KR20010097697A - Payment system using a optic recording medium with a certification function and method thereof - Google Patents

Abstract

The present invention is a payment system and method using an optical recording medium having an authentication function. According to the present invention, a bank, a prepaid card issuer and a credit card computer unit issue an optical record medium including authentication information linked with bank account information, balance information and credit information, respectively, on the user side. The authentication management unit checks the bank account information, balance information, or credit information associated with the optical recording medium according to the request for authentication of the optical recording medium from the shopping mall management unit to check whether the transaction is authorized, and if the transaction is authorized, in response to the purchase request. Provide the required amount information on the goods to the bank, prepaid card issuer, etc. to update the amount information or to obtain the authorization number from the credit card company provided to the shopping mall management department to permit the transaction.

As a result, it is possible to simplify the process of separately inputting personal credit card information or financial information by using an optical record medium connected with a bank account, prepaid card company balance information and credit card information, and having an authentication function for electronic commerce or Internet banking. It may also be possible to block the exposure of authentication information.

Description

Payment system using a optic recording medium with a certification function and method

The present invention relates to an electronic commerce payment system and a method thereof, and more particularly, to a debit / prepaid / postpaid system and method for performing e-commerce or Internet banking using an optical recording medium having an authentication function.

With the advent of the information age, the world is increasingly relying on network communications, and computer-based technologies have a profound impact on accessing, storing, and distributing information, the most representative of which is electronic information on network communications. It is an electronic commerce that performs financial transactions by exchanging.

1 is a view for explaining a general electronic commerce.

Referring to FIG. 1, when a consumer manipulates a user computer 10 and sends a purchase intention to a shopping mall market server 20 through an internet or a van network in a cyber space, the shopping mall market server 20 requests the certification authority 30 to authenticate the buyer's payment method, and the payment gate 40 is secured by the financial institution 50 such as the bank, credit card company, or prepaid card issuing company that issued the payment method. After querying an authentication database, an e-commerce transaction is approved.

In such electronic commerce, electronic money for electronic commerce is used as a payment method of the transaction, and the type is IC card type electronic money and amount information used as electronic money by inputting the amount information into a rechargeable IC chip attached to the card. Is classified as a network type electronic money stored in the user's hard disk and used as electronic money.

However, in the case of such an e-commerce, in an open network such as the Internet, messages transmitted and received are illegally intercepted or tampered with, and security problems such as infringement of the privacy of the payer or financial loss are becoming obstacles to the e-commerce. There is a need for a safe and efficient electronic trading system.

In general, a typical payment system on the Internet enters personal credit information in the case of using a credit card, that is, a credit card number and expiration date in the case of a credit card, and a bank account number or a password in the case of a bank account transfer. It is a method of inputting in a certain form on a line, and in the case of a prepaid card, an ID (ID) and a password are input in a form on a line.

However, the user directly inputs the personal credit information or financial information for a conventional e-commerce in a form provided by the operator. The personal information is exposed on the network, or the provided credit information or bank information is neglected and cracked. As a result of the invasion of the company, it is hindering the development of conventional e-commerce.

In particular, when using a hacking tool such as Back Orifice, it is extremely dangerous to enter personal information in a collaborative work place such as a game room or workplace because all contents input through the keyboard are hacked to hackers or crackers with impure purposes. have.

In addition, on the user side, the process of inputting and authenticating various data performed for electronic commerce required a complicated and cumbersome process.

Therefore, the technical and problem of the present invention are to solve such a conventional problem. The first object of the present invention is to store authentication information associated with a user's bank account information in an optical record medium and to perform electronic commerce. It is to provide a debit system using an optical recording medium having an authentication function to purchase goods or services by using the linked deposit information.

In addition, the second object of the present invention is to store the authentication information associated with the prepaid card information of the user prepaid in the optical recording medium to purchase the goods or services by using the prepaid card information associated with the authentication information when doing electronic commerce To provide a prepaid system using an optical recording medium having information.

In addition, a third object of the present invention has an authentication function that can purchase goods or services by using the credit card information associated with the authentication information when the electronic record to store the authentication information associated with the user's credit information on the optical recording medium It is to provide a postpay system using an optical recording medium.

In addition, a fourth object of the present invention is to provide a debit method using an optical record medium having an authentication function connected to the bank account information of the user.

It is a fifth object of the present invention to provide a prepaid method using an optical recording medium having an authentication function connected to the prepaid card information of the user.

In addition, a sixth object of the present invention is to provide a postpaid method using an optical recording medium having an authentication function connected to the user's credit information.

1 is a view for explaining a general electronic commerce.

2 is a view for explaining a debit system using an optical recording medium having an authentication function according to an embodiment of the present invention.

3 is a flowchart illustrating a debit method using an optical recording medium having an authentication function according to an embodiment of the present invention.

4 is a view for explaining a prepaid system using an optical recording medium having an authentication function according to an embodiment of the present invention.

5 is a flowchart illustrating a prepaid method using an optical recording medium having an authentication function according to an embodiment of the present invention.

6 is a view for explaining a postpaid system using an optical recording medium having an authentication function according to an embodiment of the present invention.

7 is a flowchart illustrating a postpaid method using an optical recording medium having an authentication function according to an embodiment of the present invention.

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

100: user PC 200: shopping mall server

300: payment server 400: bank computer

410: bank server 420: bank account DB

500: prepaid card company computer unit 510: prepaid card issuer server

520: Balance information DB 600: Credit card company computer

610: credit card company server 620: credit card DB

The debit system using the optical recording medium having an authentication function according to one feature for realizing the first object of the present invention,

Shopping mall management;

A bank computer unit for issuing an optical recording medium including authentication information linked to the bank account information of the user to the user, and outputting a transfer result of the corresponding account in response to a request for transfer of the money for the goods or services; And

In response to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the balance information of the bank account associated with the optical recording medium is checked to check whether the transaction is permitted, and if the transaction is authorized, in response to the purchase request. And providing the requested amount information on the goods or services to the bank computer unit to update the amount information and permitting the transaction according to the extraction information of the amount information.

In addition, the prepaid system using the optical recording medium having an authentication function according to one feature for realizing the second object of the present invention,

Shopping mall management;

A prepaid card company computing unit for issuing an optical recording medium including authentication information linked to the user's prepaid balance information and outputting the balance information result in accordance with a request for payment and authentication of the amount of the goods or services; And

In response to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the prepaid card company information associated with the optical recording medium is checked to check whether the corresponding transaction is permitted, and if the transaction is authorized, respond to the purchase request. And providing the required amount information on the corresponding item to the prepaid card company computer unit to update the amount information and permitting the transaction according to the extraction of the amount information.

In addition, the postpay system using the optical recording medium having an authentication function according to one feature for realizing the third object of the present invention,

Shopping mall management;

A computer unit for issuing a credit card issuing company for issuing an optical recording medium including authentication information linked to a user's credit information and outputting the result of the credit information in accordance with a request for approval of the amount of the goods or services; And

According to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the credit information associated with the optical recording medium is checked to check whether or not the transaction is permitted, and when the transaction is authorized, in response to a purchase request, And an authentication management unit for providing the requested amount information to the credit card issuing computer unit to request approval of the transaction, and authorizing the transaction when the approval is obtained.

In addition, the debit method using the optical recording medium having an authentication function according to one feature for realizing the fourth object of the present invention,

(a) accessing the bank and requesting an account transfer when an authentication request of the optical record medium is input;

(b) checking whether the bank transfer result is notified from the bank; And

(c) If the result of the transfer is not reported in step (b), feedback to step (a) is requested to retransfer the account, and if the result is notified, the result of the transfer is notified to the store or the user. It includes a step.

Also, a prepaid method using an optical recording medium having an authentication function according to one feature for realizing the fifth object of the present invention described above.

(a) accessing the prepaid card company to check the purchase request amount and the amount of the prepaid balance when an authentication request of the optical recording medium is input;

(b) transmitting the transaction permission message and updating the prepaid balance information when the purchase request amount is less than or equal to the prepaid balance in the step (a); And

and (c) transmitting a balance shortage message if the purchase request amount is greater than the prepaid balance in step (a).

In addition, the postpay method using the optical recording medium having an authentication function according to one feature for achieving the sixth object of the present invention,

(a) accessing the credit card company and requesting authorization when an authentication request of the optical record carrier is input;

(b) checking whether an authorization number is issued from the credit card company; And

(c) if the approval number is not issued in step (b), feed back to step (a) to request the approval again, and if the approval number is issued, notify the store or user side of the approval number. .

According to the debit / prepaid / postpaid system and the method using the optical recording medium having the authentication function, an electronic commerce or internet banking of the optical recording medium having an authentication function linked to the bank account or prepaid card company balance information, credit card information, etc. By using such a card, the process of individually inputting credit card information or financial information separately can be greatly simplified, and the inconvenience caused by the use of electronic commerce can be eliminated.

Then, embodiments will be described so that those skilled in the art can easily implement the present invention.

2 is a view for explaining a debit system using an optical recording medium having an authentication function according to an embodiment of the present invention.

2, a debit system using an optical recording medium having an authentication function according to an embodiment of the present invention includes a user PC 100, a shopping mall server 200, a payment server 300 and a bank computer unit 400. do.

The user PC 100 generally accesses the Internet backbone network via an Internet Service Provider (ISP) or a network (LAN, WAN, VAN, etc.) to perform a series of Internet surfing. When the user PC 100 performs internet shopping, a unique ID (ID), which is issued by the bank computer unit 400 and has access to the bank account transfer, information about the issuing bank, a password, and the like, is issued. The stored optical record medium is mounted to perform payment processing for the shopping.

At this time, the payment function (PG) by the optical recording medium is managed on the mainframe, is issued with a unique ID to access the bank account transfer, the issuance of the optical recording medium is issued by the bank computer 400 Although described, the payment server 300 may also issue.

The optical recording medium described in the present invention includes a CD-ROM capable of reading data only, a CD-R capable of recording data once, and a CD-RW capable of rewriting and deleting data several times. The concept includes a DVD (Digital Versatile Disc).

When the product search is requested from the user PC 100 via the Internet service provider (ISP), the shopping mall server 200 provides the user PC 100 with information about the corresponding item, and the order for a specific item is When the optical recording medium issued by the bank computer unit 400 is input to the payment method, the payment server 300 requests authentication processing for the optical recording medium, and according to the response, the article is requested. Or services.

The payment server 300 requests a bank transfer from the shopping mall server 200 to the bank computer 400 when an authentication request for an optical record medium issued by the bank computer 400 is input, and the result is returned according to the response. It is provided to the shopping mall server 200.

The bank computer unit 400 includes a bank server 410 and a bank account DB 420. The bank computer unit 400 issues an optical recording medium including authentication information connected to the user's bank account information to the user, and supplies the goods or services. According to the request for the transfer of funds, the transfer result of the corresponding account is output.

In more detail, the bank server 410 is stored in the bank account DB 420 when a request for bank transfer from the payment server 300 is input, and the bank server 410 inquires the balance information of the optical recording medium issued to the user to request the request. If the amount information is less than or equal to the balance information, transfer the corresponding amount to a bank account associated with the shopping mall server 200 and provide a transfer result message to the payment server 300, and the requested amount information is larger than the balance information. In this case, the balance server lacks a message to the payment server 300.

3 is a flowchart illustrating a debit method using an optical recording medium having an authentication function according to an embodiment of the present invention.

2 and 3, the payment server 300 first checks whether the authentication process is requested from the shopping mall server 200 (step S110). In this case, the request for authentication processing provided from the shopping mall server 200 includes account information opened in a specific bank of the user side recorded on the optical recording medium, and the optical recording medium used here is opened in a specific bank online. It plays a role similar to a debit card.

When there is a request for authentication processing from the shopping mall server 200 in step S110, the payment server 300 accesses the bank computer 400, preferably the bank account DB 420 (step S120), Request a bank transfer (step S130). Of course, the target account to be transferred is a bank account associated with the shopping mall server 200 side.

Subsequently, the payment server 300 checks whether the bank transfer result is notified from the bank computer 400 (step S140), and if the account transfer result is not notified, feeds back to the step S130 to request a bank transfer again, If the result of the transfer is notified, the shopping mall server 200 is notified of the authentication number including the result of the transfer (step S150).

As described above, in the case of the debit method according to an embodiment of the present invention, the debit is made by using an optical recording medium that stores the financial information of the user, for example, authentication information linked to a bank account. You can block exposure to financial information.

In addition, the debit method according to an embodiment of the present invention can be used as an internet banking card that can be used for payment, such as account transfer and personal finance information, as well as payment for internet shopping.

4 is a view for explaining a prepaid system using an optical recording medium having an authentication function according to an embodiment of the present invention.

Referring to FIG. 4, the prepaid system using the optical recording medium having an authentication function according to an embodiment of the present invention includes a user PC 100, a shopping mall server 200, a payment server 300, and a prepaid card company computer 500. Include.

In general, the user PC 100 accesses the Internet backbone network via an Internet Service Provider (ISP) to perform a series of Internet surfing, and in the case of performing Internet shopping, the user prepaid card company (500). The payment process for the shopping is carried out by installing an optical ID which is issued by the user and has access to the prepaid card company, and stores an ID, a password, etc. of the prepaid card company that issued the prepaid card. Perform In this case, the payment function (PG) stored in the optical recording medium is managed in the main frame, and is issued with a unique ID to access the prepaid card company, and the issuance of the optical recording medium is issued by the prepaid card company computer 500. Although described, the payment server 300 may also be issued.

When an article search is requested from the user PC 100 through the ISP, the shopping mall server 200 provides information on the corresponding article, an order for a specific article is requested, and at this time, a prepaid card company computer unit as a payment method. When the optical recording medium issued by 500 is input, the payment server 300 requests authentication processing for the optical recording medium, and provides the goods or services according to the response.

The payment server 300 requests an authentication to the prepaid card company computer 500 when an authentication request of an optical recording medium issued by the prepaid card company computer 500 from the shopping mall server 200 is input, and the authentication result according to the response. To the shopping mall server 200.

The prepaid card company computer 500 includes a prepaid card issuer server 510 and a balance information DB 520, and issues an optical recording medium including authentication information connected to a user's prepaid balance information to the user. According to the payment and authentication request for the amount of goods or services from the payment server 300 outputs the corresponding balance information result stored in the balance information DB 520 to the payment server 300.

More specifically, the prepaid card issuer server 510 checks balance information on the issued optical recording medium stored in the balance information DB 520 when an authentication request is input from the payment server 300, and the requested amount information is displayed. If the balance information is less than or equal to the balance information, the corresponding amount is transferred to the bank account associated with the shopping mall server 200 and the transfer result message is provided to the payment server 300. If the requested amount information is greater than the balance information, the balance The lack of message is provided to the payment server 300.

Here, the optical recording medium used as a prepaid card is a payment medium that introduces a concept of a gift certificate, and can perform internet shopping through a prepaid card issued by a prepaid card issuer, and balance information of the prepaid card issuer 500. When the balance stored in the DB 520 is insufficient, the insufficient balance may be filled by the user through online deposit processing or through a bank transfer or a cash service based on credit card sales.

5 is a flowchart illustrating a prepaid method using an optical recording medium having an authentication function according to an embodiment of the present invention.

4 and 5, first, it is checked whether the authentication process is requested (step S210), and when the authentication process is requested, the prepaid card company computer 500 is accessed (step S220).

Then, it is checked whether the purchase requisition amount is less than or equal to the prepaid balance information (step S230), and if the purchase requisition amount is less than or equal to the prepaid balance information, the transaction authorization message is transmitted to the store side or the user side. The balance information stored in the balance information DB 520 is updated (step S240).

In step S230, if the purchase request amount is larger than the prepaid balance information, a balance shortage message is transmitted to the store side or the user side (step S250).

As described above, according to the prepaid system according to the embodiment of the present invention, the value information is stored in advance in the authentication server, and the user can purchase and use a prepaid card corresponding to a predetermined amount in advance. Since prepaid cards in the form of electronic wallets can be distributed and prepaid cards can be used for a certain amount, when purchasing paid information or goods at a shopping mall, the amount can be paid to the shopping mall by the prepaid card company within the limit paid in advance. .

6 is a view for explaining a postpaid system using an optical recording medium having an authentication function according to an embodiment of the present invention.

Referring to FIG. 6, a deferred payment system using an optical recording medium having an authentication function according to another embodiment of the present invention includes a user PC 100, a shopping mall server 200, a payment server 300, and a credit card company computing unit 600. It includes.

In general, the user PC 100 accesses the Internet backbone network via an Internet Service Provider (ISP) to perform a series of Internet surfing, and when performing Internet shopping, is performed by the credit card company computer unit 600. It is issued and equipped with an optical record medium that stores a unique ID (ID) associated with the user's credit card, information about the issuing bank, a password, and the like, and performs payment processing for the shopping. Here, although it has been described that the optical card issuance is issued by the credit card company computer 500, the payment server 300 may also be issued.

At this time, the authentication function stored in the optical recording medium (CS) is managed with a unique ID that is managed in the mainframe, encrypted to access the credit card information, issuance of the optical recording medium by the credit card company computer unit 600 Although it has been described that is issued, it may also be issued in the payment server 300.

When the product search is requested from the user PC 100 through the Internet service provider (ISP), the shopping mall server 200 provides information on the corresponding goods, and an order for a specific product is requested, and at this time, payment is made. When the optical record medium issued by the credit card company computer unit 600 is input by the means, the payment server 300 requests the authentication process for the optical record medium, and provides the goods or services according to the response. do.

If the payment server 300 receives a request for approval of the optical recording medium issued by the credit card company computer unit 600 from the shopping mall server 200, the payment server 300 requests the approval from the credit card company computer unit 600, and the result according to the response. The authorization number and the like are provided to the shopping mall server 200.

The credit card company computing unit 600 includes a credit card company server 610 and a credit card DB 620, issues an optical recording medium including authentication information connected to the user's credit information to the user, and the payment server 300. When there is a request for approval of the amount of the goods or services from the authorization number that is the result of the credit information is output to the payment server 300.

More specifically, the credit card company server 610 is stored in the credit card DB 620 when the authorization request is input from the payment server 300, the credit for the optical record medium issued by the credit card company computer unit 600 If it is determined that there is no reason for disqualification in the credit information by providing the information, the approval number is provided to the payment server 300, and if it is determined that there is a reason for disqualification in the credit information, an unauthorized approval message is provided to the payment server 300. do.

7 is a flowchart illustrating a postpaid method using an optical recording medium having an authentication function according to an embodiment of the present invention.

6 and 7, first, it is checked whether the authentication process is requested (step S210).

If there is a request for authentication processing in step S210, the DB of the credit card company is accessed (step S220), and an authorization request is made (step S230).

Then, it is checked whether or not the approval number has been issued (step S240). If the approval number is not issued, it is fed back to step S230, and when the approval number is issued, the approval number is notified to the store side or the user side (step S250).

As described above, the present invention can block the exposure of the credit card information of the individual by making a postpaid payment by using the optical recording medium storing the authentication information associated with the credit card information in advance.

In the above, the optical record medium issued by the bank merely described a debit function that is linked to a bank account for shopping in a shopping mall on the Internet, or the optical record medium may be used for internet banking such as money transfer as well as payment for purchase of goods or services. Can be used as a card.

As described above, the present invention uses an optical record medium that stores authentication information linked to a user's credit card information, a bank account, and prepaid amount information when a transaction is made on the Internet. May block the possibility of exposure or fraudulent use of credit information resulting from exposure on-line during the e-commerce process, and credit card information (credit card number / expiration date, etc.) or finance for e-commerce transactions. By greatly simplifying the inconvenience of entering information (account number / password), the inconvenience of electronic commerce can be greatly simplified.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

As described above, according to the present invention, the payment means using the optical recording medium storing the user's prepaid information, the bank account information, the authentication information associated with or authorized to access the credit card information is a conventional form input. It can fundamentally block the risk of personal credit or financial information exposure from credit card or Internet banking, and overcome the inconvenience of procedure by using authentication information stored in optical record media without inputting authentication information directly. can do.

In addition, a user using an optical recording medium having an authentication function according to the present invention can directly input authentication information by simply mounting the optical recording medium possessed for payment in an optical recording medium drive provided in his or her own PC. There is no need for a separate key operation.

In addition, the payment system using the optical recording medium according to the present invention can block the use of others even if lost by having to register and use the password.

In addition, according to the present invention there is no fear that credit card information or financial information is exposed to crackers, etc., and a separate key input process for inputting credit information or financial information is reduced, thereby simplifying its use.

Claims (7)

Shopping mall management; A bank computer unit for issuing an optical recording medium including authentication information linked to the bank account information of the user to the user, and outputting a transfer result of the corresponding account in response to a request for transfer of the money for the goods or services; And In response to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the balance information of the bank account associated with the optical recording medium is checked to check whether the transaction is permitted, and if the transaction is authorized, in response to the purchase request. Authentication management unit for providing the requested amount information on the goods or services to the bank computer unit to update the amount information, and to permit the transaction according to the extraction information of the amount information Debit system using an optical recording medium having an authentication function comprising a. The optical recording medium of claim 1, wherein A debit system using an optical recording medium having an authentication function, characterized in that for performing an internet banking function. Shopping mall management; A prepaid card company computing unit for issuing an optical recording medium including authentication information linked to the user's prepaid balance information and outputting the balance information result in accordance with a request for payment and authentication of the amount of the goods or services; And In response to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the prepaid card company information associated with the optical recording medium is checked to check whether the corresponding transaction is permitted, and if the transaction is authorized, respond to the purchase request. By providing the requested amount information on the corresponding item to the computer system of the prepaid card company to update the amount information, and the authentication management unit that permits the transaction in accordance with the extraction of the amount information Prepaid system using an optical recording medium having an authentication function comprising a. Shopping mall management; A computer unit for issuing a credit card issuing company for issuing an optical recording medium including authentication information linked to a user's credit information and outputting the result of the credit information in accordance with a request for approval of the amount of the goods or services; And According to a request for checking the authentication information of the optical recording medium from the shopping mall manager, the credit information associated with the optical recording medium is checked to check whether or not the transaction is permitted, and when the transaction is authorized, in response to a purchase request, An authentication management unit that provides the requested amount information to the credit card issuing computer unit to request approval of the transaction, and authorizes the transaction when the approval is obtained. Deferred payment system using an optical recording medium having an authentication function comprising a. (a) accessing the bank and requesting an account transfer when an authentication request of the optical record medium is input; (b) checking whether the bank transfer result is notified from the bank; And (c) If the result of the transfer is not reported in step (b), feedback to step (a) is requested to retransfer the account, and if the result is notified, the result of the transfer is notified to the store or the user. Steps to Debit method using an optical recording medium having an authentication function comprising a. (a) accessing the prepaid card company to check the purchase request amount and the amount of the prepaid balance when an authentication request of the optical recording medium is input; (b) transmitting the transaction permission message and updating the prepaid balance information when the purchase request amount is less than or equal to the prepaid balance in the step (a); And (c) in the step (a), if the purchase requisition amount is larger than the prepaid balance, transmitting a balance shortage message; Prepaid method using an optical recording medium having an authentication function comprising a. (a) accessing the credit card company and requesting authorization when an authentication request of the optical record carrier is input; (b) checking whether an authorization number is issued from the credit card company; And (c) if the approval number is not issued in step (b), feed back to step (a) to request the approval again; if the approval number is issued, notify the store or user side of the approval number. Postpay method using an optical recording medium having an authentication function comprising a.