거래시에 거래를 요청한 문서가 진정한 문서인지를 확인하여 주는 전자인증시스템 및 방법에 관한 것으로, 특히, 백화점, 은행 등의 카드를 소지한 구매자가 인터넷상에서 전자상거래을 요청한 문서가 진정한 구매자로부터 발송된 것인지를 카드발급사가 확인하는 전자인증을 하고, 또한, 물품공급자에서 구매자에게 발송된 문서가 진정한 문서인지를 인증하는 카드를 이용한 전자상거래상의 전자인증시스템 및 방법에 관한 것이다.The present invention relates to an electronic authentication system and method for confirming whether a document requesting a transaction at the time of an e-commerce transaction is a true document. In particular, a buyer who has a card such as a department store or a bank requests an e-commerce transaction on the Internet. The present invention relates to an electronic commerce system and method for an electronic commerce using a card that performs an electronic authentication for confirming whether a card issuer is sent from a card, and also authenticates whether a document sent from a goods supplier to a buyer is a true document.
인터넷의 발달로 가상의 공간에서 물품을 사고 팔 수 있는 사이버몰과 전자문서만을 주고 받으면서 물품을 구매하는 전자상거래가 점차적으로 발달을 하고 있다. 전자상거래의 발달로 생산자와 구매자가 중간에 다른 매개자없이 물건을 공급을 할 수가 있어서 물건을 싸게 공급을 할 수가 있고, 물건을 사고자 하는 구매자가 직접 공급자에게 가지 않아도 물건을 살 수가 있기 때문에 소비자의 시간을 절약을 할 수 있고, 또한 구매자가 상기의 이유로 교통수단을 이용하지 않기 때문에 화석연료의 소비가 줄게 되고 따라서 환경오염의 문제 등도 줄어드는 등의 여러가지 장점이 있다. 하지만, 일반적인 거래에서는 물품의 공급자와 구매자가 직접 만나서 계약을 체결하기 때문에 상기의 공급자와 구매자가 진정한 자인지를 알 수 있고 또한 자신이 계약을 체결한 것을 부인을 할 수가 없지만, 전자상거래에서는 서로을 알지를 못하고 단지 전자문서에 의해서만 계약을 체결을 함으로써, 자신이 알지 못하는 사이에 다른 사람의 도용으로 계약이 체결될 수있고, 자신이 계약을 체결한 후에도 그 계약의 성립을 부인을 하는 경우에 증명을 할 수가 없게 된다. 또한, 전자문서의 전달과정에서 전자문서가 변조가 될 수가 있다. 상기의 이유로, 구매자나 공급자가 서로를 믿지 못하게 되면 전자상거래의 장점에도 불구하고 사용을 할 수가 없게 된다. 따라서, 상기의 문제점을 해결하기 위해 전자서명이라는 장치를 만들어서 전자서명이 있는 전자문서는 그 전자서명에 의하여 전자문서의 진위를 파악할 수 있게 하여 공급자와 소비자간의 불신을 일거에 해결하여 전자상거래를 안전하게 이용할 수 있게 한다. 하지만, 이러한 전자서명을 이용하기 위하여는 공인된 인증기관에 자신이 진정한 자임을 증명하는 서류를 구비하여 자신이 직접 방문하여야 하고 전자문서 전달시 매번 인증 확인 후 인증번호를 발급 받아야 하는 번거로운 절차를 거쳐야 하고, 인증수수료를 지불하는 등의 구매자에게 부담을 주고 있다.With the development of the Internet, e-commerce that purchases goods while only sending and receiving electronic documents and cyber malls that can buy and sell goods in virtual space is gradually developing. With the development of e-commerce, producers and buyers can supply goods without other mediators in between, so they can supply goods cheaply, and buyers who want to buy goods can buy goods without going directly to suppliers. It can save time, and also because the buyer does not use the transportation means for the above, there is a number of advantages, such as the consumption of fossil fuel is reduced, thus reducing the problem of environmental pollution. However, in a normal transaction, the supplier and the buyer of the goods meet in person to make a contract, so they can know whether the supplier and the buyer are the real ones, and cannot deny that they have signed a contract. By signing a contract only by means of an electronic document, the contract may be signed by someone else without the knowledge of the person, and if he or she denies the contract after the contract has been concluded. I can't do it. In addition, the electronic document may be altered in the process of delivering the electronic document. For the above reasons, if buyers or suppliers do not trust each other, they cannot use them despite the advantages of e-commerce. Therefore, in order to solve the above problems, an electronic document with an electronic signature is created so that the authenticity of the electronic document can be grasped by the electronic signature to solve the distrust between the supplier and the consumer at a glance, thereby safely securing the electronic commerce. Make it available. However, in order to use these digital signatures, they must come to their own places with documents that prove their true identity to an accredited certification body, and have to go through the cumbersome procedure of obtaining a certification number after verifying the certification each time the electronic document is delivered. And the burden on the buyer, such as paying the certification fee.
따라서 본 발명의 목적은 상기 종래기술의 문제점을 해결하기 위하여 창출된 것으로써, 공급자가 구매자에게 전자인증을 요구하는 경우, 구매자는 카드번호를 이용한 전자문서인증시스템에 접속하여 상기 인증시스템의 웹창에 자신의 카드번호를 입력하면, 상기 구매자가 입력한 카드번호와 연계가 되어있는 구매자의 이동전화 혹은 일반전화로 인증시스템에서 SMS, 혹은 ARS 를 이용하여 구매자에게 확인신호를 보내어 구매자가 확인이 되면 인증을 해주는 은행, 백화점 등의 카드발급사에서 전자상거래상에서의 거래에서 카드번호를 이용한 전자문서인증시스템을 제공하는 것이다.Therefore, an object of the present invention was created to solve the problems of the prior art, when the supplier requests the buyer electronic authentication, the buyer accesses the electronic document authentication system using the card number to the web window of the authentication system If you enter your own card number, the buyer's mobile phone or regular phone associated with the card number entered by the buyer sends a confirmation signal to the buyer using the SMS or ARS from the authentication system to verify the buyer is confirmed A card issuer such as a bank or a department store that provides an electronic document authentication system using a card number in an e-commerce transaction.
본 발명의 또 다른 목적은 은행, 백화점 등의 카드발급사에서 전자상거래상에서의 거래에서 카드번호를 이용한 전자문서인증방법을 제공하는 것이다.Still another object of the present invention is to provide an electronic document authentication method using a card number in a transaction on an electronic commerce in a card issuer such as a bank or a department store.
상기의 목적을 달성하기 위하여 본 발명에 따른 카드번호를 이용한 전자문서인증시스템은, 인터넷상에서 전자상거래를 하기 위한 전자문서를 인증하여주기 위한 카드번호를 이용한 전자문서인증시스템에 있어서,In order to achieve the above object, an electronic document authentication system using a card number according to the present invention, in the electronic document authentication system using a card number for authenticating an electronic document for electronic commerce on the Internet,
구매자의 카드번호와 개인통신번호가 저장되어있는 인증데이터베이스;Authentication database that stores the card number and personal communication number of the buyer;
상기 구매자가 상기구매자의 전자문서를 인증해 줄것을 요청하여 자신의 카드번호를 입력하는 인증요청데이터베이스; 및An authentication request database for requesting the purchaser to authenticate the electronic document of the purchaser and inputting his / her card number; And
상기 구매자가 통신기기로 상기 구매자가 송부한 상기 전자문서임을 확인한 신호를 받아 그 전자문서에 전자서명을 첨부하여 기록하는 인증수신데이터베이스을 포함하는 전자인증서버시스템과An electronic authentication server system including an authentication receiving database for receiving the signal confirming that the purchaser has sent the electronic document to the communication device and attaching the electronic signature to the electronic document;
카드고객의 정보가 데이터베이스로 구축된 카드발급사의 서버시스템을 연결한것을 특징으로 하고,It is characterized in that the card customer information is connected to the server system of the card issuer that is built into the database,
또한, 인터넷상에서 발송되는 전자문서의 인증을 받기 위한 전자인증방법에 있어서,In addition, in the electronic authentication method for authenticating an electronic document sent over the Internet,
카드를 이용한 전자상거래상의 전자문서인증시스템 및 방법으로,Electronic document authentication system and method in electronic commerce using a card,
전자문서의 인증을 요구 받은 구매자가 전자인증서버시스템에 접속하여 상기 구매자가 자신의 카드번호를 인증요청데이터베이스에 입력하는 단계;A purchaser requesting authentication of an electronic document connected to the electronic authentication server system, and the purchaser inputting his / her card number into an authentication request database;
상기 전자인증서버시스템은 상기 구매자가 입력한 상기 카드번호와 연계된 상기 구매자의 개인통신번호를 인증데이터베이스에 입력하는 단계;The electronic authentication server system inputting a personal communication number of the buyer associated with the card number input by the buyer into an authentication database;
상기 개인통신번호를 상기 전자인증서버시스템과 인터넷으로 연결된 통신서버시스템의 SMS 또는 ARS 를 이용하여 상기 구매자에게 물품구입내역과 본인확인신호를 전송하는 단계;Transmitting the purchase details and a personal identification signal to the purchaser by using the personal communication number (SMS) or ARS of the communication server system connected to the electronic authentication server system through the Internet;
상기 구매자가 상기 본인확인신호를 받아 확인신호를 발송하면 상기 전자인증서버시스템에서 본인인증을 하고, 상기 구매자가 상기 확인신호를 일정기간동안 발송하지 않거나, 본인확인을 거부하면 상기 전자인증서버시스템에서 본인인증을 하지 않는 단계; 및When the buyer receives the identity confirmation signal and sends a confirmation signal, the electronic authentication server system authenticates the identity, and if the buyer does not send the confirmation signal for a certain period of time or rejects the identity verification, the electronic authentication server system Not authenticating; And
상기 인증데이터베이스에서 본인인증의 결과를 상기 전자인증서버시스템의 인증수신데이터베이스에 기록하는 단계를 포함하는 것을 특징으로 한다.And recording the result of the self-authentication in the authentication database in the authentication reception database of the electronic authentication server system.
본 발명은 첨부한 도면을 참조하면서, 종래의 기술과 비교하여, 하기의 설명으로부터 좀더 명확하게 이해될 것이다.The present invention will be more clearly understood from the following description, in comparison with the prior art, with reference to the accompanying drawings.
도 1 은 본 발명에 따른 카드를 이용한 전자상거래상의 카드번호를 이용한 전자문서인증시스템의 시스템구성도이다.1 is a system configuration diagram of an electronic document authentication system using a card number of an electronic commerce using a card according to the present invention.
도 2 는 본 발명에 따른 카드를 이용한 전자상거래상의 카드번호를 이용한 전자문서인증시스템의 흐름도이다.2 is a flowchart of an electronic document authentication system using a card number of an electronic commerce using a card according to the present invention.
* 도면의 주요부분에 대한 부호의 설명 *Explanation of symbols on the main parts of the drawings
10: 구매자클라이언트 20: 본 발명의 전자인증서버시스템10: Buyer Client 20: Electronic authentication server system of the present invention
23: 본 발명의 인증데이터베이스 24: 본 발명의 인증요청데이터베이스23: authentication database of the present invention 24: authentication request database of the present invention
25: 본 발명의 인증수신데이터베이스 30:통신서버시스템25: authentication receiving database 30 of the present invention: communication server system
40: 카드발급사 서버시스템 50: 물품공급자40: card issuer server system 50: goods supplier
도 1 은 본 발명에 따른 카드번호를 이용한 전자상거래 인증시스템의 전체적인 구성도이다. 도 1 에 도시된 바와 같이, 본 발명에 따라 전자상거래 인증시스템은 구매자의 클라이언트시스템 (10), 전자인증서버시스템 (20), 통신회사서버시스템 (30), 카드발급사의 서버시스템 (40) 으로 구성되어 있다.1 is an overall configuration diagram of an electronic commerce authentication system using a card number according to the present invention. As shown in Fig. 1, according to the present invention, the electronic commerce authentication system includes a client system 10, an electronic authentication server system 20, a telecommunication company server system 30, and a server system 40 of a card issuer. Consists of.
본 발명의 클라이언트시스템 (10) 은 전자상거래에서 물품을 구매하려는 구매자가 전자상거래를 위하여 이용하는 인터넷 통신네트워크를 통하여 연결된 컴퓨터시스템으로, 만일 구매자가 온라인상이 아닌 직접 상점에서 상품을 구매하려는 경우에는 상기 상점이 가지고 있는 클라이언트에 해당하는 컴퓨터시스템을 포함한다.The client system 10 of the present invention is a computer system connected through an internet communication network which is used for electronic commerce by a buyer who wants to purchase goods in electronic commerce. It includes a computer system corresponding to the client it has.
본 발명에 따른 전자인증서버시스템 (20) 은 인터넷을 통한 전자상거래를 위한 문서의 진위여부를 판단하여 주는 서버시스템으로서, 인증데이터베이스 (23), 인증요청데이터베이스 (24), 인증거래수신데이터베이스 (25) 을 포함하는 구성을 하고 있고, 구매자의 클라이언트시스템 (10), 카드발급사의 서버시스템 (20), 통신서버시스템 (30) 과 인터넷을 통하여 연결이 되어 있다. 상기의 인증데이터베이스 (23) 는 상기 구매자의 개인통신기기번호를 입력한 데이터를 구축하고 있는 본 발명의 전자인증서버시스템 (20) 의 데이터베이스이고, 인증요청데이터베이스 (24) 는 상기 구매자가 전자인증을 요구를 받으면 상기 전자인증서버시스템에 접속하여 인증요청데이터베이스 (24) 에 자신의 카드번호를 입력하여 구매자의 전자문서를 인증하여 줄것을 요구하는 본 발명에 따른 전자인증서버시스템 (20) 의 데이터베이스이다. 또한, 인증거래수신데이터베이스 (25) 는 상기 전자문서의 발송자가 인증이 되었으면 인증된 결과를 수신하여 전자서명을 발생시키는 데이터를 저장하는 데이터베이스를 구축한 본 발명에 따른 전자인증서버시스템 (20) 의 또다른 데이타베이스이다. 상기 인증거래수신데이터베이스에 기록된 전자문서는 물품공급자에게 인증을 한다. 상기의 카드번호는 신용카드번호, 백화점카드번호, 공무원카드번호 등이 있는데, 일상적으로 신용카드번호는 그 번호만으로도 전자상거래상에서 물품의 거래가 이루어질 수 가 있으므로 본 발명의 운영자서버시스템 (20) 에서는 신용카드를 사용하는 구매자에게는 별도의 번호를 부여한 후에 카드번호대신 상기의 별도의 번호를 구매자의 개인 통신번호와 매칭시킨다. 그리고, 상기의 백화점카드번호 등의 신용카드이외의 카드는 그 번호만으로는 물품의 구입이 불가능하므로 신용카드처럼 별도의 번호를 부여하지 않고 카드번호를 개인통신번호와 연계시킨다Electronic authentication server system 20 according to the present invention is a server system for determining the authenticity of documents for electronic commerce over the Internet, the authentication database 23, the authentication request database 24, the authentication transaction receiving database (25) Is connected to the client system 10 of the purchaser, the server system 20 of the card issuer, and the communication server system 30 through the Internet. The authentication database 23 is a database of the electronic authentication server system 20 of the present invention that constructs data in which the purchaser's personal communication device number is input, and the authentication request database 24 provides the electronic authentication of the buyer. Is a database of the electronic authentication server system 20 according to the present invention which requests to authenticate the buyer's electronic document by accessing the electronic authentication server system and inputting his / her card number to the authentication request database 24. . In addition, the authentication transaction receiving database 25 of the electronic authentication server system 20 according to the present invention constructed a database storing data for generating an electronic signature by receiving an authenticated result when the sender of the electronic document is authenticated. Another database. The electronic document recorded in the authentication transaction receiving database authenticates the goods supplier. The card number may include a credit card number, a department store card number, a civil servant card number, and the like. In general, a credit card number may be used to trade goods on an electronic commerce using only that number. The purchaser using the card is assigned a separate number, and then the matching number is replaced with the purchaser's personal communication number instead of the card number. In addition, the card other than the credit card such as the department store card number cannot be purchased only by the number, so the card number is associated with the personal communication number without a separate number like the credit card.
본 발명에 따른 통신서버시스템 (30) 은 이동통신사업을 하는 회사 또는 전자인증시스템의 운영자가 별도로 설치하여 운영할 수 있는 서버시스템을 말한다. 통신서버시스템 (30) 은, SMS 또는 ARS 를 이용하여 구입물품의 목록과 구입가액 등의 정보를 구매자에게 발송하여 물건구입의 진위를 파악하는 역할을 하며, 구매자는 SMS 또는 ARS 에 의하여 전자상거래에서의 물품을 구입하려는 자가 구매자 자신임을 전자상거래인증서버시스템에 확인을 시킨다.Communication server system 30 according to the present invention refers to a server system that can be installed and operated separately by the operator of the mobile communication business or the operator of the electronic authentication system. The communication server system 30 sends a list of the purchased goods and information such as the purchase price to the purchaser by using SMS or ARS to determine the authenticity of the purchase of the goods. The e-commerce authentication server system confirms that the purchaser is himself / herself.
본 발명의 카드발급사서버시스템 (40) 은 인터넷상에서 상기 구매자가 물품구매시에 카드로 결재하는 경우에 상기의 물품대금을 결재하는 신용카드발급사의 서버시스템과 백화점 등의 카드를 발급하여주는 업체의 서버시스템으로, 신용카드발급사는 구매자가 전송한 전자문서가 본 발명의 전자인증서버시스템 (20) 에서 인증된 경우에 상기의 물품대금을 결재하며, 백화점 등의 카드발급사는 본인확인의 역할만을 해준다.The card issuer server system 40 of the present invention is a company that issues a card such as a server system of a credit card issuer and a department store that pays for the goods when the buyer pays the card at the time of purchase of the goods on the Internet. As a server system, the credit card issuer pays the above price when the electronic document sent by the buyer is authenticated by the electronic authentication server system 20 of the present invention, and the card issuer such as a department store only plays a role of identity verification. .
도 2 는 본 발명에 따른 전자상거래인증을 하는 경우의 흐름을 도시한 흐름도이다. 도 2 를 참조하면, 본 발명에 따른 전자상거래인증의 흐름의 특징은 다음과 같다.2 is a flow chart showing the flow in the case of electronic commerce authentication according to the present invention. Referring to Figure 2, the characteristics of the flow of electronic commerce authentication according to the present invention are as follows.
제 1 단계 (100): 구매자가 인터넷상에서 물품을 구입하기 위하여 전자문서를 발송을 한다.First step (100): A buyer sends an electronic document to purchase an item on the Internet.
제 2 단계 (200): 상기의 전자문서를 받은 공급자는 구매자에게 문서의 인증을 요구한다.Second step 200: The supplier who receives the electronic document requests the purchaser to authenticate the document.
제 3 단계 (300): 문서의 인증을 요구 받은 구매자는 전자인증서버시스템의 인증요청웹에 접속하여 구매자 자신의 카드번호를 입력한다.Third step (300): The purchaser who is requested to authenticate the document accesses the authentication request web of the electronic authentication server system and inputs the purchaser's own card number.
제 4 단계 (400): 상기 전자인증서버시스템은 카드발급사의 데이터베이스에서 카드번호와 연계 되어져 있는 구매자의 통신기기로 전자인증서버시스템과 인터넷으로 연결되어 있는 통신서버시스템을 통하여 SMS, 혹은 ARS 를 이용하여 구매자에게 물품구입내역 (물품의 종류, 수량, 가격 등) 과 본인확인신호를 발송하여 본인확인을 받는다.Fourth step (400): The electronic authentication server system is a buyer's communication device associated with the card number in the card issuer's database using SMS or ARS through a communication server system connected to the electronic authentication server system and the Internet. Send the purchase details (type, quantity, price, etc.) of the purchase to the buyer and the identity verification signal to confirm the identity.
카드발급사는 카드신청할 당시에 카드신청자가 직접 제출한 카드신청자의 개인고유자료를 받기 때문에, 상기 카드발급사는 구매자의 상기 데이터베이스를 구축하고 있다.Since the card issuer receives the personal data of the card applicant directly submitted by the card applicant at the time of card application, the card issuer establishes the buyer's database.
제 5 단계 (500): 구매자가 상기의 본인확인신호를 받아 확인신호를 발신하면 본인인증을 한다. 확인신호를 발신하는 방법으로는, 본인확인의 요청신호가 SMS로 물품구매내역과 함께 수신이 되면 확인의 내역이 일치하면 확인버튼을 눌러서 확인신호를 발신하고, ARS 로 본인확인 요청신호가 수신된 경우에는 ARS 에서 요청한 확인 신호번호에 해당하는 번호를 누른다.Fifth step 500: When the buyer receives the identification signal and sends the confirmation signal, the purchaser authenticates himself. As a method of sending a confirmation signal, if the request signal of identity verification is received along with the goods purchase history by SMS, if the details of the confirmation match, press the confirmation button to send a confirmation signal, and the identity verification request signal is received by the ARS. In this case, press the number corresponding to the confirmation signal number requested by ARS.
제 6 단계 (600): 구매자가 상기의 본인확인신호를 거부하거나 일정기간동안 확인신호를 발신을 하지 않으면 본인인증을 하지 않는다.Sixth step (600): If the buyer rejects the identification signal or does not send the confirmation signal for a certain period, the identification is not performed.
제 7 단계 (700): 구매자가 확인신호를 발신하면 전자인증서버시스템은 상기의 확인신호를 수신하여 전자인증서버시스템의 웹창인 인증수신웹창에 기록을 하고 본인인증을 한다. 상기의 전자인증서버시스템이 신용카드발급사와 연계가 되어 있으면 상기 구매자가 입력한 카드번호로 물품대금을 결재 하고 신용카드발급사이외의 카드발급사이면 본인인증을 한다.Step 7 (700): When the purchaser sends a confirmation signal, the electronic authentication server system receives the confirmation signal, records it in the authentication receiving web window, which is a web window of the electronic authentication server system, and authenticates the user. If the electronic authentication server system is linked with a credit card issuer, the purchaser pays for the goods using the card number entered by the purchaser.
본 발명에 따른 전자인증시스템에 의하면, 본 발명의 구매자가 전자문서인증을 받고자 하는 경우, 구매자가 자신을 증명할 수 있는 서류를 가지고 직접 인증기관을 방문하여 자신의 신분을 증명하지 않고도 구매자가 카드발급사에 카드를 신청할 당시에 직접 기록한 카드번호와 연계 되어있는 구매자의 통신기기의 번호를 이용하여 본인의 확인을 할 수가 있기 때문에 별도의 인증절차를 거치지 않아도 되며, 상기 전자인증시스템을 통하여 전자상거래가 이루어지므로 별도의 수익구조가 있어 인증수수료를 지불할 필요가 없다. 또한, 신용카드, 백화점카드, 공무원카드 등을 이용하기 때문에 일거에 전국민의 참여를 유발할 수가 있다.According to the electronic authentication system according to the present invention, when the purchaser of the present invention wants to receive the electronic document authentication, the purchaser issuing a card without having to prove his or her identity by visiting the certification authority with the documents that the buyer can prove himself. Since you can verify your identity using the card number of the buyer's communication device that is directly linked to the card number you recorded at the time of applying for the card, you do not have to go through a separate authentication process. As there is a separate profit structure, there is no need to pay the certification fee. In addition, the use of credit cards, department store cards, civil servants cards, etc., can lead to the participation of the people in one step.
여기에 기술된 본 발명의 실시예에 대해 여러 가지 변형이 본 발명을 실현하는데 있어 채용될 수 있는 것으로 이해되어져야 한다. 따라서, 다음의 청구범위가 본 발명의 범위를 규정하는 것으로, 그리고 이들 청구범위 내의 방법 및 구성들 그리고 그들의 등가적인 것들이 청구범위에 의해 포함되는 것으로 의도된다.It should be understood that various modifications to the embodiments of the invention described herein may be employed in implementing the invention. Accordingly, the following claims are intended to define the scope of the invention, and methods and configurations and equivalents thereof within these claims are intended to be encompassed by the claims.
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| KR1020000065386A KR20010051457A (en) | 1999-11-24 | 2000-11-04 | A system for certification electronic file for electronic commercial market using card number and a method of the same |
| KR1020000067842A KR20010051710A (en) | 1999-11-24 | 2000-11-15 | An electronic commerce system using account limit of credit card exclusively for electronic commerce, and personal telecommunication instrument and a method of the same |
| KR1020027006652A KR20020059784A (en) | 1999-11-24 | 2000-11-24 | An electronic commerce system and a method of the same |
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| KR1020000067842A KR20010051710A (en) | 1999-11-24 | 2000-11-15 | An electronic commerce system using account limit of credit card exclusively for electronic commerce, and personal telecommunication instrument and a method of the same |
| KR1020027006652A KR20020059784A (en) | 1999-11-24 | 2000-11-24 | An electronic commerce system and a method of the same |
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| JP (1) | JP2003515820A (en) |
| KR (4) | KR100867132B1 (en) |
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| KR102535118B1 (en) * | 2022-07-08 | 2023-05-30 | 주식회사 바이럴픽 | System and method for global online wholesale product sales management |
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| GB9121995D0 (en) * | 1991-10-16 | 1991-11-27 | Jonhig Ltd | Value transfer system |
| US5794207A (en) * | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
| US5465206B1 (en) * | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
| US5715314A (en) * | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
| AU5664296A (en) * | 1995-04-17 | 1996-11-18 | Aron B. Katz | Fraud resistant remote purchasing system |
| US5809144A (en) * | 1995-08-24 | 1998-09-15 | Carnegie Mellon University | Method and apparatus for purchasing and delivering digital goods over a network |
| US5757917A (en) * | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
| US5884288A (en) * | 1996-07-01 | 1999-03-16 | Sun Microsystems, Inc. | Method and system for electronic bill payment |
| JPH10162089A (en) * | 1996-12-02 | 1998-06-19 | Oki Electric Ind Co Ltd | Electronic transaction system |
-
2000
- 2000-10-18 KR KR1020000061312A patent/KR100867132B1/en not_active IP Right Cessation
- 2000-11-04 KR KR1020000065386A patent/KR20010051457A/en not_active Application Discontinuation
- 2000-11-15 KR KR1020000067842A patent/KR20010051710A/en not_active Application Discontinuation
- 2000-11-24 EP EP00981877A patent/EP1259913A4/en not_active Withdrawn
- 2000-11-24 AU AU18986/01A patent/AU1898601A/en not_active Abandoned
- 2000-11-24 KR KR1020027006652A patent/KR20020059784A/en active Application Filing
- 2000-11-24 CN CN00816161A patent/CN1399755A/en active Pending
- 2000-11-24 JP JP2001540651A patent/JP2003515820A/en not_active Withdrawn
- 2000-11-24 WO PCT/KR2000/001352 patent/WO2001039057A1/en not_active Application Discontinuation
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100838297B1 (en) * | 2001-07-19 | 2008-06-17 | 에스케이 텔레콤주식회사 | Method and Apparatus for House Card using Mobile Communication |
| KR20020013944A (en) * | 2002-01-15 | 2002-02-21 | 이강일 | The security method and security system for credit-card |
Also Published As
| Publication number | Publication date |
|---|---|
| KR20010051710A (en) | 2001-06-25 |
| EP1259913A4 (en) | 2005-11-16 |
| CN1399755A (en) | 2003-02-26 |
| EP1259913A1 (en) | 2002-11-27 |
| KR20020059784A (en) | 2002-07-13 |
| JP2003515820A (en) | 2003-05-07 |
| KR20010051103A (en) | 2001-06-25 |
| KR100867132B1 (en) | 2008-11-06 |
| WO2001039057A1 (en) | 2001-05-31 |
| AU1898601A (en) | 2001-06-04 |
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