KR20020027877A - The pay solution of Internet networks, which is running at the L.A.N system between shopping Mall and V.A.N service company by through personal card reader's Inputting data. - Google Patents

Abstract

PURPOSE: A method for payment in the electronic commerce is provided to prevent damage due to hacking and to secure convenience and stability for a user by removing verification and registration processes and deleting user information from a shopping mall or a computer. CONSTITUTION: The method comprises steps of a user attaching a card reader to a user computer and connecting to an Internet shopping mall(S110,S120), the user inputting password and selecting a payment method after purchasing articles(S130), the user inputting user card information via the card reader(S150), transmitting the encoded card information to a card information input section on the screen of the shopping mall by TCP/IP(Transmission Control Protocol/Internet Protocol) transfer(S160), generating the card information as a pure value via a decoding program(S170), transmitting the value with password, purchase information and ID(Identification) number of the card reader to a VAN(Value-Added Network) company(S180), a card company informing the result value to the VAN company(S210), the shopping mall server outputting an approval value to the screen of the user computer(S220), and the user confirming the result(S230).

Description

In electronic commerce using a computer communication network, a payment transmission method using a telephone line (or a dedicated LAN network) between an e-commerce company and an intermediary company using a card reader connected to a personal computer as an input device. {The pay solution of Internet networks , which is running at the LAN system between shopping Mall and VAN service company by through personal card reader's Inputting data.}

By eliminating the cumbersome authentication process and membership registration process that occur in the existing e-commerce payment method and path, and not storing user's personal information in shopping malls and PG companies, it is possible to prevent damage caused by hacking. It aims to activate electronic commerce by securing stability.

The technical field to which the present invention belongs,

The e-commerce payment support method using the personal card reader that can be attached to the user's computer as an input device, and the payment transmission method using a dedicated line (wired network such as a telephone line or a LAN) using a shopping mall (e-commerce company) and an intermediary company (Van company). In this way, it can be described as a solution for converting the card payment system used in the existing off-line commerce network to the e-commerce payment method.

Looking at the conventional e-commerce payment method,

The user stored the card information through the membership registration in the shopping mall company, and each time the purchase of the product, the user was able to make a payment through the user authentication method, which was accompanied by the inconvenience of use and the risk of damage due to the leakage of personal information. Transactions can be made by stealing the card number without owning the actual card, which requires a lot of investment and cumbersome procedures to prevent personal information leakage.

When the functions of the card payment mechanism used in off-line commerce are divided into input function, reading function, transmission function, and screen output function, the functions are distributed to computers and shopping mall (e-commerce company) servers used by individuals. By using it

: Personal card reader-reading function and transfer function

: User computer-Output and input function through the screen

: Dedicated shopping mall server-Transmission function

By integrating the concept separated into user-centered systems, we will concentrate our technical efforts to utilize the convenience and safety of the off-line payment method for the electronic commerce payment method.

Representative diagram- [FIG. 1-A] shows the e-commerce payment transmission path of the present invention.

Detailed Description of the Drawings

[Fig. 1-a] A serial number will be described by division by path.

<S110> The user attaches a personal card reader with built-in encryption to the user's computer (Seriol port),

<S120> After accessing the internet shopping mall (e-commerce company)

<S130> After selecting the item purchase, enter the password used for the user card, and then select the payment method of the card reader, the password and purchase information will be in the standby state with the specified IP address.

The card reader is coupled with the driving program and waits to receive card information.

<S150> When the user card information value (card number and password) is advanced to the input method through the card reader, the card value is output in an encrypted state.

The encrypted card information value is transmitted to the card information input field waiting on the shopping mall screen through a TCP / IP (or FTP) transmission method via the user's computer.

<S170> The card information input in the encrypted state is output in a secure state on the access screen, and the user transmits the data using the transmission key and is generated as a pure value through the decryption program of the transmission server. Using a telephone line or LAN network connected to a company (Van company) with a dedicated line, along with a password, purchase information, and a unique number of card readers

<S180> is sent to the broker (Van).

<S190> The card information sent to the broker (Van) is requested to approve the card through the broker's business process.

<S200> The card company (if the debit card, the corresponding financial company) checks the entered content,

<S210> The broker (Van) notifies the result value, and the broker (Van) sends the result to the shopping mall server.

<S220> by outputting the approval result value delivered to the broker on the shopping mall screen that the user is connected,

<S230> The user confirms the final approval result.

<S240> is terminated.

* <S195> When checking the card information of the broker, if there is an unusable (non-payment) decision, the result value is output through the <S210> path.

1. Functional composition

①Personal Card Reader-Read the card information and send it to the shopping mall server in encrypted value.

② Purchase goods by connecting to user's PC-shopping mall, connect reader driving program with card reader through communication network, and check basic payment function (purchase information, secret information) and payment result.

③ Shopping Mall Transmission Server-A function that decrypts the encrypted data received by the server device (or program) installed in the shopping mall (e-commerce company) to a broker and transmits the settlement result value received from the broker to the screen. Has

3.action

The user connects to a personal computer and uses the card reader, and inputs the encrypted card information value generated by reading the actual (real) card number inputted through the card reader through the user computer (screen and transmission server). Generates the encrypted value as a pure value and sends it to the brokerage through a dedicated line (telephone line or LAN) and receives the result value and outputs it to the shopping mall screen.

1. A user can purchase an item from an e-commerce company without the conventional membership registration procedure.

2. You may not perform complex user authentication procedures from an e-commerce company or a PG company.

3. You can not keep your card information in the DB.

4. By not going through a PG company, a commerce company can reduce the cost of using the PG company.

5. Debit cards can also be used for electronic commerce.

6. Hacking can be prevented by using dedicated line (telephone line or LAN line) between shopping mall and brokerage company (Van company).

7. E-Commerce Payment Support Services can also be provided through a brokerage service network that supports existing off-line payments.

Claims (1)

In electronic commerce using a computer communication network, a user's card information (card number) is read using a personal card reader connected to a user's computer, and the card information is transmitted to a shopping mall (server or Html access screen) by a TCP / IP (or FTP) transmission method. Sending the value, requesting approval from the card company (the relevant financial company in case of debit card) from the shopping mall to the intermediary company (Van company) via a telephone line or a dedicated line such as LAN, and the resultant value is returned to the intermediary company (Van company). E-Commerce payment method to the reverse transmission method using a dedicated line (telephone line or LAN network) to the e-commerce company.