KR20030029256A - Apparatus for settling accounts in internet by using on-off line card and method for using the same - Google Patents

Abstract

PURPOSE: A device for settling an expense on the Internet by using an on/offline card and a using method thereof are provided to settle the expense on the Internet using the user's computer by forming a data part in the on/offline card and to systematically manage various kinds of information of an on/offline card user through the data part. CONSTITUTION: The device comprises an interface outputting settlement information and various kinds of information to a financial organization server, a server processing approval, output or download for the data received from the interface(10), and a database server(40) storing a file for various kinds of data outputted from the server(30). The interface(10) comprises a card checker or an ATM(Automatic Teller Machine) terminal. The server(30) includes a program for controlling a function to process the data in the database server(40). The database server(40) comprises a content database(42) storing the data for the user's credit, a sales scale and an option for a special certification, a price database(43) storing the information for a sales amount generated by a user at a sales company, a personal information database(44), and a management database(45).

Description

Device for making payment on the internet using on-line card and method of using the same {APPARATUS FOR SETTLING ACCOUNTS IN INTERNET BY USING ON-OFF LINE CARD AND METHOD FOR USING THE SAME}

The present invention relates to an on-offline card, and more particularly, an apparatus for making a payment on the internet by using an on-off-line card that can be used for on-line or off-line card to make a payment or transfer a deposit. It is about how to use it.

Commonly used cards include BC and Visa cards depending on the company, but these cards are simply required for payment when the user makes a payment through a card terminal or finds or deposits a deposit through an ATM terminal of a financial institution. Or, it is necessary only when depositing and withdrawing deposits, there was a problem that can not process any cost payment and data with the Internet, which has recently increased rapidly.

In addition, a number of cards have been developed to solve the problem of such a simple card, but these cards are also formed to be processed wirelessly or embedded in a separate IC chip, but such cards also fit the purpose It may be suitable for the field, but it is difficult to replace a large number of cards carried by modern people with a single card.

In addition, since the existing CD does not have a copy protection function, it can be directly copied using a CD writer (CD-WRITER). Therefore, there is a problem that the importance of the important data is lost as a storage medium.

In order to solve the above problems, the present applicant has already applied for a number of applications. First, an on-offline card that can be used for payment through online and offline applications has been filed (10-2001-53922, application date 2001.9.3). And a device and a method using the same "and a" application method of auctioning authentication keys through the Internet and providing information using the MDB "and a patent application (10-2001-54871, filed date of application date 2001.9.6), and a patent application (10- 2001-54566, filed date 2001.9.5, filed a patent application for "AV recording medium that can be accessed on / off line with dual serial keys."

The present invention relates to a device for making a payment in the Internet using the on-off-line card for solving the above problems, and a method of using the same, in recent years to form a separate data unit on the off-line card due to the spread of the Internet. The present invention provides an apparatus for making a payment on the Internet using an on-offline card that allows payment through a computer and a method of using the same.

In addition, an apparatus for making a payment on the Internet using the on-offline card of the present invention and a method of using the same include an on-offline card capable of systematically managing various information on the on-offline card user through a data unit formed in the on-offline card. It is to provide a method of making a payment on the Internet by using.

In addition, unlike the other media, the on-line card has a very big feature that can be linked to the Internet, and with the secure ID (Copyright Recognition) built in the on-line card, when you go online, you can use the user's website with the user's authentication. Direct access is available, and by using Secure ID, record labels / planners / distributors use the data mining through the online database (consumer purchase tendency by age / music genre, etc.) and the total CRM (customer relationship) of the record industry. Management) TOOL, multimedia content (music video / artist-related data / performance information, etc.) as well as simple music can be recorded on the offline card by default, and is always updated on the Internet using the Secure ID Can enjoy information.

In addition, the present invention forms a two ID that can recognize the user on the on-line card by using the on-line card to prevent other people to acquire the on-line card to be used at the time of duplication, such as the device for payment on the Internet and It is to provide a method of using the same.

In addition, the apparatus for making a payment through the on-offline of the present invention, the user inputs a variety of data about the user photo or fingerprint, voice or eyes, etc. in the data portion of the on-line card to the user when the other person uses the on-line card The present invention provides a device for making a payment on the Internet using an on-offline card that can prevent the use of another person while the photo is output, and a method of using the same.

An apparatus for making a payment on the Internet using the on-offline card of the present invention for solving the above problems is an interface unit 10 which outputs the user's payment contents or various information to a server in a financial period offline. ), A server unit 30 which receives data output from the interface 10 and processes it to approve, output or download related data, and stores files related to various data output from the server unit 30. In the device that can be paid for the cost through the on-off line composed of the database server 40,

The interface unit 10 is configured as a card payer or ATM terminal that is a communication device including a conventional modem or ASDL, ISDN, LAN, etc. to transmit and receive data,

The server unit 30 includes a program for controlling functions such as storing, processing, deleting, and outputting data of the database server.

In addition, the content database 42 of the database server 40 stores data on the user's creditworthiness, sales volume, and options for the special certification selected in advance by the user, and the price database 43 stores the user at the vendor. The information on the amount of revenue generated is stored, and the personal information database 44 includes information on addresses, contacts, businesses, etc. for the sellers, ad requesters and users, and the head office, or the user can use the on-line card 100. The ID and password are stored for use, and the management database (45) handles all the work on the relationship with all business managers, users, financial institutions, advertisement requestors and the head office, and tracks and manages the progress. It is characterized by being configured.

And the present invention if the user wants to pay after inserting the on-line card 100 in the computer after checking the double authentication key and password stored in the on-off-line card 100 and confirm the authentication from the financial institution The normal authentication phase,

In the above step, if the user requires a special authentication according to the content set in advance to perform a special authentication procedure to pay the costs, etc .;

Sending related data when sending data such as business cards to customers or the like without performing payment;

It is characterized in that it comprises a step of outputting or transmitting the audio data, video data and various information about the user stored in the on-line card 100.

1 is an overall block diagram applied to a method for making a payment on the Internet using the on-line card of the present invention,

2 is a block diagram of a related device in which the present invention operates.

3 is a flowchart of a state in which the present invention is operated;

Figure 4 is a perspective view of an embodiment of an on-line card,

Figure 5 is a rear view of the on-line card of the present invention,

6 is a cross-sectional view of the on-line card,

7 is a structure having a dual illegal prevention function on the on-line card of the present invention,

<Description of the symbols for the main parts of the drawings>

10: interface unit 20: web browser

30: server unit 40: database server

42: Content Database 43: Price Database

44: personal information database 45: management database

100: offline card 110: first card member

112: magnetic recognition unit 114: card recognition unit

118: barcode recognition unit 120: financial institution logo

122: signature portion 123: outer bend portion

126: inner support 127: outer support

128: inner bent portion 130: through hole

132: bonding means 150: second card member

154: first data storage unit 156: second data storage unit

158: third data storage section 159: inner data bending section

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment according to the apparatus for making a payment and the like in the Internet using the on-line card of the present invention and the method of using the same.

1 is a schematic diagram applied to a method for making a payment through online or offline according to the present invention. When this is explained, an approval is made and a user is charged or a user is charged if a user wants to pay a fee through a card terminal and a computer. When you deposit or withdraw deposits or perform other related work, you approve and manage approvals, and you charge bills for the money you use; The company manager providing the user, the user paying the financial institution when the goods are purchased or the service is received using the on-line card 100, and the user uses the on-line card 100 through the website of the Internet. If you use the headquarters to manage the relevant website, the headquarters on-line card (100) It consists of equipment of the crude card manufacturer and the user and the financial institution and payment card that connects the head office-based computer or device, such as delivery to ATM.

The financial institution has a broad meaning including a card company, a bank, and a securities company. For example, the A bank may issue an on-line card 100, or a card company may issue and manage an on-line card 100. It can be.

In addition, financial institutions can select options according to the user's choice. For example, when sending or withdrawing more than 20 million won, additional options may be added. Therefore, by storing data about the fingerprint or data of the user's voice signal, it is possible to prevent an accident during additional authentication if necessary.

In the above, the card payment device can use various card payment devices that have been used in the past. The ATM and the terminal also match the thickness and width of the on-line card 100 so as to be compatible with the existing cases, and the computer must be used in general. It does not mean only a computer that is, it is possible to be a simple equipment that can be displayed (information) information data and photos of the user connected to the Internet and input to the on-line card (100).

In addition, the advertisement requester can enter the contents of the advertisement for his / her company on the website operated by the head office or a financial institution, and make a certain contract at a cost thereof.

That is, when a user connects to the Internet for payment through a computer, the advertisement requester is automatically connected to the homepage operated by the financial institution or the head office's website, and then the advertisement requestor's advertisement is displayed on the financial institution or the head office's homepage. You can post the contents together.

In addition, when a consumer buys or receives a service at a general store, the customer pays a cash or card payment fee to the company's manager. In this case, the online and offline card 100 is used to pay by using a credit card or a computer. You can do it.

As such, when a user who is a consumer makes a payment, the company manager may charge a fee from a financial institution even if the payment is made by a computer, such as an existing card payment machine.

When a user makes a payment, the financial institution can grasp the data on the payment contents of the user automatically through the Internet or through a card payment machine, and based on such data, classified by week, month, year, company and age. You can make a new sales strategy by giving statistics.

On the other hand, when the payment is made through the website of the Internet, the head office can grasp the purchase information about the user as with the financial institution.In this case, the approval of the payment can be made only by the financial institution. Claims and expenses can, of course, only be done by financial institutions.

That is, the head office or a financial institution can operate the website for the online or offline card 100 of the present invention, and as described above, when the head office operates the relevant website, the head office is authorized to authenticate the costs, etc. It can only run a website where users can make payments with financial institutions through the website.

2 is a device when a user makes a payment through the Internet through a computer or the user wants to grasp relevant data, and is a block diagram of the configuration of the device of the present invention, and refers to a financial institution, an advertisement requester, a consumer (or a user). The interface unit 10 for outputting the information, for example, the user's payment or various information, sent to the server during the financial period, and the data output from the interface 10 to be displayed on a computer monitor. A server unit 30 for processing a web browser 20 and outputting or downloading related data when a user or a financial institution selects various data output from the web browser 20, and outputs from the server unit 30; It consists of a database server 40 which stores a file relating to various kinds of data.

The interface unit 10 is a computer or mobile phone, which is a communication device including a conventional modem or ASDL, ISDN, LAN, etc. to transmit and receive data, a keyboard, a mouse and a monitor for inputting and outputting data, and a voice. Speakers and microphones for input and output, related software for computers, office software for driving computers, and execution software for executing browser functions.

The server unit 30 includes a web server for transmitting relevant data of a user or a financial institution, an FTP having a protocol for file transfer, a mail server for executing a mail service, and a domain name for storing address information of each server. A service server and an ASP program for controlling functions such as storing, processing, deleting, and outputting data of the database server.

In addition, the database server 40 is composed of a plurality of field-specific databases, first, the content database 42 stores data on creditworthiness, sales volume, etc. for the user, and the price database 43 generates user sales. The information on the amount is stored, and the personal information database 44 stores the address, contact information about the seller, the advertisement requester and the user and the head office, or the information about the business or the user to use the offline card 100. ID and password are stored, and it consists of a management database (45) that handles all the work on the relationship with all business managers, users, financial institutions, advertisement requestors and the head office, and tracks and manages the progress. .

3 is a flowchart illustrating a method for making a payment through online or offline according to the present invention, which is used when a user wants to make a payment or withdrawal using a on / offline card 100. Booting the computer (S120), inserting the on-offline card 100 into the computer after booting the computer (S104), and inserting the on-offline card 100 into the computer automatically to a relevant website. Step S106 is moved to, and after performing the step (S106) to determine whether to pay or perform other tasks (S108), and after performing the step (S108) When the data is automatically sent to the financial institution of the various authentication keys stored in the double on the on-line card 100, the financial institution determines whether such data match If the data (S112) and the data after the step (S112) is matched to determine whether the password is matched by entering the user's password (S114), and after performing the step (S114) password If the same is true, it is determined whether to pay in the usual way or in a special way, and then perform the next step when paying in the usual way (S116). After performing step S116, if the related data match, step S118 of the financial institution is authenticated, and if the authentication is performed in step S118, the company manager providing the service to be processed by the user. It is configured to process (S120).

And in the step (S116) is not a normal authentication method, for example, if the cost payment is more than the amount (for example, 20 million won) set in advance in the financial institution, or always only after selecting a special authentication method in all cases When such a situation occurs, or when the user occurs according to the contents of the various options, the payment is processed only when a special authentication method is automatically performed, so that the step (S122) to secure the stability can be performed. When the authentication is confirmed, the next step (S118), which is the next step, is to handle the cost normally.

In this case, if the specific process of performing the step (S122) is described, the user first depends on the option selected by the financial institution. For example, if only the fingerprint is used to check the fingerprint recognition mouse that is being used recently, etc. By recognizing the designated fingerprint by using the fingerprint data registered in advance to the financial institution and the fingerprint data sent by the user is analyzed and matched, the final payment is authenticated.

In addition, if photo authentication is selected as a special specification instead of fingerprint authentication, when a photo is recently sent through a camera installed on a computer, the approval is finally made in comparison with the photo data previously stored in a financial institution. will be.

In addition to the above options, by inputting information about the eyes of the user, the data can be transmitted through a camera installed in a computer, and compared with data previously stored in a financial institution to determine whether the authentication is performed.

In the above case, there is a problem in that the user must purchase the equipment separately, but in the case of using the voice data as a special option, the user transmits data such as voice data previously recorded in a financial institution through a microphone, By comparing the data, it is determined whether to be authenticated.

And while the above-described content is described as a special certification for only one, but more importantly, the special certification may be two items, for example, a picture, a voice and a fingerprint.

If it is determined that the user transfers the business card data, the user performs the following steps (S130) and the step (S130). If you want to perform the business card data in the step of transmitting a plurality of card-related data stored in advance to the customer in need (S132), and in the case (S130) is not the case to transfer the business card data It is composed of a step (S134) that can grasp the data, such as various personal information stored in the on-line card 100 or automatically send the information required when subscribing to other website companies.

That is, the step (S134) is not the case for the user to pay, so if you carry on-line card 100 and want to sign up as a member of another website of the Internet, already on the on-line card 100 Basic information about the stored user, for example, name (Hangul, English, Chinese), address, social security number, date of birth, family, etc. is selected when the user is automatically sent to the website to sign up, so the user There is no need to enter data unnecessarily.

However, data that is not transmitted above, such as a job, a hobby, a field of interest, or the like, requires a user to directly input a secret or changeable data.

And 4 to 7 is a structure for the on-offline card 100 used in the present invention, the on-offline card 100 is an on-offline combined card that is formed so that the CD is configured in the existing credit card (CARD) On the back of the on-off-line card 100, as shown in Figure 5, is formed on one side of the on-off-line card 100 is formed of a flexible (flexible) material, on one side of the card number, A first card member 110 having contents such as a user name, an expiration date, and a magnetic part storing various data is formed on one side of the first card member 110, and various information about the user. The second card member 150 is stored in the form of a CD or DVD, and the bonding means 132 for binding the first card member 110 and the second card member 150.

In addition, the first card member 110 includes a through hole 130 formed at the center of the card body 120 constituting the on-line card 100 and formed to be bound to the CD driver. The magnetic recognition unit 112 is formed on the lower end of the hole 130, the information is stored by the magnetic for use in a card payment machine or ATM terminal, and formed on the upper side of the magnetic recognition unit 112, the user's own handwriting A signature unit 122 that is formed to prevent use by others by signing, a financial institution logo 120 that is formed on top of the signature unit 122, and is printed with a symbol mark or name of each card company, and the magnetic The card recognition unit 114 is formed on the upper left side of the recognition unit 112 and prints the card number, the card usage period, and the user name for the on-off-line card 100. Is capable of forming a bar code recognition section 118 separately.

In addition, as shown in FIG. 4, the second card member 150 is formed in a conventional CD form to be driven by a CD driver.

That is, the data is stored in the form of a barcode on the transparent portion 152 is formed transparently on the outer surface of the through-hole 130 formed in the central portion of the on-off-line card 100 and the outer peripheral surface of the transparent portion 152 A first data storage unit 154 and a second data storage unit 156 formed on an outer circumferential surface of the first data storage unit 154 and storing more data than the first data storage unit 154. It is.

In the first data storage unit 154 and the second data storage unit 156, a complementary device is formed to double check the ID of the on-offline card 100, that is, the first data storage unit 154. Barcode ID formed in itself and ID (authentication key) is stored in the data file of the second data storage unit 156, so that only if they match, the financial institution recognizes it and authenticates it. On-line offline card 100 will be able to prevent the source replication.

The on-offline card may be configured in the form of a conventional CD type or in the form of a DVD type.

As described above, a device for making a payment on the Internet using the on-offline card of the present invention and a method of using the same are formed as on-offline cards that can be used on-offline, and as in the usual off-line, It is possible to access deposits and withdrawals, etc. by accessing the ATM terminal of the bank, and to process the costs at the card payment machine when purchasing the goods. Especially in computers and similar devices, the online and offline cards are inserted into the CD driver. It is possible to process by paying the fees online by accessing the web site, and by additionally printing out the user's photos and fingerprints when paying the bills, and by using them by others, by default. Insert your online or offline card to access your favorite internet site It is possible to easily transfer the data for itself, and in order to prevent illegal copying of the on-offline card, a plurality of ID checking systems are formed in the first data storage unit and the second data storage unit to prevent illegal copying. Invention.

Claims (10)

The interface unit 10 which outputs the user's payment contents or various information to the server during the financial period and the data output from the interface 10 are received and processed to approve or output or download related data. In the device that can be paid for the cost and the like through the on-off line composed of the server unit 30 and the database server 40 that stores files relating to the various data output from the server unit 30, The interface unit 10 is configured as a card payer or ATM terminal that is a communication device including a conventional modem or ASDL, ISDN, LAN, etc. to transmit and receive data, The server unit 30 includes a program for controlling functions such as storing, processing, deleting, and outputting data of the database server. In addition, the content database 42 of the database server 40 stores data on the user's creditworthiness, sales volume, and options for the special certification selected in advance by the user, and the price database 43 stores the user at the vendor. The information on the amount of revenue generated is stored, and the personal information database 44 includes information on addresses, contacts, businesses, etc. for the sellers, ad requesters and users, and the head office, or the user can use the on-line card 100. ID and password are stored for use, and it consists of a management database (45) that handles all work on the relationship with all business managers, users, financial institutions, advertisement requestors and headquarters, and monitors and manages the progress. This is a chapter for making a payment on the Internet using an online or offline card. Chi. The apparatus of claim 1, wherein the contents of the option are stored together with the user's fingerprint or the user's photo or voice data. If the user wants to pay after inserting the on-line card 100 into the computer, the normal authentication step of confirming the authentication from the financial institution after confirming the authentication key stored in the on-off-line card 100, etc. Wow, In the above step, if the user requires a special authentication according to the content set in advance to perform a special authentication procedure to pay the costs, etc .; Sending related data when sending data such as business cards to customers or the like without performing payment; Outputting or transmitting audio data, video data and various information about the user stored in the on-line card 100 using the on-off-line card, the method of making a payment on the Internet . The method of claim 3, wherein the special authentication step (S122), if the fingerprint is to confirm only the fingerprint data registered in advance in the financial institution and the fingerprint data transmitted by the user to match the final payment for authentication, etc. Method of making a payment on the Internet using an on-line card, characterized in that the. [4] The method of claim 3, wherein the special authentication can be performed with a picture, a voice signal, or data on the eyes. The method of claim 3, wherein the transmitting of the related data such as audio and video is performed by grasping the data such as music files and various personal information selected by the user or by selecting information required when registering as a member of another website company. How to pay the costs on the Internet using an on-offline card, characterized in that can be sent. The method of claim 3, wherein in the step of authenticating, the network is configured to operate only when the two authentication keys (ID) of the on-line card 100 are checked and matched. How to make payments. [4] The method of claim 3, wherein the on-offline card is configured in the form of a CD type or in the form of a DVD type. 4. The method of claim 3, wherein the video of the online card is in the MPEG4 format. According to claim 3, wherein the application content of the on-off-line card using the on-off-line card, characterized in that it is configured in a language that can be operated in both Windows compatible, MAC, OS, Linux to run on both IBM compatible models and MAC, dedicated players How to make a payment on the Internet.