KR20030090927A - The electronic payment system and method of operation using the avata - Google Patents

Abstract

PURPOSE: An electronic payment system using an avatar and an applying method thereof are provided to prevent an exposure of personal information by enabling a user to store information as an encryption key in an avatar, thereby keeping credit information or personal information of a consumer. CONSTITUTION: An avatar having an encryption key is downloaded in a mobile communication terminal, and an avatar client program of an avatar image is installed(S11,S12,S13). An avatar image of the installed avatar is displayed on a background screen of the mobile communication terminal and an avatar client is installed in the mobile communication terminal. When a user purchases a commodity and uses a service in an Internet store using the mobile communication terminal, if the user selects an avatar payment(S14,S15), an avatar payment service window is opened. If an inherent number and a password of the avatar are inputted(S16), the avatar client connects to a payment server through a payment gateway using an avatar encryption key and executes a payment(S17). The result is displayed on the mobile communication terminal(S20).

Description

The electronic payment system and method of operation using the avata}

The present invention relates to an electronic payment system and method using an avatar on the Internet. In detail, the payment method of electronic commerce in mobile communication terminals and computers has been developed in six stages.

In the first step, orders are made via the Internet, and payment is made outside the Internet. In other words, consumers order goods through the Internet and go to banks to make unpaid deposits. However, the processing time is long until the transaction is completed, so the benefits of Internet commerce cannot be maximized.

The second step is a method of transmitting and receiving credit information such as a credit card number, an expiration date or a password through the Internet without security. However, since messages exchanged between senders and receivers on the Internet through a credit card payment without security devices, on average, pass through about 10 computers, there is a risk of information being stolen by hackers in the middle of the network. Even in this case, it is difficult to confirm whether the seller and the buyer are legitimate users, and the security of Internet commerce is not maintained.

The third step is a payment method by credit card and electronic check using cryptography. Many merchant-oriented Internet stores (shopping malls) now adopt this payment method. Crypto-based credit card payment is a seller-centered payment system that often does not provide a mechanism to systematically prevent problems such as sellers 'false billing and buyers' refusal to pay. In addition, when a consumer makes a deal with multiple sellers, the interface may be different for each seller, which may cause inconvenience. In addition, commoditized information and knowledge (for example, news, financial information, papers, etc.), which are one of the important trading areas of Internet commerce, are small transactions ranging from a few hundred won to several thousand won. The disadvantage is that the cost is too high

The fourth step is a payment system by a broker who is a trusted third party. It is a payment system by a trusted third party that acts as an intermediary between the seller and the consumer as a solution to the problem of the seller-centered payment method.

This system registers mobile terminal and credit card number and payment password in advance and uses mobile terminal payment and credit card internet security payment. Consumers can deal with sellers through trusted third parties, thereby protecting their privacy. Currently, SET (Secure electronic transaction), co-developed by Visa and MasterCard, is becoming the standard for secure payments for credit cards.

The fifth step is payment by electronic money. A reliable payment system is a prerequisite for Internet commerce to be widely accepted by consumers, sellers and other users to make it safe and convenient. The electronic money payment method is an IC card type that is used only in a computer network and is used in both face-to-face and electronic commerce. There are Mondex and Visa Cash.

The sixth step is a mobile payment method. There are two major mobile payment methods. One is to use a mobile phone as if it is a wallet, and use the IC chip embedded in the mobile phone to store credit card information and transmit it wirelessly (RF or Brutus) to merchant terminals. Another option is to use a mobile phone to access an internet store from afar and make purchases and payments, in which case the credit card information embedded in the mobile phone chip is transmitted over the air to complete the payment.

At this time, there is a problem of user authentication. In addition, mobile communication terminals with integrated IC chips are too expensive and time-consuming to spread. In addition, there is a problem in that an expensive wireless payment approval terminal must be distributed to an affiliate store.

The bigger problem is that as international standards change, IC chips and protocols need to be upgraded, resulting in astronomical costs.

It is desired to present a method which can solve the above-mentioned problems.

The present invention is to solve such a problem, an object of the present invention is to prevent the exposure of personal information by storing the user's credit information or personal information by storing the information as an encryption key in the avatar.

Another object of the present invention is to secure the consumer's payment information, the financial company, the consumer is anonymized in electronic commerce by performing electronic payment payment to the avatar's payment account after authentication of the member with the avatar's encryption key previously set by the individual This can prevent the disclosure of personal credit information.

Yet another object of the present invention is to provide consumers with economical information by requesting payment approval from the mobile communication terminal of an affiliated store by wirelessly combining the avatar client installed in the mobile communication terminal with an IC chip, wireless (RF) and Brutus. It is intended to prevent damage and to be used not only for e-commerce but also for general offline merchants. In addition, the avatar connects to the customer management server, transmits and receives information data, and is displayed by the avatar client for convenience of use.

1 is a block diagram of a payment settlement system using the avatar of the present invention.

2 is a logical configuration diagram of a payment settlement system in which a user uses the avatar of the present invention.

3 is an overall flowchart of a payment settlement system using an avatar.

4 is a flowchart in which a user uses a payment service using an avatar of the present invention in a mobile communication terminal.

5 is a flowchart in which a user uses a payment settlement service using an avatar of the present invention in a computer.

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

10: mobile communication terminal 60: avatar image server

20: Computer 70: Internet Stores

30: Avatar Merchant Terminal 80: Payment Payment Gateway

40: mobile communication WAP / WIP gateway 90: payment payment server

50: WAP / WIP Server 100: Member Management Server

The service configuration of the electronic payment system using the avatar according to the present invention includes an avatar member management server, an image server for creating and storing an avatar, an image encryption server for inputting encryption data into an avatar, an avatar client installed in a mobile communication terminal, and a computer. It consists of a WAP / WIP gateway, WAP / WIP server, payment gateway server, and payment server of the mobile communication terminal.

When the user enters a password by pressing a function key, the avatar client installed on the mobile terminal accesses the WAP / WIP gateway and WAP / WIP server with the avatar's unique number and encryption key to access the payment payment server to process the user's payment approval. After completion, the approval result is transmitted to the mobile communication terminal.

Upon receiving the payment approval data, the avatar client is decoded to display the approval number and code on the avatar image. This approval number and code are scanned by a general merchant's terminal, a receipt is printed out, and a payment is completed. When a user purchases a product in an internet store using a mobile communication terminal or selects an avatar payment method as a payment method when using a service, a payment window appears. When the user enters a unique number and password displayed on the mobile terminal in the payment window, the payment of the internet store occurs. When Tx receives the approval processing data after accessing the payment settlement server and processing the approval, the result is displayed on the mobile communication terminal. In addition, if the user selects Avatar Payment as a payment method when purchasing a product from the Internet store or using a service on the computer, the Avatar Payment Service window is displayed. When the user enters the avatar's unique number and password in the window, the payment result is the payment Tx, After the payment processing gateway accesses the payment payment server and performs the approval process, the payment Tx of the Internet store receives the approval data, processes the payment result, and displays the result on the user's computer.

The avatar client installed in the mobile communication terminal and the computer accesses the member management server to receive the information data, and the avatar client checks the top image of the avatar and outputs the data information.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The configuration of the system for this may be implemented as shown in Figure 1, the payment system using the avatar is the member management server 100, avatar image server 60, image encryption system 63, mobile communication terminal avatar client 10 ), The avatar client 20 for a computer, the mobile communication WAP / WIP gateway 40, the mobile communication WAP / WIP server 50, the computer payment gateway server 80, the payment settlement server 90, the merchant's avatar terminal, and It consists of a scanner (30).

After registration, after inputting the unique number and access password of the avatar, an encryption key is generated by the encryption algorithm 64 and the image encryption system 63 and encoded in the avatar 61 to store the avatar 62.

Press the browser or function key of the mobile communication terminal 10 to access the avatar image server and call the avatar stored in the avatar image server 60. After authentication, the number of the mobile communication terminal is transmitted to the mobile communication terminal 10 for installation or storage. do. In addition, it downloads and installs after accessing the computer 20 through a web browser.

After installing the avatar and pressing a function key and entering the access password, the encrypted unique number is decoded and the unique number and code of the avatar are displayed on the image 11 of the avatar client.

Scan the unique number and code of the avatar displayed on the mobile communication terminal to the avatar affiliate terminal 30 to access the payment settlement server 90 through a general telephone network or an internet network to approve payment when the approval process is completed.

In addition, when a user selects an avatar payment as a payment method when purchasing a product and using a service in the Internet store 70 in the mobile communication terminal 10 and the computer 20, a payment service window is opened. When the payment program Tx 70 of the client program and the Internet store connects to the payment server 90 and processes the approval, the avatar client and payment Tx process the result and display the result in the payment service window. Is done.

2 is a logical diagram of an electronic payment settlement system using an avatar according to an embodiment of the present invention.

As shown in FIG. 2, the avatar client 11 installed in the mobile communication terminal 10 is connected to an avatar image server and a member management server via a WAP / WIP gateway and a WAP / WIP server in a mobile communication network.

The mobile communication terminal 10 and the payment settlement server 90 are connected to the mobile communication network.

The avatar client 21 installed in the computer 20 includes a network interface card (NIC) 23, which is a physical means for connecting to a network, an avatar client socket program 22, which is a program for establishing a communication path with a server, and payment settlement. Connect to gateway 80 and payment server 90.

When the general merchant presents the unique number and code of the avatar of the mobile communication terminal, the network scans the merchant terminal 30 to demodulate and transmit / receive the data to / from the network using a modem and a network interface card (NIC) of the terminal. A layered, client socket is a program that establishes and maintains a connection to a payment server.

3 is an example of an overall flowchart of a payment settlement system in a mobile communication terminal and a computer utilizing the avatar of FIG.

The user accesses the member management server (S61) to register (S63), accesses the avatar image server (S66), selects the avatar (S67), and inputs the avatar's unique number and password (S68) to encrypt the encryption algorithm. An avatar having an encryption key is generated by the system, and the avatar client having the avatar image is stored in the server (S70).

Then, the member accesses the image server through the mobile communication terminal and the computer, downloads and installs the mobile communication terminal and the computer (S72, S76). The avatar client is executed on the installed mobile communication terminal and the computer to use the payment settlement system.

4 is an example of a flowchart of a payment settlement service using an avatar in the mobile communication terminal of FIG. 4.

The mobile communication terminal (S11) downloads the avatar with the embedded encryption key (S12) and installs the avatar client (S13) program of the avatar image. The installed avatar not only displays an avatar image on the desktop of the mobile communication terminal, but also installs an avatar client in the mobile communication terminal.

When the user selects the avatar payment (S15) as a payment method at the time of purchase of goods and service use in the Internet store using the mobile communication terminal (S14), the avatar payment service window is opened, and when the user inputs the avatar's unique number and password (S16) The avatar client accesses the payment settlement gateway via the payment encryption gateway S17 using the avatar encryption key S17 to process the payment, and the result is displayed on the screen S20 on the mobile communication terminal.

5 illustrates an example of using a payment settlement service using an avatar in the computer.

When you use the computer on the Internet, run the Avatar Client (S31), and select Pay as Avatar (S33). The Avatar Payment Service window (S34) is displayed.

When the avatar's unique number and password (S35) are input, the client program of the avatar has an encryption key and is connected to a payment server through a payment gateway (S36) to perform a payment process, and the result is paid to the user's computer. It is displayed in the Services window (S37).

The present invention can be configured as configured in the above-described embodiment, it may be modified in accordance with the technical spirit of the present specification.

According to the avatar electronic payment method of the present invention

First, mobile terminal and computer users can use it freely in various environments in wired internet, wireless internet and offline.

Second, it satisfies the cash payment needs of members and handles the most securely among existing payment services.

Third, we provide a wired / wireless offline integrated payment environment.

Fourth, the credit information is stored on the IC card in the mobile communication terminal, but the avatar payment payment system has the corresponding credit information on the avatar by the encryption algorithm, thereby reducing the cost for the technical upgrade.

Fifth, it is possible to provide a service by connecting avatar credit information with a mobile wireless payment system (IrFM). In the future, Avatar, a virtual being, will be able to consult, make transactions, check payments, and confirm delivery with robot functions. It is also a system that supplements or ultimately replaces the problems of the payment system of the current IC chip embedded mobile communication terminal.

Claims (14)

A step of generating an avatar with an encryption key by using an encryption system of an encryption algorithm and storing the avatar in an image server when the user registers as a member and inputs a unique number and an access number; Step 2 of accessing the payment settlement server through the WAP / WIP gateway and the WAP / WIP server from the avatar client installed in the mobile communication terminal; Connecting to a payment gateway from a computer-enabled avatar client to access a payment server; Pressing a function key on a mobile communication terminal and a computer and inputting a password, decoding the encryption key of the avatar client and displaying the unique number and code on the avatar; A fifth step in which the avatar client accesses a payment server and receives a payment approval number by inputting an affiliated store and an amount in the payment mode of the avatar client in the mobile communication terminal and the computer; Step 6 when the payment is completed by selecting the avatar payment method when purchasing the Internet goods and services in the mobile communication terminal by entering the avatar unique number and password in the avatar payment window; Selecting an avatar payment method when purchasing internet goods and using a service on a computer, and inputting a unique number and password of the avatar in the avatar payment window to complete the payment; Step 8, the member scans the unique number and code of the avatar with the merchant reader at the merchant to access the payment server to process the payment approval; Inserting an advertisement into the avatar at the advertisement server to display the advertisement on the image of the avatar client of the mobile communication terminal and the computer; 10, the avatar client of the mobile communication terminal combines the IC chip of the mobile communication terminal and the avatar to display various information and customer service on the avatar image and use the electronic payment system; An eleventh step in which an avatar client of a mobile communication terminal approves payment at an affiliated terminal's avatar terminal in association with RF and Brutus; 12 steps in which the avatar client program installed in the mobile communication terminal and the computer is transformed into a variety of images and nurtured; A thirteenth step of installing a robot module in the avatar installed in the mobile communication terminal and the computer to display various information (information search, purchase counseling, map display, fortune telling); In claim 1, The first step is to generate the encryption key and code by using the encryption algorithm and the unique number and password of the avatar irregularly generated pixel by pixel by the encryption system to change the position to generate the encryption key and code in the avatar to store in the image server Step 14; An avatar client program that stores an encryption key and a code is combined with an avatar image and stored in the avatar image server. The avatar client is downloaded from the mobile terminal and the computer by connecting to the avatar image server. Step 15; In claim 1 In step 2, when the mobile communication terminal inputs the password of the avatar, the encryption key of the avatar client is decoded to display the unique number of the avatar and connect to the payment server using the built-in encryption key to authenticate the authentication server; Creating a socket so that the payment server can use the payment server in the avatar client of the mobile communication terminal; In claim 1 In step 3, when the password of the avatar is input from the computer, the encryption key of the avatar client is decoded to display the unique number of the avatar, and the stored encryption key is connected to the payment server for payment approval. Creating a socket so that the payment server can use the payment server with the avatar client of the computer; In claim 1 In step 4, the avatar password input window is displayed when the payment function key is pressed on the mobile communication terminal and the computer. Inputting a password into the window, the encryption key of the avatar client is decoded to display the unique number of the avatar; In claim 1 In step 5, press the function key on the mobile terminal and the computer to display the avatar password input window. Enter your password in this window to display the avatar payment menu. In step 21, when the merchant and the amount of usage are input, the avatar is connected to the server to receive approval for payment of the amount of use, and is displayed on the avatar with an authorization number or code; In claim 1 In step 6, when the user selects the avatar payment button in the payment method when purchasing and using the internet product in the mobile communication terminal, the avatar payment window appears. When the user inputs a unique number and a password into the product details and the amount of the avatar, the payment is connected to the payment payment server to approve payment. 22 steps are completed; In claim 1 In step 7, when the user selects the Avatar payment button in the payment method when purchasing a product and using the service in the Internet store on the computer, the avatar payment window appears. When the user inputs a unique number and a password, the avatar client connects to the payment payment server to complete the payment approval. step; In claim 1 In step 8, after the member purchases the product at the merchant and uses the service, the user selects the avatar payment button on the mobile communication terminal and inputs a password. The avatar is converted into an image displayed with a unique number and code, and scanned by a reader to the payment settlement server. 24 steps to complete the payment approval; In claim 1 In step 9, the advertisement server generates an advertisement, and when the avatar client connects to the member management server and the payment server, downloads the advertisement to the member who wants the advertisement and delivers the advertisement data to the advertisement module of the avatar client; In claim 1, Step 26, the avatar client displays credit information, status information, and personal information stored in the IC chip through the avatar, and changes and updates the credit information and the customer service information of the IC chip through a menu button connected to the avatar. In claim 1, Step 27, in which the avatar client makes a wireless connection with the affiliated store terminal through wireless and brutus installed on the terminal in the mobile communication terminal; In claim 1, Step 28, the avatar client installed on the mobile communication terminal and the computer having an image is converted into an image of a person, an animal, and a flower in conjunction with an image server, fostered by artificial intelligence, and connected to a member management payment server; The method of claim 1, wherein the avatar client of the mobile communication terminal and the computer is connected to the information providing module of the customer management server to use chat, information search, purchase counseling, map display, and fortune telling;