KR20070013954A - Payment method using network card and apparatus therefor - Google Patents

Abstract

A settlement method and a server device using a network card are provided to enable a user to settling a price for an article or a service, and transfer money with a desired credit card or bank account in any place having a terminal connected to the Internet by using the NC(Network Card) including a magnetic stripe, an IC chip, a data storing part, and a USB(Universal Serial Bus) connector. A basic information receiver(A301) receives settlement request information from an EC(Electronic Commerce) server or a seller terminal, receives card information stored in the first NC from the first user terminal or the seller terminal, and receives authentication information stored in the second NC from the second terminal. A temporary storing part(A302) constructs a temporary information database by temporarily storing the received information. An information transmitter(A303) reads/transmits the information stored in the temporary storing part to an authentication server or a banking server, transmits settlement reservation processing particulars to the first user terminal, and the EC server or the seller terminal, and transmits a settlement processing result to the second user terminal, and the EC server or the seller terminal.

Description

Payment method and server device using network card {Payment Method using Network Card and Apparatus therefor}

1 is a reference diagram for explaining a network card.

2 is a block diagram of a wired and wireless communication network for realizing a payment method using a network card according to an embodiment of the present invention.

3 and 4 are flowcharts illustrating one embodiment of the present invention.

5 is a block diagram of a payment server device using a network card according to the present invention.

6 and 7 are flowcharts illustrating a general process of making a payment using a network card in a wired / wireless communication network.

<Explanation of main code>

100a: first network card, 100b: second network card, 200a: first user terminal, 200b: second user terminal, 300: management server, 400: commerce server, 500: authentication server, 600: financial server, 700: Store terminal

101: magnetic strip, 102: IC chip, 103: data storage, 104: USB connection, 105: data connection lead, 106: RF antenna, 107: USB terminal

The present invention relates to a payment method and a server device using a network card (NC) equipped with a magnetic strip, an IC chip, a data storage unit (flash memory, etc.) and a USB connection unit. Debit card, smart card or RF card, USB with authorized authentication key, etc. can be functionally integrated and IC card chip information of conventional cards issued by various institutions such as BC, Visa or Kookmin Bank, Woori Bank, etc. It can be integrated and stored in the back and the like, so that the user can select a payment card, a payment bank, a certification authority, etc., and a USB port for inserting the USB connection of the network card. Whether the user is a legitimate user through a commerce server and an authentication key that operates the terminal and the online shopping mall. Control and interfacing the financial server, the network card, the terminals, and the servers that provide and verify the authentication server and credit card information or the transaction bank information, etc. The present invention relates to a payment method using a network card and a payment server device using a network card in a wired / wireless communication network including a management server that manages payment of goods or services purchased by a user.

Due to the rapid development of information communication and the Internet, many computers in offices or companies are connected by a network in a small LAN environment, and many computers in regions, countries and the world are connected by the Internet in a WAN environment. In addition, it is becoming a credit society that values individual credit. As a result, various types of cards such as credit cards, debit cards, IC cards, Internet payment cards, gasoline cards, and user authentication cards have been launched for financial payment methods or identity verification, and everyone has one or two types of cards. Demand is also increasing day by day. Users who want to receive goods or services due to such a change of environment usually have a credit card, a debit card, and an IC chip rather than paying with physical currency, which is inconvenient and troublesome to carry large amounts of money. A smart card, etc. is usually used to make payments or to verify identity.

In the conventional case, a credit or debit card has a magnetic stripe formed on a plastic card for use as a general commerce payment method, and a terminal installed at the place of sale of goods or services after embedding the card number and account number. Credit card number and bank account number can be transferred to the credit card company or bank by transferring the value of a certain amount of money stored in the card company or bank. Personal credit information such as name, social security number, address, and telephone is transmitted to the goods or service provider through the network. After receiving the data transmitted through the network, the goods or service provider obtains the credit card or deposit account holder's authorization from the credit card company or bank and bills for the provision of the goods or services. The credit card company authenticates the cardholder, the bank authenticates the deposit account holder and pays the goods or service provider, and the credit card or deposit is based on the payment made to the goods or service provider. A financial transaction system, such as withdrawal of the money from the account holder's account, is established.

In addition, in order to increase the safety of such electronic commerce, the user stores the authentication key issued by a bank or a certification authority in the hard disk of the terminal such as a PC mainly used by the user, or there is a removable floppy disk or CD or USB connection unit. While storing in a portable memory or the like, authentication is performed by transmitting an authentication key to a certification authority server before and after payment or transfer of money using a terminal or the like.

Such a conventional payment method separates the inconvenience of having to input credit card information such as the credit card number and expiration date and password stored in the magnetic strip of the credit card each time, and the memory in which the authentication key is stored. In addition to the inconvenience of having to connect to the terminal or read from the hard disk, there was also a waste of resources that the certification authority or bank has to provide a separate memory in which the authentication key is stored.

In addition, if the entered credit card information is not valid or if the balance of the connected financial account is insufficient, it is inconvenient to enter another credit card information and check the validity again, and to carry a mobile card with multiple cards for this purpose. There were also problems such as difficulty

In addition, when children, such as children who are remote from abroad, use a credit card, etc., there is a problem that parents cannot control the credit card, or have to spend unnecessary expenses.

Technical problem to be solved by the present invention for solving the above problems can be functionally integrated, such as a credit card or debit card, smart card or RF card, USB equipped with an authentication key, and also BC, Visa or Kookmin Bank The card-specific information of the conventional cards issued by various institutions such as banks can be integrated and stored in the IC chip, etc., so that the user can select a desired payment card, payment bank, and certification authority through a terminal operation such as a PC; It is equipped with a USB port to insert the USB connection of the network card, the authentication server for authenticating whether the user is a legitimate user through the authentication key and the commerce server that operates the terminal, such as a PC with Internet access and online shopping malls, etc. Check whether the credit card information or bank account information is valid. And a management server for controlling and interfacing the network card, the terminals, and the servers, and managing the payment for the goods or services purchased by the user. To provide a payment method using a network card and a payment server device using a network card in a wired or wireless communication network,

In addition, wherever a user has a terminal with internet access, he / she can use a network card to pay for goods or services, or transfer money.

After a child who is a remote purchaser, such as a foreign buyer, and a parent who is the final confirmer of the payment are issued a first network card and a second network card where information is connected to each other, the child who is a buyer purchases goods or services. If you provide the first network card information owned by the "payment reservation", the final confirmation parent must be authenticated for payment through the second network card to "complete payment" services, such as various services It is also possible to provide a payment method using a network card and a payment server device using a network card, which can be extended, which is safer, more convenient, and the payment time can be shortened.

In order to solve the above problems and achieve the desired purpose, a payment method using a network card according to an embodiment of the present invention includes a network card (NC) having a magnetic strip, an IC chip, a data storage unit, and a USB connection unit. In the commerce settlement method using a card, (a) a predetermined management server 300 is provided in a commerce server 400 to which the first user terminal 200a is connected or a store in which a user purchases goods or services. Receiving the "payment request information" including the payment price from the store terminal 700 which is present in the information temporary database 330 and temporarily storing (301), (b) the management server 300, the first The first user terminal 200a or the store terminal stores "card (or account) information" necessary for payment read from the first network card 100a connected to the user terminal 200a or the store terminal 700. (700) Receiving from the step 302 to temporarily store the information in the database 330, and (c) the management server 300, "payment request information received from the commerce server 400 or the store terminal 700; "And necessary information" and "card (or account) information" received from the first user terminal 200a or the store terminal 700 to read from the information temporary database 330 to transmit to the financial server 600 Step 304, and (d) the management server 300 receives (305) whether it is a valid card that can be paid in response to the information transmitted in the step (c) from the financial server 600 If the payment is a valid card (306Y), the transaction history database 331 is stored as "payment reservation" (307), the commerce server 400, the store terminal 700 or the first user terminal ( Sending a "Payment Reservation" processing history to 200a (30); 8) and (e) the management server 300 reads "card (or account) information" read from the second network card 100b connected to the second user terminal 200b. Receiving from step 200b (309), and (f) the management server 300, "card (or account) information" of the second network card (100b) received from the second user terminal (200b) Reading the payment reservation details corresponding to the transaction from the transaction database 331 and transmitting to the second user terminal 200b and requesting information necessary for authentication including authentication key information 310; and (g) The management server 300 receives (312) authentication information including an authentication key from the second user terminal (200b), transmits it to the authentication server (500), and receives a corresponding authentication result (313). ) And (h) the management server 300 stores the authentication result received from the authentication server 500 in the financial institution. Transmitting to 600 and requesting payment (314); and (i) the management server 300 receives the payment processing result from the financial server 600 and stores it in the transaction history database 331. Step (315) and (j) the management server 300 to convert (320) the "payment reservation" to the "payment completed", the management server 300, the commerce server 400 or the store terminal 700 and the step 316 of transmitting to the second user terminal 200b.

In addition, the step (b) of the payment method using the network card, information including the ID or password corresponding to the card (or account) information received from the first user terminal 200a or the store terminal 700 Receiving (303) from the first user terminal (200a) or the store terminal (700), and the step (g) corresponds to the authentication information received from the second user terminal (200b). It may also be characterized in that it further comprises the step (321) of receiving information from the second user terminal 200b, including the ID or password to be,

In addition, the step (d) of the payment method using the network card, if the payment is not a valid card (306N), the first network card to the first user terminal 200a or the retailer terminal 700 It may be characterized by requesting to provide other card (or account) information stored in the 100a, or requesting 318 to confirm whether to cancel the payment and terminate the service.

Furthermore, in the step (g) of the payment method using the network card, when a command to cancel the payment reservation is received from the second user terminal 200b (311Y), the transaction history database 331 is stored. It may also be characterized in that the "reservation reservation" is switched to "cancel payment" (319) and the step (j).

Meanwhile, the methods of the present invention can be written as a computer program that can be executed by a computer, and the computer program can be recorded on a computer-readable recording medium.

The payment server apparatus using the network card according to an embodiment of the present invention, receives the "payment request information" including the payment price from the commerce server or the store terminal, and the first network from the first user terminal or the store terminal A basic information receiver A301 for receiving card (or account) information stored in a card, receiving authentication information stored in a second network card from the second user terminal, and the basic information; Temporary storage unit A302 which temporarily stores various information received by the receiving unit A301 and serves to build an information temporary database, and reads the information stored in the temporary storage unit A302 to the authentication server or financial Transmitting to the server and transmitting the payment reservation process to the commerce server or the retailer terminal and the first user terminal. An information sending unit (A303) for transmitting a payment processing result to the commerce server or the retailer terminal and the second user terminal, and a card valid corresponding to the information transmitted from the financial server and the authentication server. Transaction information receiving unit (A304) which serves to receive whether or not and whether the payment is possible and the authentication result, and receives the payment processing result from the financial server, and the payment reservation details or the transaction information receiving unit (A304) The transaction information storage unit A305, which stores the received payment processing result and establishes a transaction history database, determines whether or not payment is possible, controls the execution step, and temporarily stores the basic information receiver. An operation control unit (A) which controls the operations of the unit, the information transmitter, the transaction information receiver, and the transaction information storage unit (A) 306).

The basic information receiving unit A301 of the payment server apparatus using the network card may include information including an ID or a password corresponding to card (or account) information received from the first user terminal or the retailer terminal. And receiving information from the second user terminal including information including an ID or a password corresponding to the authentication information received from the second user terminal. You can also

In addition, the operation control unit A306 of the payment server apparatus using the network card is another card stored in the first network card in the first user terminal or the retailer terminal when the payment is not a valid card (or the card). Account) or request to provide information, or to cancel the payment and confirm whether or not to terminate the service.

In addition, the operation control unit A306 of the payment server device using the network card cancels the "payment reservation" stored in the transaction history database when a command to cancel the payment reservation is received from the second user terminal. It can also be characterized by further performing the role of ".

Hereinafter, main terms used in the present specification will be described.

"Network Card" means a credit card or debit card, smart card or RF card, USB equipped with an authorized authentication key, etc. can be functionally integrated, and also issued by various institutions such as BC, Visa or Kookmin Bank Woori Bank. The card-specific information of the card may be integrated and stored in an IC chip, and the like, so that the user may select a desired payment card, a payment bank, a certification authority, or the like through a terminal operation such as a PC. The attached FIG. 1B is a diagram showing a perspective view of a network card for reference. The configuration will be described with reference to the drawings. The network card 100 is provided with a magnetic strip 101 of a rectangular shape as seen in a conventional credit or debit card, the magnetic strip 101, the number of the user's credit or debit card and the card number Necessary information for the service, such as the user's or family's financial account number, will be stored. In addition, the network card 100 is provided with a built-in IC chip 102 that can store a variety of necessary information, such as a user's unique number, telephone number or charged amount, and the user to use the network card 100 Various programs or information such as autorun software, video software, billing system software, telecommunications, education, finance, insurance, public transportation, taxation, medical care, medical insurance, etc. The data storage unit 103 capable of storing the built-in is provided. In addition, the network card 100 is also provided with a USB connection unit 104 that is connected to the IC chip 102 and the data storage unit 103, the USB connection unit 104 is provided in a terminal such as a PC Information stored in the IC chip 102 connected to the USB port, which is stored in the IC chip 102 and transmitted to the terminal or received from the terminal, and stored in the data storage 103 It supports the role of outputting a program or information to the terminal or receiving and storing new information input from the terminal. In this case, the IC chip 102 includes an RF antenna 106 and is preferably an RF IC chip in which an RF transceiver circuit, a control logic, a memory, and the like are embedded therein, and the data storage unit 103 is It may be desirable to use a data storage type (NAND) flash memory capable of inputting / outputting data and not erasing data even when the power supply is cut off.

The term "terminal" refers to a PC or the like that can be connected to the Internet and has a USB port into which the USB connection portion of the network card can be inserted. There are a first user terminal 200a used overseas and a store terminal 700 installed in a general offline store or affiliated store that can be used by a child with a first network card 100a. A parent or the like having the network card 100b is divided into a second user terminal 200b used at work or home. The first user terminal 200a is connected to the "commerce server 400, which provides goods and services such as an internet shopping mall, requests a payment after purchasing goods or services, or a financial server that operates a homepage such as a bank ( 600) to the bank transfer and the like.

"Magnetic Stripe" refers to a black strip attached to a magnetic card generally found on a credit or debit card, and includes a financial account number of the user who issued the card. Unique information is recorded and stored, and in recent years, there is a tendency to add various information in addition to unique information.

An "RF chip for radio frequency (RF)" refers to an IC chip mounted on a tag of an RFID (RFID) system. To help you understand the concept of RFID system briefly, RFID is a technology that uses radio frequency to read or record information on a tag in a non-contact manner, and recognizes tagged objects, animals, and people. A technology that can be tracked and managed. The RFID system has a unique identification information and consists of a tag attached to an object or animal, and a reader for reading or writing the identification information of the tag. The tag is usually composed of an IC chip and an RF antenna, and the IC chip has an RF transceiver circuit, control logic, and memory. RFID tags are classified into active tags with batteries and passive tags without batteries, and have various sizes and shapes depending on the intended use.

The term "flash memory" refers to a memory device that does not erase stored information even when the power is cut off. Power consumption is small and the stored information does not disappear even when the power is turned off. Unlike DRAM, it is widely used in digital televisions, digital camcorders, mobile phones, digital cameras, personal digital assistants (PDAs), and game consoles because it can not only store stored information as it is, even when the power is cut. There are two types of flash memory, which have a structure in which cells are connected in series, data storage type (NAND) with large storage capacity, and code storage type (NOR) with fast processing speed. Are classified. NAND flash memory is highly integrated and can replace hand disks.

"Universal Serial Bus (USB)" is a type of serial port that has attracted interest with the release of Windows 98. It is a plug-and-play interface between computers and peripherals such as audio players, joysticks, keyboards, phones, scanners, and printers. Say. The principle of USB is the same as the serial port, but faster and easier to connect than the serial port. USB supports data transfer rates of up to 12 Mbps, so connecting a few peripherals is fast enough, and chains many devices together. It also recognizes when connected while using a PC, and does not require a power supply for peripherals. A PC usually has two USB ports, but it has a USB hub that divides one port into multiple ports, so you can connect various peripherals.

Hereinafter, with reference to the accompanying drawings to explain the present invention in more detail.

1 is a reference diagram for explaining a network card, and has been described in the process of explaining key terminology.

2 is a block diagram of a wired and wireless communication network for realizing a payment method using a network card according to an embodiment of the present invention.

The network card 100 uses a credit card terminal installed in an offline store, a bank, a subway station, a cash in / out terminal, an RF reader, or an RF charger, etc., regardless of a payment method or device according to the present invention. Of course, it may be used as an RF card, and the payment process is omitted as usual.

Referring to the drawings, for payment or bank transfer according to an embodiment of the present invention, the first network card 100a and the second network card 100b, the first user terminal 200a and the second user terminal It is preferable that 200b, the store terminal 700 or the commerce server 400, the management server 300, the authentication server 500, the financial server 600, etc. are connected and connected by the wired / wireless communication network.

First, referring to FIG. 6 and FIG. 7, a process of general payment or bank transfer using a network card in the wired / wireless communication network will be described by reference. In this case, the first network card 100a and the second network card 100b are represented by the network card 100, and the first user terminal 200a and the second user terminal 200b are represented by the user terminal 200. In addition, the retailer terminal 700 is described as a premise that only transactions using the online commerce server 400 are not considered to be absent.

Referring to the general payment process in detail, when the user terminal 200 requests product information of goods or services to the commerce server 400 (s1), the commerce server 400 provides the above product information to the user terminal (s2). Done. At this time, when the user selects a desired product from the product information output on the user terminal 200 and makes a purchase and payment request (s3) according to the procedure provided by the commerce server 400, the commerce server 400 manages the management server 300. ) And request payment for the price corresponding to the price of the product purchased by the user (s4), the management server 300 requests the user terminal card information and the like to pay (s5). When the user terminal 200 receiving the card information to be paid from the management server 300 reads the card information from the connected network card 100 and transmits the card information to the management server 300 (s6), the management server 300 ) Transmits the received card information and the like to the financial server 600 and requests (s7) whether or not it is a valid card. In this case, steps s5, s6, and s7 may be required to separately enter a password or expiration date from the user if necessary. The financial server 600 inquires whether the received card information and the like is valid and transmits the result to the management server 300 (s8), the management server 300 to the user terminal 200, such as an authentication key After requesting more information (s9), the user terminal 200 reads out information such as an authentication key from the network card again and transmits it (s10), and transmits it to the authentication server 500 to request authentication (s11). do. When the authentication result successfully processed from the authentication server 500 is received (s12), the management server 300 transmits the authenticated result and the payment request amount to the financial server 600 (s13). The financial server 600 transmits the balance of the account, information of whether payment is possible, etc. to the management server 300 based on the authenticated result and the payment request amount (s14). When the payment is possible, the management server 300 After confirming the payment intention of the user terminal 200 to the user terminal 200 requesting to provide the payment intention information (s15) and receives the payment intention information (s16). When the user's payment intention is confirmed, the management server 300 transmits the user's payment intention to the financial server 600 and requests the payment (s17), and the financial server 600 pays the price and then processes the transaction or the transaction. The details are transmitted to the management server 300 (s18). Thereafter, the management server 300 transmits a payment processing result or transaction history to the commerce server 400 and requests a receipt, etc. (s19), and then receives necessary information such as a receipt from the commerce server 400 (s20) and makes a payment. The processing result or transaction details or electronic receipt, if necessary, are transmitted to the user terminal 200 (S21). After such a series of processes, the commerce server 400 provides the goods or services purchased and completed by the user in a method and a place desired by the user (S22).

The above-described process of the code s1 to the code s22 is not only uniquely arranged in order to facilitate understanding, but also integrates some processes when necessary for the service, for example, simultaneously managing information such as credit card and authentication key information. It may be possible to provide, such as received by 300, and may also be omitted, or may be additionally added, such as removing the user's payment intention information.

3 and 4 are flowcharts illustrating one embodiment of the present invention. Referring to the drawings, when a user such as a child with a first network card shopping at an online shopping mall or an offline store and wants to make a payment, the commerce in which the first user terminal 200a is connected When the "payment request information" including the payment price is transmitted from the store terminal 700 provided in the server 400 or the offline store where the goods or services are purchased, the management server 300 receives the information temporary database 330. In the temporary storage 301, the management server 300 is required for payment from the first network card 100a to the first user terminal 200a or the store terminal 700 to which the user has connected the first network card. The card (or account) information "is read and sent, and it is received and temporarily stored in the information temporary database 330 (302). In addition, the "payment request information" received from the commerce server 400 or the store terminal 700 and the "card (or account) information" received from the first user terminal 200a or the store terminal 700. The necessary information is read from the information temporary database 330 and transmitted 304 to the financial server 600, and a request is made to inform the user whether the card is a valid card that can be settled. If the payment is a valid card (306Y), after storing the goods or services purchased by the user as "payment reservation" in the transaction history database 331 (307), the commerce server 400 or the store terminal 700 Or it transmits the stored details processed as a "payment reservation" to the server or the terminal associated with the first user terminal (200a).

If the result received from the financial server 600 (305) is not a valid card for payment (306N), the user is connected to the first user terminal 200a or the retailer terminal (1) connected to the first network card. After requesting 700 to provide other card information or account information stored in the first network card 100a, if the corresponding information is received again, the payment process may be proceeded again, or the payment is canceled. If the user wants to terminate the service by requesting confirmation of whether to terminate the service, the user may execute the step of terminating the service.

Thereafter, the step of completing payment by receiving authentication for the transaction "payment reservation" from the parent holding the second network card.

That is, the management server 300 reads "card (or account) information" read from the second network card 100b issued in the name of the parent connected to the second user terminal 200b. 200b), the payment reservation details corresponding to the "card (or account) information" of the second network card 100b received from the second user terminal 200b is read from the transaction history database 331. To the second user terminal 200b and transmits and provides the "payment reservation" details for which payment is reserved by the child and requests information necessary for authentication, including authentication key information for payment completion, to the second user. When receiving the authentication information including the authentication key from the terminal 200b (312) it is transmitted to the authentication server 500 and receives the authentication result (313). The received authentication result is sent back to the financial server 600 for payment (314), and receives the payment processing result from the financial server 600 (315) and stores it in the transaction history database (331) The previously stored "payment reservation" is converted to "payment completed" (320). The payment processing result is transmitted 316 to a server and a terminal related to the commerce server 400 or the retailer terminal 700 and the second user terminal 200b. If a command to cancel the payment reservation instead of the authentication information is received from the second user terminal 200b (311Y), the "payment reservation" stored in the transaction history database 331 is switched to "cancel payment" (319). Similarly, the above payment processing result will be transmitted 316 to a server and terminal related to the commerce server 400 or the retailer terminal 700 and the second user terminal 200b.

In addition, when an ID or password corresponding to the card (or account) information received from the first user terminal 200a or the retailer terminal 700 is required, the authentication information received from the second user terminal 200b may be used. If a corresponding ID or password is needed more, it may be possible to receive more by inputting directly from the user.

Unexplained code 313 is a card or account information that a user wants to pay or transfer, among various card or account information and authentication key information stored in a network card by a user operating a keyboard or a mouse such as a user terminal. And it will be described as an example that the authentication key information and the like can be selected.

5 is a block diagram of a payment server device using a network card according to the present invention. The server apparatus according to the present invention includes a basic information receiving unit A301, a temporary storage unit A302, an information transmitting unit A303, a transaction information receiving unit A304, a transaction information storing unit A305, and an operation control unit A306. It is configured by.

The basic information receiving unit A301 receives payment request information including a payment request amount from a commerce server 400 or a retailer terminal 700 for goods or services for which a predetermined user requests payment, and the first information. Among the information stored in the first network card 100a coupled to the user terminal 200a or the store terminal 700, the first user terminal 200a includes information necessary for payment, including card information and authentication key information. Or the store terminal 700, and the temporary storage unit A302 temporarily stores various pieces of information received by the basic information receiving unit A301 to build an information temporary database. The information sending unit A303 reads the information stored in the temporary storage unit A302 and transmits the information to the authentication server 500 or the financial server 600, and the first use. The user terminal 200a and the second user terminal 200b or the retailer terminal 700 may also request the user to confirm the intention of making a payment or the like. Transmits to the financial server 600 and requests for payment, and transmits a payment settlement result or transaction history to a related server and terminal, and the transaction information receiving unit A304 is provided with the financial server 600. In response to the information transmitted from the authentication server 500, whether it is a valid card, whether payment is possible, and receiving an authentication result, and the first user terminal 200a and the second user terminal 200b or the retailer It will also be possible to receive the user's payment intention from the terminal 700, and serves to receive the result of the payment payment processing from the financial server 600, The market information storage unit A305 stores the payment processing result received in the transaction information receiving unit A304 to build a transaction history database. Finally, the operation control unit A306 determines whether the payment is possible. The execution of the basic information receiving unit A301, the temporary storage unit A302, the information sending unit A303, the transaction information receiving unit A304, and the transaction information storing unit A305; To control the role.

In addition, the basic information receiving unit (A301) for receiving from the first user terminal or the store terminal information including the ID or password corresponding to the card (or account) information received from the first user terminal or the store terminal. It is also possible to further perform the role of receiving information from the second user terminal, including information including an ID or password corresponding to the authentication information received from the second user terminal, the operation control unit (A306) If it is not a valid card, request that the first user terminal or the retailer terminal provide other card (or account) information stored in the first network card, or cancel the payment and terminate the service. Further requesting confirmation of whether or not to do so; If the second instruction to cancel the reservation payment received from the user terminal may be possible to further serves to convert the transaction "payment schedule" that is stored in the historical database as a "payment canceled."

The role of each component of the operation control unit of the payment server apparatus using the network card according to the present invention described above is only the main part of the present invention, and all the roles to which the method of making payment using a general network card can be applied. It will be possible to include further in each component.

On the other hand, one embodiment according to the present invention has been described on the premise of using a network card defined in the full text, but this is only to help the understanding of the present invention and not to apply only the network card, and the function of the network card is partially or It is also possible to replace some or all of the present invention using another card or storage medium, such as a conventional USB memory having a built-in AutoRun program.

So far we looked at one embodiment according to the present invention in detail. The scope of the present invention is not limited to the above-exemplified embodiments, and if the technical spirit of the present invention is applied, all will be said to belong to the scope of the present invention.

The present invention relates to a payment method and a server apparatus using a network card (NC) provided with a magnetic strip, an IC chip, a data storage unit (flash memory, etc.) and a USB connection unit.

Whenever you purchase goods or services, make a payment, or perform a financial transaction such as bank transfer, you have to enter credit card information such as credit card number, expiration date, and password stored in the magnetic strip of credit card every time. In addition to the inconvenience of having to separately connect the memory in which the authentication key is stored to the terminal or read out from the hard disk, there is also a waste of resources that the certification authority or bank must provide a separate memory in which the authentication key is stored. If the credit card information is not valid or if the balance of the connected financial account is insufficient, it is inconvenient to enter another credit card information and check the validity again, and the difficulty of carrying a large number of cards for this purpose. Problems of Conventional Payment Methods and Devices Which Also Have Problems According to the present invention solved,

Wherever a user has a terminal with internet access, he / she can use his / her network card to make payments or wire transfers for goods or services through a desired credit card or financial account.

In addition, a child who is a real buyer and a parent who is the final confirmer of payment receive a first network card and a second network card that are connected to each other, and the first child owned after the child as a buyer purchases goods or services. By providing network card information and making a reservation for payment by another person, it is possible to expand services such as allowing the parent who is the final verifier to authenticate and make a final payment through the second network card, thereby enabling safer financial transactions. Is also expected.

Claims (9)

In the commerce settlement method using a network card (NC) provided with a magnetic strip, an IC chip, a data storage unit and a USB connection unit, (a) The predetermined management server 300 may settle the payment price from the commerce server 400 to which the first user terminal 200a is connected or from the store terminal 700 provided at the store where the user purchased the goods or services. Receiving (301) receiving " payment request information " which includes information in a temporary database 330; Wow (b) The management server 300 includes " card (or account) information necessary for payment read from the first network card 100a connected to the first user terminal 200a or the store terminal 700. "(302) to receive from the first user terminal (200a) or the store terminal (700) and temporarily store in the information temporary database (330); Wow (c) The management server 300 receives the "payment request information" received from the commerce server 400 or the store terminal 700 and the first user terminal 200a or the store terminal 700. Reading (304) necessary information of "card (or account) information" from the information temporary database (330) and transmitting it to the financial server (600); Wow (d) The management server 300 receives (305) whether it is a valid card that can make a payment corresponding to the information transmitted in the step (c) from the financial server 600, and the payment is possible If it is a valid card (306Y), it is stored (307) as a "reservation reservation" in the transaction history database 331, and a "reservation reservation" to the commerce server 400, the retailer terminal 700 or the first user terminal 200a. "Transmitting processing details (308); Wow (e) The management server 300 reads "card (or account) information" read from the second network card 100b connected to the second user terminal 200b from the second user terminal 200b. Receiving (309); Wow (f) The management server 300 stores the payment reservation details corresponding to the "card (or account) information" of the second network card 100b received from the second user terminal 200b. Reading 310 and transmitting information to the second user terminal 200b and requesting information necessary for authentication including authentication key information; Wow (g) The management server 300 receives 312 authentication information including an authentication key from the second user terminal 200b, transmits it to the authentication server 500, and receives a corresponding authentication result. Step 313; Wow (h) the management server 300, transmitting a result of the authentication received from the authentication server 500 to the financial server 600 and requesting payment (314); Wow (i) The management server 300 receives the payment processing result from the financial server 600, and converts the "payment reservation" stored in the transaction history database 331 to "payment completed" (320) Storing (315); And (j) the management server 300, transmitting (316) the result of the payment processing to the commerce server 400 or the retailer terminal 700 and the second user terminal 200b; Payment method using a network card comprising a. The method of claim 1, Step (b) is The first user terminal 200a or the store terminal 700 includes information including an ID or a password corresponding to the card (or account) information received from the first user terminal 200a or the store terminal 700. Receiving from 303; More, Step (g) Receiving (321) information from the second user terminal (200b) including information including an ID or a password corresponding to the authentication information received from the second user terminal (200b); Payment method using a network card, characterized in that it further comprises. The method of claim 1, wherein step (d) If the card is not a valid card that can be used for payment (306N), other card (or account) information stored in the first network card 100a is provided to the first user terminal 200a or the store terminal 700. Requesting 318 or confirming 318 whether to cancel the payment and terminate the service; Payment method using a network card, characterized in that. The method of claim 1, wherein step (g) When a command to cancel the payment reservation is received from the second user terminal 200b (311Y), the "payment reservation" stored in the transaction history database 331 is switched to "cancel payment" (319) and the ( j) executing the step; Payment method using a network card, characterized in that.  A non-transitory computer-readable recording medium having recorded thereon a computer program capable of executing the method of claim 1. Receiving "payment request information" including a payment amount from a commerce server or a store terminal, receiving card (or account) information stored in a first network card from the first user terminal or store terminal, and A basic information receiver A301 for receiving authentication information stored in a second network card from a second user terminal; Wow A temporary storage unit (302) for temporarily storing various information received by the basic information receiving unit (A301) to build an information temporary database; Wow Reading and storing information stored in the temporary storage unit A302 to an authentication server or a financial server, transmitting payment reservation processing details to the commerce server or the retailer terminal and the first user terminal; An information transmitter (A303) for transmitting a result to the commerce server or the retailer terminal and the second user terminal; Wow Transaction information receiving unit for receiving the authentication result and whether the payment is possible and whether it is a valid card corresponding to the information transmitted from the financial server and the authentication server, and the transaction processing result from the financial server ( A304); Wow A transaction information storage unit A305 for storing a payment reservation history or a result of payment processing received in the transaction information receiving unit A304 and constructing a transaction history database; And An operation control unit (A306) for controlling an execution step by determining whether payment is possible and controlling the operations of the basic information receiving unit, the temporary storage unit, the information sending unit, the transaction information receiving unit, and the transaction information storing unit. ; Payment server device using a network card comprising a. The method of claim 6, wherein the basic information receiving unit (A301), Receiving information including an ID or password corresponding to card (or account) information received from the first user terminal or the store terminal from the first user terminal or the store terminal; Performing the role of receiving from the second user terminal information including an ID or a password corresponding to the authentication information received from the second user terminal; Payment server device using a network card, characterized in that. The control unit A306 of claim 6, If the payment is not a valid card, request the first user terminal or the retailer terminal to provide other card (or account) information stored in the first network card, or cancel the payment and service Performing a role of requesting confirmation of whether or not to terminate; Payment server device using a network card, characterized in that. The control unit A306 of claim 6, When the command to cancel the payment reservation is received from the second user terminal, further performing a role of converting the "payment reservation" stored in the transaction history database into "cancel payment"; Payment server device using a network card, characterized in that.

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