KR20050005988A - New payment gateway - Google Patents

Abstract

PURPOSE: A method and a system for settling payment to keep security of credit settlement information on the online are provided to reinforce security maintenance of the credit settlement information by inputting/transmitting the credit settlement information of a user through a wired/wireless communication terminal. CONSTITUTION: A shopping mall(150) outputs personal information of a member and the information of a desired article as article transaction information. A communication company(250) outputs credit card information transmitted from the wired/wireless communication terminal(200) and the personal information as the settlement information. A PG(Payment Gateway)(300) certifies the member by receiving the article transaction information and the settlement information, requests a credit inquiry by transmitting the settlement information of the certified member to a financial institution server(350), and receives/transmits a result to the shopping mall.

Description

Payment method and system for maintaining credit security information {NEW PAYMENT GATEWAY}

The present invention relates to a payment settlement system, and more particularly to a new concept payment settlement system and method for maintaining the security of credit settlement information.

Payment methods for goods according to e-commerce include payment methods based on unpaid payment, payment methods based on the transfer of a user's credit card number online, methods using smart cards and debit cards, and payment methods through mobile phones.

First of all, the payment according to the bankbook payment is not a problem due to user information leakage, but the payment method of the purchase of goods is offline, which is cumbersome in use.

As a second method, a method of using a card has been introduced, but this has a problem in expanding a user base.

Third, the payment method using a mobile phone has recently been spread rapidly, but it is pointed out as a disadvantage that it is limited to a small payment.

On the other hand, the payment method using a credit card, which is most used in electronic commerce, provides a payment method by providing a user's credit card number and password to a payment method.

However, even though this method is the most generalized payment system, there is a high possibility of being easily hacked by the hacking program installed on the user's terminal side. Also, since it is transmitted through the general IP network, other people can easily steal the credit card number and password. There are many potential problems.

Therefore, it is necessary to develop a new concept payment system model that maintains the most common credit card payment method but has low risk of hacking of credit information.

Accordingly, an object of the present invention is to provide a payment method and system that can strengthen the security maintenance of credit payment information by inputting and transmitting individual credit payment information using a wired or wireless communication terminal.

1 is a block diagram of a payment system according to an embodiment of the present invention.

2 is a block diagram of a payment system according to another embodiment of the present invention.

3 is an exemplary payment flow diagram in the system shown in FIG.

4 is an exemplary payment flow diagram in the system shown in FIG.

Payment settlement system for maintaining credit settlement information security according to an embodiment of the present invention for achieving the above object,

A shopping mall server that outputs personally identifiable information of an article purchase member and information of an article to be purchased by the purchase member as article transaction information;

A telecommunication company server for outputting credit card information transmitted from the wire / wireless communication terminal of the goods purchase member and personal information of the member as payment information;

A PG server which receives the goods transaction information and payment information to perform authentication of a goods purchase member, transmits the authenticated member payment information to a financial institution server, requests a credit inquiry, and receives the result and transmits the result to the shopping mall server; Characterized by including.

Furthermore, the payment system according to another embodiment of the present invention,

A shopping mall server that outputs personally identifiable information of an article purchase member and information of an article to be purchased by the purchase member as article transaction information;

A communication company server which uses the credit card information transmitted from the wire / wireless communication terminal of the goods purchase member and the personal information of the member as payment information and outputs it together with the goods transaction information transmitted from the shopping mall server;

Receives the goods transaction information and payment information transmitted from the telecommunications company server to authenticate the goods purchase member, transmit the authentication information of the authenticated member to the financial institution server to request a credit inquiry and receive the result to the shopping mall server And a PG server for transmitting.

Meanwhile, the payment method according to the embodiment of the present invention is a method executable in a payment gateway (PG) server which is a payment system.

Receiving goods transaction information that a member wants to purchase from an electronic shopping mall server;

Receiving payment information transmitted from a communication terminal of a member through a communication company server;

Authenticating a purchase member by finding payment information matching the received goods transaction information;

Requesting a credit inquiry using payment information of an authenticated member;

And receiving the credit inquiry result and transmitting it to the electronic shopping mall server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram of a payment system according to an embodiment of the present invention.

Referring to FIG. 1, the purchaser PC 100 may access the shopping mall server 150 through a general IP network. That is, the purchaser may purchase the goods by accessing the shopping mall server 150 as a registered member of the shopping mall service provider.

The shopping mall server 150, which can be connected to a plurality of purchaser PCs 100 via an IP network, provides a list page of a sale item and requests a purchase member to select a payment method so that a purchaser can make a payment for the item to be purchased. . Such payment means include general credit card payment, mobile phone payment, debit card payment, cyber money payment, and credit payment through a communication terminal according to an embodiment of the present invention. If the "credit payment through the communication terminal" is selected by the purchasing member, the shopping mall server 150 outputs the personal identification information of the product purchasing member and the information of the goods that the purchasing member wants to purchase as product transaction information. Such goods transaction information is transmitted to a Payment Gateway (PG) server 300 to be described later. For reference, the item information includes item identification information (more specifically, item identification code) and sales price information.

When the purchase member selects the "credit payment through the communication terminal", the shopping mall server 150 requests the transmission of credit card information through its wired / wireless communication terminal. In this case, it is desirable to inform the method of transmitting credit card information according to the type of wired / wireless communication terminal. For example, a method of inputting credit card information is provided for a case of using a mobile communication terminal with a credit card chip and a case of using a general mobile communication terminal or a landline telephone without a credit card chip.

The purchaser mobile terminal 200 is used to input credit card information when selecting "credit payment via communication terminal". If the illustrated purchaser mobile terminal 200 includes a credit card chip, the purchaser of the article may wirelessly transmit the credit card information embedded in the terminal 200 by simply pressing a contracted shortcut key. Of course, the credit card password will have to be accompanied. If the terminal 200 does not have a built-in credit card chip, the product buyer sequentially inputs a predetermined contract code and a credit card number and a password of the card which the server 250 can recognize. Wireless transmission to the carrier server. Sending a credit card number using a landline phone is the same as using a wireless terminal.

Meanwhile, the mobile communication company server 250 receives the credit card information from the wire / wireless communication terminal 200 of the purchase member and reads it from the member DB together with the personal information of the member who reads the PG server to be described later as payment information ( 300). Since the mobile telecommunication company server 250 can identify the member information through the connected wired / wireless communication terminal 200, the mobile telecommunication company server 250 can read the personal identification information as a result. For reference, the mobile telecommunication company server 250 and the PG server 300 to be described later may be connected by a dedicated line to maintain the security of credit card information.

The PG server 300 receives the goods transaction information and payment information from each of the shopping mall server 150 and the mobile communication server server 250 and performs authentication of the goods purchase member, and the payment information of the authenticated member is transferred to the financial institution server. Send to 350 to request a credit inquiry. And it receives the credit inquiry result from the financial institution server 350 and transmits to the shopping mall server 150. The authentication of the goods purchase member is to check the payment information matching the goods transaction information and to check whether the personal information included in both information match. The method of finding payment information matched with the goods transaction information may check whether the personal information is matched to find the payment information matched with the goods transaction information, and the goods transaction identification information is irrelevant to the personal information. And payment information (purchased by the purchaser through the terminal), respectively, may be used to find payment information matching the goods transaction information.

Hereinafter, the operation of the system will be described with reference to FIG. 3, which shows a payment flow in a payment system having the above-described configuration.

First, the purchaser logs in to the shopping mall server 150 using his PC 100 (step 400). The user purchases the item on the web page provided by the shopping mall server 150 (step 410) and selects payment. According to the payment selection, the shopping mall server 150 requests the selection of the payment means (step 420). The purchaser then selects "credit payment via communication terminal" according to an embodiment of the present invention (step 430). In response to the "credit payment through the communication terminal" selection, the shopping mall server 150 stores the goods transaction information including the personal information of the authenticated purchaser member and the information of the product that the member wants to purchase at the time of login. And transmits to step 300 (step 440).

Meanwhile, the buyer wirelessly transmits the credit card information using his mobile terminal 200 according to the description of the web page provided from the shopping mall server 150 in response to the selection of "credit payment through the communication terminal". For example, if the mobile terminal 200 having a credit card chip is embedded, the buyer presses a shortcut key to read the credit card number stored in the memory of the credit card chip (step 450). The read credit card number is wirelessly transmitted (step 460) as credit card information along with a password entered by the purchaser. The mobile communication company server 250 receives the credit card information transmitted by the buyer through the base station. Then, the mobile telecommunication company server 250 transmits the payment information including the received credit card information and the personal information of the buyer who wirelessly transmitted the credit card information to the PG server 300 (step 470).

Therefore, the PG server 300 receives the goods transaction information and the payment information from the shopping mall server 150 and the mobile communication company server 250, respectively.

The PG server 300 receiving the payment information and the item transaction information finds payment information matching the item transaction information and authenticates the purchase member (step 480). Then, the payment information of the authenticated member is transmitted to the financial institution server 350 (step 490). The financial institution server 350 receives the credit inquiry result (step 500) and transmits it to the shopping mall server 150 (step 510).

Accordingly, the buyer of the goods may visually identify whether the credit settlement is normally made through the shopping mall server 150.

Although not described in this embodiment, the process of payment and settlement according to the credit card inquiry is the same as in the case of general PG. Since this is obvious to those skilled in the art, the description thereof will be omitted.

According to the above-described embodiment of the present invention, since the credit card information of the buyer of the goods is wirelessly transmitted through the mobile communication terminal 200, a system that is safe from the risk of loss or hacking of the credit card information compared to the existing credit card payment system. It will be able to provide.

In the above-described system, the shopping mall server 150 transmits the goods transaction information to the PG server 300. However, another system for transmitting the product transaction information to the mobile communication company server 250 may be constructed. An example of such a system is shown in FIG.

2 is a block diagram of a payment system according to another embodiment of the present invention, Figure 4 illustrates a payment flowchart in the system shown in FIG.

Referring to FIG. 2, the shopping mall server 150 outputs personal identification information of a product purchase member and information of an item to be purchased by the purchase member as product transaction information, but outputs the information to the server 250 of the mobile communication company. The shopping mall server 150 may be identical to the shopping mall server 150 illustrated in FIG. 1 except for outputting the goods transaction information to the mobile communication company server 250.

Meanwhile, as mentioned in FIG. 1, the mobile telecommunication company server 250 receives credit card information from the wire / wireless communication terminal 200 of the purchase member and uses the personal information of the terminal owner as payment information. It outputs the payment information along with the goods transaction information transmitted from the shopping mall server 150. The mobile telecommunication company server 250 serves to match some operations performed by the PG server 300 shown in FIG. 1, more specifically, goods transaction information and payment information.

On the other hand, the PG server 300 receives the goods transaction information and payment information transmitted from the mobile carrier server 250, but finds the payment information matching the goods transaction information authentication of the goods purchase member (these authentication is executed by the mobile carrier server And transmits the payment information of the authenticated member to the financial institution server 350 to request a credit inquiry and receives the result and transmits the result to the shopping mall server 150.

Referring to Figure 4 showing the payment flow in the above-described system,

First, as described in FIG. 2, the purchaser may select “credit payment through the communication terminal” through steps 550 to 580. In response to the " credit payment through the communication terminal " selection, the shopping mall server 150 transmits the goods transaction information including the personal information of the authenticated buyer of the goods and the information of the goods that the member wants to purchase. Transmit to step 250 (step 590).

On the other hand, the buyer wirelessly transmits the credit card information through the mobile terminal 200 according to the contents of the web page provided from the shopping mall server 150 in response to the selection of "credit payment through the communication terminal" (step 610). do. In operation 620, the mobile telecommunication company server 250 searches for payment information matching the goods transaction information transmitted from the shopping mall server 150 and performs personal authentication. Such personal authentication may be performed in the PG server 300 described later. To this end, the mobile telecommunication company server 250 may implement the credit card information transmitted from the terminal 200 and the personal identification information through the terminal identification number together with the goods transaction information to the PG server 300.

If the personal authentication is normally completed in the mobile carrier server 250, the PG server 300 receives the goods transaction information that the member intends to purchase and the payment information wirelessly transmitted by the member from the mobile carrier server 250 (630). Step) In addition, the PG server 300 completes a payment message using the received payment information and the item transaction information, and requests a credit inquiry (step 640). The financial institution server 350 receives the credit inquiry result (step 650) and transmits it to the shopping mall server 150 (step 660). In some cases, the payment completion facts may be notified to the purchaser's mobile terminal 200 through the mobile communication company server 250, but in this case, the burden of using the mobile communication network is not preferable.

According to another embodiment of the present invention described above, since the credit card information of the buyer of the goods is wirelessly transmitted through the mobile communication terminal 200, the present invention is a risk of loss or hacking of credit card information compared to the existing credit card payment system It is possible to provide a safe system from the system.

In the above system, only the mobile communication company is exemplified, but the mobile communication company server may be replaced with an exchange server of a wired communication network.

As described above, the present invention uses a wired communication terminal or a mobile communication terminal to wirelessly or wirely transmit a purchaser's credit card number and password, so that credit card information may be lost or hacked compared to a conventional credit card payment system. There is an advantage in providing a secure payment system without

By comparing the personal information used at the time of login with the personal information of the credit card issuer, it is possible to check the authenticity of the legitimate card user, thereby securing the stability of the card use.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. For example, the item transaction identification information may be added to the item transaction information and the payment information, respectively, to detect payment information matching the item transaction information. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (7)

In the payment method that can be executed in the payment system for maintaining the credit information security, Receiving goods transaction information that a member wants to purchase from an electronic shopping mall server; Receiving payment information transmitted from the member's communication terminal through a communication company server; Authenticating a purchase member by finding payment information matching the received goods transaction information; Requesting a credit inquiry using payment information of an authenticated member; Receiving a credit query result and transmitting to the electronic shopping mall server; Payment settlement method for maintaining the credit payment information comprising a. The method of claim 1, wherein the goods transaction information includes at least a member's personal information, item identification information and sales price information, the payment information includes at least the personal information of the terminal owner, credit card information and password Payment method for maintaining credit payment information security. The method according to claim 1, wherein the goods transaction information includes at least a member's personal information, goods transaction identification information and sales price information, the payment information is at least the personal information of the owner and credit card information and password, goods transaction identification Payment method for maintaining the security of credit information, characterized in that it comprises information. In the payment method that can be executed in the payment system for maintaining the credit information security, Receiving the goods transaction information and payment information from a telecommunication company server receiving goods transaction information and payment information from a shopping mall server and a purchaser communication terminal, respectively; Finding payment information matching the received goods transaction information and authenticating a purchase member; Requesting a credit inquiry using payment information of an authenticated member; Receiving a credit inquiry result and transmitting to the electronic shopping mall server; Payment settlement method for maintaining the credit payment information comprising a. The method according to claim 4, wherein the goods transaction information includes at least a member's personal information, item identification information and sales price information, the payment information includes at least the personal information of the owner, credit card information and password Payment method for maintaining credit payment information security. In the payment system for maintaining the credit information security, A shopping mall server that outputs personally identifiable information of an article purchase member and information of an article to be purchased by the purchase member as article transaction information; A telecommunication company server for outputting credit card information transmitted from the wire / wireless communication terminal of the goods purchase member and personal information of the member as payment information; A PG server which receives the goods transaction information and payment information to perform authentication of a goods purchase member, transmits the authenticated member payment information to a financial institution server, requests a credit inquiry, and receives the result and transmits the result to the shopping mall server; Payment system for maintaining the credit information security, characterized in that it comprises a. In the payment system for maintaining the credit information security, A shopping mall server that outputs personally identifiable information of an article purchase member and information of an article to be purchased by the purchase member as article transaction information; A communication company server which uses the credit card information transmitted from the wire / wireless communication terminal of the goods purchase member and the personal information of the member as payment information and outputs it together with the goods transaction information transmitted from the shopping mall server; Receives the goods transaction information and payment information transmitted from the telecommunications company server to authenticate the goods purchase member, transmit the authentication information of the authenticated member to the financial institution server to request a credit inquiry and receive the result to the shopping mall server PG server for transmitting; Payment system for maintaining the security of credit information, comprising the.