KR20020003797A - Internet service for providing temporary credit card number - Google Patents

Abstract

PURPOSE: A method for supplying a disposable credit card number is provided to activate electronic commerce by enabling a user to safely pay the price for a product without the need for issuing a special credit card, and by enabling the user to easily purchase the product through the Internet. CONSTITUTION: A credit card holder registers a number and a password of a credit card. In case that the credit card holder makes a request, a disposable password is issued to the credit card holder. In case that there's a request for authenticating the disposable password or paying a price with the credit card, the credit card is authenticated and the price is paid by the credit card according to conditions determined by issuing the disposable number of the credit card.

Description

Internet service for providing a temporary credit card number {Internet service for providing temporary credit card number}

There are many ways to use credit cards safely on the Internet. First, there may be security technology in computers and networks. This technology is intended to prevent illegal leaks in the way that credit card numbers are passed between buyers and sellers. Another option is to secure credit card companies by grouping buyers and sellers into a group, using software supplied by the card company on their computers. Some Internet companies accept membership and perform the same functions as debit cards.

The above technologies and methods provided by companies have a lot of restrictions on the widespread use of credit card holders on the Internet, resulting in exposing the credit card number of the credit card holder to the other party. While it may be difficult for someone who knows someone else's credit card number to get money from the company that issued the credit card, exposing the credit card number is actually very dangerous because it can be used illegally, such as on the Internet.

In addition, the credit card number of the credit card holder is exposed to the other party through the credit card used when the credit card holder purchases goods in restaurants and department stores.

Credit cards are used as a means of payment for debit or credit transactions in the purchase of goods and services, but they are not used for the purpose of money transfer like electronic money.

Accordingly, it is an object of the present invention to provide a service method that enables secure use of credit cards on the Internet.

It is another object of the present invention to provide a service method that enables a credit card to be used safely in a general store rather than the Internet.

It is still another object of the present invention to provide a service method that enables a credit card to be used as a method of transferring money like electronic money.

In order to achieve the above object, the present invention uses a method of providing a credit card number which can be used temporarily or once. The characteristic of commerce on the Internet is that all participants use computers connected to the Internet at the time of transaction. When there is a company, a seller who issues a credit card as a Internet commerce participant, and a buyer who holds a credit card, a service company that provides a disposable credit card number according to the present invention becomes a new participant. Also involved are service companies that provide Internet infrastructure, and hackers. The one-time credit card number service provider (hereinafter referred to as an 'Internet credit card service company') on the Internet receives the credit card holder's registration and checks the credit card holder's credit status from the company that issued the credit card. When registering, the credit card holder's password is registered. Passwords can be a combination of letters and numbers. When a registered credit card holder tries to make a purchase on the Internet, he / she first enters the web site of his or her registered internet credit card service provider, enters his or her credit card number and password, and obtains a one-time credit card number. In the credit card number field on the web. This prevents the credit card holder from disclosing his or her credit card number to the seller and prevents the one-time credit card number from being used repeatedly for other purposes by those who know the number. Internet credit card service providers use only one-time credit card numbers to approve, pay, and extinguish the card number immediately upon approval of the first Internet seller. Merchants receive payments in a similar way as when they charge their credit card companies against Internet credit card services. The Internet credit card service provider accepts payment from the credit card company registered by the credit card holder.

An internet credit card service provider can give credit card holders a number of attributes when issuing a one-time credit card number, which will enhance the device and convenience to prevent illegal use, such as payment amounts, vendor names or IDs, valid transaction dates and times. Can be.

Credit card numbers are also exposed when a credit card holder makes a payment at a regular store, not on the Internet. To prevent this, the credit card number is exposed through the use of wired and wireless communication equipment, telephones, mobile phones, PDAs, computers, etc. by accessing telephone services or the Internet or Internet-based services and information, and obtaining and using disposable credit card numbers. Can be prevented.

In the case of bank transfer, the recipient of the money informs the payer of the account, and the payer designates and transfers the recipient's account number and amount. Recipients cannot check the payment immediately and have a problem with exposing their account numbers. If the payer sets a limit on the amount of money and receives a one-time credit card number and passes it to the recipient, the recipient may enter the one-time credit card number into his or her credit card account or the credit card account associated with the account to receive the deposit. . When used in a mobile phone, the recipient can immediately check the payment details, and both the payer and the recipient can complete the transfer of the money without exposing their personal information, thereby enabling a function similar to electronic money.

An internet credit card service company may also be the company that issued the credit card.

As described above, the use of a disposable credit card number according to the present invention provides a payment method that can be used with confidence without providing a separate credit card for the Internet to a buyer having a credit card. It will open the way for Internet commerce to be widely activated, making it easy to buy through and widening the way for sellers to sell.

In addition, exposure of individual credit card numbers can be significantly reduced if one-time credit card numbers are used in general commerce rather than on the Internet.

In addition, if a single-use credit card number is issued and used for the purpose of bank transfer, the one-time credit card number will be the underlying technology for the credit card to perform functions similar to electronic money.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the technical spirit of the present invention. Therefore, the technical scope of the present invention should not be limited to the contents described in the detailed description of the specification but should be defined by the claims.

Claims (2)

Obtain a credit card number and password from the holder of the credit card; Issue a one-time credit card number upon request from a registered person; And In the event of a request for a credit card business, such as authorization or payment for a one-time credit card number, authorization or payment shall be performed in accordance with the conditions attached to the issuance of the proposed one-time credit card number; The way of providing services with a means. The method of claim 1, All types of cards with individual accounts or linked accounts, such as debit cards, cash cards, internet cyber cards, electronic wallets and mileage cards, with unique identification numbers for payments, rewards and financial transactions. Or a service method, which is replaced with an account service.