KR20040091909A - Method of settling accounts using virtual ATM on internet - Google Patents

Abstract

PURPOSE: A method for Internet settlement services using a virtual ATM is provided to disable hacking and offer use convenience by processing settlement in a way that buttons of an ATM(Automated Teller Machine) is operated by a mouse after a virtual ATM is realized on a web page. CONSTITUTION: If a user requests the settlement after cyber shopping by connecting to an EC(Electronic Commerce) site, a virtual ATM screen is provided(305). Settlement information is inputted by using the mouse on the virtual ATM screen(306). The inputted settlement information is encrypted/transmitted to a settlement server(308). The settlement server decrypts/processes the settlement information(310). A process result is provided to the user or the EC site(311).

Description

Method of settling accounts using virtual ATM on internet}

The present invention relates to a payment method for electronic commerce on the Internet, and more particularly, to an internet payment and banking service method using a virtual automatic depositor (ATM).

Recently, a lot of cards (cards) that are easy to use and carry than cash have been used as a payment method. The types of cards vary depending on the type of payment, such as credit cards, cash cards, debit cards, and transportation cards. For example, a lot of cards are used to pay for goods in general stores or department stores. The card can also be used to pay for oil at gas stations or at restaurants. In addition, on-line e-commerce and ATMs / CDs can be used for cards. Likewise, the number of card merchants increased, and the types of payments that can be made with the card have also increased.

1 is a view showing a credit card payment system in a general electronic commerce, a terminal of a customer who purchases goods or services by accessing a cyber shopping mall 14 and a shopping mall 14 that provide goods or services through the Internet 12. (11), a payment gateway (P / G: 15), a bansa (17) and a credit card company (16) involved in the financial relationship with the product.

The customer accesses the cyber shopping mall 14 by the terminal 11 connected to the Internet such as a computer and performs shopping. When the product is found to be purchased, the purchase intention is transmitted to the shopping mall 14. The customer inputs the information of the credit card possessed on the screen provided by the shopping mall 14, that is, the card information such as the customer name, the card number, the password, and the expiration date. The shopping mall 14 transmits the card information presented by the customer to the payment gateway 15. The payment gateway 15 requests the approval through the credit card company 16 or the bansa 17 which is a payment institution for the transferred card information, receives the result, and transfers the result to the shopping mall 14 where the transaction occurred. When the shopping mall 14 receives notification from the payment gateway 15 that the payment processing is normally performed, the shopping mall 14 completes the transaction by delivering the purchased goods.

However, such a conventional method has a problem that the key input contents input by the user at the time of payment in the electronic commerce system are collected by a hacking tool such as a key logger and transmitted to a hacker, which is vulnerable to security. In other words, personal financial information input method may be leaked by hacking in online such as the Internet, security may be leaked by wiretapping in case of telebanking, and payment agency fee is expensive in case of micro payment. have. In addition, in order to make an account transfer in the existing e-commerce, after ordering the goods, the bank homepage must be connected to the account transfer, it is difficult to immediately check whether the payment is difficult to use.

In order to solve the above problems, the present invention implements virtual ATM on a web page and handles payment by operating a button of an ATM with a mouse. Therefore, hacking is impossible and Internet payment using a virtual ATM is convenient. And a banking service method.

1 is a schematic diagram showing a general Internet card payment procedure,

2 is a schematic diagram showing the configuration of an Internet network to which the present invention is applied;

3 is a flowchart illustrating a procedure for processing Internet banking according to the present invention;

4 is a flowchart illustrating a procedure of processing a payment in an e-commerce site according to the present invention;

5 is an example of a screen for selecting a withdrawal account in a virtual ATM according to the present invention;

6 is an example of a screen for selecting a trading bank in a virtual ATM according to the present invention.

* Explanation of symbols for main parts of the drawings

202: user 210: the Internet

220: e-commerce site 230: payment gateway

232: VAN company 234: credit card company

242: telebanking server 244: Internet banking server

246: financial institution

In order to achieve the above object, the method of the present invention comprises the steps of providing a virtual ATM screen when a cyber shopping request is requested after accessing an e-commerce site; Inputting payment information by using a mouse on the virtual ATM; Encrypting the input payment information and transmitting the encrypted payment information to a payment server; Decoding by the payment server and processing according to payment information; And providing the processing result to a user or an e-commerce site.

The virtual ATM includes a virtual LCD display window for displaying input information, a virtual number button, a virtual confirmation button, and a virtual correction button. The payment information includes an account number, a credit card number, a password, and an amount of money.

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

Figure 2 is a schematic diagram showing the configuration of the Internet network to which the present invention is applied.

Referring to FIG. 2, the entire system to which the present invention is applied includes a user terminal 202, an internet 210, an e-commerce site 220, a payment gateway (P / G: 230), and a van (VAN) company 232. ), A credit card company 234, a telebanking server 242, an Internet banking server 244, a financial institution 246. The user terminal 202 is a personal computer such as a desktop or laptop equipped with a web browser, and the e-commerce site 220 is a cyber shopping mall that sells various goods or services in a cyber space including a web server and a database. The payment gateway (P / G: 230) is a server that handles credit card payments, micropayments, electronic money payments, etc., usually operated by a VAN operator 232, etc., and internet banking server 244 and telebanking. The server 242 is operated by the financial institution 246 and processes various financial related tasks such as account transfer or inquiry. In this case, when the telebanking server 242 is used, a VoIP device for transmitting and receiving DTMF tones is required between the user and the server.

3 is a flowchart illustrating a procedure for processing Internet banking according to the present invention.

Referring to FIG. 3, a user 202 runs a web browser to access an internet banking server 244 through the Internet 210. When accessing the Internet banking server 244, a home page for logging in is provided, and enters an ID and password or logs in through a public certificate (301).

Upon logging in, service items that can be provided by the Internet banking are provided as menus, and the user selects the necessary transaction details (302 and 303). For example, we choose bank transfer, inquiry or loan. If a bank transfer is selected, a virtual ATM skin is provided from the Internet banking server 244 after undergoing a predetermined authentication process (304).

The user inputs the wire transfer related information by manipulating with the mouse on the virtual ATM skin (306). Subsequently, when the input is completed and the confirmation button is pressed, the input information is encrypted and transmitted to the internet banking server 244, and the internet banking server 244 decrypts it and processes it according to the contents (307 to 310). When the processing is completed, the user is notified of the processing result and the user logs out (311, 312).

In the case of telebanking, the entire processing procedure is the same as that of Internet banking, except that users and servers are provided with VoIP devices, and DTMF data is transmitted to each other.

As described above, according to the present invention, when the bank transfer is performed using a virtual ATM skin, it can be hacked by a hacking tool such as a key logger because it is operated by a mouse. To provide.

4 is a flowchart illustrating a procedure of processing a payment in an e-commerce site according to the present invention.

Referring to FIG. 4, the user runs a web browser on the terminal 202 to access the e-commerce site 220 through the Internet 210 and performs cyber shopping according to a predetermined procedure (401). If there is a desired product during shopping, the purchase application (402). At this time, it is desirable to store the purchased products using the cyber shopping cart and pay in bulk after shopping is completed.

Upon requesting a payment, the e-commerce site 220 provides a menu of possible payment methods, and accordingly, the user selects a payment method (403, 404). In general, payment methods include using a credit card, bank transfer, and electronic money.

When the user selects a payment method, a payment request is made to the corresponding server according to the payment method, and accordingly, the server provides a virtual ATM skin to the user (405 and 406). In the embodiment of the present invention, the payment server 230 provides a virtual ATM skin, but the e-commerce site 220 may provide a virtual ATM skin directly.

The user inputs payment information (credit card number, account number, password, social security number, expiration date, etc.) through a mouse operation on the provided virtual ATM skin, and when the input is completed and the confirmation button is pressed, the payment information is encrypted and the payment server 230 (407-409).

The payment server 230 decrypts the encrypted data and processes the encrypted data according to the payment information, and transmits the processing result (for example, the authorization number) to the e-commerce site 220 and the user 202 (410 to 413). If the payment is successfully completed, the e-commerce site 220 delivers the product (414).

As described above, according to the present invention, when processing an e-commerce payment using a virtual ATM skin, since it is operated by a mouse, it cannot be hacked by a hacking tool such as a key logger, and data is encrypted and transmitted. Provides excellent effects.

5 is an example of a screen for selecting a withdrawal account in the virtual ATM according to the present invention.

Referring to FIG. 5, the virtual ATM skin has a form similar to that of an actual ATM, so that a person who uses an ATM in real life can easily use the same method. The virtual ATM displays a withdrawal account in the LCD window area 502 to select a desired withdrawal account with a mouse, and inputs an account by clicking the number button 504 with a mouse when directly entering an account or entering an amount. When the confirmation button 506 is pressed, the input is encrypted and transmitted to the server side. The correct button 508 is used to correct previously input contents.

6 is an example of a screen for selecting a trading bank in the virtual ATM according to the present invention.

Referring to FIG. 6, the virtual ATM displays a bank to be deposited in the LCD window area 602 to select a desired bank with a mouse. When the bank is selected, the number button 604 is clicked to select an account number and an amount to be transferred. Enter the password directly with the mouse. The input contents are encrypted by pressing the confirmation button 606 and transmitted to the server side. The correction button 608 is used to correct previously input contents.

As described above, according to the present invention, when entering an account number or a credit card number online, there is a risk of being hacked by a key logger because a user inputs a mouse on a virtual ATM instead of using a keyboard key input. In addition, there is an advantage that it is convenient to use the ATM that is used in real life in the virtual space.

Claims (4)

Providing a virtual ATM screen when requesting payment after cyber shopping by accessing an e-commerce site; Inputting payment information by using a mouse on the virtual ATM; Encrypting the input payment information and transmitting the encrypted payment information to a payment server; Decoding by the payment server and processing according to payment information; And And providing the processing result to a user or an e-commerce site. Providing a virtual ATM screen when accessing a financial site and requesting Internet banking; Inputting internet banking information using a mouse on the virtual ATM; Encrypting the input internet banking information and transmitting the encrypted data to an internet banking server; Decrypting and processing the Internet banking server according to the Internet banking information; And Internet banking service method using a virtual automatic depositing device, characterized in that comprising the step of providing the processing result to the user. The method of claim 1 or 2, wherein the virtual ATM is Internet payment and banking service method using a virtual automatic pre-payment device, characterized in that consisting of a virtual LCD display window for displaying input information, a virtual number button, a virtual confirmation button, and a virtual correction button. The method of claim 1 or 2, wherein the payment information Internet payment and banking service method using a virtual automatic depositing device, characterized in that consisting of account number or credit card number, password, amount.