KR20010090381A - User evidence method for commercial transaction using mobile phone having function of scan - Google Patents

Abstract

PURPOSE: A method for certifying a user in an electronic commerce using a communication terminal with a scan function is provided to activate an electronic commerce by accurately judging whether a user using credit card data and electronic signatures prior to payment of transaction charges, and by preventing another person from using a credit card illegally according to leakage of the number of the credit card. CONSTITUTION: A user stores data after the front and the back of a credit card is recognized using a scanner equipped in a communication terminal(S11). The user connects to an electronic commerce site using the communication terminal or a personal computer and orders a product(S12). A control computer of a company makes the user a request for data of the credit card(S13). In case that the user transmits the data, the control computer displays the data on a monitor(S14). The computer makes the user a request for electronic signature data(S15). In case that the user inputs an electronic signature using an electronic pen to a display unit of the terminal, the display unit recognizes the signature(S16). The control computer provides the number of the credit card and amount of money to a card company computer(S17). In case that the card company computer generates a certification confirmation signal, the control computer notifies the user that a transaction is formed(S18).

Description

User authentication method in electronic commerce using communication terminal with scan function {User evidence method for commercial transaction using mobile phone having function of scan}

The present invention relates to a user authentication method in an electronic commerce using a communication terminal having a scanning function, and more specifically, to the user authentication step by transmitting data on the front and back of the credit card in the payment process after purchase of the product It relates to a user authentication method in an electronic commerce using a communication terminal having a scan function to improve the reliability by performing.

Recently, with the development of Internet technology, Internet communication is being performed through mobile communication terminals such as computers, televisions, mobile phones, etc., and the number of Internet accessors is continuously increasing.

As of 1999, the number of Internet users is estimated at around 150 million to 200 million globally. According to statistics, more than half of the users are high school graduates or higher, and about 35% of those with household income of more than $ 60,000. It has been shown to have significant purchasing power.

As such, as the number of Internet users increases rapidly, various economic activities using the Internet communication network are activated. The most common of these is commerce through the Internet communication network, that is, electronic commerce.

In the above e-commerce, payment by credit card is generally used, and the user can avoid economic and mental damage by illegally using another person's credit card due to the leakage of the credit card number. And, due to the above reasons there is a problem that the activation of the e-commerce is not made quickly.

1 is a view showing the structure of a general electronic commerce that makes a payment with a credit card, Figure 2 is a flow chart illustrating a general electronic commerce operation.

1 and 2, a consumer uses his personal computer 1 at home to connect to an operator computer 3 of an e-commerce site via an internet communication network 2 (see S1), and When placing an order to purchase a desired product in a space (see S2), the operator computer 3 requests the user to enter a credit card number and when the user enters a credit card number (see S3), the operator computer. In (3), the credit card company's computer (4) is accessed through the VAN, and the credit card number and amount are provided for authentication.

At this time, when the authentication confirmation signal is generated from the computer 4 of the credit card company (see S4), the operator computer 3 notifies the user that the transaction has been established and terminates the corresponding electronic commerce (see S5).

However, in the conventional electronic commerce as described above, the authentication process requires only the input of the user's credit card number, or the simple personal information such as the social security number or the input of the credit card password. Since it is difficult to prevent illegal use of others, a problem occurs that the user is economically and mentally damaged when illegal use of a credit card number occurs.

In addition, because of the above-mentioned reasons, the general users to avoid the e-commerce, thereby making it difficult to operate the e-commerce site has a problem that acts as a factor that hinders the activation of the e-commerce.

The present invention has been made to solve the problems of the prior art as described above, the object of the front and back of the actual credit card read through the scanner provided in the communication terminal in the authentication process of payment for the credit card The present invention provides a user authentication method in an electronic commerce using a communication terminal having a scanning function to prevent illegal use of a credit card by requesting and confirming data.

Another object of the present invention is to fundamentally prevent illegal use of a credit card by requesting the user's electronic signature while simultaneously requesting data on the front and the back of the credit card in the authentication process of payment for the credit card. The present invention provides a user authentication method in an electronic commerce using a communication terminal having a scan function.

1 is a diagram showing the structure of a general electronic commerce system for making a payment with a credit card.

2 is a flowchart illustrating a general e-commerce operation

3 is a diagram showing the structure of an electronic commerce system for making a payment with a credit card according to the present invention.

4 is a flowchart illustrating a user authentication operation and an e-commerce operation according to the present invention.

5 is a view showing the structure of a system according to another embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

10 communication terminal 11: scanner

12: electronic pen 20: control computer

21: monitor 22: printer

30: Card company computer

According to a first aspect of the present invention for achieving the above object, a first process of storing data by allowing the user to recognize the front and back of the credit card using a scanner provided in the communication terminal; A second process of requesting credit card data from a computer of a commerce company when a user accesses an e-commerce site and orders a purchase of a desired product after the first process is performed; A third step of requesting authentication by providing the credit card number and the amount to the card company computer after verifying the credit card data input in the second step at the computer of the commerce company; And a fourth step of informing the user that the transaction has been established and performing a corresponding electronic commerce when the card company computer generates an authentication confirmation signal in the third step.

On the other hand, according to a second aspect of the present invention for achieving the above object, a first process of requesting the credit card data to the user when the user accesses the e-commerce site to order the purchase of the desired product; A second process of allowing the user to recognize the front and back sides of the credit card using a scanner provided in the communication terminal and transmitting the data to a computer of a commerce company after the first process is performed; A third step of requesting authentication by providing the credit card number and the amount to the card company computer after verifying the credit card data input in the second step at the computer of the commerce company; And a fourth step of informing the user that the transaction has been established and performing a corresponding electronic commerce when the card company computer generates an authentication confirmation signal in the third step.

At this time, according to an additional feature of the present invention, in each of the third processes, after the input of the credit card data is confirmed at the computer of the commerce company, the computer of the commerce company is required to confirm the digital signature data by the user. It is preferable that it consists of.

On the other hand, according to a third aspect of the present invention for achieving the above object, a first process of storing the data by allowing the user to recognize the front and back of the credit card using a scanner provided in the communication terminal; After the first process is performed, when the user accesses an e-commerce site and orders the purchase of a desired product, the control computer of the commerce company provides the user with data such as a purchase price, an affiliated store number, and the user accordingly. A second process of making a payment by credit card directly by accessing the service; A third step of requesting the credit card data from the card company computer after the second process is performed, and providing the authentication confirmation signal to the computer of the commerce company after checking the input credit card data; And a fourth process of informing the user that the transaction has been established in the computer of the commerce company and performing the corresponding electronic commerce, when the card company computer generates the authentication confirmation signal in the third process. Provide user authentication method in electronic commerce.

The above objects and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

First, the present invention is intended to fundamentally prevent illegal use by others who do not have the credit card by including the authentication data using the actual credit card recognition data and the user's electronic signature data in the electronic commerce.

3 is a view showing the structure of an electronic commerce system for making a payment with a credit card according to the present invention, Figure 4 is a flow chart showing a user authentication operation and an electronic commerce operation according to the present invention.

Referring to FIG. 3, a system for carrying out the present invention comprises a communication terminal 10, a control computer 20 of a commerce company, and a card company computer 30, wherein the communication terminal 10 is a mobile phone. , A mobile communication terminal such as a PDA, etc., wherein the communication terminal 10 includes a scanner 11 for recognizing and storing a credit card as image data and an electronic pen for a user to digitally sign through a display unit. (12) is provided.

In addition, the control computer 20 of the commerce company is provided with a monitor 21 for displaying the received data, and a printer 22 for printing the sales slip.

With reference to the flowchart of Figure 4 attached to the user authentication operation and the e-commerce operation of the present invention using the system having the above configuration will be described.

First, the user recognizes the front and back sides of the credit card using the scanner 11 provided in the communication terminal 10 and stores the corresponding data. (See S11.)

Thereafter, when the user accesses an e-commerce site using a communication terminal 10 or a personal computer (not shown) and orders the purchase of a desired product (see S12), the control computer 20 of the commerce company provides the user with the user. Require credit card data (see S13).

When the user operates the communication terminal 10 and transmits the stored credit card data, the control computer 20 of the commerce company displays the data on the monitor 21 and at the same time the credit card information of the user stored in the internal database. The data is called for confirmation. (See S14)

After the user is confirmed through the credit card data by such an operation, the control computer 20 of the commerce company requests the electronic signature data from the user (see S15). In this case, the user uses the electronic pen 12. When the electronic signature is input to the display unit of the communication terminal 10, the communication terminal 10 recognizes this and transmits it to the control computer 20 of the commerce company (see S16).

After the verification step of the electronic signature is made, the control computer 20 of the commerce company provides the credit card number and the amount to the card company computer 30 to request authentication (see S17).

Thereafter, when the card company computer 30 generates an authentication confirmation signal, the control computer 20 of the commerce company notifies the user that the transaction has been established and performs the corresponding electronic commerce (see S18).

In this case, the control computer 20 of the commerce company can prepare for the dispute that may occur later by printing and storing the sales slip through the printer 22 connected thereto.

On the other hand, according to another embodiment of the present invention, the user orders the purchase of the desired product on the e-commerce site in the process of allowing the user to recognize the front and back of the credit card using the scanner 11 provided in the communication terminal 10 And when the control computer 20 of the commerce company requests the data of the credit card from the user.

In addition, according to another embodiment of the present invention, as shown in Figure 5, the communication terminal 10 transmits the data on the details of the transaction to the card company computer 20 to make a payment first, The card company computer 20 may send an authentication confirmation signal to the control computer 20 of the commerce company.

In detail, the communication terminal 10 recognizes the front and the back of the credit card using the scanner 11 to store data, and then the user accesses an e-commerce site and orders the purchase of a desired product. The company's control computer 20 provides the user with data such as purchase price, affiliated store number, etc. The user accesses the card company computer 30 and pays directly with the credit card.

Thereafter, the card company computer 30 requests the credit card data from the user, and after confirming the input credit card data, provides the authentication confirmation signal to the computer 20 of the commerce company.

The computer 20 of the commerce company receiving the authentication confirmation signal notifies the user that the transaction has been established and performs the corresponding electronic commerce.

While the invention has been shown and described with respect to particular embodiments, it will be apparent to those skilled in the art that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the appended claims. Anyone can grow up easily.

For example, in the above embodiment, the case of electronic commerce is taken as an example, but the present invention can be applied to a case where a user visits an affiliated store to purchase an item and pay with a credit card.

As described above, the user authentication method in the electronic commerce using the communication terminal having a scanning function of the present invention can accurately determine whether the user is using credit card data and the electronic signature before payment of the transaction credit card number. It is possible to fundamentally prevent the illegal use of other people's credit cards due to the leakage of e-commerce, which can activate electronic commerce.

Claims (4)

A first step of allowing the user to recognize the front side and the back side of the credit card using a scanner provided in the communication terminal to store data; A second process of requesting credit card data from a computer of a commerce company when a user accesses an e-commerce site and orders a purchase of a desired product after the first process is performed; A third step of requesting authentication by providing the credit card number and the amount to the card company computer after verifying the credit card data input in the second step at the computer of the commerce company; And In the third step, if the card company computer generates an authentication confirmation signal, a fourth step of informing the user that the transaction is established and performing the corresponding e-commerce; Electronic commerce using a communication terminal having a scan function, characterized in that it comprises a User Authentication Method in. A first step of requesting credit card data from the user when the user accesses an e-commerce site and orders a purchase of a desired product; A second process of allowing the user to recognize the front and back sides of the credit card using a scanner provided in the communication terminal and transmitting the data to a computer of a commerce company after the first process is performed; A third step of requesting authentication by providing the credit card number and the amount to the card company computer after verifying the credit card data input in the second step at the computer of the commerce company; And In the third step, if the card company computer generates an authentication confirmation signal, a fourth step of informing the user that the transaction is established and performing the corresponding e-commerce; Electronic commerce using a communication terminal having a scan function, characterized in that it comprises a User Authentication Method in. The method according to claim 1 or 2, The third process includes a step of checking the input credit card data on the computer of the commerce company, and then requesting and verifying the electronic signature data from the computer of the commerce company. User authentication method in electronic commerce using communication terminal. A first step of allowing the user to recognize the front side and the back side of the credit card using a scanner provided in the communication terminal to store data; After the first process is performed, when the user accesses an e-commerce site and orders the purchase of a desired product, the control computer of the commerce company provides the user with data such as a purchase price, an affiliated store number, and the user accordingly. A second process of making a payment by credit card directly by accessing the service; A third step of requesting the credit card data from the card company computer after the second process is performed, and providing the authentication confirmation signal to the computer of the commerce company after checking the input credit card data; And And a fourth step of informing the user that the transaction has been established by the computer of the commerce company and performing the corresponding electronic commerce in the third process, when an authentication confirmation signal is generated from the card company computer. User authentication method in electronic commerce using a terminal.