KR20010097114A - The record media having electronic money function, the cd electronic money automatic manufacturer and the electronic settlement commerce system using cd electronic money - Google Patents

Abstract

The present invention uses a CD as electronic money, manages the CD in a manner of approving payment from a specific web server connected to the Internet, and uses an encrypted authentication data and a client authentication program so that a user can use a separate ID and password. The present invention provides an electronic commerce payment system using a recording medium, a CD electronic money making machine, and a CD electronic money, which can be securely authenticated without using communication and has an electronic money function configured to recharge a desired amount at the request of a user.

Description

TECHNICAL SYSTEM USING CD ELECTRONIC MONEY}

The present invention relates to an electronic commerce payment system using a recording medium, a CD electronic money making machine, and a CD electronic money.

In general, the electronic payment system is a system for processing a computer transaction without cash payment of goods transactions or service fees, for example, such as a bank giro or credit card.

As described above, in order to process the price, a credit card, a prepaid card, a branch office or an automatic account transfer are used. However, there are many security problems and inconveniences in using the electronic payment through the above method.

In other words, in case of a credit card, personal information may be leaked due to the input of a credit card number and a password, and in the case of a prepaid card, a magnetic sensor may be attached, requiring a separate magnetic scanner or the like. There are disadvantages.

In addition, in the case of payment through Jiro, it is troublesome to use the bank for payment, or go through the necessary procedures for verification such as identity verification.In the case of automatic account transfer, the account number of the payer is leaked. Network type electronic money has the inconvenience of having to download and install the relevant program, smart card has a problem that each terminal must be prepared separately.

Therefore, in recent years, techniques for making electronic payments safely and conveniently by solving the above problems have been proposed.

For example, in the "Electronic Money Payment System for Internet Commerce" filed with the Korean Intellectual Property Office on August 11, 1999 and published on December 6, 1999, an electronic money card with a secret authentication number having a predetermined amount is used. We solved the security problem by credit card or cash card, but if you ran out of the amount recorded on the money card, you have to buy the money card directly at the store again. There is concern.

In addition, CDcash, which operates the website of the website address "http://www.cdcash.co.kr", uses a CD (Compact Disk: abbreviated as "CD") as an electronic payment form. By recording advertising data on CD, not only marketing means but also payment is made through CD's unique ID number so that no additional credit information is required (December 14, 1999, daily) Economic newspaper December 15, 1999).

However, the CD of CD Cache has a concept of one-time that is different from the concept of electronic money, that is, a gift certificate. Moreover, if you have used up the money recorded on the CD, you can go to the store like the above electronic money card and download the CD. There is an inconvenience to buy directly. In addition, since the user's password must be entered in order to use the CD of the CD cache company, not only has the risk of leaking the user's credit information, but also the inconvenience of input.

Accordingly, it is an object of the present invention to provide a recording medium having an electronic money function without the risk of exposing user information and without having to write ID and password separately.

Another object of the present invention is to provide a CD electronic money automatic production system for mass-producing a recording medium having an electronic money function.

Still another object of the present invention is to provide an electronic commerce payment system that can be traded using a CD having an electronic money function.

1 is a diagram showing a CD electronic money according to an embodiment of the present invention.

2 is a view for explaining a dedicated program according to an embodiment of the present invention.

Figure 3 is a block diagram showing a CD electronic money automatic manufacturing system according to an embodiment of the present invention.

4 is a view showing a CD electronic money maker according to an embodiment of the present invention.

5 is a block diagram illustrating an electronic commerce payment system using CD electronic money according to an embodiment of the present invention.

6 is a flowchart illustrating a method of operating an electronic commerce payment system using CD electronic money according to an embodiment of the present invention.

7 is a flowchart illustrating a method of operating an electronic commerce payment system using CD electronic money according to another embodiment of the present invention.

8 schematically illustrates a communication protocol in accordance with the principles of operation of the present invention.

<Explanation of symbols for the main parts of the drawings>

100: CD electronic money

101: encrypted authentication data

102: client authentication program

103: content

104: dedicated program

105: Start Page

106: main page

107: search items

108: real time ad server

109: advertising data

110: Internet Shopping Mall Server

111: Internet Shopping Mall Server List Data

112: CD Electronic Money Automatic Manufacturing System

113: CD Electronic Money Maker

114: data storage unit

115: CD Electronic Money Control Server

116: control unit

117: authentication data encryption unit

118: authentication data generation unit

119: database

120: communication line

121: CD printer

122: robot arm

123: data storage unit

124: Recorder

125: Holder

126: user

127: user computer

128: CD electronic money management server

129: CD Electronic Money Amount Recharge Server

130: user trading bank

131: CD Electronic Money Trading Bank

The above object is achieved by the technical idea of the present invention, and the computer-readable recording medium according to the present invention comprises: encrypted authentication data 101 made of uniquely identifiable data; In order to securely transmit the encrypted authentication data on the Internet, a client authentication program 102 for encrypting and transmitting the encrypted authentication data is recorded.

According to the present invention, since the encrypted authentication data and the client authentication program for transmitting the data securely are recorded on the recording medium, it is not necessary to write the user's ID and password separately, and the user's credit information is not exposed. E-commerce can be performed safely.

In addition, the present invention preferably, the recording medium, the marketing content 104 of the enterprise and the advertiser; A dedicated program 104 is further recorded to automatically connect to a predetermined advertisement server in order to receive advertisement data in real time, and to allow a user to search for and access a desired shopping mall server.

According to the present invention, since the content and a dedicated program are installed in the recording medium, there is no need to download and install a related program for internet payment, and since the Internet shopping mall is automatically connected, a user who does not know how to use a computer can easily Internet commerce can be promoted.

In the present invention, preferably, the recording medium is a compact disc.

According to the present invention, by using a compact disk instead of a floppy disk with a fear of losing data and having a small storage capacity, data can be held safely compared to a floppy disk, and a compact disk has a large storage capacity. Therefore, the user can be provided with various contents.

In addition, the automatic CD electronic money production system according to the present invention includes a CD electronic money control server 115 which takes encrypted authentication data, a client authentication program, a content, and a dedicated program from a database and transmits them sequentially; And a CD electronic money maker (113) for sequentially recording the encrypted authentication data, the client authentication program, the content, and the dedicated program received from the CD electronic money control server on a CD.

According to the present invention, since the contents of the database of the server controlled by the CD electronic money control server are sequentially recorded on the CD, a large amount of CDs can be automatically produced.

Preferably, the CD electronic money control server, the authentication data generation unit 118 for generating authentication data consisting of unique identifiable data; And an authentication data encryption unit 117 for generating encrypted authentication data by encrypting the authentication data generated by the authentication data generation unit 118 for security.

According to this invention, different encrypted authentication data are recorded on the CD.

In addition, the electronic commerce payment system using the CD electronic money according to the present invention, CD electronic money (100) recorded with encrypted authentication data consisting of unique identifiable data; At least one user computer (127) having a CD ROM drive for driving the CD electronic money and generating a transaction message for selecting and purchasing a product by accessing a specific Internet shopping mall homepage through an internet website; At least one Internet shopping mall server configured to provide product information to the user computer, and receive a transaction message including the encrypted authentication data from the user computer to generate an authentication request message for confirming whether the encrypted authentication data is authenticated. 110); And a CD electronic money management server 128 for receiving and verifying the authentication request message from the Internet shopping mall server and transmitting a payment approval message to the Internet shopping mall server so that the product is sent to a user who wishes to purchase the product. do.

According to the present invention, the CD having the respective electronic money function is managed by the CD electronic money management server, and when the user requests payment, the management server approves the payment after confirming the use, so that the user leaks the credit information. The payment can be made securely without.

Preferably, the CD electronic money management server checks the amount deposited to the corresponding bank according to the user's charge request message, and transmits an amount change request message including the encrypted authentication data to the CD electronic money management server. It is further provided with a charge server.

According to the present invention, when the user runs out of the available amount of the CD, the user can recharge the amount according to the user's authentication data in the amount charging server according to the user's deposit, so that the user does not need to purchase the CD again. There will be no.

As described above, the present invention uses a CD as electronic money, manages the CD in a manner of approving payment from a specific web server connected to the Internet, and uses an encrypted authentication data and a client authentication program. Electronic commerce payment system using a recording medium, CD electronic money making machine, and CD electronic money that can be securely authenticated by communication without inputting ID and password, and has an electronic money function configured to recharge a desired amount upon user's request. Its features are provided.

The present invention will now be described in more detail with reference to the accompanying drawings. Further objects and advantages of the present invention will be apparent from the following description, and the features of the present invention mentioned above will become more apparent.

1 is a diagram showing a CD electronic money 100 according to an embodiment of the present invention. As shown in FIG. 1, the CD electronic money 100 uses a CD-ROM drive that all computer users have as a terminal. The size and shape of the CD is not limited and can be designed for corporate advertising and promotion on the surface of the CD.

The CD electronic money 100 includes encrypted authentication data 101 such as a serial number that can be checked and authenticated by the CD electronic money management server (to be described later), and the encrypted authentication data ( The client authentication program 102 which encrypts 101 by the SEED algorithm, for example, and transmits via HTTP is recorded. For reference, SEED refers to the 12-bit block encryption algorithm, which was developed in July 1997 with the result of two years of research from 1997, led by the Information Protection Center in charge of domestic security policy. It is a domestic encryption algorithm published for verification. SEED, like DES, is a 128-bit block cipher algorithm based on the Feistel structure (see the 128-bit Block Cipher Algorithm (SEED Development and Analysis Report), published February 28, 99).

In addition, the CD electronic money 100 may further record the marketing content 103 of the company and the advertiser, for example, the company and the advertiser may store data related to marketing of their products as a video, graphics, voice, etc. In addition, catalogs and manuals of products, MP3s, games, and Internet access programs may be included.

In addition, the CD electronic money 100 is recorded with a dedicated program 104 to automatically connect to a predetermined advertising server in order to receive data in real time, and to search and access the desired shopping mall server. This dedicated program 104 will now be described with reference to FIG.

2 is a view for explaining a dedicated program according to an embodiment of the present invention. As shown in FIG. 2, when the CD electronic money 100 is inserted into a CD ROM drive of a user computer, a dedicated program 104 is automatically executed.

The dedicated program consists of a start page 105, a main page 106, and a search 107 item, which includes advertising data 109 produced under a contract from an internet advertising company. It is automatically connected to the advertisement server 108, and receives the advertisement data 109 in real time from the advertisement server 108. In addition, the main page 106 allows the user to execute content 103 such as advertisement data, games, shareware programs, and the like contained in the CD electronic money 100, and selects a search item 107 to display an Internet shopping mall. The Internet shopping mall server list data 111 linked to the server 110 may be retrieved.

3 is a block diagram showing a CD electronic money automatic manufacturing system 112 according to an embodiment of the present invention. As shown in FIG. 3, the CD electronic money automatic manufacturing system includes a CD electronic money control server 115 and a CD electronic money maker 113.

First, the CD electronic money control server 115 includes an authentication data generation unit 118 for generating different authentication data to be included in each CD electronic money 100, and authentication data for encrypting the authentication data in a preset manner. An encryption unit 117, a data storage database unit 119, and a control unit 116 for sequentially transmitting data to control the robot arm of the CD electronic money maker 113.

The database unit 119 stores not only the encrypted authentication data but also the client authentication program, content, and dedicated program described above to be included in the CD electronic money 100. The control unit 116 takes the encrypted authentication data, the client authentication program, the content and the dedicated program stored in the database unit 119 from the database and transmits them sequentially through the line 120 (including the network), thereby producing the CD electronic money maker 113. Data is stored in the data storage unit 114. In addition, the control unit 116 detects a recording error during CD production of the CD electronic money maker 113, and controls the robot arm 122 (described in FIG. 4) to select a CD generating an error.

Subsequently, the CD electronic money maker 113 will be described with reference to FIG. 4. The encrypted authentication data, the client authentication program, the content, and the dedicated program stored in the data storage unit 123 are stored in the CD by the robot arm 122. It is sequentially recorded on the CD which is moved from the holder 125 and is mounted.

Looking briefly at the manufacturing process of such a CD electronic money 100, first about 100 blank CD is provided in the holder. When the CD production program is executed by the control unit 116, the robot arm 122 automatically loads a CD provided in the holder into the CD recorder 124. In the CD recorder 124, data stored in the data storage unit is sequentially recorded on the loaded CD. After recording, the CD is transferred to the CD holder directly by the robot arm 122, or transferred to the CD printer 121, and then the label is attached to the upper surface of the CD and then transferred to the CD holder by the robot arm 122. By repeating this operation, the CD electronic money 100 is produced in large quantities.

Now, how the CD electronic money 100 produced as described above is used in the electronic commerce system using the Internet will be described with reference to FIG. 5. 5 is a block diagram illustrating an electronic commerce payment system using CD electronic money according to an embodiment of the present invention.

As shown in FIG. 5, the user 126 first purchases the CD electronic money 100 in which encrypted authentication data is recorded, and inserts the CD electronic money 100 into the CD ROM drive 127a included in the user computer 127. FIG. . At this time, as described above, the CD electronic money 100 is inserted into the CD ROM drive 127a and the dedicated program 104 recorded in the CD 100 is executed to automatically connect to the real-time advertisement server 108. As a result, the advertisement data 109 is executed in real time, and is connected to the Internet shopping mall server 110 through a search. The user 126 may select a corresponding product according to the product information transmitted from the database 110c of the internet shopping mall server 110.

When the user 126 who selects the product presses the payment button, a transaction message is generated, which includes not only the encrypted authentication data extracted from the CD ROM drive 127a by the execution of the client authentication program 127b but also the product. This includes the identifier, the buyer's address and contact details, the date the item was shipped and the purchase price.

The customer transaction server 110a of the Internet shopping mall server 110 receives the transaction message from the user computer 127, and stores the transaction details of the buyer in the database 110c through the database interlocking unit 110b. Generate an authentication request message for confirming whether the encrypted authentication data according to the transaction message is authenticated. In addition to the data included in the transaction message, the authentication request message includes the URL of the shopping mall that the user has transacted and the authentication request data generated by the customer transaction server 110.

The authentication server 128a of the CD electronic money management server 128 receives the authentication request message, stores the authentication request message in the database 128d via the database interlocking unit 128c, and requests the payment server 128b to confirm the payment. . At this time, all data included in the authentication request message are stored in the database 128d, the payment server 128b verifies the encrypted authentication data stored in the database 128d to generate a payment approval message, and then a payment approval message. Is transmitted to the Internet shopping mall server 110 through the authentication server 128a, and the converted amount information is stored in the database 128d via the data linking unit 128c again.

Subsequently, the Internet shopping mall server 110 receives and stores the payment approval message, transmits a payment receipt to the user computer 127, and provides a product selected by the user, thereby ending the above-described transaction and payment.

Meanwhile, the electronic commerce payment system using the CD electronic money according to the present invention confirms the amount deposited to the corresponding bank according to the user's charge request message, and the amount including the encrypted authentication data in the CD electronic money management server. The apparatus may further include a money recharging server 129 for transmitting a change request message.

Specifically, when the user runs out of the amount of the CD electronic money 100, the user transfers the amount of money request message containing the encrypted authentication data to the CD electronic money amount charging server 129 and at the same time the user transaction bank ( When the fee is transferred to the CD electronic money trading bank 131 at 130, the charging server 129 checks whether the fee is transferred to the trading bank 131, and then encrypts the user at the CD electronic money management server 128. The changed authentication data and the amount information change message. The CD electronic money management server 128 stores the encrypted authentication data and the amount information change message of the user in the database 128d, and sends the payment approval message according to the transaction message of the user to the Internet shopping mall server 110 in the above-described manner. send.

6 is a flowchart illustrating a method of operating an electronic commerce payment system using CD electronic money according to an embodiment of the present invention. Referring to FIG. 6, when the CD electronic money according to the present invention is inserted into the CD ROM drive of the user computer in step 132, the dedicated program is automatically executed in step 133, and the user is connected to the Internet shopping mall server in step 134.

When the user selects a product in step 135, it is confirmed whether an address and a contact are input in step 136, and when an address and a contact are input in step 137, the user selects CD electronic money as a payment method in step 138. When the user clicks the payment button in step 139, the payment is terminated by checking the remaining amount in step 140 and the aforementioned payment and approval process.

7 is a flowchart illustrating a method of operating an electronic commerce payment system using CD electronic money according to another embodiment of the present invention. 7 is different from FIG. 6 in that the payment is made in a state where the dedicated program is not automatically executed. That is, when the user accesses the Internet shopping mall server in step 141 and the user selects a product in step 142, it is determined whether an address and a contact are input in step 143, and when the user inputs an address and a contact in step 144, At 145, the user selects the CD electronic money as the payment method. When the user clicks the payment button in step 146, it is confirmed whether the CD electronic money is inserted in step 147, and then payment is terminated through the check of the remaining amount and the payment and approval process described above in step 148.

8 is a diagram schematically illustrating a communication protocol according to an operating principle of the present invention. That is, when the user accesses the homepage of the Internet shopping mall server through the user computer, the Internet shopping mall transmits information about the product, a list or the amount of money to the user computer through the Internet network.

The purchaser of the user's computer searches for a product selection, a purchase condition or a payment method, and then selects a payment method using CD electronic money for payment of the product. When the user selects the payment of CD electronic money, the Internet shopping mall server takes encrypted authentication data and requests the CD electronic money management server for an authentication procedure related to payment. The CD electronic money management server verifies the encrypted authentication data. The result is transmitted to the user through the Internet shopping mall server. If there is no problem of verification, the remaining amount is displayed, the transaction is approved, and the money transfer is performed, so that the Internet shopping mall server sends the product according to the payment. In this way, the purchase and settlement of goods through the Internet is made.

As described above, according to the present invention, since the compact disc having each electronic money function is managed by the CD electronic money management server, and the user requests payment, the user is configured to approve payment after confirming the use. You can make a secure payment without leaking your credit information. In addition, the present invention does not require the user to repurchase the CD because the user can recharge the amount according to the user's authentication data in the amount charging server according to the user's deposit when the user runs out of the amount of the CD. In addition, according to the present invention, since encrypted authentication data and a client authentication program for transmitting the same securely are recorded on the recording medium, there is no need to separately write the user's ID and password, and the user's credit information is not exposed. E-commerce can be performed safely.

Claims (7)

Encrypted authentication data 101 comprised of uniquely identifiable data; In order to securely transmit the encrypted authentication data on the Internet, the client authentication program 102 for encrypting and transmitting the encrypted authentication data again. A computer-readable recording medium, characterized in that the recorded. The method of claim 1, wherein the recording medium, Marketing content 104 of businesses and advertisers; Dedicated program 104 to automatically connect to a predetermined advertising server in order to receive the advertising data in real time, the user can search and access the desired shopping mall server And a computer readable recording medium characterized by further recording. The method according to claim 1 or 2, And the recording medium is a compact disc. A CD electronic money control server 115 which takes encrypted authentication data, client authentication program, content and dedicated program from the database and transmits them sequentially; CD electronic money maker 113 for sequentially recording the encrypted authentication data, client authentication program, content and dedicated program received from the CD electronic money control server on a CD CD automatic money automatic manufacturing system comprising a. The method of claim 4, wherein the CD electronic money control server, An authentication data generator 118 for generating authentication data consisting of uniquely identifiable data; Authentication data encryption unit 117 for generating encrypted authentication data by encrypting the authentication data generated by the authentication data generation unit 118 for security CD automatic money automatic manufacturing system comprising a. A CD electronic money 100 in which encrypted authentication data composed of unique identifiable data is recorded; At least one user computer (127) having a CD ROM drive for driving the CD electronic money and generating a transaction message for selecting and purchasing a product by accessing a specific Internet shopping mall homepage through an internet website; At least one Internet shopping mall server configured to provide product information to the user computer, and receive a transaction message including the encrypted authentication data from the user computer to generate an authentication request message for confirming whether the encrypted authentication data is authenticated. 110); CD electronic money management server 128 for receiving and verifying the authentication request message from the Internet shopping mall server and transmitting a payment approval message to the Internet shopping mall server so that the goods are sent to the user who wants to purchase the goods. E-commerce payment system using the CD electronic money, characterized in that it comprises a. The money recharging server of claim 6, wherein the money recharging server transmits a money change request message including the encrypted authentication data to the CD electronic money management server by checking the money deposited to the corresponding bank according to the user's money recharge request message. 129) further comprises an electronic commerce payment system using CD electronic money.