KR20020008517A - Method for paying for the price in internet - Google Patents

Abstract

PURPOSE: A payment method on the Internet is provided so that reliability of an electronic commerce can be improved by enabling a user to input his/her personal information merely to a current financial institution, by connecting an electronic commerce site to the financial institution when the user purchases the goods in the electronic commerce site. CONSTITUTION: An electronic commerce company(101) provides various services so that a user can receive information and purchase goods on an Internet. A financial institution(102) provides a price payment service for paying a price to the electronic commerce company(101). A user(103) opens an account in the financial institution(102), purchases the goods from the electronic commerce company(101), and requests the price payment to the financial institution(102). At this time, the financial institution(102) is a financial institution where the user has an account, such as banks, credit card companies or financial companies having an Internet payment system. The user(103) accesses an Internet site of the electronic commerce company(101) during the web surfing using a personal computer, and receives various information from the Internet site or orders the goods. Therefore, the user can participate in the electronic commerce with reliability.

Description

Method of paying for the price in internet}

The present invention relates to a payment method on the Internet, and more particularly, to a payment method on the Internet that can be more easily and securely paid after providing information and purchasing goods using electronic commerce.

The Internet, which connects networks around the world and communicates with each other, is now popularized by a few people, and its users are exploding.

Today, the Internet provides a variety of information, ranging from life information necessary for our daily lives to professional academic and scientific knowledge, as well as e-mail services, Internet banking, cyber securities, In addition, it provides convenience in many parts of our lives without the Internet, such as electronic commerce to purchase goods.

On the other hand, the most notable growth and interest among the various economic activities using the Internet is the e-commerce that purchases goods through the Internet. The potential of e-commerce using the Internet in many countries such as the US, Europe, and Japan Recognizing this, they are promoting various development plans.

E-commerce is growing more than twice a year, and its scope of application is rapidly expanding to various fields such as technology, commerce, culture, and education.

Although the term "e-commerce" has been used in various ways in various situations, the recent concept refers to a business that is negotiated using the Internet, and broadly uses all computer communication networks including leased lines between companies. It is interpreted as the concept of collective economic activity.

These e-commerce can be classified into three types: first, business and consumer commerce, second, unspecified business, and third, commerce between specific companies.

The commerce between the company and the consumer refers to the sale of goods between the company and the consumer through PC communication or the Internet, and the commerce between the unspecified companies basically refers to transactions between all companies through an open network, and the commerce between specific companies refers to each other. It refers to commerce between companies that have had a trading relationship and will continue to trade.

An important problem in the electronic commerce as described above is the payment method for the purchase of goods.

In other words, as the Internet has developed so rapidly that it is possible to buy things using the Internet, network and communication technologies have developed so that the personal information of users necessary for e-commerce, such as social security number, credit card number, ID, password, etc. Due to the hacking, etc., there is an increasing number of cases of using the personal information to purchase goods or abuse of identity forgery.

In response to this, each e-commerce company stipulates that the user's information is not informed to third parties without permission, but there is always a possibility that the personal information of users is exposed by hacking of professional programmers.

Therefore, since e-commerce is performed through the network, there is a risk that information is exposed, so a secure payment method is required.

Currently, e-commerce payment systems are widely used for cash, credit cards, online deposits, and electronic money that will act as cash or credit cards on the Internet.

In other words, when a user wants to select an item to be purchased from a specific site that provides an e-commerce service that can purchase goods on the Internet, and pays the same, the cash, credit card, online deposit, and electronic money can be used. You will use it to pay and buy things.

Here, payment methods such as cash and online payment are cumbersome because the user has to purchase goods from the e-commerce company and go through a separate procedure for payment payment, and if the payment is made using a credit card, the credit card is required. The user's information, such as a number, must be entered, but the user is reluctant to purchase because he is concerned that the information will be exposed as he or she enters his information.

In addition, the electronic money has been focused as a payment means that can replace the cash or credit card on the Internet, and is currently progressing in various ways of payment or use, each company developing electronic money is stable In consideration of this, information encryption is protected to prevent exposure of information.

However, the electronic money is also complicated to use the procedure, and in order to use the electronic commerce, the need to register a company that provides the service in order to provide a separate electronic money service to obtain a new account. do.

The present invention has been created in view of the above conditions, and when an order is made to purchase an item through e-commerce on the Internet, the user is connected to a financial institution with which the user is currently trading, and user authentication is performed through the connected financial institution. The purpose is to provide a payment method on the Internet, which enables the payment to be made by payment.

1 is a schematic diagram showing a system for applying the payment method in the Internet according to the present invention.

2 is a flowchart showing a payment method in the Internet according to the present invention.

3 is a view for explaining a process of performing a payment method in the Internet according to the present invention.

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

101 E-Commerce Company 102 Financial Institutions

103 ... user

In order to achieve the above object, the payment method on the Internet according to the present invention comprises the steps of: (a) selecting and ordering items to be purchased by the user on an Internet site that provides a specific e-commerce service; (b) in the above step, when the user places an order, various payment methods are displayed and selecting a payment method desired by the user from the displayed payment method; (c) approving the payment of the ordered item through a user authentication process connected to a payment system of an internet site providing a payment service of the payment method selected by the user; (d) if the user finally approves the payment in step (c), the payment is made between the internet site providing the electronic commerce service and the internet site providing the payment service.

Here, the payment method displayed in the step (b), the Internet payment system of the bank, or the credit card company, the Internet payment system, or electronic money, or the Internet of the company that provides the Internet electronic money service mainly deals with the user Including payment system.

At this time, the payment is preferably settled using the opened account through the user's approval by opening a separate account for the electronic commerce in the company providing the payment service.

Here, the user authentication method for approving the payment in the step (c), it is preferable to perform the user authentication using an account number, credit card number, or ID, or social security number and the corresponding authentication number or password. Do.

In addition, the user authentication method, it is preferable to perform the user authentication using a biometric device such as iris, fingerprint recognition.

The present invention, when ordering to purchase goods through the e-commerce on the Internet, is connected to the financial institution that the user is currently trading, by performing the user authentication through the connected financial institution to pay the payment, The user has the advantage of being able to enter e-commerce with confidence by entering personal information only into the financial institution currently trading.

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

1 is a schematic diagram showing a system for applying a payment method in the Internet according to the present invention.

Referring to Figure 1, the system for applying the payment method on the Internet according to the present invention, the e-commerce company 101 that provides a variety of services, such as providing information and purchase of goods on the Internet, and the e-commerce company ( A financial institution 102 that provides a payment service for paying the amount to 101 and an account at the financial institution 102 and purchases goods from the e-commerce company 101 to the financial institution 102. It is configured to include a user 103 for economic activity using the electronic commerce to request payment.

Here, the financial institution 102 is a financial institution that the user 103 deals with, in particular, a financial institution having an internet payment system such as a bank, a credit card company, or electronic money.

In such a system, while the user 103 surfs the web using a computer or the like, the user 103 may access an Internet site of the electronic commerce company 101 that provides various services such as information provision and purchase of goods through electronic commerce on the Internet. When connected to receive the information provided from the Internet site of the electronic commerce company 101, or to purchase the goods, you must place an order for it.

At this time, when the order for the information provision or purchase of the goods on the Internet site of the e-commerce company 101, various payment methods such as bank, credit card, electronic money, online payment, etc. are displayed on the screen. From the displayed payment method, the user 103 selects the desired payment method, and the user 103 is connected to the payment system of the Internet site of the financial institution 102 that provides the payment service of the selected payment method. In addition, the payment system of the Internet site of the financial institution 102 confirms the approval of the payment of the ordered information or goods through a user authentication process.

At this time, when the user 103 approves the payment through the user authentication process, the Internet site of the company 101 providing the electronic commerce service and the Internet of the financial institution 102 providing the payment service. Since the payment is made between the sites, the user 103 can input personal information only to the financial institution 102 with which he or she transacts, thereby making the electronic commerce on the Internet reliable and secure.

For example, in the step of selecting the payment method, when the user selects 103 online deposit, the bank account number of the e-commerce company 101 is displayed, and the payment is made by depositing the bank. When the user 103 selects the credit card company with which he / she is currently trading as the financial institution 102 for performing the payment, the user 103 is connected to the payment system of the Internet site of the credit card company, and the credit The payment system of the card company's Internet site confirms the approval of the payment through user authentication.

In this case, the user 103 approves the payment through the authentication process, and the credit card company accepts the payment request only when the correct user 103 is used in the authentication process. ) Will pay the e-commerce company 101 ordered.

Here, the user authentication process may use a different method according to a financial institution, but in the case of a bank account number, in the case of a credit card, a card number, and a user's social security number, or an ID given for an e-commerce transaction, User authentication can be performed using the following password.

In addition to the account number, social security number, ID, or password, user authentication may be performed using biometric technology such as iris recognition and fingerprint recognition. In other words, when a user wants to make a payment through a bank, he / she inputs a user's social security number or account number and a corresponding password, and enters a iris or fingerprint to enhance security. will be.

Here, the biometric technology such as the iris recognition or fingerprint recognition is compared with that of a user who scans the iris or fingerprint with a separate input device and reads it as a graphic file and stores it in advance. The detailed description thereof will be omitted.

On the other hand, as a payment means, a user account of the financial institution 102 owned by the user may be used, or a separate account for using electronic commerce may be opened and payment may be paid using the account.

In this method, the account opened for the e-commerce is implemented in such a way that the user deposits a certain amount of time, and the user deposits from time to time, so that the user information is exposed on the Internet and the other person's social security number, account number, and ID Using such a password and the like can reduce the damage from unauthorized use.

In addition, as the financial institution, it is also possible to use the electronic money that is currently being continuously developed, the electronic money is a method of making a payment in real time, a method of making a payment using the accumulated amount of payment in advance, or paying after payment Since there may be various methods such as a method, payment is performed according to the method of the electronic money, and payment is made using electronic money stored in a user's computer, or connected to an Internet payment system of a company that provides the electronic money service. The payment proceeds through the user authentication process as described above.

Herein, embodiments of the present invention will be described in detail with reference to FIGS. 2 and 3.

2 is a flowchart illustrating a payment method in the Internet according to the present invention, Figure 3 is a view for explaining the process of performing the payment method in the Internet according to the present invention.

2 and 3, in the payment method on the Internet according to the present invention, first, a user accesses an Internet site that provides an Internet service, such as providing information or purchasing an item, while a user surfs the web. Place an order to purchase (step 201) (see FIG. 3A).

Then, various payment methods such as a card or a bank or online payment according to the order are displayed on the screen, and the user selects a desired payment method among the displayed payment methods (step 202) (see FIG. 3B). ).

At this time, if the credit card is selected among the payment methods, the payment system is connected to the payment system of the Internet site of the credit card company (step 203).

Then, the payment system of the credit card company's Internet site performs a user authentication process (step 204). If the user enters the credit card number and the corresponding password, the card number and the password are correct. A check is made to see if it is a correct user (step 205).

Of course, at this time, in order to enhance security, user authentication may be performed using biometric technology such as iris recognition or fingerprint recognition.

On the other hand, as a result of the user authentication process, if the user is the correct user confirms the payment approval, if the user approves the payment, the payment system between the payment system of the credit card company and the e-commerce company Payment is made for the item purchased by the user (step 206).

Of course, if the result of the user authentication process is not the correct user, the payment is canceled (step 207). If the authentication process is wrong for a predetermined number of times, the transaction may be stopped.

On the other hand, after the payment is made, the payment contents, the payment amount, and the balance after the payment are displayed to the user so that the user can check the transaction details.

As described above, the payment method on the Internet according to the present invention, when an order to purchase goods through the electronic commerce on the Internet, is connected to the financial institution with which the user is currently trading, the connected financial institution By paying the payment by performing the user authentication, the user has the advantage that the e-commerce can be made with confidence by inputting personal information only to the financial institution currently trading.

In addition, the present invention has an effect that can facilitate the electronic commerce by allowing the user to make electronic commerce with confidence as described above.

Claims (5)

(a) selecting and ordering information to be provided or item to be purchased from an Internet site that provides a specific e-commerce service; (b) in the above step, when the user places an order, various payment methods are displayed and selecting a payment method desired by the user from the displayed payment method; (c) approving the payment of the ordered information or goods through a user authentication process by connecting to a payment system of an internet site providing a payment service of the payment method selected by the user; (d) if the user finally approves the payment in step (c), a payment is made between the internet site providing the e-commerce service and the internet site providing the payment service. The payment method on the Internet characterized in that. The method of claim 1, The payment method displayed in step (b) may include an internet payment system of a bank, a credit card company, an internet payment system, or an electronic money, or an internet payment system of a company that provides an internet electronic money service. Payment method on the Internet, characterized in that comprises a. The method of claim 2, The payment method on the Internet, characterized in that the payment service is settled using the opened account through the user's approval by opening a separate account for the electronic commerce in the company providing the payment service. The method of claim 1, In the step (c), the user authentication method for approving the payment is characterized in that user authentication is performed using an account number, a credit card number, or an ID, or a social security number and an authentication number or password. How to pay on the internet. The method of claim 4, wherein The user authentication method is a payment method on the Internet, characterized in that for performing the user authentication using a biometric device such as iris, fingerprint recognition.