KR20030026172A - An electronic payment method using unique cyber credit number - Google Patents

Abstract

PURPOSE: An electronic payment method is provided to enable a user to request a payment by using a unique cyber credit number, and to make the cyber credit number effective if certain conditions have to be satisfied. CONSTITUTION: A user accesses a home page of an electronic commerce server, and determines a commodity to be purchased(S15). The user executes an electronic wallet and transmits an ID and a password to a cyber credit number approval server for requesting a log-in(S16). The cyber credit number approval server transmits names of the credit card and the delivery places, registered at a member subscription process, to the electronic wallet of the user(S17). The user selects one among the transmitted credit card names and delivery places, transmits the selected credit card name and delivery place to the approval server, and requests the cyber credit number authentication server to send payment data, for example, a cyber credit number, an effective period, and delivery data(S18). The authentication server stores the cyber credit number at a secure storage(S19) and transmits the requested payment data to the electronic wallet(S20). Then, the electronic wallet automatically fills the payment data in a payment screen(S21), the user checks the filled payment data displayed on the payment screen and requests the electronic commerce server to process the payment(S22). Then the electronic commerce server requests a payment gateway to process the payment(S23), and the payment gateway transmits the payment data to a credit card company server(S24). The credit card company server requests the cyber credit number authentication server to check whether the cyber credit number is stored at the secure place(S25). The authentication server checks whether the cyber credit number is stored at the secure place(S26), and transmits the check result to the credit card company server(S27). Then the authentication server deletes the cyber credit number stored at the secure place(S28). The credit card company server executes an internal authentication process, and transmits the authentication result to the payment gateway(S29). Then the payment gateway transmits the authentication result to the electronic commerce server(S30).

Description

Electronic payment method using unique cyber credit number per user {AN ELECTRONIC PAYMENT METHOD USING UNIQUE CYBER CREDIT NUMBER}

The present invention does not use a real credit card number in the method of payment for an item purchased by an e-commerce user, but uses a unique cyber credit number for each user, and the user uses a cyber credit number certificate server (Cyber). Credit Number Authentication Server) relates to an electronic payment method that stores a cyber credit number in a secure storage only for a certain condition and makes a payment only when there is a cyber credit number in a secure storage.

With the development of the Internet, the number of electronic commerce servers that can purchase goods through the internet is increasing rapidly. In the process of making a purchase decision, the buyer can compare the price information as well as the direct and indirect counterparts of similar products to make efficient purchasing decisions and overcome the temporal and spatial constraints on purchasing the goods. There are many advantages of being able to overcome the constraints, to publicize the seller's business, to advertise the goods or services at a fairly low cost, and to analyze the buyer's purchases directly and automatically. Therefore, many e-commerce servers are operating on the Internet and used by many users.

The payment of the e-commerce server is a lot of payment methods that pay for goods using the payment method by the bank's Jiro method or their credit card number. The payment by the bank's Jiro method is an inappropriate method of payment in electronic commerce because the purchase and payment of goods are not made at the same time online. Therefore, the payment method by credit card is mainly performed. Credit card payments online are similar to payments using a credit card offline. The only difference is that you pay by credit card number, credit card expiration date, and some password, not credit card. In other words, by using your credit card number and some information on the Internet, it is easy to use and easy to pay a lot of money.

Most e-commerce servers currently support credit card payments, which is actually the most convenient method. However, since the user's card number and other information are stored in the e-commerce server's database, hackers can access the user's information on less secure e-commerce servers. When the user's personal information is leaked and the user's property or material loss is prevented and he / she cannot operate the e-commerce server. There is a limit to the serious damage that can be done.

In order to overcome these limitations, payment methods using one-time virtual card numbers are used nowadays, but this method not only complicates the task of settlement, cancellation, and alternative approval by generating different cyber credit numbers when users make multiple payments. The disadvantage is that the amount of data increases tremendously.

Therefore, the present invention is to solve the problems of the prior art, the object of the present invention is that the user's personal information is leaked by using the actual credit card number in the method of payment of goods purchased by the user in the Internet e-commerce, a tremendous amount of property and material Each user uses a unique cyber credit number without using a loss method.When a user requests a payment to a cyber credit number authentication server, the cyber credit number is stored in a secure storage only for a certain condition and the cyber credit number is stored in a secure storage. The present invention relates to an electronic payment method that allows payment to be approved only when there is a user's purpose.

Recently, with the development of the Internet, e-commerce servers that can purchase goods through the Internet are increasing rapidly. Currently, these e-commerce servers are used a lot of payment method using the actual credit card number in the payment of the payment. Payments using real credit card numbers are easy to use and expensive, so most e-commerce servers support credit card payments, but they can be seriously damaged when credit card numbers and other information are leaked. Has a limitation.

To this end, the present invention uses a unique cyber credit number for each user. When generating a cyber credit number, the credit card number of each credit card company and its system are created with the same random number, so that the e-commerce server recognizes the credit card number. By making it available, the cyber credit number can be used without any manipulation when it is sent to the payment gateway. By differentiating the actual credit card numbers used offline and the cyber credit numbers used online, the actual credit card numbers are prevented from being leaked to others online, resulting in the loss of property and material loss.

In addition, when the user requests a payment to the cyber credit number authentication server, the cyber credit number authentication server stores the cyber credit number only for a predetermined condition in a secure storage. The cyber credit number authentication server sends a confirmation that payment can be made to the credit card company's server's payment request only when there is a cyber credit number in a secure store so that the user can log in and request a payment by logging in with the cyber credit number authentication server. Unless the cyber credit number used online is leaked, payment will not be approved. Thus, the user can make an e-commerce payment with confidence.

1 is a block diagram of an electronic payment method system configuration using a cyber credit number according to the present invention

FIG. 2 illustrates the flow of signals in the system shown in FIG.

3 is a flowchart showing a cyber credit number issuing procedure according to the present invention.

4 is a flowchart illustrating a payment procedure when a user makes an Internet e-commerce payment according to the present invention.

5 is a functional block diagram of a cyber credit number authentication server according to the present invention

6 is a system diagram when a user communicates wirelessly according to the present invention.

7 is a system configuration when a credit card company server operating a secure storage in accordance with the present invention

<Explanation of symbols for main parts of drawing>

1: user

2: Electronic Commerce Server

3: Payment Gateway

4: credit card company server

5: Cyber Credit Number Authentication Server

6: Cyber Credit Number Member Information Repository

7: Secure Storage

8: Credit card member information store

9: Wireless Application Protocol Gateway

Hereinafter, an electronic payment method using a cyber credit number according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of an electronic payment method system using a cyber credit number according to the present invention. As illustrated in FIG. 1, a user 1 may search the desired item and pay the bill over the Internet to the e-commerce server 2. You are connected and communicate using a web browser, such as Internet Explorer or Netscape, installed on your Personal Computer. In addition, the user 1 is connected to the cyber credit number authentication server 5 via the Internet. In this case, the user 1 communicates using the electronic wallet downloaded and installed from the cyber credit number authentication server 5. The user 1 may communicate with a mobile communication terminal such as a cellular phone equipped with a wireless communication means, a PCS, a personal digital assistant (PDA), and a wireless Internet dedicated terminal, instead of a personal computer, for communication by connecting to the Internet. have. At this time, as shown in Fig. 6, between the user 1 and the Internet, a swap gateway 9 for converting the WAP (Wireless Application Protocol) protocol and the Internet TCP / IP protocol in the middle is provided. In other words, all mobile communication terminals request the internet service through the swap gateway, and the swap gateway requests the service again according to the swap protocol through the existing internet wired network. Subsequently, all the communication processes are performed by receiving a response from the Internet server and transmitting the message back to the mobile communication terminal, which was originally requested, by the swap protocol.

The e-commerce server 2 includes a server that operates all Internet sites that perform paid services, such as an online server for selling goods or a site that provides various contents, as well as a site that provides paid information. 1) and payment gateway 3 are respectively connected to the Internet.

The payment gateway 3 refers to a server dedicated to inquiry and payment processing of payment information between the e-commerce server 2 and the credit card company server 4. The payment gateway 3 is connected to the e-commerce server 2 via the Internet and is connected to the credit card company. The server 4 is connected by a private network.

The credit card company server 4 includes a credit card membership database including personal information and credit card information of a user who has registered as a credit card member, an e-commerce database and other credits in which the user's purchase price information is stored. It is a server that operates various databases necessary for card member operation, and is connected to a payment gateway 3, a cyber credit number authentication server 5, and a dedicated network, respectively.

The cyber credit number authentication server 5 includes a cyber credit number member information storage 6 which stores information of various members using the cyber credit number and a database 7a which temporarily stores the cyber credit number of the user who requested the payment information. It is a server that operates a secure storage (7) with a user (1) is connected to the Internet and a credit card company server (4) is connected through a private network. At this time, the secure storage 7 may be operated by the credit card company server 4 as shown in FIG.

In the system configured as described above, the actual credit card number is transmitted only between the credit card company server (4) and the cyber credit number authentication server (5) by using a dedicated network. Since there is no possibility to use, users (1) in the Internet e-commerce using a unique cyber credit number for each user can pay for the purchased goods safely.

FIG. 2 illustrates a flow of information transmitted between subjects in the system shown in FIG. In FIG. 2, an embodiment will be described using the flowcharts of FIGS. 3 and 4 with respect to the flow of information according to the present invention.

First, in order for the user 1 to pay for the goods purchased in the Internet e-commerce as a payment method according to the present invention, the user 1 first accesses the cyber credit number authentication server 5 and accesses the cyber credit. Receives the ID and password and the cyber credit number to be used in the number authentication server (5) to go through the procedure of joining as a member of the cyber credit number authentication server (5).

The user 1 accesses the cyber credit number authentication server 5 over the Internet (S1). The user 1 accesses the cyber credit number authentication server 5 by installing it on the computer of the user 1. Use a method of accessing the Internet through a web browser such as Internet Explorer or Netscape. The user 1 inputs information (name, social security number, credit card number, credit card expiration date, credit card password, etc.) necessary for correct credit card user authentication and transmits it to the cyber credit number authentication server 5 (S2). The cyber credit number authentication server 5 reads from the cyber credit number member information storage 6 whether the user 1 is a correct credit card user. (S3) At this time, the cyber credit number information storage 6 Has a credit card number database (6b), which periodically stores data backed up from the credit card member information store (8) of the credit card company server (4) or stores the credit card member information whenever it is needed. Request data to (8). When it is determined that the user is a valid credit card user, the cyber credit number authentication server 5 requests the user 1 to input an ID and password for use by the cyber credit number authentication server 5 to the user 1. Enter the ID and password to be used in the cyber credit number authentication server (5) and transmits to the cyber credit number authentication server (5). (S4) The cyber credit number authentication server (5) ID and password to be used by the user (1) After authentication (S5) and storing in the cyber credit number member information storage (S6) (S6) and other information (personal information, shipping information, credit card information) of the user 1 is requested (S7) User ( 1) Register personal information (address, phone number, e-mail, etc.) (S8) Register shipping information (recipient, shipping address, shipping phone number, shipping alias, etc.) (S9) Actual credit card information (credit card) Number, credit card expiration date, credit card De alias alias, etc.) is transmitted to the cyber credit number authentication server 5. (S10) In this case, a plurality of shipping address information and credit card information can be registered. This is to allow the user 1 to select one of a plurality of shipping information and credit card information registered by the user 1 when the user pays for the goods. The cyber credit number authentication server 5 stores the received information in the cyber credit number member information storage 6. (S11) In addition, the cyber credit number authentication server 5 stores the unique cyber credit number of the user 1. Generate and store the cyber credit number information database (6c) of the cyber credit number member information storage (6) (S12) The cyber credit number generated by the credit card number for each card company and the same system produced by the same e-commerce server In (2), the credit card number is recognized. It can also be used without any additional operation when sent to the payment gateway 3. When the user 1 downloads the electronic wallet from the cyber credit number authentication server 5 (S13) and installs the downloaded electronic wallet on the computer of the user 1 (S14), the procedure for registering as a member is performed. It is over. The electronic wallet is responsible for the communication between the user (1) and the cyber credit number authentication server (5), which is used when the user (1) logs in with the cyber credit number authentication server (5), and the logged-in user (1) Select this credit card alias and shipping alias to use when requesting payment information to the cyber credit number authentication server (5), the cyber credit number authentication server (5) is used to send payment information to the user (1), It is used to automatically fill in the payment information of the user 1 on the payment screen of the e-commerce server 2 site. The method of distinguishing payment screens of different e-commerce servers (2) with different e-wallets is based on the information in the Internet service site database (6e) in the cyber credit number information store (6). Can fill in the payment information. The operator of the cyber credit number authentication server 6 grasps the characteristics of each e-commerce server site in the Internet service site database 6e and organizes and stores the data. The electronic wallet may be provided to the user 1 in the form of a compact disk (CD) or diskette offline and may be downloaded online as in the above example. In addition, whenever the user 1 logs in with the cyber credit number authentication server 5, the electronic wallet is automatically updated.

Next, according to an embodiment of the payment method according to the present invention, the user 1 decides the goods to be purchased through the Internet, executes an electronic wallet, requests payment information to the cyber credit number authentication server 5, and pays for the goods. An example of payment is shown.

The user 1 accesses the homepage of the e-commerce server 2 operating the e-commerce site through the Internet, and decides an item to be purchased. (S15) The user 1 selects an electronic product on the payment settlement screen of the e-commerce site. Request the login by transmitting the ID and password to the cyber credit number authentication server 5 by executing the wallet. (S16) Cyber credit number of the user 1 received by the cyber credit number authentication server 5 The login is approved by comparing with the ID and password stored in the member information storage 6. At this time, the cyber credit number authentication server (5) is a credit card alias and shipping alias registered by the user (1) at the time of membership registration from the cyber credit number member information store (6) as an electronic wallet that is executed on the user (1) computer. (S17) If the user 1 inputs a plurality of credit card information and shipping address information at the time of membership registration, the user 1 can select one of several items. . The user (1) who is authorized to log in selects the credit card alias and the shipping address alias to use for payment in the electronic wallet, and sends it to the cyber credit number authentication server (5) for payment information, ie user information, cyber credit number, and credit card validity. Request period, delivery address information, etc. (S18) Cyber credit number authentication server 5 receives the credit card alias and the shipping address alias transmitted by the user 1 receives the cyber credit number of the user (1) who requested payment information It stores in the secure storage (7) (S19) and transmits the payment information of the cyber credit number member information storage (6) to the electronic wallet running on the user (1) computer. (S20) The electronic wallet (2) The payment information is automatically filled on the payment screen. (S21) The user 1 checks the payment information automatically filled on the payment screen of the e-commerce server 2 and pays the payment of the e-commerce server 2. On-screen In step S22, the electronic commerce server 2 requests payment approval. The electronic commerce server 2 transmits payment information to the payment gateway 3 to request payment approval. The payment information is sent to the credit card company server 4 to request payment approval. (S24) The credit card company server 4 stores the cyber credit number received from the payment gateway 3 in a secure storage 7. If the cyber credit number authentication server (5) is requested to confirm (S25) at this time, the cyber credit number authentication server (5) is connected to the dedicated network. The cyber credit number authentication server 5 checks whether the cyber credit number, such as the cyber credit number received from the credit card company server 4, is in the secure storage 7 (S26) and confirms the result with the credit card company server 4. (S27) The cyber credit number authentication server 5 also deletes the cyber credit number of the user 1 who requested the payment from the secure storage 7. (S28) The credit card company server 4 internally After executing the approval processor, the payment approval result is transmitted to the payment gateway 3 (S29). The payment gateway 3 transmits the payment approval result to the e-commerce server 2. (S30) The e-commerce server 2 Notifies the user 1 of the payment approval result (S31), the procedure for paying the price of the goods purchased by the user 1 during the Internet e-commerce is ended.

5 is a block diagram showing the functions of the cyber credit number authentication server 5 when the user 1 according to the present invention pays for Internet e-commerce.

First, the cyber credit number authentication server 5 is connected to the user 1 by communicating with the Internet via TCP / IP protocol, and is connected with the credit card company server 4 by communicating with the private network using the X.25 protocol. . In addition, the cyber credit number authentication server (5) has a data storage place of cyber credit number member information storage (6) and secure storage (7).

Communication with the user 1 is performed by the user 1 executing the electronic wallet installed on the user's computer and logging in with the cyber credit number authentication server 5 of the user 1 stored in the user information database 6a. Processor (5a) that approves the user login by comparing the ID and password and the ID and password sent through the electronic wallet and sends the credit card alias and the shipping address alias to the user (1), and the user (1) who has logged in After selecting a card alias and a shipping address alias and requesting payment information, a processor 5b for receiving the request and a processor for retrieving the cyber credit number of the user 1 requesting the payment information from the cyber credit number information database 6b ( 5c), a processor 5d for storing the cyber credit number of the user 1 who requested the payment information into the database 7a of the secure storage 7, and the user information database. Personal information, cyber credit number, and shipping address information of the user 1 read from the network 6a, the cyber credit number information database 6c, and the shipping information database 6d, and the information read from the Internet service site database 6e. It is processed by the processor 5e which transmits the electronic wallet of the user 1 computer together.

In addition, communication with the credit card company server 4 requests that the credit card company server 4 store a cyber credit number such as a cyber credit number received from the payment gateway 3 through a private network in a secure storage 7. The processor 5f for receiving it, the processor 5g for confirming that the cyber credit number such as the cyber credit number transmitted from the credit card company server 4 is stored in the secure storage 7, and the verification result. The processor 5h sends the credit card company server 4 through the private network and deletes the cyber credit number of the user who requested the payment from the secure storage 7.

There is another processor in the cyber credit number authentication server (5), which is a processor (5i) that deletes the cyber credit number of the user who requested the payment information from the secure storage (7) when a certain condition is met. The cyber credit number authentication server (5) stored the cyber credit number of the user (1) who requested the payment information in the secure storage (7) and sent the payment information to the electronic wallet of the user (1) between 1 second and 10 minutes. If the credit card company server (4) does not request that the cyber credit number, such as the cyber credit number received from the payment gateway (3) sent to the cyber credit number authentication server (5), is stored in the secure storage (7) and After the cyber credit number authentication server 5 stores the cyber credit number of the user who requested the payment information in the secure storage 7, the cyber credit number authentication server 5 stores the cyber credit number in the safe storage 7 by a normal procedure. This is a case where the user 1 is logged out of the cyber credit number authentication server 5 before the eBy credit number is deleted.

The recent development of the Internet and the purchase of goods, it is possible to easily compare the price and performance of similar products to make efficient purchasing decisions and to overcome the time and space constraints on the purchase of goods. Is rapidly increasing and users are using it a lot. In the payment of goods purchased in this way, a payment method using a credit card that uses a credit card number, a credit card expiration date, and a part of a credit card password is mainly performed. This method has the advantage of being easy to use and easy to pay for, but also has the disadvantage of being vulnerable to security. Many methods have been discussed to overcome these shortcomings. Among them, a payment method using a disposable virtual card number is used, but this method also has many disadvantages.

To this end, in the present invention, each user uses a unique cyber credit number to prevent the actual credit card number from being leaked online, thereby preventing the user from incurring property and material loss, and after the user requests payment information from the cyber credit number authentication server. By validating the cyber credit number of the user who requested the payment information for a certain period of time, even if the cyber credit number used online is leaked, payment is not made unless the user logs in with the cyber credit number authentication server and requests the payment information. This allows users to conduct secure Internet e-commerce.

Claims (6)

A user (1) having an internet communication means, an e-commerce server (2), a payment gateway (3), and a cyber credit number authentication server (5) are connected to the Internet and have a payment gateway having a dedicated network communication means ( 3) In the electronic payment method using a system in which a credit card company server 4 and a cyber credit number authentication server 5 are connected to a private network, A user (1) accessing the cyber credit number authentication server (5) to receive an ID, a password, and a cyber credit number to register as a member; Determining, by the user 1, a desired item to be purchased by accessing the homepage of the e-commerce server 2; Requesting the user 1 to log in with the cyber credit number authentication server 5 by executing an electronic wallet; Approving login by the cyber credit number authentication server (5), The user 1 requesting payment information from the electronic wallet to the cyber credit number authentication server 5; Storing, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment information in the secure storage 7; The cyber credit number authentication server 5 transmitting the payment information to the electronic wallet; The electronic wallet automatically filling the payment information on the electronic commerce server (2) payment screen; The user 1 checking the payment information automatically filled in the payment screen of the e-commerce server 2 and requesting approval of the payment on the payment screen of the e-commerce server 2; Requesting payment approval from the e-commerce server 2 to the payment gateway 3, The payment gateway 3 requesting the payment approval from the credit card company server 4; The credit card company server (4) requesting confirmation with the cyber credit number authentication server (5) whether the cyber credit number, such as the cyber credit number received from the payment gateway (3), is stored in the secure storage (7); Verifying that the cyber credit number authentication server 5 stores the cyber credit number, such as the cyber credit number received from the credit card company server 4, in the secure storage 7; The cyber credit number authentication server 5 transmitting the verification result to the credit card company server 4; Deleting, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment from the secure storage 7, The credit card company server 4 executing the internal authorization processor and transmitting the payment approval result to the payment gateway 3; The payment gateway 3 transmitting the payment approval result to the e-commerce server 2; An electronic payment method comprising the step of notifying the user 1 of the payment approval result. The electronic payment method of claim 1, wherein the cyber credit number is unique to each user. The method according to claim 1, wherein the cyber credit number authentication server 5 stores the cyber credit number of the user 1 who requested the payment information in the secure storage 7 and sends the payment information to the electronic wallet of the user 1 second. The request for confirmation that the credit card company server 4 stores the cyber credit number, such as the cyber credit number, received from the payment gateway 3 to the cyber credit number authentication server 5 within 10 minutes, is stored in the secure storage 7. If not, and the cyber credit number authentication server 5 stores the cyber credit number of the user who requested the payment information in the secure storage 7, the cyber credit number is deleted from the safe storage 7 by a normal procedure. If the user (1) is logged out of the cyber credit number authentication server (5) before being included, the processor (5i) that deletes the cyber credit number of the user who requested the payment information in the secure storage (7) Electronic Payment characterized in that. A user (1) having an internet communication means, an e-commerce server (2), a payment gateway (3), and a cyber credit number authentication server (5) are connected to the Internet and have a payment gateway having a dedicated network communication means ( 3) In the electronic payment method using a system in which a credit card company server 4 and a cyber credit number authentication server 5 are connected to a private network, A user (1) accessing the cyber credit number authentication server (5) to receive an ID, a password, and a cyber credit number to register as a member; Determining, by the user 1, a desired item to be purchased by accessing the homepage of the e-commerce server 2; Requesting the user 1 to log in with the cyber credit number authentication server 5 by executing an electronic wallet; Approving login by the cyber credit number authentication server (5), The user 1 requesting payment information from the electronic wallet to the cyber credit number authentication server 5; Storing, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment information in a secure storage 7 operated by the credit card company server 4; The cyber credit number authentication server 5 transmitting the payment information to the electronic wallet; The electronic wallet automatically filling the payment information on the electronic commerce server (2) payment screen; The user 1 checking the payment information automatically filled in the payment screen of the e-commerce server 2 and requesting approval of the payment on the payment screen of the e-commerce server 2; Requesting payment approval from the e-commerce server 2 to the payment gateway 3, The payment gateway 3 requesting the payment approval from the credit card company server 4; Checking, by the credit card company server 4, whether the cyber credit number, such as the cyber credit number received from the payment gateway 3, is stored in the secure storage 7; Deleting, by the credit card company server (4), the cyber credit number of the user (1) who has requested a payment from the secure storage (7); The credit card company server 4 executing the internal authorization processor and transmitting the payment approval result to the payment gateway 3; The payment gateway 3 transmitting the payment approval result to the e-commerce server 2; An electronic payment method comprising the step of notifying the user 1 of the payment approval result. A credit card company server (4), cyber credit, in which a user (1) having an internet communication means, an e-commerce server (2), and a cyber credit number authentication server (5) are connected to the Internet and have a dedicated network communication means. In the electronic payment method using a system in which the number authentication server 5 is connected to a private network, A user (1) accessing the cyber credit number authentication server (5) to receive an ID, a password, and a cyber credit number to register as a member; Determining, by the user 1, a desired item to be purchased by accessing the homepage of the e-commerce server 2; Requesting the user 1 to log in with the cyber credit number authentication server 5 by executing an electronic wallet; Approving login by the cyber credit number authentication server (5), The user 1 requesting payment information from the electronic wallet to the cyber credit number authentication server 5; Storing, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment information in the secure storage 7; The cyber credit number authentication server 5 transmitting the payment information to the electronic wallet; The electronic wallet automatically filling the payment information on the electronic commerce server (2) payment screen; The user 1 checking the payment information automatically filled in the payment screen of the e-commerce server 2 and requesting approval of the payment on the payment screen of the e-commerce server 2; The electronic commerce server (2) requesting the payment approval to the credit card company server (4), The credit card company server (4) requesting confirmation to the cyber credit number authentication server (5) whether the cyber credit number, such as the cyber credit number received from the e-commerce server (2), is stored in the secure storage (7); , Verifying that the cyber credit number authentication server 5 stores the cyber credit number, such as the cyber credit number received from the credit card company server 4, in the secure storage 7; The cyber credit number authentication server 5 transmitting the verification result to the credit card company server 4; Deleting, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment from the secure storage 7, The credit card company server 4 executing the internal authorization processor and transmitting the payment approval result to the e-commerce server 2; An electronic payment method comprising the step of notifying the user 1 of the payment approval result. A credit card company server (4), cyber credit, in which a user (1) having an internet communication means, an e-commerce server (2), and a cyber credit number authentication server (5) are connected to the Internet and have a dedicated network communication means. In the electronic payment method using a system in which the number authentication server 5 is connected to a private network, A user (1) accessing the cyber credit number authentication server (5) to receive an ID, a password, and a cyber credit number to register as a member; Determining, by the user 1, a desired item to be purchased by accessing the homepage of the e-commerce server 2; Requesting the user 1 to log in with the cyber credit number authentication server 5 by executing an electronic wallet; Approving login by the cyber credit number authentication server (5), The user 1 requesting payment information from the electronic wallet to the cyber credit number authentication server 5; Storing, by the cyber credit number authentication server 5, the cyber credit number of the user 1 who requested the payment information in a secure storage 7 operated by the credit card company server 4; The cyber credit number authentication server 5 transmitting the payment information to the electronic wallet; The electronic wallet automatically filling the payment information on the electronic commerce server (2) payment screen; The user 1 checking the payment information automatically filled in the payment screen of the e-commerce server 2 and requesting approval of the payment on the payment screen of the e-commerce server 2; The electronic commerce server (2) requesting the payment approval to the credit card company server (4), Checking, by the credit card company server 4, whether the cyber credit number, such as the cyber credit number received from the e-commerce server 2, is stored in the secure storage 7; Deleting, by the credit card company server (4), the cyber credit number of the user (1) who has requested a payment from the secure storage (7); The credit card company server 4 executing the internal authorization processor and transmitting the payment approval result to the e-commerce server 2; An electronic payment method comprising the step of notifying the user 1 of the payment approval result.