KR20010106053A - E-Commerce User Authentication Method Using a Mobile Phone - Google Patents

E-Commerce User Authentication Method Using a Mobile Phone Download PDF

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Publication number
KR20010106053A
KR20010106053A KR1020000027576A KR20000027576A KR20010106053A KR 20010106053 A KR20010106053 A KR 20010106053A KR 1020000027576 A KR1020000027576 A KR 1020000027576A KR 20000027576 A KR20000027576 A KR 20000027576A KR 20010106053 A KR20010106053 A KR 20010106053A
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KR
South Korea
Prior art keywords
server
user
user authentication
message
mobile phone
Prior art date
Application number
KR1020000027576A
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Korean (ko)
Inventor
황재엽
양기호
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황재엽
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 황재엽 filed Critical 황재엽
Priority to KR1020000027576A priority Critical patent/KR20010106053A/en
Publication of KR20010106053A publication Critical patent/KR20010106053A/en

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Classifications

    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • 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

The invention relates to an inspection microscope for the semiconductor industry. The microscope stand consists of a foot (1), a pillar (4) and a crosshead (5). In order to facilitate unobstructed feeding of samples from the back part of the microscope stand, the pillar (4) is mounted laterally next to the back end of the foot (1) and the crosshead (5) arranged thereon when seen from the front. This makes it possible to save space and avoid adaptations when integrating the microscope stand into the clusters in the test area of the semiconductor industry and to feed test objects directly from the back to the miscroscope stage (3). In an especially advantageous construction of the stand, the inspection microscope is particularly suitable for examining large-surface objects (e.g. flat screens or 400 mm wafers).

Description

휴대폰을 이용한 전자상거래 이용자 인증 방법{.}E-Commerce User Authentication Method Using Mobile Phone {.}

본 발명은 전자상거래에서의 이용자 인증에 관한 것으로서, 종래에는 신용카드로 대금을 결제하고자 할 때, 웹사이트에서 신용카드번호 및 유효기간 등 몇 가지 사항을 입력하는 것으로 대금이 결제가 되었다.BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to user authentication in electronic commerce, and in the past, when a user wishes to pay with a credit card, payment is made by inputting a few items such as a credit card number and an expiration date on a website.

본 발명은 상기의 방법이, 신용카드의 정당한 이용자가 아닌 사람이라도 카드번호 및 유효기간 등만 알고 있어도 인터넷에서 얼마든지 상기 카드를 이용하여 대금을 결제할 수 있는 단점이 있어 이를 해결하고자 한다.The present invention is to solve this problem, even if the person who is not a legitimate user of the credit card, even if you know only the card number and expiration date, you can pay the price using the card at any time.

도 1은 본 발명에 따른 시스템 구성 및 흐름도.1 is a system configuration and flow diagram in accordance with the present invention.

이하에서는 본 발명의 구성 및 작용을 도면을 참조하여 설명하고자 한다.Hereinafter, the configuration and operation of the present invention will be described with reference to the drawings.

도 1은 본 발명에 의한 시스템 구성 및 흐름도이다.1 is a system configuration and flow chart according to the present invention.

먼저, 이용자가 자신의 컴퓨터(1)로 인터넷상의 홈쇼핑서비스를 이용할 때, 이용자가 상품을 주문(S100)하기 위하여 자신의 신용카드 정보를 홈쇼핑서버(2)로입력하면(S100), 홈쇼핑서버(2)는 신용카드사의 서버(3)에게 거래승인을 요청(S200)하게 된다. 이때 거래내역이 함께 전달된다. 상기 신용카드사의 서버(3)에는 상기 이용자가 인증절차를 수행하기 위하여 지정한 핸드폰번호가 저장되어 있으며, 상기 핸드폰번호를 참조하여 이동통신사의 서버(4)를 통하여 상기 거래내역의 정보를 포함한 이용자 인증 요청 메시지를 상기 이용자에게 발신한다(S300). 상기 이동통신사의 서버(4)는 이용자의 핸드폰으로 상기 정보와 인증 요청 메시지를 전송(S400)한다. 이용자는 수신된 거래내역을 확인하고 그 내용이 자신이 주문한 내용과 일치하면 이용자인증에 따른 절차를 수행(S500)한다. 이 절차는 대금결제용 비밀번호같은 것일 수 있으며, 이는 이용자의 카드와 핸드폰을 동시에 습득한 부당한 이용자가 부당한 대금을 결제하는 것을 방지하기 위함이다. 상기의 이용자인증결과는 이동통신사의 서버(4)를 통해 신용카드사의 서버로 다시 전달(S600)되며, 신용카드사의 서버(3)는 홈쇼핑사에게 거래를 승인(S700)하게 되며, 홈쇼핑서버(2)는 상기 이용자에게 거래처리결과를 출력(S800)하게 되는 것이다. 또한 상기의 절차에서 이용자 인증 요청 메시지는 홈쇼핑과 같은 가맹점서버(2)가 발신하고 그 답신도 상기 가맹점서버가 수신하여 상기 답신내용을 첨부하여 신용카드사의 서버에게 거래승인을 요청할 수도 있으며, 이용자 인증 요청 메시지를 가맹점서버(2)가 하고 그 답신은 신용카드사의 서버가 수신하여 거래승인을 해주는 방법도 가능하다.First, when the user uses the home shopping service on the Internet with his computer 1, when the user inputs his or her credit card information to the home shopping server 2 in order to order the product (S100) (S100), the home shopping server ( 2) the server (3) of the credit card company requests a transaction approval (S200). At this time, transaction details are delivered together. The server 3 of the credit card company stores a mobile phone number designated by the user to perform the authentication procedure, and the user authentication including the transaction history information through the server 4 of the mobile communication company with reference to the mobile phone number. The request message is sent to the user (S300). The server 4 of the mobile communication company transmits the information and the authentication request message to the user's mobile phone (S400). The user checks the received transaction details and if the contents match the contents of his order, the user performs a procedure according to user authentication (S500). This procedure may be something like a payment password, to prevent an illegitimate user who has acquired the user's card and mobile phone at the same time to make an undue payment. The user authentication result is delivered back to the server of the credit card company through the server 4 of the mobile communication (S600), the server (3) of the credit card company to approve the transaction to the home shopping company (S700), the home shopping server ( 2) outputs the transaction processing result to the user (S800). In addition, in the above procedure, the user authentication request message is sent by the merchant server 2 such as home shopping, and the reply is received by the merchant server, and the attachment of the reply can be requested to the server of the credit card company for transaction approval. The merchant server 2 sends the request message and the reply is received by the server of the credit card company to approve the transaction.

이렇게 함으로써, 항상 곁에 소지하게 되는 자신의 핸드폰에서 비밀번호를 입력하여 인증을 하지 않는, 즉, 신용카드소지자 자신이 모르는 결제는 이루어지지않기 때문에 안전한 이용자인증이 보장되는 것이다.By doing so, the user does not authenticate by entering a password on his mobile phone that is always with him, that is, secure payment is not guaranteed because the credit card holder does not know himself.

상기의 구성에서 신용카드는 반드시 신용카드일 필요는 없으며, 전자결제용 금융서비스의 가입자번호나 그 밖의 전자화폐일 경우에 모두 적용이 가능하다.In the above configuration, the credit card does not necessarily need to be a credit card, and can be applied to any subscriber number or other electronic money of the electronic payment financial service.

또한 본 발명은 전자상거래에만 적용되는 것은 아니며, 일반적인 거래에 있어서도 적용이 가능한데, 즉, 카드로 결제를 할 때, 일반적으로 카드소지자가 서명을 하는 것으로 본인임을 인정받고 정당한 사용으로 인정받게 되는데 본 발명에 의하면 카드가맹점에서의 거래승인요청절차를 수행하는 중에 카드의 정당한 이용자의 휴대폰으로 거래확인 메시지가 전송이 되며 상기 메시지에 확인답신을 회신해야만 거래승인이 이루어지도록 하는 것이다. 이는 카드의 부당한 이용자가 상기 카드의 정당한 이용자의 서명을 흉내내어 부당한 사용을 하게 되는 것을 막을 수 있는 효과가 있다.In addition, the present invention is not only applied to e-commerce, but also applicable to general transactions, that is, when paying with a card, generally the cardholder is recognized as a person signing and is recognized as a legitimate use. According to according to the transaction approval request procedure in the card merchant is a transaction confirmation message is sent to the mobile phone of the legitimate user of the card and the transaction approval is to be made only after returning a confirmation reply to the message. This has the effect of preventing an improper user of a card from imitating the signature of a legitimate user of the card.

이상의 설명에서 알 수 있는 바와 같이, 본 발명은 신용카드 및 그 밖의 전자결제용 가입자번호만으로 전자결제를 하고자 할 때 이용자의 인증을 안전하게 하는 효과가 있다.As can be seen from the above description, the present invention has an effect of securely authenticating a user when attempting to make an electronic payment with only a credit card and other electronic payment subscriber number.

Claims (2)

신용카드 및 전자화폐의 거래승인 절차에 있어서, 가맹점으로부터의 거래승인요청(S200)이 있으면, 금융사의 서버(3)가 이동통신사의 서버(4)에게 이용자의 거래내역정보를 포함하는 이용자 인증 요청 메시지를 발신하는 단계(S300)와, 상기 이동통신사의 서버(4)가 상기 메시지를 이용자에게 전송하는 단계(S400)와, 상기 메시지를 이용자가 수신하여 그 답신을 이동통신사의 서버(4)가 수신하는 단계(S500)와, 상기 답신을 상기 금융사의 서버(3)로 전송하는 단계(S600)로 이루어진 것을 특징으로 하는 이용자 인증 방법.In the transaction approval procedure of the credit card and electronic money, if there is a transaction approval request (S200) from the merchant, the server 3 of the financial company requests the user authentication request including the transaction history information of the user to the server 4 of the mobile communication company. Transmitting the message (S300), transmitting the message to the user by the server 4 of the mobile communication company (S400), and receiving the message by the user, and the server 4 of the mobile communication company sends the reply. Receiving step (S500), and transmitting the reply to the server (3) of the financial institution (S600) characterized in that the user authentication method. 제 1항에 있어서, 상기 거래내역정보는 결제수단이 되는 카드 또는 그 밖의 전자화폐의 인식번호 및 결제할 금액이 포함되어 있으며, 상기 메시지에 대한 답신절차에는 상기 금융사의 서버(3)에 미리 저장되어 있는 결제용 비밀번호를 입력하도록 하는 과정이 포함되어 있는 것을 특징으로 하는 이용자 인증 방법.The method of claim 1, wherein the transaction history information includes the identification number of the card or other electronic money that is the payment means and the amount to be paid, and the reply procedure for the message is stored in advance in the server (3) of the financial company. User authentication method comprising the step of inputting the payment password that has been.
KR1020000027576A 2000-05-18 2000-05-18 E-Commerce User Authentication Method Using a Mobile Phone KR20010106053A (en)

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Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010069524A (en) * 2001-04-13 2001-07-25 김영익 Credit card verification method using wireless terminal of credit card customers
KR20020043995A (en) * 2000-12-05 2002-06-14 김상배 System and method that is credit card sanction approval that use radio terminal in electronic commerce
KR20020066596A (en) * 2001-02-12 2002-08-21 강정호 A system verifying a approval for business and an method therefor
KR20020081832A (en) * 2001-04-19 2002-10-30 (주)이너베이 Method for charging process using mobile communication device
KR20020082930A (en) * 2001-04-24 2002-11-01 주식회사 시크릿 뱅크넷 Device and method for making firm card settlement using mobile communication cellular phone
KR20020083195A (en) * 2001-04-26 2002-11-02 주식회사 비즈모델라인 System and Method for the electronic billing process and authentication using the synchronized wire-wireless complex system
KR20030088626A (en) * 2002-05-13 2003-11-20 원용성 The mobile that displays the spent credit money
KR20040069920A (en) * 2003-01-30 2004-08-06 주식회사 모바일런트 Method and system of processing an additional card settlement approval using a number selection of the cellular phone
KR20040075206A (en) * 2003-02-20 2004-08-27 윤강희 Credit card sanction system using wireless terminal and method thereof
KR20170056010A (en) * 2014-10-20 2017-05-22 알리바바 그룹 홀딩 리미티드 Verification method and apparatus

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20020043995A (en) * 2000-12-05 2002-06-14 김상배 System and method that is credit card sanction approval that use radio terminal in electronic commerce
KR20020066596A (en) * 2001-02-12 2002-08-21 강정호 A system verifying a approval for business and an method therefor
KR20010069524A (en) * 2001-04-13 2001-07-25 김영익 Credit card verification method using wireless terminal of credit card customers
KR20020081832A (en) * 2001-04-19 2002-10-30 (주)이너베이 Method for charging process using mobile communication device
KR20020082930A (en) * 2001-04-24 2002-11-01 주식회사 시크릿 뱅크넷 Device and method for making firm card settlement using mobile communication cellular phone
KR20020083195A (en) * 2001-04-26 2002-11-02 주식회사 비즈모델라인 System and Method for the electronic billing process and authentication using the synchronized wire-wireless complex system
KR20030088626A (en) * 2002-05-13 2003-11-20 원용성 The mobile that displays the spent credit money
KR20040069920A (en) * 2003-01-30 2004-08-06 주식회사 모바일런트 Method and system of processing an additional card settlement approval using a number selection of the cellular phone
KR20040075206A (en) * 2003-02-20 2004-08-27 윤강희 Credit card sanction system using wireless terminal and method thereof
KR20170056010A (en) * 2014-10-20 2017-05-22 알리바바 그룹 홀딩 리미티드 Verification method and apparatus

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