KR20030040577A - Electronic payment system using Internet Service Provider - Google Patents

Abstract

PURPOSE: A system for electronic payment using an ISP(Internet Service Provider) is provided to enable a customer to buy goods without inputting personal information by making the ISP generate the certification information of the customer and inform an Internet shopping mall of an approval result. CONSTITUTION: The system comprises the customer having an e-mail account(110), the Internet shopping mall(200), the ISP(300) having a price settlement approval server(310) and a customer database(320), and the Internet(400). The price settlement approval server(310) generates the certification information of the customer(100) by reading an IP(Internet Protocol) address of the customer(100) and generating an encryption value at the same time. The certification information comprises the IP address and the goods buy particulars of the customer(100), the Internet shopping mall information, and the encryption value generated by an algorithm of the price settlement approval server(310).

Description

Electronic payment system using Internet service provider

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to payment and system for electronic commerce, and in particular, after an Internet service provider for an internet shopping mall secures a consumer's credit, the purchase price of the product of the consumer is recorded on an internet service fee bill. The present invention relates to an electronic payment system using an Internet service provider that enables small payment by adding up a bill.

Electronic commerce (EC) refers to commerce via the Internet or a communication network, and it is often treated as the same meaning as electronic data exchange (EDI), which comprehensively electronicizes the preparation and exchange of documents accompanying commerce. However, in recent years, it is often referred to as commerce through the Internet, and in addition to business-to-government, consumer-government, and business-to-business transactions, commerce in which companies sell goods or provide services to general customers via the Internet has increased rapidly. Is in.

Therefore, various payment methods have been developed and used in electronic commerce.

First, by using a credit card, a consumer enters a credit card number and personal information through the Internet to make a payment. In this case, the consumer has anxiety of exposing the card number and personal information, and it is difficult to make a small payment of less than 1,000 won, which is currently widely used.

The second method is to place an order through the Internet and pay by online remittance. At this time, the consumer orders the goods on the Internet, visits the bank, deposits the bankbook, or receives the goods after completing the remittance through Home Banking, which has the disadvantage that the process is cumbersome and the processing period is long.

Third, the payment method by the personal mobile communication terminal, the consumer enters the name, resident registration number, personal mobile communication terminal number through the Internet, and receives the transaction approval number through the consumer's personal mobile communication terminal, Enter the transaction approval number received to secure the product. Although the above method is simpler than the conventional electronic commerce method and has advantages in making small payments, personal information such as the social security number and personal mobile communication terminal number of the consumer must be exposed on the Internet, and the personal mobile mobile communication is always available in the e-commerce process. There is a problem that a terminal should be provided.

Therefore, it is possible to prevent the possibility of information leakage due to the input of personal information during the e-commerce process, to make small payments easily, and to rely on a separate payment method such as a credit card, a personal mobile communication terminal, and electronic money while the consumer is connected to the Internet. There is a demand for a payment method that can be traded without.

Accordingly, in the present invention, when a consumer orders a product, the Internet service provider generates identity information for identifying the consumer and secures the credit of the consumer, and then notifies the shopping mall of the approval result to the consumer to separate The purpose is to provide an electronic payment system using an Internet service provider that can purchase goods without entering personal information.

1 is a view showing the overall configuration of an electronic payment system using an Internet service provider according to an embodiment of the present invention;

2 is a flowchart showing an electronic payment system using an Internet service provider according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100: consumer

110: email account

200: Internet shopping mall

300: Internet service provider

310: payment approval server

320: customer database

In order to achieve the above object, the electronic payment system using the Internet service provider according to the present invention comprises the steps of a) a consumer selects the electronic payment system using the Internet service provider after ordering the product in the Internet shopping mall; b) the payment approval server operated by the Internet service provider, generating the identity information of the consumer and extracting the subscriber information; c) the payment approval server evaluating the credit for the subscriber information and transmitting the transaction approval result to the Internet shopping mall; d) by the transaction approval of the payment approval server, the Internet shopping mall delivering the goods to the consumer; e) receiving, by the Internet service provider, claiming the sum of the purchase price of the product in the consumer's Internet service fee bill; And f) remitting, by the Internet service provider, the amount of money received from the purchase price of the goods received by subtracting the approval fee and the storage fee to the Internet shopping mall. Provided is a payment system consisting of.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of the electronic payment system using the Internet service provider according to the present invention will be described in detail.

1 is a view showing the overall configuration of an electronic payment system using an Internet service provider according to the present invention. 1, an electronic payment system using an Internet service provider according to the present invention includes a consumer 100 having an e-mail account 110; An internet shopping mall 200; An internet service provider 300 having a payment approval server 310 and a customer database 320 for generating consumer identity information, evaluating credit, and determining whether to approve a transaction; And the Internet 400 connecting them.

FIG. 2 is a flowchart illustrating an electronic payment system using an internet service provider according to an exemplary embodiment of the present invention. Hereinafter, the electronic payment system using the internet service provider of FIG. 1 will be described with reference to the accompanying drawings. An electronic payment system using the Internet service provider of FIG. 2 according to the present invention will be described in detail.

First, the consumer 100 accesses the Internet 400 through the Internet service provider 300, orders an item in the Internet shopping mall 200, and then uses the electronic payment system using the Internet service provider 300 as a payment method. Select (S10) to go to the payment page.

Next, the payment approval server 310 operated by the Internet service provider 300 reads the IP (Internet Protocol) address of the consumer 100 and generates a password value to generate the identity of the consumer 100. Generate identity information for identification (S11), the consumer's IP address and product purchase history; Internet shopping mall 200 information; And the cryptographic value generated separately by the algorithm of the processor owned by the payment approval server 310; It constitutes its identity information.

Looking at the process of generating a cipher value that is one of the components of the identity information as follows.

First, the password value is a total of 62 numbers, including 10 Arabic numerals 0 through 9, 26 English capital letters A through Z, and 26 English alphabet letters a through z, each with a different IP address. In the process of generating at least four digits consisting of a combination of alphabetic characters, one or more of the IP addresses secured for generating a cipher value is added to the cipher value consisting of the numerals and the alphabet.

The payment approval server 310 prevents an error from occurring in the consumer 100 having the same password value for a predetermined time by using an algorithm of the processor owned by the IP address. Internet 400 has a property that is not allowed to access. For example, if the consumer 100 has been assigned a password value of 32dgA25 from the payment approval server, the consumer 100 is in the order of 3, 2, d, g, A, 2, 5 on the payment page. (Web) Surfing. The web surfing is automatically proceeded in a hyperlinked state by the payment approval server 310, the consumer 100 is added to the record of his web surfing without the screen switching of the web browser in the payment page Has an effect.

Next, the payment approval server 310 extracts the subscriber information from the customer database 320 using the generated identity information and finds the identity of the consumer 100 (S12). If there is no matching subscriber, the payment approval server 310 notifies the Internet shopping mall 200 of the cancellation of the transaction (S13) and terminates the transaction.

In general, users of the Internet 400 surf the Internet 400 with a floating IP address or a fixed IP address assigned by the Internet service provider 300, and sometimes use a proxy server or an IP change program. There are also users of the Internet 400 who change the IP address assigned by the Internet service provider 300 or set their IP address so that it does not appear outside.

For this reason, the payment approval server 310 selects a subscriber who has access to the Internet shopping mall 200 and has a web surfing record in the order of the generated password value, and completes the search. If the real IP address provided by the service provider 300 is used, it may be used as an auxiliary means of subscriber search.

Subsequently, the payment approval server 310 checks whether the consumer 100 has applied for the electronic payment system using the Internet service provider according to the present invention as an additional service (S14). The payment approval server 310 uses the Internet service provider according to the present invention by a simple procedure such as a consent form when the consumer 100 does not apply for an electronic payment system using the Internet service provider. Allows to apply for the electronic payment system (S15). At this time, in order to enhance security, the consumer 100 may selectively apply for setting of a password necessary for payment.

The payment approval server 310 is a monthly use limit of the consumer 100; Product purchase history in the Internet shopping mall 200; And payment of Internet service fees; It is determined whether the consumer 100 has the normal payment ability with reference to the (S16). If the payment approval server 310 determines that the consumer 100 does not have the ability to pay, the Internet shopping mall 200 notifies the transaction cancellation (S13) and terminates the transaction.

On the other hand, when the payment approval server 310 determines that the consumer 100 can perform a normal payment, the Internet shopping mall 200 and the consumer 100 will be notified of the transaction approval (S17), the consumer (100) In the case of applying the electronic payment system using the Internet service provider according to the present invention as an additional service, when the payment password required for the transaction is set, the consumer 100 enters the payment password as a previous step of the final approval. It should be checked to see if it matches with. In addition, the payment approval server 310 transmits the transaction history to the e-mail account 110 provided by the Internet service provider 300 to the consumer 100 after the transaction approval.

The Internet shopping mall 200 delivers the purchased goods to the consumer 100 in accordance with the notification of the transaction approval from the payment approval server 310 (S18).

On the other hand, when the transaction approval of the payment approval server 310, the Internet service provider 300 when receiving a monthly Internet service fee bill to the consumer 100, sums up the purchase price of the product as an additional item and then receives it (S19).

The Internet service provider 300 transfers the amount of the purchase price of the received consumer 100 to the Internet shopping mall 200 by subtracting the approval fee and the storage fee (S20) to terminate the payment process.

As described above, according to the present invention, the consumer who accesses the Internet shopping mall with the approval of the payment approval server is inconvenient to have an additional payment means such as anxiety caused by the input of personal information and a credit card or a personal mobile communication terminal. It is possible to purchase goods or contents without any purchase, and the Internet shopping mall can increase sales without burden of paying for the sale of goods, and the Internet service provider generates additional profits by collecting approval fees and storage fees. It has the effect of spreading and activating e-commerce.

Claims (9)

a) a consumer selecting an electronic payment system using an internet service provider as a payment method after ordering a product in an internet shopping mall; b) the payment approval server operated by the Internet service provider, generating identification information of the consumer and extracting subscriber information; c) the payment approval server evaluating the credit for the subscriber information and transmitting the transaction approval result to the Internet shopping mall; d) by the transaction approval of the payment approval server, the Internet shopping mall delivering the goods to the consumer; e) receiving, by the Internet service provider, adding and claiming a product purchase price to the consumer's Internet service fee bill; And f) the internet service provider remitting the amount of money received by subtracting an approval fee and a storage fee from the purchase price of the product to the internet shopping mall; Electronic payment system using an Internet service provider, characterized in that it comprises a. The method of claim 1, wherein b) The payment approval server reads the IP address of the consumer and generates a cipher value to generate the identity information of the consumer, the customer's IP address and the purchase history of the product purchased by the consumer in the Internet shopping mall; Information of the Internet shopping mall; A password value generated by the payment approval server; Electronic payment system using an Internet service provider, characterized in that for configuring the identity information, including. The method of claim 2, The cipher value is a total of 62 numbers and letters including 10 Arabic numerals 0 to 9, 26 English alphabets from A to Z and 26 English alphabets from a to z with different IP addresses. In the process of generating at least four digits consisting of a combination of the two, the Internet service providing, characterized in that the final generated by adding one or more of the plurality of IP addresses secured for generating a password value to the password value consisting of the number and the English Electronic payment system using operators. The method of claim 2 or 3, The payment approval server assigns a password value to the consumer so that the web surfing of the consumer proceeds automatically in a hyperlinked state and records the web surfing of the consumer without switching the web browser on the billing page. Electronic payment system using an Internet service provider, characterized in that it can be added to. The method of claim 1, wherein b) The payment approval server uses the identification information generated by the payment approval server to access the Internet shopping mall subscribers who have access to the Internet shopping mall in the order of the password value generated by the payment approval server. Electronic payment system using an Internet service provider, characterized in that to complete the search by extracting. The method of claim 1, wherein b) The payment approval server uses the IP address of the consumer as an auxiliary search means when the consumer uses the real IP address in the process of searching for the identity of the consumer using the generated identity information. Electronic payment system using Internet service providers. The method of claim 1, wherein step c) The payment approval server may include the step of applying for the electronic payment system using the Internet service provider when the consumer does not apply for the electronic payment system using the Internet service provider as an additional service. Electronic payment system using an Internet service provider. The method of claim 7, wherein The payment approval server further comprises the step of applying for the setting of the password when the consumer wants to set the password required for payment for the purpose of strengthening the security electronic payment system using an Internet service provider . The method of claim 1, wherein step c) In the process of approving the transaction of the product ordered by the consumer in the Internet shopping mall, the payment approval server causes the consumer to input a password in the payment page when the consumer sets a password for payment. Electronic payment system using an Internet service provider, characterized in that determining whether the transaction is approved by determining whether one password is equal to the set password.