KR20030023196A - Method of creditcard payment in internet and apparatus thereof - Google Patents

Abstract

PURPOSE: A credit card payment service method and system is provided to enable a user to pay a service over the internet just by inputting a unique member code and a secret number of the credit card, not the credit card number itself so that it can enhance a convenience and prevent an exposure of the credit card number. CONSTITUTION: A service system enables a credit card holder to apply a member registration, and stores a unique member code, a credit card number and a secret number at a member management database(101). The member accesses an internet site, which provides charged information, and inputs the unique member code and the secret code for paying a charged information providing service(102). The internet site requests an approval of the credit card to an approval server by transmitting the input member code and secret number to the approval server(103). The approval server generates approval data by referring to the data stored at the member management database(104), and transmits the generated approval data to the internet site(105). The internet site provides the charged information or rejects it according to the approval data(106, 108). The internet site requests the approval server to process the payment while transmitting the payment specification to the approval server(109), and the approval server processes the payment specification(112).

Description

Method of credit card payment in internet and device therefor

The present invention relates to a method and apparatus for payment using a credit card for expenses incurred by using the Internet. In particular, it is suitable for paying a small fee with a credit card on the Internet, such as an internet pay site.

Currently, there are three ways to pay using a credit card on the Internet. The first is a method of receiving payment by directly entering the card number every time on the Internet, the second is a method of charging and using a prepaid cyber money with a credit card, and the third is providing a credit card number to a site that provides services on the Internet. The total amount used for a certain period of time is a payment method. In this case, if a credit card number is initially provided, payment can be made with a credit card member's unique code and credit card secret code. However, this conventional method has a problem in the following description.

(1) As in the first method above, the method of receiving a credit card number every time has a small payment cost due to the nature of service use on the Internet, and the payment of the cost frequently occurs. It is not only inconvenient to enter the card number every time. There is a possibility of leaking the card number, and the fee is incurred every time you pay with a credit card is currently rarely used.

(2) The method of pre-purchasing cyber money with a credit card in the same way as the second method above, and then paying the price using the cyber money above does not use the service. The consumer's rejection is great, and also for the charging of the cyber money, there is an inconvenience of having to pay every charge.

(3) The method of providing the credit card number to the site as the third method and collecting the used amount at once is required to provide the credit card number to the site. Because the usage history is stored and paid for a certain period of time, it may be impossible to charge the corresponding cost for a person who has been converted into a bad credit after using it, which also has the disadvantage of incurring receivables. In order to overcome the above disadvantages, a fee is inevitably generated because a payment gateway (PG) can only be used to obtain payment approval while using this method.

The technical problem to be achieved by the present invention for solving the above problems is to provide a method and a device that can be conveniently, secure, low-cost payment using a credit card on the Internet.

1 shows an overview of the operation of the present invention.

2 shows the configuration of the system of the present invention.

Internet payment approval method according to the present invention for achieving the technical problem as described above (a) a user who is issued a credit card registered as a credit card member, credit card member unique code, credit card number, credit card for each user (B) receiving a connection from the Internet pay site user at the internet pay site server, receiving a unique code and a secret code of the credit card member as the credit card member of the accessor; c) the Internet pay site server transmitting the credit card payment approval request while transmitting the received credit card member unique code and secret code to a credit card authentication server; (d) the credit card authentication server receives the received Member's unique code, secret code and the member's unique code, secret code entered at the time of registration as a credit card member Generating authorization information on the credit card number based on whether the credit card is authorized, (e) the credit card authentication server is configured to transmit the authorization information to the internet pay site server, and And (f) the Internet paid site server providing paid information to the accessor or refusing the provision according to the received approval information, and (g) the Internet paid site server transmitting the paid information to the accessor. If provided, transmitting the cost information according to the usage history to the credit card authentication server, and claiming the cost, (h) the credit card authentication server according to the received cost information to the credit card payment amount of the accessor; Claiming the sum of the above costs may be further included. In this case, step (g) or (h) may store the cost information in a database, and then sum the costs for a certain period and claim them at once.

Internet billing method according to the present invention for achieving the above technical problem is, in the Internet paid site server, (a) a member unique code and secret code as a credit card member of the accessor when the access from the Internet paid site user Receiving the step, (b) credit card authentication server having a database that stores a credit card member unique code, credit card number, credit card secret code for each user who has been issued a credit card registered as a credit card member Transmitting the credit card member unique code and secret code of the received accessor to the credit card payment authorization request, and (c) transmitting information on whether the credit card authentication server is authorized for the payment authorization request. Receive and provide paid information to the accessor according to the received approval information, or Refusing to provide, (d) if the pay information is provided to the accessor, the charge information according to the use history is transmitted to the credit card authentication server, characterized in that it comprises the step of claiming the cost; ,

Internet payment approval method according to the present invention for achieving the above technical problem, in the credit card authentication server to approve the credit card payment for expenses incurred on the Internet, (a) a credit card user Registering as a member, and having a database storing credit card member unique codes, credit card numbers, and credit card secret codes for each user, (b) credit card member unique codes of the credit card members from an Internet pay site server, Receiving a secret code and receiving the credit card payment authorization request, (c) based on the received credit card member unique code, secret code and credit card member unique code entered at the time of registration as a credit card member, secret code Generating authorization information on whether the credit card is authorized for the credit card number; (d) Transmitting to the Internet pay site server, (e) receiving cost information according to the paid information usage history from the Internet pay site server, receiving the charge, and (f) the credit according to the received cost information. And billing together the sum of the costs to the credit card settlement amount of the cardholder, and also storing the above cost information in a database, and then billing the sum at a certain time period.

Internet payment system according to the present invention for achieving the above technical problem is to register a user who issued a credit card as a credit card member, and stores the credit card member unique code, credit card number, credit card secret code for each user and Credit card member authorization based on the member information management department, the credit card member unique code received from the Internet paid site server, the secret code and the credit card member unique code entered at the time of registration as a credit card member, and the secret code The transaction approval unit for generating approval information on whether or not, the cost information according to the paid information usage history is received from the Internet pay site server, the billing management unit for storing and managing the cost and the credit card member It includes a billing unit for claiming.

Hereinafter, with reference to the drawings will be described in detail the operation and configuration of the system of the present invention.

1 shows an overview of the operation of the present invention. First, when a user applies for issuing a credit card to a credit card company, the credit card company issues a credit card to the user and registers the user as a credit card member. At this time, as the information of the credit card member, information such as a credit card member unique code (ID), the number of the credit card, the secret code (password) of the credit card is stored in the member database and managed (101). The user registered as a credit card member enters information including a credit card member unique code and a secret code to access the pay site of the Internet and pay the cost with a credit card. The paid site server of the Internet receives this information, and transmits the credit card member unique code and secret code input above to the credit card company registered as a credit card member by the user (103), and the unique credit card member inputted above. Request authorization of payment to be charged to the user for using the internet pay site with a credit card corresponding to the code and password. Receiving such a request, the computer of the credit card company uses the data stored in the member database to determine 104 whether to approve payment.

The computer card of the credit card company transmits the authentication result of the payment to the corresponding credit card to the Internet pay site server (105), and the Internet pay site server pays the user who accesses the Internet pay site based on this information. Providing information or refusing to provide paid information is 106. The internet pay site server providing the paid information to the user stores the usage information of the pay information of the user in the usage history database (107). The usage information stored in this way is regularly or often used for the calculation of the fee (108), and the fee information thus calculated is transferred to the computer of the above credit card company to charge the fee (109). In addition, the fee information charged to the credit card company may be notified to the user using the paid site of the Internet by using e-mail or other communication means.

The credit card computer that received the above fee is stored (111) this information in the billing database, and when the user charges the credit card fee of the above credit card member, the credit card member receives the amount including the fee for using the internet paid site. Claim 112 is made.

2 shows the configuration of the system of the present invention. The overall configuration of the Internet payment system according to the present invention includes a credit card member computer 201, an internet pay site server 202, and an internet payment authentication system 203 of a credit card company. First, the credit card member's computer 201 accesses the Internet pay site server 202 and transmits the credit card member's unique code and secret code to the internet pay site server 202, and the Internet pay site server. In step 202, pay information may be provided according to whether the credit card corresponding to the credit card member unique code and password is authenticated, and the fee information may be transmitted. Next, the Internet pay site server 202 receives the credit card member unique code and secret code from the credit card member, and authenticates the credit card associated with the credit card company's computer (internet payment authentication system) ( 203), and receives the authentication result information. Based on the authentication result information received above, the credit card member accessing the internet pay site is provided with the necessary pay information or refuses to provide such information. When the paid information is provided above, the usage history is stored in a database, and the internet fee is paid while calculating the usage fee corresponding to the usage history on a regular or occasional basis and charging this fee to the credit card company 203. Notify credit card members who access the site by email or other means of communication. Next, the Internet payment authentication system 203 of a credit card company will be described. The Internet payment authentication system includes a member information management unit 2031, a transaction approval unit 2032, a charge management unit 2033, and a charge billing unit 2034. It consists of). First, the member management unit 2031 performs a function of storing and managing information of a user who is issued a credit card and registered as a credit card member in a database. The user information thus stored and managed includes a credit card number, a unique code of a credit card member, Contains password information for the credit card. When the transaction approval unit 2032 requests authentication while transmitting the credit card member unique code and secret code information from the Internet pay site server 202, the transaction approval unit 2032 responds to the above credit card member unique code and secret code. Checks the credit status of the credit card, determines whether to approve the transaction, and transmits the authentication result information to the Internet pay site server 202. The bill management unit 2033 receives a fee for providing pay information from the Internet pay site server 202, and stores the information in a database and manages it. The billing unit 2034 performs a function of billing the expense of storing the cost stored in the database in the billing management unit together with the credit card use price of the credit card.

In the above, the present invention has been described a preferred embodiment of the Internet payment method and the device. Various additional functions may be added to these embodiments to practice the present invention. For example, once a credit card member joins an internet pay site once, the credit card member unique code and secret code associated with the credit card can be avoided from entering every time the internet pay site is accessed. Or, you may have to enter it every time to reduce the burden on the system.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer. And, it can be implemented in a general-purpose digital computer for operating the program using a medium used in the computer. The media may be stored such as magnetic storage media (e.g., ROM, floppy disk, hard disk, etc.), optical reading media (e.g., CD-ROM, DVD, etc.) and carrier waves (e.g., transmission over the Internet). Media.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the appended claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

According to the present invention, it is convenient from the user's point of view because it is possible to enter the credit card member unique code and the password of the credit card, and the user does not need to enter the card number every time, so there is no need to worry about the leakage of the credit card number. Has excellent security. In addition, the operator of the Internet paid site can also be authenticated for the credit card to pay internally, so that even if the credit card member becomes a bad crediter, he / she can charge for the authenticated amount. There is an advantage to not. In addition, many places of internet pay sites require the authentication of adult accessor. However, if the present invention is applied, only a credit card member can use the internet pay site, so that a separate adult authentication procedure is not required for the internet pay site. There is also an advantage.

Claims (7)

(a) registering a user who has issued a credit card as a credit card member, and having a database storing a credit card member unique code, a credit card number, and a credit card secret code for each user; (b) receiving an access code of a credit card member unique code and secret code of the accessor when the internet pay site server receives access from the internet pay site user; (c) the Internet pay site server transmitting the credit card payment approval request while transmitting the received credit card member unique code and secret code to a credit card authentication server; (d) The credit card authentication server approves the payment of the credit card number based on the received credit card member unique code, secret code and credit card member unique code and secret code inputted when registering as a credit card member. Generating approval information for the; (e) the credit card authentication server is configured to transmit the approval information to the internet pay site server. The method of claim 1, (f) the internet pay site server providing paid information to the visitor according to the received approval information or refusing the provision; (g) if the internet pay site server provides the pay information to the accessor, charging the cost while transmitting the cost information according to the usage history to a credit card authentication server; (h) the credit card authentication server further comprising the step of billing together the sum of the cost to the credit card payment amount of the accessor according to the received cost information. The method of claim 2, In step (g) or (h), the cost information is stored in a database, and the Internet payment method is characterized in that the sum of the costs for a certain period and billed at once. Internet paid site server, (a) receiving a unique code and a secret code of a credit card member as a credit card member of the visitor, upon receiving access from the Internet pay site user; (b) A user who has issued a credit card is registered as a credit card member, and the user who has entered the credit card authentication server has a database storing a credit card member unique code, credit card number, and credit card secret code for each user. Transmitting a payment authorization request of the credit card while transmitting a credit card member unique code and secret code of the credit card member; (c) receiving information on whether or not to approve the payment approval request from the credit card authentication server, and providing paid information to the accessor according to the received approval information or refusing the provision; and (d) if the fee information is provided to the accessor, charging the fee while transmitting the cost information according to the usage history to the credit card authentication server. In the credit card authentication server to approve the credit card payment for expenses incurred on the Internet, (a) registering a user who has issued a credit card as a credit card member, and having a database storing a credit card member unique code, a credit card number, and a credit card secret code for each user; (b) receiving a credit card member unique code and secret code of the credit card member from an internet pay site server and receiving the credit card payment approval request; (c) Generating authorization information on whether the credit card number is authorized for the credit card number based on the received credit card member unique code, secret code and credit card member unique code and secret code inputted when registering as a credit card member. Doing; (d) transmitting the approval information to the internet pay site server; (e) receiving the cost information according to the paid information usage history from the internet pay site server, and receiving the charge; and (f) billing the sum of the costs together with the credit card payment amount of the credit card member according to the received cost information. A member information management unit which registers a user who has issued a credit card as a credit card member and stores and manages a credit card member unique code, credit card number, and credit card secret code for each user; On the basis of the credit card member's unique code, secret code and credit card member's unique code and secret code received from the internet pay site server, the authorization information for the credit card number is approved. Generating a transaction approval unit; A charge management unit that receives the cost information according to the paid information usage history from the internet pay site server, stores and aggregates and manages the cost; And Internet billing system characterized in that it comprises a charge billing unit for charging the charge to the credit card member. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 5 on a computer.