KR20020005437A - Method and system of providing temporary credit care number using internet - Google Patents

Abstract

PURPOSE: A method and a system of providing temporary credit care number using the Internet are provided to prevent any damage due to a leakage of a credit number information. CONSTITUTION: A buyer requests an issue of a credit card to a credit card company using the Internet or offline(S2). The buyer having an issued credit card is connected with a disposable credit card number providing server(S6). The buyer who registered the disposable credit card number providing server is connected with an Internet sale site(S10). The Internet sale site displays an item on a terminal(cellular phone) of the buyer(S12). The buyer determines to buy a certain item among the items provided by the Internet sale site(S14). The buyer requests an issue of a disposable credit card number by connecting with the disposable credit card number providing server(S16). The buyer who received the disposable credit card number buys a certain item in the Internet sale site using the disposable credit card number(S20). The disposable credit card number providing server requests an approval of the disposable credit card number corresponding to the disposable credit card number(S26). The buyer receives an item delivered from the Internet sale site(S38, S40). The Internet sale site requests the price of the item of the buyer from the disposable credit card number providing server(S42).

Description

Method and System of Providing Temporary Credit Care Number Using Internet}

The present invention relates to a method and a system for providing a disposable credit card number using the Internet, in particular, a method and system for providing a disposable credit card number using the Internet to provide a disposable credit card number in order to prevent damage caused by credit card exposure. It is about.

Currently, credit card users are exploding due to the ease of use. Such credit cards are used to purchase goods not only in daily life but also on various sites of the Internet.

In the purchase of a credit card using the Internet, the credit card number should not be exposed to malicious users. Therefore, network security technology is currently used to purchase credit cards using the Internet. However, the security of these networks cannot completely prevent credit card number exposure.

On the other hand, when the credit card number is exposed to malicious users, the credit card user is greatly damaged. For example, a malicious user may purchase goods on the Internet using the exposed credit card number or loan a predetermined amount using the credit card number. Due to such exposure of credit cards, credit card users are hesitant to use credit cards using the Internet, and as a result, they are hindering the establishment of a credit society.

However, if the user of the credit card uses the credit card in everyday life (for example, department store, restaurant, etc.), the number of the credit card is exposed to the seller of the product. In addition, a conventional credit card cannot be transferred to another person like electronic money or cash.

Accordingly, an object of the present invention is to provide a method and system for providing a disposable credit card number using the Internet to provide a disposable credit card number in order to prevent damage caused by credit card exposure.

1 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a first embodiment of the present invention.

Figure 2 is a flow chart showing the operation of the disposable credit card number providing system shown in FIG.

3 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a second embodiment of the present invention.

4 is a flow chart showing the operation of the disposable credit card number providing system shown in FIG.

5 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a third embodiment of the present invention.

FIG. 6 is a flowchart illustrating an operation process of the disposable credit card number providing system illustrated in FIG. 5.

7 is a flowchart showing a method of providing a disposable credit card number according to a fourth embodiment of the present invention.

8 is a flowchart showing a method of providing a disposable credit card number according to a fifth embodiment of the present invention.

9 is a view showing in detail the disposable credit card number providing server shown in FIG.

10 is a flowchart illustrating an operation process of the member registration server illustrated in FIG. 9.

FIG. 11 is a flowchart illustrating an operation process of the one time credit card number issuing server shown in FIG. 9;

12 is a flowchart showing the operation of the one-time credit card number approval server shown in FIG.

FIG. 13 is a flowchart illustrating an operation process of a payment server shown in FIG. 9;

<Description of Symbols for Main Parts of Drawings>

2: Buyer 4: Internet

6: Internet sales site 8: One-time credit card number provision server

10,16 Credit card company 12: Financial settlement agency

14: financial network 18: merchandise store

20: member registration server 22: one-time credit card number issuing server

24: one-time credit card number authorization server 26: payment server

28: Subscriber DB 30: Credit DB

32: disposable credit card DB

In order to achieve the above object, a method of providing a disposable credit card number using the Internet of the present invention comprises the steps of a buyer having a credit card issuing a disposable credit card number from a disposable credit card number providing server, and using the disposable credit card number. Purchasing a product from at least one of the Internet site and the merchandise store, and confirming the approval of the disposable credit card number at the Internet site or the merchandise store in the one-time credit card number providing server, and the one-time credit card number providing server Confirming whether or not the credit card corresponding to the disposable credit card number is approved by the buyer's credit card company, and receiving the payment by billing the disposable credit card number providing server for the product at the internet site or the merchandise store where the product was sold; , One-time credit card number provision server Billing the amount they paid to the credit card company to receive payment, and credit card company billing the amount paid by the buyer to the buyer.

The disposable credit card number providing server is characterized in that it is installed in the credit card company.

The buyer is characterized by receiving a disposable credit card number using any one of a terminal, a computer and a mobile phone.

The one-time use of the credit card number is characterized in that the use is prohibited by the one-time use credit card number providing server.

The purchaser is characterized in that the usage amount of the disposable credit card number is determined at the time of issuing the disposable credit card number.

The disposable credit card number for which the usage amount is determined may be transferred.

The credit card number corresponding to the one-time credit card number and the one-time credit card number further comprises the step of receiving approval from the financial settlement agency.

The one-time credit card number providing server stores a one-time card issuing program, and the buyer may download and install the one-time card issuing program to receive the one-time credit card number.

When the icon of the one-time issuance program is moved by the buyer to the drag-and-drop method on the Internet sales site, the one-time issuance program is characterized in that the one-time credit card number is issued from the one-time credit card number providing server and delivered to the Internet sales site. .

The purchaser further includes registering as a member in a one-time credit card number providing server to obtain a one-time credit card number.

The member registration step includes the steps of inputting personal information and password by the buyer, checking the credit status of the buyer using the received personal information, and storing the personal information and password in the subscriber database if the credit status is good. And issuing an ID to the purchaser whose personal information and password are stored in the subscriber database.

Receiving a one-time use of the credit card number, the buyer inputs the ID and password to the one-time credit card number providing server, confirming the use of the entered ID and password, and the entered ID and password can be used If so, the method may include generating a one-time credit card number and delivering it to the buyer, and storing the one-time credit card number in the database.

The step of confirming whether the one-time credit card number is approved may include receiving the one-time credit card number and comparing the one-time credit card number with the one-time credit card number stored in the one-time credit card database. Steps.

The single-use credit card number providing system using the Internet of the present invention is a member registration server for receiving member registration from a buyer, a subscriber database storing member registration information, and a buyer from a member registration server at the time of a purchaser or membership registration process. Using a one-time credit card number issuing server for issuing a one-time credit card number, a one-time credit card number authorization server for checking whether the one-time credit card number is approved, and a one-time credit card number A payment server for paying the amount of goods purchased by the purchaser and receiving the amount paid from the purchaser is provided.

It is installed in the one-time credit card number authorization server is provided with a credit database for storing the credit information of the buyer.

The disposable credit card number issuing server, the disposable credit card number authorization server and a one-time credit card database for storing the issued disposable credit card number is connected to the billing server.

The disposable credit card number stored in the disposable credit card database is invalidated by the disposable credit card number approval server after being used once.

Other objects and features of the present invention in addition to the above objects will become apparent from the description of the embodiments with reference to the accompanying drawings.

Hereinafter, exemplary embodiments of the present invention will be described with reference to FIGS. 1 to 13.

1 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a first embodiment of the present invention.

1, a system for providing a disposable credit card number using the Internet according to a first embodiment of the present invention includes a purchaser 2, a disposable credit card number providing server 8 for providing a disposable credit card number, Internet sales site 6, credit card company 10 that supplies credit cards, and financial settlement agency 12 are included.

The purchaser 2, the disposable credit card number providing server 8 and the internet sales site 6 are interconnected via the Internet 4. The financial settlement agency 12, the credit card company 10, the Internet sales site 6, and the disposable credit card number providing server 8 are interconnected through the financial network 14. The purchaser 2 connects to the Internet 4 using a computer, a terminal or a mobile phone.

The operation of the disposable credit card number providing system using the Internet according to the first embodiment of the present invention will be described in detail with reference to FIG.

Referring to FIG. 2, first, the purchaser 2 requests the issuance of a credit card to the credit card company 10 through the Internet 4 or offline. (S2) A credit that is requested to issue a credit card from the purchaser 2 The card company 10 issues a card after examining the card issuance requirements of the purchaser 2 (S4). The purchaser 2 who has issued the card accesses the disposable credit card number providing server 8 (S6). The purchaser 2 connected to the disposable credit card number providing server 8 registers as a member in the disposable credit card number providing server 8 (S8).

The purchaser 2 registered as a member in the one-time credit card number providing server 8 connects to the Internet sales site 6. [S10] The internet sales site 6 is connected to the terminal (or mobile phone) of the purchaser 2; This offer is displayed (S12). The purchaser 2 makes a purchase decision about a product required by the buyer among the products provided in the Internet sales site 6. [S14] After that, the buyer 2 makes a disposable credit card. Access the number providing server (8) and apply for issuance of a disposable credit card number. (S16)

The disposable credit card providing server 8, which is requested to issue the disposable credit card number, issues the disposable credit card number to the purchaser 2. (S18) The purchaser 2 who has issued the disposable credit card number is the disposable credit card number. Purchase the necessary goods from the Internet sales site 6 using (S20). At this time, the Internet sales site 6 requests the approval of the disposable credit card number to the financial settlement agency 12. (S22) The financial settlement agent 12 requests the disposable credit card number providing server 8 to approve the disposable credit card number provided from the Internet sales site 6 (S24).

The one-time credit card number providing server 8 requests the financial settlement agency 12 for approval of the credit card number (that is, the actual credit card number of the buyer 2) corresponding to the one-time credit card number. The creditor 12 requests the credit card company 10 to approve the credit card number provided from the disposable credit card number providing server 8. (S28) The credit card company 10 is transmitted from the financial creditor 12 After confirming the use of the credit card to approve the use of the credit card number (S30) The financial settlement agency 12 approved the credit card from the credit card company (10) provides a one-time credit card number providing server ( 8) (S32).

The disposable credit card number providing server 8, which has been approved for use of the actual credit card of the purchaser 2 by the financial settlement agency 12, approves the disposable credit card number of the purchaser 2 (S34). The one-time credit card number is invalidated. (S35) In step S34, the financial settlement agency 12, which has received the one-time credit card number from the one-time credit card number providing server 8, approves the use of the one-time credit card number. S36) The internet sales site 6, which has received the purchaser 2's disposable credit card number from the financial settlement agency 12, delivers the goods purchased by the buyer 2, and the buyer 2 sells the internet sales site 6 Receive the goods delivered from (S38, S40).

Thereafter, the Internet sales site 6 charges the amount of money corresponding to the price of the goods purchased by the purchaser 2 to the disposable credit card number providing server 8, and the disposable credit card number providing server 8 is the internet selling site. (6) and pays the amount (S42, S44, S46). Then, the disposable credit card number providing server 8 charges the amount corresponding to the amount paid by them, the credit card company 10 is disposable The amount charged by the credit card number providing server 8 is paid. (S48, S50, S52)

Meanwhile, the credit card company 10 charges the amount corresponding to the amount paid by the buyer 2, and the buyer 2 pays the amount charged by the credit card company 10. (S54, S56, S58 )

That is, according to the first embodiment of the present invention, the purchaser 2 can purchase goods from the Internet sales site 6 using the disposable credit card number. Since such a disposable credit card number can be used only once, it is possible to prevent the damage of the buyer 2 due to the exposure of the disposable credit card number.

3 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a second embodiment of the present invention.

Referring to FIG. 3, the system for providing a disposable credit card number using the Internet according to a second embodiment of the present invention includes a buyer 2, a credit card company 16 for supplying a credit card, an internet sales site 6, and a financial institution. It includes a payment source (12).

In the second embodiment of the present invention, the credit card company 16 includes the disposable credit card number providing server 8 shown in FIG.

The purchaser 2, the internet sales site 6, and the credit card company 16 are interconnected via the Internet 4. The financial settlement agency 12, the credit card company 16, and the internet sales site 6 are interconnected through the financial network 14. The purchaser 2 connects to the Internet 4 using a computer, a terminal or a mobile phone.

The operation of the disposable credit card number providing system using the Internet according to the second embodiment of the present invention will be described in detail with reference to FIG.

Referring to FIG. 4, first, the purchaser 2 requests the issuance of a credit card to the credit card company 16 via the Internet 4 or offline. (S60) Credit that is requested to issue a credit card from the purchaser 2. The card company 16 issues a card after examining the card issuance requirements of the purchaser 2 (S62). The purchaser 2 who has issued the card accesses the credit card company 16 to apply for a one-time credit card number service registration application. (S64) The credit card company (16) registers the purchaser (2) who applied for registration for the disposable credit card number service as a member. (S66)

The purchaser 2 registered as a member of the credit card company 16 connects to the internet sales site 6. (S68) The internet sales site 6 provides the terminal (or mobile phone) of the purchaser 2 with the terminal. The product is displayed. (S70) The purchaser 2 makes a purchase decision about a product required by the buyer among the products provided on the Internet sales site 6. (S72) After that, the buyer 2 makes a credit card company 16 Access to apply for the issuance of a disposable credit card number (S74).

The credit card company 16, which is requested to issue a disposable credit card number, issues a disposable credit card number to the purchaser 2. (S76) The purchaser 2 who has been issued a disposable credit card number uses a disposable credit card number. The Internet sales site 6 purchases the necessary products. (S78) At this time, the Internet sales site 6 requests the approval of the disposable credit card number to the financial settlement agency 12 (S80). 12, the credit card company 16 requests the approval of the disposable credit card number. (S82)

The credit card company 16 examines the availability of the credit card number (that is, the actual credit card of the purchaser 2) corresponding to the one-time credit card number. (S84) In step S84, the credit card number corresponds to the one-time credit card number. If the credit card number is available, the credit card company 16 authorizes the use of the disposable credit card number. The one-time credit card number approved in step S84 is invalidated (S85). The financial settlement agency 12, which has received the one-time credit card number from the credit card company 16, confirms the approval of the one-time credit card number on the Internet sales site 6 (S86) The Internet sales site 6, which has received the purchaser 2's disposable credit card number from the financial settlement agency 12, delivers the goods purchased by the buyer 2, and the buyer 2 The product delivered from the Internet sales site 6 is received. (S88, S90)

Thereafter, the internet sales site 6 charges the credit card company 16 with the amount corresponding to the price of the goods purchased by the buyer 2, and the credit card company 16 charges the amount charged from the internet sales site 6 with the money. (S92, S94, S98) Also, the credit card company 16 charges the purchaser 2 with the amount corresponding to the amount paid by the credit card company, and the purchaser 2 charges the amount charged by the credit card company 16. (S96, S100, S102)

That is, according to the second embodiment of the present invention, the purchaser 2 can purchase goods from the Internet sales site 6 using the disposable credit card number. Since such a disposable credit card number can be used only once, it is possible to prevent the damage of the buyer 2 due to the exposure of the disposable credit card number. Further, in the second embodiment of the present invention, since the credit card company 16 provides the disposable card number, it is possible to provide the purchaser 2 with the disposable card number more simply than the first embodiment of the present invention.

On the other hand, in the present invention, as well as the Internet sales site 6, as shown in FIG.

5 is a block diagram showing a system for providing a disposable credit card number using the Internet according to a third embodiment of the present invention.

5, the system for providing a disposable credit card number using the Internet according to the third embodiment of the present invention is a buyer 2, a credit card company 16 for supplying a credit card, and a merchandise store for selling a predetermined product. (18) and financial settlement agency (12).

In the third embodiment of the present invention, the credit card company 16 includes the disposable credit card number providing server 8 shown in FIG. The purchaser 2 and the credit card company 16 are interconnected via the Internet 4. The financial settlement source 12 and the credit card company 16 are interconnected through the financial network 14.

The operation of the disposable credit card number providing system using the Internet according to the third embodiment of the present invention will be described in detail with reference to FIG.

Referring to FIG. 6, first, the purchaser 2 requests the issuance of a credit card to the credit card company 16 via the Internet 4 or offline. (S104) Credit that is requested to issue a credit card from the purchaser 2. The card company 16 issues the card after examining the card issuance requirements of the purchaser (2). (S106) The purchaser 2 who issued the card accesses the credit card company 16 to apply for a one-time credit card number service registration application. (S108) The credit card company 16 registers the purchaser (2) who applied for registration for the disposable credit card number service as a member. (S110)

The purchaser 2 registered as a member of the credit card company 16 visits the merchandise store 18 and selects the merchandise required by the merchandise provided by the merchandise store 18 (S112, S114, S116). The purchaser 2 connects to the credit card company 16 using a cell phone or the like (ie, a device capable of carrying and using the Internet). The purchaser 2 connected to the credit card company 16 requests the issuance of a disposable credit card number to the credit card company 16. (S118)

The credit card company 16 that is requested to issue a disposable credit card number issues a one-time credit card number to the purchaser 2 (S120). The merchandise store 18 purchases the necessary merchandise. (S122) At this time, the merchandise store 18 requests the financial settlement agency 12 to approve the disposable credit card number.

The financial settlement agency 12 requests the credit card company 16 to approve the disposable credit card number. (S126) The credit card company 16 requests the credit card number corresponding to the disposable credit card number (ie, the purchaser 2). The actual credit card) is checked for availability. (S128) If the credit card number corresponding to the disposable credit card number is available in step S128, the credit card company 16 approves the use of the disposable credit card number. The one-time credit card number approved in step S128 is invalidated. (S129) The financial settlement agency 12, which has received the one-time credit card number from the credit card company 16, transmits the authorization of the one-time credit card number to the merchandise store 18. Provided. (S130)

The merchandise store 18, which has received the purchaser 2's disposable credit card number from the financial settlement agency 12, delivers the merchandise to the buyer 2, and the buyer 2 receives the merchandise from the merchandise store 18. After (S132, S134), the merchandise store 18 charges the credit card company 16 with the amount corresponding to the price of the goods purchased by the buyer 2, and the credit card company 16 receives the merchandise from the merchandise store 18. (S136, S138, S140) After that, the credit card company 16 charges the buyer (2) the amount corresponding to the amount they paid, the buyer (2) credit card company (16) Pay the amount billed by (S142, S144, S146).

That is, according to the third embodiment of the present invention, the purchaser 2 can purchase a product from the merchandise store 18 using the disposable credit card number. Since such a disposable credit card number can be used only once, it is possible to prevent the damage of the buyer 2 due to the exposure of the disposable credit card number.

7 is a flowchart illustrating a method of providing a disposable credit card number according to a fourth embodiment of the present invention. The operation of FIG. 7 will be described with reference to FIG. 3.

Referring to FIG. 7, first, the purchaser 2 requests the issuance of a credit card to the credit card company 16 through the Internet 4 or offline. (S150) Credit that is requested to issue a credit card from the purchaser 2. The card company 16 issues a card after examining the card issuance requirements of the purchaser 2 (S152). The purchaser 2 who issued the card accesses the credit card company 16 to apply for a one-time credit card number registration service. (S154) The credit card company (16) registers the purchaser (2) who applied for registration for the disposable credit card number service as a member. (S156)

The purchaser 2 registered as a member of the credit card company 16 in step S156 downloads and installs a one-time card issuance program provided by the credit card company 16. In step S158, the buyer who has downloaded the one-time card issuance program ( 2) accesses the internet sales site 6. [S160] The internet sales site 6 causes the terminal of the purchaser 2 to display the goods they provide. [S162] The purchaser 2 displays the internet sales site. Among the products provided in (6), he / she makes a purchase decision regarding the necessary products.

After that, the purchaser 2 moves the icon of the disposable card issuing program installed in his terminal to the Internet sales site 6 by drag & drop. (S166) In step S166, the icon of the disposable card issuing program is connected to the Internet. When the drag & drop method is moved to the sales site 6, the one-time card issuing program requests the issuance of a one-time credit card number to the credit card company 16. (S168) The issuance of the one-time credit card number is issued from the one-time card issuing program. The requested credit card company 16 issues a one-time credit card number to the purchaser 2.

Thereafter, the one-time card issuing program automatically enters the one-time credit card number issued from the credit card company 16 into the Internet sales site 6. (S.170) At this time, the Internet sales site 6 is the financial settlement agency 12 (S172) The KFTC 12 requests the approval of the disposable credit card number from the credit card company 16. (S174) The credit card company 16 requests the disposable credit card number. The credit card number corresponding to the number (that is, the actual credit card of the purchaser 2) is examined for availability (S176).

If the credit card number corresponding to the disposable credit card number is available in step S176, the credit card company 16 approves the use of the disposable credit card number. The one-time credit card number approved in step S176 is invalidated (S177). The financial settlement agency 12, which has received the one-time credit card number from the credit card company 16, confirms the approval of the one-time credit card number on the Internet sales site 6 (S178) The internet sales site 6, which has received the purchaser 2's disposable credit card number from the financial settlement agency 12, delivers the goods purchased by the buyer 2, and the buyer 2 Receive the goods delivered from the Internet sales site 6. (S180, S182)

Thereafter, the internet sales site 6 charges the credit card company 16 with the amount corresponding to the price of the goods purchased by the buyer 2, and the credit card company 16 charges the amount charged from the internet sales site 6 with the money. (S184, S186, S188) In addition, the credit card company 16 charges the purchaser 2 an amount corresponding to the amount paid by the credit card company, and the purchaser 2 charges the amount charged by the credit card company 16. (S190, S192, S194)

8 is a flowchart illustrating a method of providing a disposable credit card number according to a fifth embodiment of the present invention. In the fifth embodiment of the present invention, it is applied in a country where there is no credit card authorization issuer such as a financial settlement agency. In the fifth embodiment of the present invention, the one-time card issuing program is installed, but the one-time card issuing program may not be installed as shown in FIG. 6. The operation of FIG. 8 will be described with reference to FIG. 3.

Referring to FIG. 8, first, the purchaser 2 requests the issuance of a credit card to the credit card company 16 via the Internet 4 or offline. (S200) Credit that is requested to issue a credit card from the purchaser 2. The card company 16 issues the card after examining the card issuance requirements of the purchaser (2). (S202) The buyer (2) who issued the card accesses the credit card company (16) to apply for a one-time credit card number service registration application. (S204) The credit card company 16 registers the purchaser (2) who applied for a one-time credit card number service registration application as a member. (S206)

The purchaser 2 registered as a member of the credit card company 16 in step S206 downloads and installs a one-time card issuance program provided by the credit card company 16. (S208) The buyer who downloaded the one-time card issuance program in step S208 ( 2) accesses the internet sales site 6. [S210] The internet sales site 6 causes the terminal of the purchaser 2 to display the goods they provide. [S212] The purchaser 2 displays the internet sales site. Among the products provided in (6), he / she makes a purchase decision about the product he / she needs (S214).

After that, the purchaser 2 moves the icon of the disposable card issuing program installed in his terminal to the Internet sales site 6 by drag & drop. (S216) In step S216, the icon of the disposable card issuing program is connected to the Internet. When the drag & drop method is moved to the sales site 6, the one-time card issuing program requests the issuance of a one-time credit card number to the credit card company 16. (S218) The issuance of the one-time credit card number is issued from the one-time card issuing program. The requested credit card company 16 issues a one-time credit card number to the purchaser 2.

Thereafter, the one-time card issuing program automatically inputs the one-time credit card number issued from the credit card company 16 to the Internet sales site 6 (S220). At this time, the internet sales site 6 is disposable to the credit card company 16. Request the approval of the credit card number (S222). The credit card company 16 examines the availability of the credit card number (that is, the actual credit card of the purchaser 2) corresponding to the disposable credit card number. S224)

If the credit card number corresponding to the disposable credit card number is available in step S224, the credit card company 16 approves the use of the disposable credit card number. The disposable credit card number approved in step S224 is invalidated (S225). The internet sales site 6 having received the disposable credit card number from the credit card company 16 delivers the goods purchased by the buyer 2, and the buyer ( 2) receives the goods delivered from the Internet sales site 6 (S226, S228).

Thereafter, the internet sales site 6 charges the credit card company 16 with the amount corresponding to the price of the goods purchased by the buyer 2, and the credit card company 16 charges the amount charged from the internet sales site 6 with the money. (S230, S232, S234) In addition, the credit card company 16 charges the buyer 2 the amount corresponding to the amount they paid, the buyer (2) the amount charged by the credit card company (16) (S236, S238, S240)

9 is a view showing in detail the disposable credit card number providing server shown in FIG.

Referring to FIG. 9, the disposable credit card number providing server 8 includes a member registration server 20, a disposable credit card number issuing server 22, a disposable credit card number approval server 24, and a payment server 26. do. Such a disposable credit card number providing server 8 is provided with four servers, but may consist substantially of one server.

The member registration server 20 registers the purchaser 2 who requested the one-time credit card number service as a member. The disposable credit card number issuing server 22 issues the disposable credit card number to the purchaser 2. The disposable credit card number approval server 24 examines the use / non-use of the disposable credit card number requested for payment from the outside. The price server 26 charges the purchaser 2 with the disposable credit card number.

The operation of the member registration server 20 will be described in detail with reference to FIG. 10.

Referring to FIG. 10, first, the member registration server 20 receives personal information (that is, a credit card number, resident registration number and address) and a password from the purchaser 2 who requests the disposable credit card number service. In step S250, the member registration server 20 that receives the personal information and the password from the buyer 2 examines the buyer's credit status. (S252, S254) If the credit status of the buyer 2 is poor in step S254, the member is registered. The registration server 20 rejects the purchaser's membership registration (S256). In step S254, if the purchaser 2 has a good credit status, the registration server 20 stores the contents stored in the subscriber DB (database; 28) and the buyer. The personal information input from (2) is compared to check whether it is duplicated. (S258)

If the personal information of the purchaser 2 and the contents stored in the subscriber DB 28 are duplicated in step S258, the purchaser 2 requests a change of registration data. (S260) In step S258, the personal information of the buyer 2 and the subscriber If the contents stored in the DB 28 do not overlap, the personal information and the password of the purchaser 2 are stored in the subscriber DB 28 (S262). Then, the member registration server 20 transmits a registration ID ( ID) is issued to register the purchaser 2 as a disposable credit card number service member (S264).

The operation of the disposable credit card number issuing server 22 will be described in detail with reference to FIG.

Referring to FIG. 11, first, a purchaser 2 registered as a disposable credit card number service member inputs an ID and a password to obtain a disposable credit card number. (S266) The disposable credit card number issuing server 22 It is checked whether the ID and password input from the purchaser 2 are valid. (S268, S270) In other words, the disposable credit card number issuing server 22 searches for the ID and password stored in the subscriber DB 28. To check whether the ID and password entered from the purchaser 2 match.

If the ID information of the purchaser 2 is not valid at step S270, a re-entry of the ID is requested. (S272) If the ID information of the purchaser 2 is valid at step S270, it is determined whether the password is matched (S274). If the password is not valid at the step, request for re-entering the password. (S276) If the password information is valid at step S274, the one-time credit card number issuing server 22 generates a one-time credit card number (S278). The credit card number issuing server 22 generates a disposable credit card number that does not match the disposable credit card number stored in the disposable credit card DB 32.

The disposable credit card number generated in step S278 is stored in the disposable credit card DB 32. Thereafter, the disposable credit card number issuing server 22 transmits the generated disposable credit card number to the purchaser 2 (S280).

The operation of the disposable credit card number approval server 24 will be described in detail with reference to FIG.

Referring to Figure 12, first, the one-time credit card number is input from the Internet sales site 6 or the financial settlement agent (12). (S290) The disposable credit card number approval server 24 is a disposable credit card DB 32 The validity of the disposable credit card number is determined by comparing the one-time credit card number stored in step S290 with the one-time credit card number stored in step S290. (S292, S294) In step S294, the Internet sales site 6 or the financial settlement agent 12 If the one-time credit card number is not valid, the authorization of the one-time credit card number is rejected. (S296)

If the disposable credit card number input from the Internet sales site 6 or the financial settlement agent 12 in step S294 is valid, it is determined whether it is a credit card of the company. (S298) That is, in step S298, the disposable credit card as shown in FIG. If the number providing server 8 is installed in a separate company other than the credit card company 10 is moved to step S300. On the contrary, if the disposable credit card number providing server 8 is installed in the credit card company 16 as shown in FIG. 3 in step S298, the process moves to step S304.

In step S300 one-time credit card number approval server 24 requests the credit card company 10 to approve the credit card number. (S300) If the one-time credit card number is approved in step S300, one-time credit card number approval server 24 ) Stores the approved disposable credit card number information in the disposable credit card DB 32. (S302) If the authorization information of the disposable credit card number is stored in the disposable credit card DB 32 in step S302, The validity expires (S310). Then, the authorization information of the disposable credit card is transmitted to the Internet sales site 6 or the financial settlement agent 12. (S312)

In step S304, the disposable credit card number approval server 24 determines whether the disposable credit card number is approved by referring to the credit DB 30. (S304) If the disposable credit card number is approved in step S304, the disposable credit card number The authorization server 24 stores the approved disposable credit card number information in the disposable credit card DB 32. (S306) When the authorization information of the disposable credit card number is stored in the disposable credit card DB 32 in step S306, the disposable credit card DB 32 is stored in the disposable credit card DB 32. The validity of the credit card number expires (S310). Then, the authorization information of the disposable credit card is transmitted to the Internet sales site 6 or the financial settlement agent 12 (S312).

The operation of the disposable credit card number approval server 26 will be described in detail with reference to FIG.

Referring to FIG. 13, first, the internet sales site 6 charges the price server 26 for a price corresponding to the price purchased by the purchaser 2 (S314). The authorization information of the credit card number and the disposable credit card number is submitted to the price server 26. The price server 26 checks the validity of the disposable credit card number and the authorization information input in step S314 using the disposable credit card DB 32. (S316, S318)

If the one-time credit card number and the authorization information provided by the Internet sales site 6 is not valid in step S318, the payment server 26 rejects the payment for the billed amount (S320). In step S318, the internet sales site 6 If the one-time credit card number and authorization information provided by the validity server 26 pays the billed amount to the Internet sales site (6) (S322).

The payment server 26 that has paid a predetermined amount to the Internet sales site 6 in step S322 determines whether the disposable credit card number is its own credit card number. (S324) If it is not its own credit card in step S324, The billing server 26 bills the credit card company 10 for a predetermined amount. [S330] After that, the billing server 26 adds the billing information to the disposable credit card DB 32. [S332] )

If the one-time credit card number paid in step S324 is the company's credit card, the corresponding purchaser 2 charges a predetermined amount. (S326) After that, the payment server 26 the one-time credit card DB 32 (S328) After the steps S332 and S328, if the amount charged from the purchaser 2 or the credit card company 10 is input, information about the payment is provided to the disposable credit card DB 32. (S334)

On the other hand, the present invention can limit the amount of use of the disposable credit card number. For example, when the purchaser 2 is issued a one-time credit card number, the limit of the amount used may be limited. As such, the issued disposable credit card number may be transferred to another user, such as existing electronic money or cash.

For example, when the purchaser 2 needs to deposit a predetermined amount to the recipient, the purchaser 2 may receive a one-time credit card number having a predetermined amount of money and transfer it to the recipient. Recipients may withdraw (or transfer to) a predetermined amount using the transferred one-time credit card number. Therefore, both the buyer 2 and the recipient can transfer a predetermined amount of money without exposing their information or the like. In other words, the recipient 2 does not need to expose his or her account number to the buyer 2.

As described above, according to the method and system for providing a disposable credit card number using the Internet according to the present invention, since a product is purchased using the disposable credit card number, damage caused by the credit card number exposure can be prevented. Therefore, it will be possible to promote the use of credit cards to purchase goods using the Internet.

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 (17)

The buyer having a credit card issued a one-time credit card number from the one-time credit card number providing server, Using the disposable credit card number to purchase a product at least one or more of an internet site and a merchandise store; Confirming whether the disposable credit card number is approved at the one-time credit card number providing server at the internet site or at a merchandise store; The one-time credit card number providing server confirming whether the credit card corresponding to the one-time credit card number is approved by the buyer's credit card company; Claiming and paying the disposable credit card number providing server for the price of the product at an internet site or a merchandise store where the product is sold; The one-time credit card number providing server billing the credit card company for the amount paid by the credit card company; Method of providing a one-time use credit card number using the Internet, characterized in that the credit card company comprising the step of claiming the payment to the purchaser their payment. The method of claim 1, The one-time credit card number providing server is a one-time credit card number providing method using the Internet, characterized in that installed in the credit card company. The method of claim 1, The purchaser is a one-time use credit card number providing method using the Internet, characterized in that the one-time use of the terminal, a computer and a mobile phone issued. The method of claim 1, The disposable credit card number is a one-time use credit card number providing method using the Internet, characterized in that the use is prohibited by the one-time credit card number providing server. The method of claim 1, The purchaser provides a disposable credit card number using the Internet, characterized in that for determining the usage amount of the disposable credit card number when issuing the disposable credit card number. The method of claim 5, Method for providing a disposable credit card number using the Internet, characterized in that the one-time use credit card number is assigned can be transferred. The method of claim 1, Method for providing a disposable credit card number using the Internet, characterized in that further comprising the step of approving the credit card number corresponding to the one-time credit card number and the one-time credit card number at the financial settlement agency. The method of claim 1, The one-time credit card number providing server stores a one-time card issuing program, and the buyer provides a one-time credit card number using the Internet, characterized in that to download and install the one-time card issuing program to receive a disposable credit card number. Way. The method of claim 8, When the icon of the one-time issuance program is moved by the buyer in the drag-and-drop manner to the Internet sales site, the one-time issuance program receives the one-time credit card number from the one-time credit card number providing server to the Internet sales site. Method for providing a disposable credit card number using the Internet, characterized in that the transfer. The method of claim 8, The purchaser provides a one-time use of the credit card number, characterized in that it further comprises the step of registering as a member in the one-time credit card number providing server to obtain the one-time use of the credit card number. The method of claim 10, The member registration step, Inputting the personal information and the password by the buyer; Checking the credit status of the buyer using the received personal information; If the credit condition is good, storing the personal information and password in a subscriber database; And issuing an ID to the buyer having the personal information and password stored in the subscriber database. The method of claim 11, Receiving a one-time credit card number, Inputting, by the buyer, the ID and password into the one-time credit card number providing server; Checking whether the input ID and password are used; If the input ID and password is available, generating a one-time credit card number to pass to the buyer, and storing in a one-time credit card database, characterized in that it comprises a method for providing a disposable credit card number using the Internet. The method of claim 12, Checking whether the disposable credit card number is approved or not, Receiving the disposable credit card number; And comparing the input disposable credit card number with the disposable credit card number stored in the disposable credit card database and confirming the approval. In the system for providing a disposable credit card number using the Internet, Member registration server for receiving registration from the buyer, A subscriber database in which the registered information is stored; A one-time credit card number issuing server for issuing a one-time credit card number in response to a request for a one-time issuance program provided to the buyer at the member registration server during the purchaser or the membership registration process; A one-time credit card number approval server for confirming whether the one-time credit card number is approved; And a payment server for paying the amount of goods purchased by the buyer using the disposable credit card number and receiving the paid amount from the buyer. The method of claim 14, Disposable credit card number providing system using the Internet, characterized in that installed on the one-time credit card number approval server having a credit database for storing the credit information of the buyer. The method of claim 14, Disposable credit card number providing system using the Internet, characterized in that the one-time credit card number issuing server, one-time credit card number authorization server and the payment server is connected to the one-time credit card database is stored is stored; . The method of claim 16, The one-time credit card number stored in the one-time credit card database is a one-time use credit card number providing system using the Internet, characterized in that it is invalidated by the one-time credit card number authorization server.