KR20020043414A - Credit card granting e-commerce password - Google Patents

Abstract

PURPOSE: A credit card for embodying a password for an electronic commerce only is provided to execute a secure commercial transaction without exposing personal information and a password of a credit card on a communication by protecting a financial loss of a subscriber although other person steals information in an electronic commerce. CONSTITUTION: A password for only an electronic commerce is inputted and stored in member information of a credit card company besides a conventional password for a financial payment. Thus, a subscriber participates in an electronic commerce using a credit card number and the password for only an electronic commerce on a communication with an electronic commerce shopping mall. Although the credit card subscriber does not set and input a delivery address of a commodity and an object of a service, the commodity and the service are supplied to an address inputted in the credit card information.

Description

Credit card granting e-commerce-specific passwords {.}

The present invention proposes a method for improving the reliability of an e-commerce using a credit card. In the conventional e-commerce, when a buyer selects a purchase product and wishes to pay by credit card, the buyer's address, name, telephone, etc. Personal information as well as card number. As important information such as card password is exposed on the communication, there is a fear of information leakage (hacking, etc.), and as a result of the anxiety, which reduces the e-commerce transaction and also hassle to input various information as described above. I couldn't help it. In order to solve the security problem of the e-commerce, in the past, when a buyer inputs transaction information, the trading company notifies the transaction details by using a text message on the mobile phone of the relevant transaction, and the transaction confirming the transaction finally confirms the confirmation of the transaction. How to make a safe transaction. Alternatively, many electronic commerce security methods such as a method of verifying identity using a fingerprint reader connected to a PC and a method of securing a transaction using an electronic signature through a certification authority have been put to practical use. The situation is accompanied by the inconvenience required.

The present invention is to provide a way to execute secure electronic commerce without exposing personal information and password of credit card in communication in electronic commerce using credit card as a payment method. In the process of selecting a product and paying for the product using a credit card as a payment method, the transaction path is set so that the buyer's personal information and card information are not exposed to the communication, In order to securely conduct e-commerce by eliminating the cause of information theft by fundamentally eliminating financial gains even by theft, the personal information such as the name of the buyer's address for delivery of goods and the card password for payment Use your credit card electronically without entering sensitive information It seeks to find a way to the future.

Due to the nature of electronic commerce, a strict security is required when using a credit card. However, the present invention allows electronic commerce to be carried out with only information that does not pose a serious risk even if it is disclosed. By additionally inputting the password of the user, it separates the password and use of the existing financial settlement password and uses it only for electronic commerce, so that it is possible to perform electronic commerce without disrupting personal information and credit card password without exposing the communication. Buyer's Address. Even if the personal information such as name is not entered directly, the goods will be delivered to the address entered in the card information used as payment.

1. A step in which a credit card subscriber who wishes to use e-commerce accesses a credit card company to which he / she subscribes and requests to add an e-commerce-specific password to his credit card information.

2 The card company approves the member's request and adds the e-commerce exclusive password requested by the member to the main host computer in the member's credit card information to build a database.

3 In response to a transaction request entered as an e-commerce password, the card company automatically converts it to an existing financial settlement password associated with the e-commerce password, verifying the validity of the transaction and notifying the financial company if the transaction is approved. And installing the operation software for notifying the delivery of the goods by transmitting the address and the name entered in the credit card information to the server of the electronic shopping mall so that the above-described series of operations are automatically processed.

The e-commerce system constructed as described above enables more secure transactions through the following channels.

1. Buyer selecting goods or services on telecommunications and requesting a transaction

* The buyer enters the product they wish to purchase in the shopping mall of the network, enters their credit card number and e-commerce password, and the e-shopping mall sends the specified transaction details and the buyer's card number and e-commerce exclusive password to the credit card company. Send to request approval of the transaction.

2 Transaction approval and payment stage

* The credit card company's transaction approval system that receives the transaction approval request contains the user information included in the transaction approval. Transaction history. By comparing the shopping mall information with the company's data, we verify that there is no reason for disqualification in the transaction between the user and the shopping mall, and if the transaction is a fair transaction according to the company's policy. The transaction approval and the address and name of the trader are transmitted to the management server of the shopping mall so that the goods can be delivered or serviced.

3provision phase of goods or services

* A shopping mall approved for a transaction by a credit card company will deliver the goods to the address notified by the credit card company. Even if a name is not entered, the address is sent to the address and the party received from the credit card company together with the transaction approval, and in the case of ticket reservation or service, the result of payment is limited to the credit card so that the buyer can use the credit card. When presenting or using an automatic ticketing machine, it is restricted to output only to the credit card concerned.

The e-commerce method of the present invention is a transaction without the exposure of any personal information or card information on the Internet without the exposure of the password, so that not only secure e-commerce but also the e-commerce system of the present invention uses a credit card All results of e-commerce, namely delivery of goods. As the result of payment such as reservation service is delivered to the card user or limited to the card holder, even if a third party knows all the information of the member, there can be no financial benefit that can be obtained by exploiting it. Therefore, credit card holders have the effect of more secure electronic commerce, and the total amount of information entered in the communication between the buyer and the shopping mall is less effective to carry out the transaction.

Claims (2)

In addition to the existing financial settlement password in the credit card company's member information, the e-commerce transaction is used only when the subscriber wishes to conduct an e-commerce transaction by using the card number and the e-commerce password only in communication with the e-shopping mall. E-commerce system, characterized in that to perform. Even if the credit card subscriber does not separately set the delivery address of the goods according to the payment of the e-commerce and the subject of the service provision, the goods delivery and services are provided only at the address entered in the subscriber's credit card information or the credit card. Electronic commerce system, characterized in that.