KR20020003084A - Checking service providing method on the electronic commerce through the Internet - Google Patents

Abstract

PURPOSE: A method for providing a payment service of an Internet-based electronic commerce by using a client payment application is provided to simplify the payment process and to offer personal client-oriented service by having all financial trades achieved through a personal computer. CONSTITUTION: A personal customer(30) is connected to an enterprise customer server(32) through the Internet. The enterprise customer server(32) comprises a database(34) in order to store purchase and payment confirmation information of the personal customer(30). An electronic settlement certification server(1) connects the personal customer(30) to the enterprise customer server(32) simultaneously. The electronic settlement certification server(1) includes a database(3) in order to process approval information from a settlement relay institution or a payment institution as well as process data by receiving respectively personal settlement information and payment information of the enterprise. The electronic settlement certification server(1) is connected to a settlement relay institution server(36) for approving finally the financial trade of a credit company.

Description

Checking service providing method on the electronic commerce through the Internet}

The present invention relates to a method of providing a payment service for electronic commerce over the Internet, and more particularly, the exchange of payment information between electronic payment servers is an application method for protecting payment information of a general customer in electronic commerce through the Internet. The present invention relates to a payment service providing method of an electronic commerce through the Internet, which is performed through authentication.

E-commerce using the Internet is widely used in various ways, is emerging as a new business strategy for general companies, and provides the convenience that individuals do not have to spend time shopping on purpose. E-commerce using the Internet in such a convenient way is easy for the user to further improve its convenience and advantages, and the most important thing is to ensure safety and product quality in the transaction.

However, the conventional electronic commerce generally can not shake off the safety and anxiety of the transaction from the perspective of the company rather than the user convenience.

1 illustrates a general network configuration in a conventional electronic commerce.

The individual customer 10 is connected to the corporate customer server 12 via the Internet, and the corporate customer server 12 is provided with a database 14 for storing purchase information and payment confirmation information of the individual customer 10. have. An electronic payment relay server 16 connected to the corporate customer server 12 is provided, which receives data of the company's payment including personal payment information and processes the data as well as approval information from the payment institution. There is a database 18 for processing.

The electronic payment relay server 16 is connected to the payment institution server 20 where final approval for the financial transaction is made.

In the conventional electronic commerce structured as described above, all of the individual's credit information is stored in the database of the corporate customer and provided to the electronic payment relay server 16 through which the personal financial information and the personal information can be exposed. You can see that the risk is very high.

In other words, from the perspective of the individual who is a real customer, a company called a corporate customer has not only personal credit card information but also account information and personal information, and accordingly, personal credit information is highly likely to be disclosed on a network. In addition, there was a problem in that it is difficult for an individual to purchase a small amount of goods.

Next, from the point of view of the corporate customer, the card information input on the Internet could not confirm the authenticity of the legitimate person's information, which could be called the actual personal information because of the anonymity on the Internet, and it was possible to confirm whether the order details were not misunderstood. There was no problem.

In addition, there was a lot of restrictions on the sale of a small amount of digital content, and the cost was increased because the networking with a bank or a card company must be separately provided, and the contractual conditions were many because various conditions had to be satisfied to implement a network.

Therefore, in the related art, as described above, it is difficult to construct an electronic commerce without any burden from the viewpoint of an individual and a corporate customer, and it is concerned about the side effects thereof, and the problem occurs in a considerable frequency.

SUMMARY OF THE INVENTION An object of the present invention is to provide a method for providing a payment service for electronic commerce through the Internet, which enables a secure electronic commerce in which information leakage does not occur by allowing an individual to directly manage the financial information of the individual. .

Another object of the present invention is that if an individual downloads and installs payment information from a client application from the application provider through a payment application provider and through this, the integrity and authentication with the server of the payment application provider is performed at this time, By checking and confirming payment information, the process is performed on the physical space in which the corresponding client application is located. In the subsequent purchase of the product, only the authentication by the client application is performed while the payment information at the time of payment is stored in the corresponding customer. How to provide e-commerce payment service through the Internet, which enables reliable e-commerce by providing payment information directly to the payment institution when identity verification is completed through the payment application provider. To provide.

Still another object of the present invention is to provide a payment service providing method of electronic commerce through the Internet, which enables an individual to directly manage payment information and to perform various business with respect to the individual.

1 is a view showing an example of a conventional electronic commerce through the Internet.

2 is a view showing an embodiment of a payment service providing method of an electronic commerce through the Internet according to the present invention.

3 is a flowchart illustrating a flow for providing a service according to an embodiment of FIG. 2.

4 is a diagram illustrating an example of a configuration of a database connected to the electronic payment authentication server according to the embodiment of FIG. 2.

5 is a view showing an example of a web page that can access the electronic payment authentication server according to an embodiment of the present invention.

6 is a view shown by clicking the icon of FIG.

※ Explanation of code about main part of drawing ※

1: Electronic payment certificate server 30: Individual customer 32: Corporate customer server

3, 34, 38, 42: database 36: payment relay (PG) server 40: payment institution server

In order to achieve the above object, a method of providing a payment service for an electronic commerce through the Internet according to the present invention, when a purchase request for a product from an individual customer is connected to a company customer's site through the Internet, the information on the purchase request Recording in the database of the enterprise server, providing the purchase request information from the enterprise server to the computer network of the electronic payment authentication server, recording the transmitted purchase request information in the database of the payment institution; Returning the purchase request information to the purchaser to confirm whether the purchase information is satisfied, requesting payment information for the corresponding product, and checking the returned purchase request information by the individual customer, ID and password verified through the integrity and authentication of payment information stored in Providing to the electronic payment authentication server of the application provider, providing the information of the individual identified in the electronic payment authentication server to the electronic payment relay server, and payment of the approval request for the purchase from the electronic payment relay server Requesting the institution server, transmitting the approval result information to the electronic payment relay server after the approval history is recorded in its own database from the payment institution server, and the approval result is stored in the database of the electronic payment relay server. After the payment confirmation information is characterized in that it is provided with the step of transmitting to the individual customer and the corporate server through the electronic payment authentication server.

The payment information is stored in a computer of the individual customer, and the payment information becomes personal financial information such as a bank account number and a credit card number.

The electronic money may be partially merged through any one or a combination of a payment account, a credit card, a Mondex card, and points generated on the web.

In addition, the personal customer and the corporate customer is preferably registered in the electronic payment authentication server in advance to have a user qualification.

In addition, the existing payment relay (PG) server may belong to the same institution as the payment authentication server, it is preferable that the payment application provider is directly linked to the payment institution server, such as credit card companies.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 shows a schematic network configuration for showing an example in which information is provided according to an embodiment of the present invention.

The individual customer 30 is connected to the corporate customer server 32 via the Internet, and the corporate customer server 32 is provided with a database 34 for storing purchase information and payment confirmation information of the individual customer 30. have. Electronic payment authentication server (1) is provided for connecting the individual customer 30 and the corporate customer server 32 at the same time, the server receives the individual payment information and the company's payment information separately to process the data. In addition, a database 3 for processing approval information from a payment relay (PG) institution or a payment institution is provided.

In addition, the electronic settlement authentication server 1 is connected to the payment relay server 36, which is finally approved for the financial transaction of the credit company.

A detailed process according to the embodiment configured as described above will be described with reference to FIG. 3.

First, the individual customer 30 is connected to the corporate customer server 32 through the Internet to apply for a predetermined product purchase (S2), the corporate customer server 32, the information about the product to the database 34 After storing (S4), the electronic payment authentication server 1 provides the purchase request information for the product (S6). Then, the electronic payment authentication server (1) inputs the information on the corresponding product in the database (3) (S8), and asks the personal customer 30 to confirm the order for the goods you want to purchase individual customer 30 This check (S10). The individual customer 30 is registered in advance as a member of the electronic payment authentication server 1, downloads and installs the client application from the application provider, and verifies the authentication and integrity of his payment information and identity verification during registration. Through the server, a keeping operation is performed from the server to the physical space in which the client application is located. Accordingly, the identification of the individual can be replaced by verifying the customer ID and password registered in the electronic payment authentication server 1. Could be.

At this time, the order confirmation provided is information about the product to be purchased, namely, manufacturer, quantity, price, terms of payment, shipping destination, etc. After confirming the identity through the electronic payment relay server 36 is provided (S12). In this case, the payment information provided may include bank account information for direct payment, card information of a credit card, various online card information used for online transactions (for example, card information such as Mondex card, and e-money acquired through online ( e-Money) and point scores).

At this time, the personal payment information provided must be extremely secure and must be protected by various security solutions. In other words, the most commonly provided SSL (Secure Socket Layer) 128 bit data encryption method is basically provided, and the digital signature method, public key infrastructure, services authorized by the certification authority, Database backup and recovery methods are required. In the implementation of the digital signature method, a message is first prepared, and a message generator generates a digital signature by hashing or checksum. When the message and the digital signature are combined and encrypted with a secret key and then transmitted, the message is decrypted with the public key and the digital signature is extracted through the message. The real name is then verified after performing the digital signature and verification procedure.

The electronic payment authentication server (1) updates the payment information again (S14), and the payment information for the goods to the relay agency server 36 or payment institution server 40, such as a payment relay agency, bank or credit card company To provide the request for approval (S16). In the relay server 36, the payment information of the individual provided by the individual customer 30 is searched in the database 42 of the payment institution server 40, and if the approval is possible, the data is input (S18) and the approval information is updated. Provided to the electronic payment authentication server (1) (S20). In the electronic payment authentication server (1), the approval information is updated in the database (3) in association with the information on the goods and payment information (S22) and then payment is made to the corporate customer server 32 and the individual customer 30. It provides payment confirmation information indicating that the (S24).

At this time, the information to be updated in the database 3 can be presented in the form of the example of Figure 4, which includes the ID, customer ID, user ID, port number, order ID, transaction ID, company code, Information such as product number, customer ID, social security number, payment method, amount, time, approval result code (approval number) may be included.

In particular, in the case of payment using a credit card, information such as customer ID, serial number, order date, merchant number, approval time, authorization number, purchaser code, response code, etc. is updated.

An example of the implementation of the above-mentioned e-commerce is shown in FIG. 5. When a user purchases an item by accessing a specific site, one part of the site 50 is allocated and one-click (One) to the electronic payment authentication server 1. Link the icon 52 which can be directly connected by a method such as Click. If you want to pay by clicking the electronic payment authentication server (1) provides a page 54 as shown in Figure 6 as the client application of the customer by checking the personal information, payment, personal budget management (Personal Budget Management) After selecting the desired menu, such as one bill (One Bill) and EBPP (Electronic Bill Presentment and Payment), the customer provides a payment method and personal financial information.

As such, the payment information of the individual customer 30 is not input through the corporate customer server 32, but the payment relay server 36 or the payment institution server 40 through the electronic payment certificate server 1 directly from the individual customer 30. ) Has the advantage of preventing the leakage of personal credit information, financial information, etc. to the outside.

Therefore, according to the present invention, all the financial transactions generated while the electronic commerce on the Internet is made through the personal computer, not only can simplify the cumbersome payment process, but also enable the purchase of small products and the authenticity of the card user. It is effective to prevent denial of use and to support postpay.

It is effective to provide personal customer-centered service that does not leak information by personally recording and storing personal financial information without managing it separately.

In addition, in performing an e-commerce, payment of a transparent usage fee is made to a corporate customer, and various services and payment methods are provided to an individual.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the technical scope of the present invention, and such modifications and modifications are within the scope of the appended claims.

Claims (6)

When a purchase request for a product from an individual customer is made by accessing a site of a corporate customer through the Internet, recording the information on the purchase request in a database of the corporate server; Providing the purchase request information from the enterprise server to a computer network of an electronic payment authentication server; Recording the purchased request information in the database of the payment application provider; Returning the purchase request information from the payment verification server to the buyer to confirm whether the actual purchase information is satisfied, and requesting payment information for the corresponding product; Confirming the returned purchase request information by the individual customer and providing payment information stored in the computer to the electronic payment authentication server; Recording customer payment information together with customer identification from the electronic payment authentication server and requesting an approval request for a purchase from the electronic payment authentication server to a relay or payment institution server; Transmitting the approval result information to the electronic payment relay server after approval information is recorded in its database from the relay or payment institution server; And, After the approval result is stored in the database of the electronic payment authentication server through the electronic payment relay server, payment confirmation information is transmitted to the individual customer and the corporate server; Method of providing a payment service for electronic commerce over the Internet, characterized in that it comprises a. The method of claim 1; The payment information is guaranteed through the application between the payment authentication server and the client to ensure authentication and integrity, and only the corresponding ID and password are confirmed in the authentication server when transmitting the payment information to the payment relay server. Method for providing a payment service for electronic commerce over the Internet, characterized in that the stored. The method of claim 1; The authentication server of the electronic payment institution is provided with a server of a payment relay (PG) institution or operated in a separate institution, the payment service providing method of the electronic commerce over the Internet. The method of claim 1 or 2; The payment information is financial information of an individual such as a bank account number and a credit card number, and the electronic money is any one of a payment account, a credit card, a Mondex card, and points generated on the web. To provide payment services The method of claim 1 and 4; Method of providing a payment service for electronic commerce via the Internet, characterized in that when using the payment method of electronic money used in the payment means, a combination of any one or a combination of the above payment account, credit card, Mondex card, points is possible. . The method of claim 1; The personal customer and the corporate customer is registered in the electronic payment authentication server in advance has a user qualification characterized in that the electronic commerce payment service providing method through the Internet.