KR20020016310A - Method for electronic commercial transaction operating using electronic purse - Google Patents

Abstract

PURPOSE: A method for operating the electronic commerce using an electronic wallet is provided to protect the rights of users from an illegal sale act by simultaneously authenticating a seller and a transaction history through multiple authentication procedures. CONSTITUTION: The method comprises steps of a user ordering an item to a seller(S1), the seller realizing an electronic wallet program of a personal computer of the user and requesting the user to pay for the item(S2), a service providing server accepting the payment via the electronic wallet relaying pavement between the electronic cash of the user and the server(S3), the server processing payment(S4), the server generating a first authenticator using the key value of the seller(S5), the server generating a second authenticator by coding a random number and the first authenticator(S6), the server transmitting the authenticators to the electronic wallet(S7), the electronic wallet transmitting the authenticators to the seller(S8), the seller recording a related transaction history(S11), the seller sending the item to the user(S12), the server authenticating the transaction history and the second authenticator(S14), and the server settling the accounts for the seller(S15).

Description

Method for electronic commercial transaction operating using electronic purse}

The present invention relates to a method for operating an electronic commerce using an electronic wallet, and more specifically, to generate a first authenticator using a registered seller's key value to perform an electronic money amount calculation, and to generate a random number generated from a service provider server. 1 Electronic commerce using an electronic wallet that encrypts the authenticator to generate a second authenticator to perform financial settlement for the amount settled in the electronic money, thereby preventing the loss of the user due to illegal claims due to hacking and transaction failure. It is about how to operate.

In addition, the present invention generates the first authenticator using the key value of the registered seller to perform the payment of the electronic money amount, generate a second authenticator by encrypting the random number generated by the service provider server and the first authenticator, By creating a third authenticator that encrypts the transaction records with the second authenticator with the seller's key value, and performs financial settlement for the amount settled in the electronic money, the loss of the user due to illegal claims due to hacking and transaction failure The present invention relates to an electronic commerce operation method using an electronic wallet to prevent more effectively.

In addition, the present invention encrypts the transaction record with the key value of the registered seller to generate a first authenticator, encrypts the transaction record with the key value of the service provider server, generates a fourth authenticator, and transmits the transaction to the seller. Using the encrypted first authenticator, the amount of electronic money can be settled, and the fourth authenticator received according to the seller's request for the bill can be decrypted to perform financial settlement by the settled amount. The present invention relates to a method of operating an electronic commerce using an electronic wallet that prevents the loss of a user due to illegal claims due to hacking and transaction failure.

E-commerce, a growing trend in recent years, connects consumers and sellers directly to the public telecommunications network, and supports direct transactions and instant payments to each other. By shortening and shortening the period, we seek to promote the interests of both consumers and sellers.

As a typical example of such an e-commerce, an online store such as a cyber mall or an electronic shop may be opened to sell various products or to make reservations and payments for tickets, railroads, hotels, etc. -line) shopping.

The electronic commerce operating method using a conventional electronic wallet will be described briefly as follows.

When a user orders a product from a registered seller, the seller asks the user to pay for the product to be sold, and the user initiates an electronic wallet registered on a personal computer and instructs the user to pay for the product. The user withdraws the product price from the electronic money input by the user and pays the service provider server.

Thereafter, the service provider server generates an authenticator for the payment transaction using the seller's key value to confirm that the product price has been paid, and sends the generated authenticator to the electronic wallet.

The electronic wallet sends the authenticator generated by the service provider server to the seller, and the seller authenticates the authenticator sent from the electronic wallet using the key value assigned to the seller. Afterwards, the user orders the goods to the user.

After that, the seller encrypts the transaction record with its own key value and transmits it to the service provider server, and the service provider server decrypts the encrypted transaction record with the seller's key value, and when determined to be a normal transaction record, the product for the transaction through the bank. Settle the price.

However, according to the conventional electronic commerce operation method using the electronic wallet, the following problem (s) occurs.

That is, the service provider server generates the authenticator using the seller's key value and performs the first authentication procedure for the seller to authenticate it. Thus, by the seller having a stolen or impure amount of electronic money due to external hacking. Illegal transactions may also occur, such as requesting payment for goods other than actual sales. In such a case, the effect of blocking illegal sales is insufficient, and even when illegal sales are incurred, there is no function to compensate for the commodity price in the user's electronic money. You cannot be compensated.

Accordingly, the present invention is to solve such a problem (s), the object of the present invention to simultaneously authenticate the seller and the transaction history through a number of authentication procedures, thereby protecting the user's rights from illegal sales and hacking The purpose of the present invention is to provide an electronic commerce operation method using an electronic wallet.

1 is a system configuration diagram of an electronic commerce operating system using an electronic wallet applied to the present invention,

2 is a flowchart illustrating an operation of an electronic commerce operating method using an electronic wallet according to a first embodiment of the present invention.

3 is a flowchart illustrating an operation of an electronic commerce operating method using an electronic wallet according to a second embodiment of the present invention.

4 is a flowchart illustrating an operation of an electronic commerce operating method using an electronic wallet according to a third embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

100: User 200: Seller

300: service provider server 400: Internet network

500: bank

In order to achieve the above object (s), a feature of the present invention is that a user who receives an electronic wallet program from a service provider server and a seller and a service provider server registered with the service provider server and given a unique key value are connected to the Internet network. A method of operating an electronic commerce using an electronic wallet of a system connected to be mutually communicated, the method comprising: when a user orders a product from a seller, the seller requests payment of the product through the user's electronic wallet; The user pays the price of the goods from his electronic money to the service provider server through the electronic wallet; A service provider server processes a user's product payment transaction and generates a first authenticator for the payment transaction with a seller's key value; Encrypting the first authenticator and the random number generated by the service provider server to generate a second authenticator; Transmitting the generated first authenticator and the second authenticator to the seller through an electronic wallet; The merchant decrypts and authenticates the first authenticator with a key value; If the authentication result is normal, the seller stores the transaction record, delivers the product to the user, and then transmits the transaction record and the second authenticator to the service provider server; The service provider authenticates the second authenticator sent from the seller, and if the authentication result is normal, the service provider may settle the product price with reference to the transaction record.

On the other hand, another feature of the present invention is that the service provider server, a user registered with the service provider server and a user who has received the electronic wallet program from the service provider server that is given a unique key value are connected so as to be able to communicate with each other by the Internet network. A method of operating an electronic commerce using an electronic wallet of a system, comprising: when a user orders a product from a seller, the seller requests payment of the product through the user's electronic wallet; The user pays the price of the goods from his electronic money to the service provider server through the electronic wallet; A service provider server processes a user's product payment transaction and generates a first authenticator for the payment transaction with a seller's key value; Encrypting the first authenticator and the random number generated by the service provider server to generate a second authenticator; Transmitting the generated first authenticator and the second authenticator to the seller through an electronic wallet; The merchant decrypts and authenticates the first authenticator with a key value; If the authentication result is normal, the seller stores the transaction record, delivers the product to the user, encrypts the transaction record and the second authenticator with key values, generates a third authenticator, and generates the generated third authenticator into the service provider server. Send to; The service provider decrypts the third authenticator transmitted from the seller with a key value and authenticates the product. If the authentication result is normal, the service provider may settle the product price by referring to the transaction record included in the decrypted third authenticator.

In addition, another feature of the present invention, the service provider server, the user registered with the service provider server and the user who is provided with the electronic wallet program from the service provider server is given a unique key value is connected to enable communication with each other through the Internet network A method of operating an e-commerce using an electronic wallet of an integrated system, the method comprising: when a user orders a product from a seller, the seller requests payment of the product through the user's electronic wallet; The user pays the price of the goods from his electronic money to the service provider server through the electronic wallet; A service provider server processes the goods payment transaction of the user, generates a first authenticator for the payment transaction with the seller's key value, and simultaneously generates a fourth authenticator with the key value of the service provider server; Transmitting the first authenticator and the fourth authenticator generated by the service provider server to the seller through an electronic wallet; The merchant decrypts and authenticates the first authenticator with a key value; If the authentication result is normal, the seller stores the transaction record, delivers the corresponding product to the user, and sends a fourth authenticator to the service provider server to request settlement of the transaction amount; The service provider decrypts the fourth authenticator transmitted from the seller into the key value of the service provider server and authenticates the service. If the authentication result is normal, the service provider sets the price of the product by referring to the transaction record.

Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a diagram illustrating a system configuration of an electronic commerce operating system using an electronic wallet applied to the present invention, and FIG. 2 illustrates an operation process of an electronic commerce operating method using an electronic wallet according to a first embodiment of the present invention. 3 is a flowchart illustrating an operation of an electronic commerce operating method using an electronic wallet according to a second embodiment of the present invention.

Referring to Figure 1, the configuration of the present invention, the user 100, the seller 200 and the service provider server 300 is connected to enable communication with each other via the Internet network 400. In addition, the seller 200 is registered in the service provider server 300 is given a unique key value of the seller 200, so that all electronic money payment transactions are configured to be made with the authorized service provider server 300, service The provider server 300 performs settlement work only for the registered seller 200.

In addition, the user 100 registers with the service provider server 300 to receive an electronic wallet program provided by the service provider server 300, and installs the electronic wallet program on the personal computer of the user 100.

In addition, the service provider server 300 is configured to be accessible through the bank 500 and the computer network.

An operation of the present invention having such a configuration will be described below with reference to FIGS. 2 and 3.

First, the seller 200 registers with the service provider server 300 and receives a unique key value of the seller 200. In addition, the user 100 registers with the service provider server 300, receives an electronic wallet program, and installs the same on the personal computer of the user 100.

<1st Example of this invention>

As shown in FIG. 2, when the user 100 orders a product purchase from the seller 200 registered in the service provider server 300 (S1), the seller 200 is installed in the personal computer of the user 100. Run the electronic wallet program, and requests to pay the goods (S2).

At this time, the electronic wallet serves to relay the payment of the product purchase price between the electronic money of the user 100 and the service provider server 300 through the Internet network 400, the service provider server 300 is the electronic wallet. Product payment is received from the electronic money of the user 100 through (S3).

Thereafter, the service provider server 300 processes the payment of the product price through the electronic wallet (S4), and the first authenticator for the payment transaction using the key value of the seller 200 to confirm that the product price is paid. After generating (C1) (S5), encrypting the random number (K1) and the first authenticator (C1) generated by the service provider server 300 for the purchase transaction to generate a second authenticator (C2) ( S6), each generated authenticator (C1, C2) is transmitted to the electronic wallet (S7).

The electronic wallet transmits each authenticator C1 and C2 provided from the service provider server 300 to the seller 200 (S8), and the seller 200 authenticates the first certificate among the transmitted authenticators C1 and C2. The user decrypts his / her own key value to authenticate (S9). At this time, if the authentication result is determined to be a normal value (S10), the seller 200 stores a transaction record related to the product purchase requested by the user 100 (S11), and delivers the corresponding product to the user 100 ( S12).

Thereafter, the seller 200 transmits the transaction record and the second authenticator C2 to the service provider server 300 (S13). The service provider server 300 authenticates the transaction record transmitted by the seller 200 and the second authenticator C2 (S14). If the authentication result is normal, the service provider server 300 stores the product purchase amount for the corresponding transaction record in the bank 500. It is settled to the seller 200 through (S15). Therefore, by authenticating the transaction record through the second authenticator (C2) provided by the service provider server 300, it is possible to prevent hacking or illegal transactions in advance.

<2nd Example of this invention>

As shown in FIG. 3, when the user 100 orders a product purchase from the seller 200 registered in the service provider server 300 (S16), the seller 200 is installed in the personal computer of the user 100. Run the electronic wallet program, and requests to pay the product price (S17).

At this time, the electronic wallet serves to relay the payment of the purchase price of goods between the electronic money of the user 100 and the service provider server 300 on the Internet, the service provider server 300 through the electronic wallet user (100) Receive payment of goods from the electronic money of the (S18).

Thereafter, the service provider server 300 processes the payment of the goods price through the electronic wallet (S19), and the first authenticator for the payment transaction using the key value of the seller 200 to confirm that the goods price is paid. After generating (C1) (S20), encrypting the random number K1 and the first authenticator (C1) generated by the service provider server 300 for the purchase transaction to generate a second authenticator (C2) ( S21), each of the generated authenticators (C1, C2) is transmitted to the electronic wallet (S22).

The electronic wallet transmits each of the authenticators C1 and C2 provided from the service provider server 300 to the seller 200 (S23), and the seller 200 authenticates the first of the transmitted authenticators C1 and C2. The user decrypts his / her key value to authenticate (S24). At this time, if the authentication result is determined to be a normal value (S25), the seller 200 stores the transaction record related to the product purchase requested by the user 100 (S26), and delivers the corresponding product to the user 100 ( S27).

Thereafter, the seller 200 generates a third authenticator C3 by encrypting the transaction record and the second authenticator C2 with the key value of the seller 200 (S28), and generates the third authenticator C3. ) Is transmitted to the service provider server 300 (S29). The service provider server 300 decrypts the third authenticator C3 transmitted by the seller 200 to authenticate the transaction record and the second authenticator C2 (S30). The purchase price of the product is settled to the seller 200 through the bank 500 (S31). Therefore, the third authenticator C3 is generated using the transaction record with the second authenticator C2 provided by the service provider server 300, and the transaction record is authenticated through the generated third authenticator C3. By doing so, the safety of the electronic commerce can be improved.

<3rd Example of this invention>

As shown in FIG. 4, when the user 100 orders a product purchase from the seller 200 registered in the service provider server 300 (S32), the seller 200 is installed in the personal computer of the user 100. Run the electronic wallet program, and requests to pay the product price (S33).

At this time, the electronic wallet serves to relay the payment of the goods purchase price between the electronic money of the user 100 and the service provider server 300 on the Internet, the service provider server 300 through the electronic wallet user (100) Receive payment of goods from the electronic money of the (S34).

Thereafter, the service provider server 300 processes the payment of the goods price through the electronic wallet (S35), and encrypts the transaction details with the key value of the seller 200 to confirm that the goods price is paid. The first authenticator C1 is generated and at the same time the transaction is encrypted with the key value of the service provider server 300 to generate a fourth authenticator C4 (S36), and each generated authenticator C1 and C4. To transmit to the electronic wallet (S37).

The electronic wallet transmits each authenticator C1 and C4 provided from the service provider server 300 to the seller 200 (S38), and the seller 200 authenticates the first certificate among the transmitted authenticators C1 and C4. The user decrypts his / her key value to authenticate (S39). At this time, if the authentication result is determined to be a normal value (S40), the seller 200 stores a transaction record related to the product purchase requested by the user 100 (S41), and delivers the corresponding product to the user 100 ( S42).

Thereafter, the seller 200 retransmits the fourth authenticator C4 to the service provider server 300 and requests to settle the transaction amount (S43). The service provider server 300 decrypts the fourth authenticator C4 transmitted by the seller 200 as a key value of the service provider server 300 and authenticates it (S44). The purchase amount is settled to the seller 200 through the bank 500 (S45). Therefore, by decrypting and authenticating the fourth authenticator C4 provided by the service provider server 300 with the key value of the service provider server 300, hacking or illegal transaction can be prevented through a simpler encryption process. Can be.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined by the claims below and equivalents thereof.

As a result, according to the electronic commerce operating method using the electronic wallet according to the present invention the following advantage (s) occurs.

That is, by providing the second authenticator C2 provided by the service provider server to the seller and authenticating the transaction record through the second authenticator resent from the seller, hacking or illegal transactions can be prevented in advance.

In addition, the seller generates a third authenticator (C3) by encrypting the transaction record with the second authenticator (C2) provided by the service provider server with the seller's key value, and transmits it to the service provider server, the service provider server By verifying the transaction record by decrypting the third authenticator (C3) provided from the key value of the seller, it is possible to improve the safety of the electronic commerce.

In addition, by decrypting and authenticating the fourth authenticator C4 provided by the service provider server with the key value of the service provider server, hacking or illegal transaction can be prevented through a simpler encryption process.

Claims (3)

Electronic using the electronic wallet of the system connected so that the service provider server, the seller registered with the service provider server and given the unique key value and the user who received the electronic wallet program from the service provider server can communicate with each other by the Internet network. In how to operate commerce: When the user orders the goods from the seller, the seller requesting to pay for the goods through the electronic wallet of the user; Paying, by the user, a product price from his electronic money to the service provider server through the electronic wallet; Processing the goods payment transaction of the user in the service provider server, and generating a first authenticator for the payment transaction with the key value of the seller; Generating a second authenticator by encrypting the first authenticator and a random number generated by the service provider server; Transmitting the generated first and second authenticators to the seller through the electronic wallet; The seller authenticates the first authenticator by decrypting the first authenticator with the key value; If the authentication result is normal, the seller stores a transaction record, delivers the product to the user, and then transmits the transaction record and the second authenticator to the service provider server; And The service provider authenticates the second authenticator sent from the seller, and if the authentication result is normal value, the electronic commerce operating method using the electronic wallet comprising the step of calculating the price of the goods with reference to the transaction record. Electronic using the electronic wallet of the system connected so that the service provider server, the seller registered with the service provider server and given the unique key value and the user who received the electronic wallet program from the service provider server can communicate with each other by the Internet network. In how to operate commerce: When the user orders the goods from the seller, the seller requesting to pay for the goods through the electronic wallet of the user; Paying, by the user, a product price from his electronic money to the service provider server through the electronic wallet; Processing the goods payment transaction of the user in the service provider server, and generating a first authenticator for the payment transaction with the key value of the seller; Generating a second authenticator by encrypting the first authenticator and a random number generated by the service provider server; Transmitting the generated first and second authenticators to the seller through the electronic wallet; The seller authenticates the first authenticator by decrypting the first authenticator with the key value; If the authentication result is normal, the seller stores the transaction record, delivers the product to the user, encrypts the transaction record and the second authenticator with the key value, and generates a third authenticator. Sending an authenticator to the service provider server; And The service provider decrypts and authenticates the third authenticator sent from the seller with the key value, and if the authentication result is normal, calculating the price of the commodity with reference to the transaction record included in the decrypted third authenticator. E-commerce operation method using an electronic wallet comprising. Electronic using the electronic wallet of the system connected so that the service provider server, the seller registered with the service provider server and given the unique key value and the user who received the electronic wallet program from the service provider server can communicate with each other by the Internet network. In how to operate commerce: When the user orders the goods from the seller, the seller requesting to pay for the goods through the electronic wallet of the user; Paying, by the user, a product price from his electronic money to the service provider server through the electronic wallet; Processing the goods payment transaction of the user by the service provider server, generating a first authenticator for the payment transaction with the key value of the seller, and generating a fourth authenticator with the key value of the service provider server; Transmitting the first authenticator and the fourth authenticator generated by the service provider server to the seller through the electronic wallet; The seller authenticates the first authenticator by decrypting the first authenticator with the key value; If the authentication result is normal, the seller stores a transaction record, delivers the corresponding product to the user, and requests the settlement of the transaction amount by transmitting the fourth authenticator to the service provider server; And The service provider decrypts the fourth authenticator transmitted from the seller into a key value of the service provider server and authenticates the service provider. If the authentication result is normal, the service provider sets the price of the product by referring to the transaction record. How E-Commerce Works.