KR20070092400A - System and method for processing payment by using nickname - Google Patents

Abstract

A system and a method for processing payment by using a nickname are provided to offer an one-stop non-facial channel payment service for online non-facial channel payment by replacing a payment account number for a non-facial channel with the nickname. An information inputting part(115) receives nickname information set to a virtual account connected to a real account of a customer. An information storing part(120) stores the nickname to a storage medium(130) by linking with virtual/real account and customer information. An interface provider(110) transmits a payment form or window to a customer terminal when the customer performs the payment in the online network. A payment processor receives mobile number/nickname information from the customer terminal and transmits an authentication code to the mobile terminal by using the mobile number. If the authentication code is received from the customer terminal, the payment processor authenticates the customer and processes an approval for the payment by checking the virtual account.

Description

Nickname processing method and system {System and Method for Processing Payment by Using Nickname}

1 is a diagram illustrating an information registration system for online payment settlement using a nickname according to an embodiment of the present invention.

2 is a diagram illustrating the configuration of nickname information stored in a storage medium for online payment settlement using a nickname according to an embodiment of the present invention.

3 is a diagram illustrating the configuration of nickname information stored in a storage medium for online payment settlement using a nickname according to another embodiment of the present invention.

4 is a diagram illustrating the configuration of nickname information stored in a storage medium for online payment settlement using a nickname according to another embodiment of the present invention.

5 is a diagram illustrating a financial transaction channel connection process for registering nickname information through Internet banking according to an embodiment of the present invention.

6 is a diagram illustrating a method for registering nickname information through an internet banking-based financial transaction channel according to an embodiment of the present invention.

7 is a diagram illustrating a payment processing system configuration using a nickname according to an embodiment of the present invention.

8 is a diagram illustrating a security module configuration for nickname-based payment settlement according to an embodiment of the present invention.

9 is a diagram illustrating a detailed configuration of a payment processing unit that performs a nickname-based payment according to an embodiment of the present invention.

10 is a diagram illustrating an information exchange process for nickname-based payment settlement processing according to an embodiment of the present invention.

11 is a diagram illustrating an authentication process for nickname-based payment settlement processing according to an embodiment of the present invention.

12 is a diagram illustrating a payment approval process for nickname-based payment settlement processing according to an embodiment of the present invention.

<Description of main parts of drawing>

700: nickname payment server 705: interface provider

710: payment processing unit 715: shopping mall server

720: web interface unit 725: shopping mall processing unit

730: Nickname payment processing unit 735: Financial system

740: interface module 745: external system

750 account information 755 information information

The present invention provides a non-name channel payment account number of the customer's financial information by substituting a nickname, or setting the nickname in a virtual account instead of the customer's real account, and setting a predetermined limit amount in the virtual account. The present invention provides a payment processing method and system using a nickname for providing a one-stop, non-face-to-face, non-face-to-face payment service in a convenient and safe way when making online non-face-to-face payment.

With the continuous development of information and communication technology and the application of the information and communication technology in the field of finance and / or payment, various payment methods based on non-face-to-face channels have been generalized online.

Among the non-face-to-face payment methods described above, except for the micro payment method of mobile phone authentication method, the most convenient payment method for the customer is a credit card payment method in which one-stop purchase and payment are made, and the most inconvenient payment method is account transfer. (Or wire transfer) is a banking payment method.

However, in the case of the bank transfer payment method of the bank transfer (or wire transfer) method, unlike the credit card payment method, in order to process the payment in a manner similar to that of the credit card payment method, there is no immediate grace period for settlement after payment. It is difficult to provide a one-stop non-face-to-face payment system in that the financial information of the customer is directly exposed.

An object of the present invention is to input and / or receive nickname information to be set in at least one or more virtual accounts linked to a real account owned by a customer, so that the input and / or received nickname information is determined by the virtual account information designated by the customer. In connection with real account information and customer information (including customer wireless terminal information), the data is stored and registered in a predetermined storage medium, and a predetermined payment form or payment is made to the customer terminal during the online payment processing. When the client terminal transmits the customer-owned wireless terminal number information and nickname information through the payment form or the payment window from the client terminal, a predetermined authentication code is transmitted to the wireless terminal using the customer-owned wireless terminal number. If the transmission, the customer terminal transmits the authentication code sent to the wireless terminal through the payment form (form) or payment window, Receiving this process to process the customer authentication, in connection with the storage medium (or storage medium operating means), and confirms the customer information corresponding to the customer wireless terminal number information and the virtual account information connected to the nickname information, the confirmation The present invention provides a payment settlement processing system and method using a nickname to process payment approval according to the payment using the virtual account.

The payment processing method using the nickname according to the present invention comprises the steps of: inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to a real account owned by a customer from a predetermined information input / receive means; Storing the input and / or received nickname information in association with the virtual account information, the actual account information, and the customer information (including the customer wireless terminal information) designated by the customer in a predetermined information storage / registration means, and storing the nickname information in a predetermined storage medium; Registering; Transmitting a predetermined payment form or payment window from a predetermined interface providing means to a customer terminal when the payment processing is performed online by the customer; And when the customer terminal transmits customer-owned wireless terminal number information and nickname information through the payment form or the payment window, after receiving the information through the interface providing means in a predetermined payment processing means, When a predetermined authentication code is transmitted to the wireless terminal using a customer owned wireless terminal number, and the client terminal transmits an authentication code transmitted to the wireless terminal through the payment form or the payment window, the authentication code is received. Process the customer authentication, in association with the storage medium (or storage medium operating means), confirms the customer information corresponding to the customer wireless terminal number information and the virtual account information connected to the nickname information, the confirmed virtual account It characterized in that it comprises a; processing the payment approval according to the payment using.

In addition, the payment processing method using a nickname according to the present invention, the predetermined information input / receiving means for inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to the real account owned by the customer from the customer; Storing and registering the input and / or received nickname information in association with the virtual account information, the real account information, and the customer information designated by the customer in a predetermined information storage / registration means; In the payment processing of the customer online, after receiving payment request information and payment target customer identification information from the online server requesting the payment in a predetermined interface providing means, a predetermined payment form is sent to the customer terminal. transmitting a form or a payment window; And transmitting the nickname information through the payment form or the payment window from the customer terminal, after receiving the nickname information through the interface providing means from a predetermined payment processing means, the storage medium (or a storage medium). Identifying the virtual account information linked to the nickname information and the customer information corresponding to the customer identification information, and processing the payment approval according to the payment using the confirmed virtual account; Characterized in that comprises a.

In addition, the payment processing method using a nickname according to the present invention, the predetermined information input / receiving means for inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to the real account owned by the customer from the customer; Storing and registering the input and / or received nickname information in association with the virtual account information, the real account information, and the customer information designated by the customer in a predetermined information storage / registration means; Transmitting a predetermined payment form or payment window from a predetermined interface providing means to a customer terminal when the payment processing is performed online by the customer; And when the customer terminal transmits customer identification information (or customer authentication information) and nickname information through the payment form or the payment window, the predetermined payment processing means receives the information through the interface providing means. Thereafter, in association with the storage medium (or storage medium operating means), the customer information corresponding to the customer identification information (or customer authentication information) and the virtual account information connected to the nickname information are checked, and the checked virtual And processing the payment approval according to the payment using the account.

In the payment processing method using the nickname according to the present invention, the payment processing means checks the one-time authentication number or password transmitted from the customer terminal through the payment form (form) or payment window to authenticate the customer; Characterized in that further comprises.

In addition, the payment processing method using the nickname according to the present invention, when the customer wireless terminal number information is transmitted from the customer terminal through the payment form (form) or the payment window, the customer-owned wireless terminal number in the payment processing means; By transmitting a predetermined authentication code to the wireless terminal using the, and transmits the authentication code sent to the wireless terminal through the payment form (form) or payment window from the customer terminal, it receives and processes the customer authentication Characterized in that further comprises a step.

According to the present invention, the virtual account is characterized in that the virtual account is set a payment limit.

According to the present invention, the customer terminal is characterized in that it comprises at least one or more wired terminal, such as a PC, a wireless terminal, such as a mobile phone, and at least one electronic product having a communication function, such as a TV.

On the other hand, the payment processing system using a nickname according to the present invention, the information input / reception means for inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to the real account owned by the customer; Information storage / registration means for processing the input and / or received nickname information in association with virtual account information, real account information, and customer information (including customer wireless terminal information) designated by the customer and storing and registering the predetermined nickname information on a predetermined storage medium; Interface providing means for transmitting a predetermined payment form or a payment window to a customer terminal when the customer pays online; And transmitting customer-owned wireless terminal number information and nickname information through the payment form or payment window from the client terminal, after receiving the information through the interface providing means, and using the customer-owned wireless terminal number. And transmits a predetermined authentication code to the wireless terminal, and when the customer terminal transmits an authentication code transmitted to the wireless terminal through the payment form or payment window, it receives and processes the customer authentication. In association with a storage medium (or a storage medium operating means), the customer information corresponding to the customer wireless terminal number information and the virtual account information linked to the nickname information, and checks the payment using the confirmed virtual account And payment settlement processing means for processing the payment approval according to.

In addition, the payment processing system using the nickname according to the present invention, when the account holder customer receives payment request information and payment target customer identification information from the online server requesting the payment, when the payment processing online Interface providing means for transmitting a predetermined payment form or payment window to the customer terminal; And when the client terminal transmits predetermined nickname information through the payment form or payment window, receives the nickname information through the interface providing means, and stores the account information and the customer information connected with the nickname information. In connection with the storage medium (or storage medium operating means) to check the customer information corresponding to the customer identification information and the account information linked to the nickname information, and the payment approval according to the payment using the confirmed account It comprises a; payment processing means for processing the.

In addition, the payment processing system using a nickname according to the present invention, when the account holder customer is online payment processing, the interface providing means for transmitting a predetermined payment form (form) or payment window to the customer terminal; And when the client terminal transmits customer identification information (or customer authentication information) and nickname information through the payment form or the payment window, after receiving the information through the interface providing means, it is connected with the nickname information. Check the account information linked to the nickname information and the customer information corresponding to the customer identification information (or customer authentication information) in association with the storage medium (or storage medium operating means) for storing the account information and customer information, And payment processing means for processing payment approval according to the payment using the verified account.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for online payment settlement using a nickname according to an embodiment of the present invention.

In more detail, Figure 1 is a payment processing system using a nickname through a predetermined information registration interface of a customer, at least one or more virtual accounts connected to a customer owned real account for online payment payment using the nickname according to the present invention. If the nickname information to be set is provided, at least one virtual account information and customer information (and / or a customer) are connected to the customer-owned real account information and the real account in the provided nickname information in the payment processing system using the nickname. Wireless terminal information) is a system configuration for storing in the storage medium 130 in association with the process, if one of ordinary skill in the art to which the present invention refers to and / or modified by using a nickname Various implementation methods for information registration system for online payment Would have to be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, a configuration corresponding to at least one or more means and / or functional configuration for storing nickname information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The element is called "information registration server" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for online payment settlement using a nickname according to the present invention may be provided with at least one bank terminal and / or a wireline used by a customer. And an information registration terminal including at least one of a client terminal including at least one terminal and / or a wireless terminal, and the nickname through the network means. The communication channel is connected to the information registration server 100 provided on the payment processing system used.

According to an embodiment of the present invention, the customer visits the financial institution branch for online payment settlement using the nickname according to the present invention, and nicknames through a window provided at the financial institution branch (or through a teller). After filling in a predetermined application form (e.g., a document with a form for filling out at least one information item for online payment settlement using a nickname), and submitting the completed application form to the clerk The teller staff inputs (or selects) information written in the application through a predetermined teller terminal, and the teller terminal processes the payment and settlement using the nickname through the network means. It is preferable to transmit to the information registration server 100 provided on the system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the network means for connecting the teller terminal and the information registration server 100 is a financial network (for example, network) connecting the communication channel between the teller terminal and the information registration server 100; It is preferable to comprise a.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 100 are nicknames according to the present invention. It performs a function of an information registration interface for registering nickname information for online payment settlement using.

According to another exemplary embodiment of the present invention, the customer accesses the information registration server 100 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. If the user inputs (or selects) nickname information for online payment settlement using the nickname according to the present invention through at least one user interface provided by the information registration server 100, the client terminal receives a predetermined network means. It is preferable to transmit to the information registration server 100 provided on the payment processing system using the nickname.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or smart phones and / or telematics (Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

Also, the information registration server 100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 100 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, and inputs and / or selects at least one or more information through the user interface to the information registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired network connecting the client terminal and the information registration server 100 and And / or the wireless network performs the function of an information registration interface for the customer to register the nickname information for the online payment settlement using the nickname according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 135, in addition to the teller terminal and / or the client terminal, a cash automatic teller machine connected to a predetermined financial network (for example, a financial common network). An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, by which the present invention is not limited The.

In the information registration system as described above, when the information registration terminal 135 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. The financial network connecting 100 performs a function of an information registration interface for registering the nickname information for the customer to pay the online payment using the nickname according to the present invention, and / or the information registration terminal 135 In the case of the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 may be used by the customer. Perform a function of an information registration interface for registering nickname information for online payment settlement using a nickname according to the above, and / or the financial information which is the information registration terminal 135 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the agency, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information The network connecting the registration server 100 performs a function of an information registration interface for registering the nickname information for the customer to pay online payment using the nickname according to the present invention.

The storage medium 130 provided on the payment processing system using a nickname according to the present invention includes the nickname information provided from the information registration terminal 135, the nickname information, the customer owned real account information, and the real account. At least one virtual account information and customer information (and / or customer wireless terminal information) connected to and stored in association with each other, wherein the nickname information stored in the storage medium 130 is the financial institution window; and And / or for online payment settlement using the nickname according to the present invention via at least one banking system of an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system.

According to an embodiment of the present invention, the storage medium 130 is provided to a DBMS 125 on a financial system provided on the payment processing system using the nickname (or associated with the payment processing system using the nickname). Preferably, the storage medium 130 may be a ledger D / B provided in the DBMS 125 on the financial system, and / or a predetermined database associated with the ledger D / B, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or wireless banking provided on the payment processing system using the nickname. It is possible to be provided in the DBMS 400 on the system, and / or at least one or more of the TV banking system, and / or the payment processing system using the nickname according to the present invention, whereby the present invention is not limited.

The information registration server 100 provided on the payment processing system using the nickname according to the present invention is a component of the payment processing system side using the nickname connected to the information registration terminal 135 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an exemplary embodiment of the present invention, when the information registration terminal 135 is a teller terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 100 is a predetermined financial network. A ledger server provided on a financial system connected to the teller terminal and / or a financial automation device (not shown), and / or a server (or device) provided on an external system on the financial system, and / or the It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system, whereby This is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is the wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the information registration server 100 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 135 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 105 is defined in the financial network. Connects a communication channel with a teller terminal and / or a financial automation device (not shown) based on the protocol stack, and defines a financial transaction related program provided in the teller terminal and / or the financial automation device (not shown). It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

According to another embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or a wireless network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 105 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 135 accesses the information registration server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined nickname information from the information registration terminal 135 to the information registration terminal 135. And an information receiving unit 115 which receives predetermined nickname information transmitted from the information registration terminal 135 through the user interface (or selected) in association with the interface unit 105, and the received nickname. Process the nickname information in association with the customer-owned real account information and at least one virtual account information and customer information (and / or customer wireless terminal information) connected with the real account. Characterized in that formed in an information storage unit 120 to store in the storage medium 130.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 135 when a predetermined information registration terminal 135 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the nickname information to generate a predetermined user interface that can be transmitted to the information registration server 100 via the network means, and / or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit (or extracted) is characterized in that to provide to the information registration terminal 135 through the network means.

Thereafter, the information registration terminal 135 inputs (or selects) the nickname information based on the user interface, and transmits the input (or selected) nickname information to the information registration server 100 through the network means. send.

According to an exemplary embodiment of the present invention, when the information registration terminal 135 is a teller terminal and / or an automated teller machine (not shown) connected to a predetermined financial network, the interface providing unit 110 includes the teller terminal and And / or generate (or extract) a predetermined user interface that can be provided by a financial transaction-related program included in the automated teller machine (not shown), and generate the generated (or extracted) user interface through the interface unit 105. It is preferable to provide the counter terminal and / or the financial automatic device (not shown).

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Create (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV), and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105. Do.

When the information receiving unit 115 inputs (or selects) predetermined nickname information through the user interface from the information registration terminal 135 and transmits the information via the network means, the nickname is interlocked with the interface unit 105. And receiving the information, wherein the received nickname information is provided to the information storage unit.

The information storage unit 120 may include the nickname information received through the information receiving unit 115, the nickname information, the at least one virtual account information and the customer information connected to the customer-owned real account information and the real account (and And / or customer wireless terminal information) to store the information in the storage medium 130, wherein the storage medium 130 is provided in the information registration server 100 or the information registration server 100. When the information storage unit 120 is provided on the network associated with the at least one of receiving the nickname information on the storage medium 130, the nickname information is connected to the customer-owned real account information and the real account. It is preferable to store the data in association with the above virtual account information and customer information (and / or customer wireless terminal information), the storage medium 130 is provided on the financial system When provided in the, the information storage unit 120 preferably provides the received nickname information to the information system through the external system on the financial system to store.

2 is a diagram illustrating the configuration of nickname information stored in the storage medium 130 for online payment settlement using a nickname according to an embodiment of the present invention.

More specifically, FIG. 2 shows the nickname information in the ledger information provided in the ledger D / B when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS 125 on the financial system. As shown in FIG. 2, an example of an information method is stored. If a person of ordinary skill in the art belongs to the present invention, the nickname information is transmitted to the ledger D / B by referring to and / or modifying the drawing. Although various methods of constructing information may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS 125 on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , Reception ledger, loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, DBMS 125 on the financial system The ledger D / B provided in the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic receipt information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, nickname information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, whereby a window-based financial transaction based on the financial system, and / Alternatively, an internet banking based financial transaction, and / or a wireless banking based financial transaction, and / or a telebanking based financial transaction and / or a TV banking based financial transaction may provide an additional service using the nickname information.

In FIG. 2, the nickname information includes an account number and a CIF number corresponding to the customer owned real account, at least one virtual account number, and a nickname, and the nickname is at least one alphabetic and / or numeric character. And / or a combination of symbols, and / or a combination of Hangul characters and / or numeric characters and / or symbols.

Here, the nickname information is preferably matched with at least one or more virtual accounts associated with the customer-owned real account, any one of these nicknames are used for payment processing using the nickname according to the present invention, the nickname It is preferable that a predetermined payment limit amount is set for the virtual account used for the payment settlement process.

According to an exemplary embodiment of the present invention, the nickname may include information corresponding to the use and / or purpose of the customer-owned account (eg, "online payment account", "payment account", "living expense account", "bill payment account"). "," Parent money account "," child money account ", ..., etc.), and the customer's telephone number (or part of the phone number), resident registration number (or part of the social security number) according to the intention of the skilled person It may be made by including numeric information such as).

That is, the nickname includes all the information expressed to identify the account in addition to the account number from the customer's point of view, and is not limited to specific information.

According to an embodiment of the present invention, the account ledger on the ledger D / B (eg, the ledger corresponding to the account information) and / or the customer ledger (eg, through the account number and / or CIF number included in the nickname information) It is preferable to be linked to the ledger corresponding to the customer information.

According to another embodiment of the present invention, the nickname information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of information, and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, whereby the present invention is not limited.

3 is a diagram illustrating the configuration of nickname information stored in the storage medium 130 for online payment settlement using a nickname according to another embodiment of the present invention.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B provided in the DBMS 125 on the financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 3 to store the nickname information in a predetermined database in association with the ledger D / B and store the same. Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the nickname information in the ledger information of the ledger D / B on the DBMS 125 provided on the financial system (for example, the policy of the financial institution, When it is not easy to change the ledger D / B or the system expansion is not easy due to the characteristics of the financial system), the nickname information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 3 does not have to be provided on the DBMS 125 provided on the financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database associates the nickname information with at least one virtual account information and customer information (and / or customer wireless terminal information) linked with the nickname information to the customer-owned real account information and the real account. Characterized in that the processing is stored, the nickname information is preferably made to further include a CIF number corresponding to the ledger information in the nickname information to be processed in conjunction with the ledger D / B.

In FIG. 3, the nickname information is processed in association with a predetermined CIF number, customer owned real account information, at least one or more virtual account information associated with the real account, and the customer information (or customer wireless terminal information). Characterized in that is stored in the storage medium 130, characterized in that it is processed in connection with the customer's ledger stored in the ledger D / B through the CIF number.

Here, the nickname information is preferably matched with at least one or more virtual accounts associated with the customer-owned real account, any one of these nicknames are used for payment processing using the nickname according to the present invention, the nickname It is preferable that a predetermined payment limit amount is set for the virtual account used for the payment settlement process.

The nickname information may include at least one nickname, wherein the nickname is processed in association with at least one account information and / or predetermined customer information, and the nickname is at least one alphabetic character and / or Or a combination of numeric characters and / or symbols, and / or a combination of Korean characters and / or numeric characters and / or symbols.

According to an exemplary embodiment of the present invention, the nickname may include information corresponding to the use and / or purpose of the customer-owned account (eg, "online payment account", "payment account", "living expense account", "bill payment account"). "," Parent money account "," child money account ", ..., etc.) is preferably made, according to the intention of the skilled person the customer telephone number (or part of the phone number), resident registration number (or part of the resident registration number) It may be made by including numeric information such as).

That is, the nickname includes all the information expressed to identify the account in addition to the account number from the customer's point of view, and is not limited to specific information.

4 is a diagram showing the configuration of nickname information stored in the storage medium 130 for online payment settlement using a nickname according to another embodiment of the present invention.

In more detail, Figure 4 shows that the storage medium 130 shown in Figure 1 is an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or the present invention. According to the exemplary embodiment provided in the DBMS 400 provided on the payment processing system using the nickname according to the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. It is possible to infer a method of configuring information on the nickname information stored in the storage medium 130 provided in the DBMS 400 on the at least one banking system, and / or the payment processing system using the nickname according to the present invention. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the database associates the nickname information with at least one virtual account information and customer information (and / or customer wireless terminal information) linked with the nickname information to the customer-owned real account information and the real account. And storing and processing the nickname information, wherein the storage medium 130 stores at least one of an internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. It can be made by including a system.

In FIG. 4, the nickname information is processed in connection with the customer owned real account information, at least one or more virtual account information associated with the real account, and the customer information (or the customer wireless terminal information). And a predetermined storage medium 130 provided on the processing system.

Here, the nickname information is preferably matched with at least one or more virtual accounts associated with the customer-owned real account, any one of these nicknames are used for payment processing using the nickname according to the present invention, the nickname It is preferable that a predetermined payment limit amount is set for the virtual account used for the payment settlement process.

The nickname information may include at least one nickname, wherein the nickname included in the nickname information is processed in association with at least one account information and / or predetermined customer information. In addition, the nickname is characterized by consisting of a combination of at least one alphabetic and / or numeric characters and / or symbols, and / or a combination of Korean characters and / or numeric characters and / or symbols.

According to an exemplary embodiment of the present invention, the nickname may include information corresponding to the use and / or purpose of the customer-owned account (eg, "online payment account", "payment account", "living expense account", "bill payment account"). "," Parent money account "," child money account ", ..., etc.), and the customer's telephone number (or part of the phone number), resident registration number (or part of the social security number) according to the intention of the skilled person It may be made by including numeric information such as).

That is, the nickname includes all the information expressed to identify the account in addition to the account number from the customer's point of view, and is not limited to specific information.

According to another exemplary embodiment of the present invention, a predetermined nickname may be set in the customer owned real account, whereby the present invention is not limited.

5 is a diagram illustrating a financial transaction channel connection process for registering nickname information through Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 5, when the information registration system illustrated in FIG. 1 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, the Internet, etc.). After connecting to the Internet banking server and performing a predetermined customer authentication procedure, the nickname information to be set in at least one virtual account connected to the customer owned real account for online payment settlement using the nickname in the client terminal. An embodiment of the present invention relates to a method for connecting an internet banking-based financial transaction channel for registering and transmitting to the internet banking server. Those skilled in the art may refer to and / or modify the present invention. To register nickname information between the client terminal and the Internet banking server. Various implementation methods for the method of connecting an Internet banking-based financial transaction channel may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 5 is based on the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although the implementation method of connecting an internet banking-based financial transaction channel for registering nickname information between the client terminal and the Internet banking server is illustrated, those skilled in the art to which the present invention pertains are illustrated in FIG. An internet banking device for registering nickname information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using a browser program. Would be able to infer the exemplary method for connecting the financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 5, in addition to the internet banking system, and a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transaction channels for nickname registration, but the present invention may infer the telebanking system and / or wireless It includes all types of non-face-to-face channel based financial transactions, including banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, the technical configuration of the present invention being based on the Internet banking shown in FIG. It is by no means limited to this.

Hereinafter, in FIG. 5, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 100 is referred to as a "server" for convenience.

Referring to FIG. 5, when the terminal executes a predetermined browser program and accesses the server 100 through the TCP / IP based network (500), the server 100 connects the terminal and the server through the browser. A communication channel is connected to the client terminal (505), wherein the communication channel is generated (or extracted) from the server 100 at the request of a browser program provided to the client terminal to the client terminal. Transmits and allocates a predetermined communication session to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the client terminal. It means.

According to another embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server 100 is based on a predetermined communication protocol defined in the internet banking program and at least one of the Internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server 100 is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / Or by adding a predetermined script for checking whether to update the security module to provide to the terminal, the terminal is equipped with a predetermined security module for internet banking, and / or update the security module Check whether or not to do (510).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the server 100 requests the version information and / or the last update date information from the internet banking program. You can check whether you want to update the program (and / or the security module associated with the Internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (515), the server 100 may secure the latest version of the Internet banking security to the terminal according to a remote program installation procedure defined in the browser program. The module is transmitted and mounted and / or updated (520).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (525), or if the terminal does not need to mount and / or update the security module for internet banking (515), the server 100 By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server 100 to a secure channel) between the terminal and the server (100). 530, wherein the secure channel for internet banking is a predetermined electronic signature for information (or data) requiring security among information (or data) included in a web page to be provided to the terminal from the server 100. Is attached and / or encrypted and provided by at least one encryption method (and / or encryption algorithm), the terminal confirms the digital signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm) and is also provided to the server 100 to register nickname information in the terminal. Attaching a predetermined digital signature to information (or data) to be performed and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server 100 confirms the digital signature and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm).

According to another embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel is provided from the server 100 to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal verifies the electronic signature and / or the encryption method Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm), and the server (for registering the nickname information in the terminal). Attach and / or write down certain electronic signatures to information (or data) to be provided When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server 100 confirms the digital signature and / or a predetermined decryption method corresponding to the encryption method (and / or encryption algorithm) ( And / or a decoding algorithm) to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server 100 requests the terminal to perform an internet banking customer authentication procedure through the browser program (535).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server 100, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Customer authentication data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. Etc.) and input (or generate) the data to the authentication server, and authenticate the customer connected through the terminal as the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, and digitally signs and / or encrypts the data through the security module to be transmitted to the server 100 (and / or authentication server). Requesting a customer authentication (540), the server 100 (and / or authentication server) is based on the customer authentication data received from the terminal based on the customer access through the terminal for non-face-to-channel based financial transactions Authenticate as an internet banking customer (545).

If the Internet banking customer authentication fails (550), the server 100 blocks the Internet banking secure channel for the terminal (555), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (550), the server 100 converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (560), where An internet banking-based financial transaction channel refers to a communication channel that allows a terminal to transmit and register predetermined nickname information for online payment settlement using a nickname from the server 100.

6 illustrates a method of registering nickname information through an internet banking-based financial transaction channel according to an embodiment of the present invention.

In more detail, in FIG. 6, when the information registration system shown in FIG. 1 is realized through an internet banking system among non-face-to-face channel-based banking systems, the client terminal may access the Internet through the process shown in FIG. 5. After accessing a banking server and performing a predetermined customer authentication procedure, if an internet banking-based financial transaction channel is connected between the client terminal and the internet banking server, the client terminal accesses the internet banking through the internet banking-based financial transaction channel. When the predetermined nickname information for the online payment settlement using the nickname is transmitted to the server, at least one virtual connection is performed by the Internet banking server to the received nickname information and the nickname information to the customer-owned real account information and the real account. Account Information and Customer Information (and / or Customer Free) Terminal information) in connection with the predetermined method for storing in a predetermined storage medium 130, if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified the present figure 6 to the client Although it is possible to infer various nickname information registration methods using an internet banking-based financial transaction channel between the terminal and the internet banking server, the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

That is, FIG. 6 shows the Internet banking-based finance by accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. When the trading channel is connected, the nickname information transmitted from the client terminal through the browser program is used to convert the nickname information into at least one virtual account information and customer information (and / or) connected to the customer owned real account information and the real account. Although the embodiment of the present invention shows a method of storing the storage medium 130 in association with the wireless terminal information, a person having ordinary knowledge in the technical field to which the present invention belongs may use the Internet using the browser program shown in FIG. See how to register your banking-based nickname information and / May be modified to infer various forms of internet banking-based nickname information registration method between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal, but the present invention provides the Internet banking method. Provided is a method of registering an internet banking-based nickname information provided based on a program, and the present invention is not limited thereto.

In addition, if the person skilled in the art to which the present invention pertains, refer to and / or modify the Internet banking based nickname information registration method shown in FIG. It may be possible to infer a method of registering information, or a non-face-to-face channel-based nickname registration method for registering a nickname for a customer-owned account in another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system. The present invention includes all kinds of non-face-to-face channel-based nickname registration methods including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. Technical configuration of the invention is limited to the case of the Internet banking shown in FIG. By no means.

Hereinafter, in FIG. 6, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 100 is referred to as a "server" for convenience.

Referring to FIG. 6, when an internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 5, the terminal may register the nickname information for a customer-owned account. If the server requests internet banking-based nickname registration through the channel (600), the server 100 generates (or extracts) a web page corresponding to a predetermined nickname input interface for registering the nickname information (605). In operation 610, the web page is transmitted to the terminal through the generated (or extracted) web page through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the nickname input interface inputs (or selects) nickname information including at least one or more virtual account information associated with the customer owned real account information and at least one nickname to be set in the virtual account. And / or a predetermined password (eg, an account password, etc.) to confirm the validity of the nickname information and / or the Internet banking customer requesting registration of the nickname information, and / or Or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or a One Time Password (e.g., an internet banking application process (or after an internet banking application)) One-time non-generated by OTP authenticator (or OTP certification program) provided to customer It further comprises an interface to enter a number) is preferred.

In addition, the web page transmission and / or output process is preferably performed at least once according to the nickname information registration procedure, thereby not limited to the present invention.

Thereafter, the terminal inputs (or selects) nickname registration information including nickname information registration request information for linking at least one or more nickname information and the nickname information through the nickname input interface and storing the nickname information in a predetermined storage medium 130. (615).

If the terminal receives (or selects) nickname registration information including the nickname information through the nickname input interface (620), the terminal receives the nickname registration information input (or selected) through the financial transaction channel. The server 100 transmits the data to the server 100 (625).

According to an embodiment of the present invention, transmitting the nickname registration information input (or selected) through the financial transaction channel to the server 100 may include nickname registration information input (or selected) through the nickname input interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server (100).

Thereafter, the server 100 checks the validity of the nickname registration information by receiving and reading the nickname registration information through the financial transaction channel (630).

According to an embodiment of the present invention, receiving and reading the nickname registration information through the financial transaction channel to confirm validity may include decoding the nickname registration information received from the terminal and / or attached to the nickname registration information. This includes checking the digital signature.

In addition, the validation of the nickname registration information, it is preferable to further comprise authenticating the password and / or security code and / or OTP included in the nickname registration information.

If the validity of the nickname registration information is not authenticated (635), the server 100 generates a web page including predetermined nickname registration error information and transmits it to the terminal (640), and the nickname registration information. Do not perform the nickname registration procedure corresponding to the.

On the other hand, if the validity of the nickname registration information is authenticated (635), the server 100 performs the nickname information registration procedure corresponding to the nickname registration information, so that the nickname information included in the nickname registration information is used for the nickname information. The customer-owned real account information, at least one or more virtual account information and customer information (and / or customer wireless terminal information) connected to the real account are processed in association with the predetermined storage medium 130 and stored in a predetermined storage medium 130 (645). By generating a web page including the nickname information registration history information of the transmission to the terminal (650), the registration of the nickname information requested from the terminal is completed.

According to an embodiment of the present invention, the customer-owned real account information, at least one or more virtual account information and customer information (and / or customer wireless terminal information) connected to the real account, the database provided in the Internet banking system, And / or read from the ledger D / B on a financial system linked to the internet banking system, or may be input and transmitted from the terminal together with the nickname information through the nickname input interface according to the intention of a person skilled in the art. The present invention is not limited thereto.

According to an embodiment of the present invention, the storage medium 130 is located on a DBMS 125 located on a payment processing system using the nickname, and / or on a financial system associated with the internet banking system. All are possible, and this invention is not limited by this.

Hereinafter, a preferred embodiment of the online payment payment processing method using the nickname will be described through an implementation method provided on the payment processing system using the nickname according to the present invention.

However, the storage medium 130 is not limited to being provided on the payment processing system using the nickname according to the present invention, and those skilled in the art to which the present invention pertains are illustrated below. By referring to the method, various storage methods may be inferred in the storage medium 130 provided in the DBMS 125 on the financial system and / or in the at least one non-face-to-face channel based banking system. Includes all implementation methods inferred above.

7 is a diagram illustrating a payment processing system configuration using a nickname according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a nickname payment server 700 in which the storage medium 130 shown in FIG. 1 provides a payment processing service using a nickname according to the present invention in connection with at least one shopping mall server 715. The present invention relates to an implementation method provided on a system associated with the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 7 and use the nickname payment processing service according to the present invention. It will be possible to infer various implementation methods for the online payment processing system that provides the present invention, but the present invention includes all of the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, the storage medium 130 shown in FIG. 7 may be provided in the DBMS 125 provided in the financial system, and / or may be provided on at least one non-face-to-face channel based banking system. The interface providing unit 705 among the components constituting the server 700 may be provided in each shopping mall server 715, and the payment settlement processing unit 710 among the components constituting the nickname payment server 700. May be provided on the financial system, whereby the present invention is not limited.

Referring to FIG. 7 according to a preferred embodiment of the payment processing system using a nickname according to the method of the present invention, the payment processing system using the nickname includes a predetermined browser program and predetermined network means. A client terminal accessing the shopping mall server 715 on the Internet to purchase at least one product, and at least one providing a non-face-to-face product selling and payment interface to at least one customer connected through a predetermined client terminal. Nickname payment server for providing a payment processing service using the nickname according to the present invention in connection with the shopping mall server 715, at least one shopping mall server 715 through a predetermined communication means, and the nickname payment server 700 ) In conjunction with a predetermined interface means Using the nickname of the financial system that comprises processing a financial transaction services required for payment processing.

The client terminal is provided with at least one web browser for accessing the shopping mall server 715 based on a wired communication function based on TCP / IP and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one computer and / or a notebook, and the non-commercial network server 715 is connected to the shopping mall server 715 through a predetermined network means including the TCP / IP-based Internet. The communication channel for face-to-face Internet shopping is connected.

According to another exemplary embodiment of the present invention, the client terminal may be connected to the shopping mall server 715 through a wireless network (eg, IEEE 802.16x-based portable Internet) to receive a browsing-based wired web service. Terminal device may be further included, whereby the present invention is not limited.

The shopping mall server 715 connects and manages a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing an Internet shopping mall service to at least one client terminal, and the web interface unit 720. A shopping mall processing unit 725 for providing a non-face-to-face internet shopping mall service to the client terminal), in addition to a functional configuration for managing Internet shopping customers, and to customers who have purchased at least one product. Functional configuration for managing the delivery of the merchandise, nickname-based online payment service according to the present invention may further include a functional configuration for providing a credit card payment service, etc., but the general knowledge in the art If you have, at least one non-face-to-face internet shopping stand Since in response to the scan will be a variety of functional structure provided on the shopping mall server 715 can easily be inferred, a detailed description thereof will be omitted for convenience.

In addition, the shopping mall server 715 stores at least one product information necessary for the shopping mall processing unit 725 to provide a non-face-to-face internet shopping service to at least one client terminal through the web interface unit 720. And a database for storing member information about the Internet shopping customer.

The product information may include at least one item selling information (eg, provided by the shopping mall processing unit 725 to the at least one client terminal through the web interface unit 720 to provide a non-face-to-face Internet shopping service). Product name information, model information, product description information, product composition information, country of origin (or manufacturer) information, product image information, etc.) and payment amount information for the sale product.

According to an embodiment of the present invention, the payment amount information for the sale product of the product information is a payment form or payment window to a client terminal in the nickname-based payment process according to the present invention. It is preferably provided to the interface providing unit 705 for providing.

In addition, some of the merchandise sales information of the merchandise information (for example, at least one or more of product name information and / or model information and / or origin (or manufacturer) information and / or merchandise image information) may be based on the nickname based on the present invention. In the payment process, it is preferable to provide the interface providing unit 705 that provides a predetermined payment form or payment window to the client terminal.

In addition, the member information includes account information (eg, ID information and password) and personal information (eg, name, social security number, address, wireless terminal information, mail address, etc.) for a customer who has registered as a member in the shopping mall server 715. Characterized in that comprises a.

According to an embodiment of the present invention, information (eg, ID information, member name, social security number, wireless terminal information, e-mail address, etc.) matching the customer information stored in the storage medium 130 among the member information is subject to the payment. After being defined as the customer identification information, it is preferable to be provided to the interface providing unit 705 that provides a predetermined payment form or payment window to the client terminal in the nickname-based payment process according to the present invention.

Alternatively, the shopping mall server 715 and the nickname payment server identify a customer who matches each other among member information registered in the shopping mall server 715 and customer information stored in the storage medium 130 in addition to the information included in the member information. In order to define predetermined customer identification information, and to provide a predetermined payment form or payment window to the client terminal in the nickname-based payment process according to the present invention, the interface providing unit 705 is preferably provided.

According to the present invention, the shopping mall server 715 purchases at least one product by a predetermined client terminal connected to the shopping mall server 715, and uses the nickname according to the present invention as a payment settlement means for the purchased product. In the case of selecting payment, the interface providing unit 705 provides a predetermined payment form or payment window to the client terminal in the nickname-based payment process according to the present invention. Characterized by including a nickname payment processing unit 730 for providing the amount information.

According to an embodiment of the present invention, the shopping mall information provided by the nickname payment processing unit 730 to the interface providing unit 705 may include the shopping mall name information and / or nickname-based payment settlement process according to the present invention. Preferably, the payment amount corresponding to the sale product includes shopping mall account information to be deposited. Among these, the shopping mall name information is included in a payment form or a payment window and output to the client terminal. Is preferably provided to the payment processing unit performing a nickname-based payment settlement processing procedure according to the present invention.

According to an exemplary embodiment of the present invention, the information provided by the nickname payment processing unit 730 to the interface providing unit 705 corresponds to the sale product in addition to the shopping mall information and payment amount information corresponding to the sale product. Some of the product sales information may be further included. In this case, the information provided to the interface provider 705 may be included in the payment form or the payment window and provided to the client terminal.

According to another exemplary embodiment of the present invention, the nickname payment processing unit 730 provides the interface providing unit 705 with the payment target customer in addition to the shopping mall information and the payment amount information corresponding to the sale product. It may further include predetermined customer identification information corresponding to the information, in this case, the information provided to the interface provider 705 may be included in the payment form or payment window to be provided to the client terminal.

In particular, when the nickname payment processing unit 730 further provides the interface providing unit 705 with predetermined customer identification information corresponding to the payment target customer, the interface providing unit provides the storage medium 130. Confirm customer owned real account information associated with the customer information corresponding to the customer identification information, and identify at least one virtual account information (or predetermined virtual account information defined for payment) associated with the real account information; And extracting the nickname information associated with the above virtual account information, and providing the extracted virtual account information to the client terminal by being included in the payment form or the payment window, thereby inputting the nickname information in the client terminal. Can be simplified.

When there are a plurality of financial institutions that provide nickname-based payment service according to another embodiment of the present invention, the nickname payment processing unit 730 may be nicknames according to the present invention among the plurality of financial institutions in connection with the client terminal. The method may further include a function of selecting a predetermined financial institution to process the payment amount based on the payment method, and the present invention is not limited thereto.

7, according to a preferred embodiment of the present invention, the interface providing unit 705 is provided in the nickname payment server 700 associated with the shopping mall server 715 through a predetermined communication means, in this case The nickname payment processing unit 730 provides the interface providing unit 705 with the shopping mall information, payment amount information, and / or predetermined product sales information and / or predetermined customer identification information through the communication means. In this case, the interface provider 705 includes the received shopping mall information, payment amount information, and / or predetermined product sales information, and / or predetermined customer identification information in a predetermined payment window. Preferably, the nickname payment processing unit 730 is the interface providing unit 705 through the communication means for the client Further providing communication session information (eg, information for outputting the payment window to the client terminal from the nickname payment server 700 provided with the interface providing unit 705) for providing the payment window to the terminal. It is preferable.

According to one embodiment of the invention, the communication means for connecting the at least one or more shopping mall server 715 and the nickname payment server 700 preferably comprises a network with a security function added.

That is, the shopping mall server 715 encrypts the shopping mall information, payment amount information, and / or predetermined product sales information, and / or predetermined customer identification information, and transmits the encrypted information to the nickname payment server 700, and the nickname payment is performed. The server 700 may decode the information received from the shopping mall server 715 to restore the shopping mall information, payment amount information, and / or predetermined product sales information and / or predetermined customer identification information.

According to another exemplary embodiment of the present invention, the communication means for connecting the at least one shopping mall server 715 and the nickname payment server 700 may include a dedicated communication network, and the present invention is not limited thereto. .

According to another exemplary embodiment of the present invention, the communication means for connecting the at least one shopping mall server 715 and the nickname payment server 700 may include a dedicated communication network including a network in which security functions are omitted or minimized. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the interface providing unit 705 provided in the nickname payment server 700 in FIG. 7 may be provided in the shopping mall server 715. For this, the nickname payment server The 700 may provide a predetermined program corresponding to the interface provider 705 to the shopping mall server 715.

When the interface providing unit 705 is provided in the shopping mall server 715 as described above, the nickname payment processing unit 730 may provide the shopping mall information, payment amount information, and / or predetermined product sales information, and / or a predetermined customer. Identification information and the like may be immediately provided to the interface providing unit 705, where the interface providing unit 705 receives the received shopping mall information and payment amount information and / or predetermined product sales information and / or predetermined information. Customer identification information and the like is preferably provided to the client terminal by processing in the form of a payment form included in the web page output to the client terminal.

The nickname payment server 700 purchases at least one product by a predetermined client terminal connected to the shopping mall server 715, and selects a payment settlement using the nickname according to the present invention as a payment means for the purchased product. In the case, the interface providing unit 705 for providing a predetermined payment form or payment window for nickname-based payment processing according to the present invention to the client terminal, and inputs through the payment form or payment window from the client terminal ( Or a payment settlement processing unit 710 for receiving at least one nickname payment related information and processing payment using a nickname according to the present invention in connection with a predetermined financial system based on the nickname payment related information. Characterized in that made.

Here, the nickname payment related information inputted (or selected) through the payment form or the payment window and provided to the payment processing unit 710 may be withdrawn by the payment amount for nickname-based payment settlement processing according to the present invention. It is preferable to include the predetermined nickname information stored in the storage medium 130 is processed in conjunction with the virtual account information of the, further comprising the customer-owned wireless terminal number information according to each implementation method according to the present invention Or / or further include predetermined ID / PW information for customer authentication, and / or further include certificate-based customer authentication information, and / or the payment from a predetermined virtual account associated with the nickname information. Certain passwords (eg, account passwords, etc.) and / or security codes (eg, during the internet banking application process) to withdraw money The security code printed on the security card issued to the customer and / or the OTP (One Time Password) (e.g., during the internet banking application process (or after the internet banking application), provided by the financial institution to the customer (or OTP authentication program). One-time password generated through) may be further included.

The payment form or the payment window provided by the interface provider 705 to the client terminal may include nickname-based payment according to the present invention, from among at least one virtual account associated with the customer-owned real account stored in the storage medium 130. And a user interface for inputting (or selecting) predetermined nickname information stored in association with predetermined virtual account information to be withdrawn for payment processing.

The payment form or payment window may include outputting the shopping mall information and payment information and / or predetermined product sales information and / or predetermined customer identification information provided from the nickname payment processing unit 730 to the client terminal. It is desirable to.

In addition, the payment form or payment window preferably further comprises a user interface for inputting the customer-owned wireless terminal number information for customer authentication and / or payment authentication for nickname-based payment payment according to the present invention, In this case, the payment processing unit 710 having received the customer-owned wireless terminal number information generates a predetermined authentication code and transmits it to the customer-owned wireless terminal through the wireless terminal number information.

When the authentication code is transmitted to the customer-owned wireless terminal, the payment form or payment window preferably further comprises a user interface for inputting the authentication code sent to the wireless terminal, the authentication code is the payment It is transmitted to the payment processing unit 710 through a form or payment window.

In addition, the payment form or payment window is a predetermined password (eg, account password, etc.) and / or security code (eg, in the Internet banking application process) for withdrawing the payment amount from a predetermined virtual account associated with the nickname information The security code printed on the security card issued to the customer and / or the OTP (One Time Password) (e.g., during the internet banking application process (or after the internet banking application). It is preferable to further comprise a user interface for inputting the one-time password generated through).

In addition, the payment form or payment window preferably further comprises a user interface for inputting predetermined ID / PW information for customer authentication for nickname-based payment payment according to the present invention.

Here, the ID / PW information may be an ID / PW registered by the customer in the nickname payment server in the nickname registration process (not shown), and in this case, the nickname payment server informs the customer through the ID / PW. You can authenticate.

Alternatively, when the nickname payment server 700 is associated with an internet banking system associated with the financial system 735 or the nickname payment server 700 is the internet banking server, the ID / PW information may be set to the Internet. It may be an ID / PW of the customer registered in a banking system. In this case, the nickname payment server may authenticate the customer through the ID / PW in association with an internet banking system.

In addition, the payment form or payment window to perform the customer authentication for the nickname-based payment payment according to the present invention based on the authentication certificate provided on the client terminal (or provided on the IC card, available on the client terminal) It may further include a function.

In addition, the payment form or payment window is input (or selected) on the client terminal based on the authentication certificate provided in the client terminal (or provided in the IC card, available on the client terminal) and the payment processing unit ( 710) may further include a function of attaching an electronic signature to at least one nickname payment related information to be provided, wherein the payment processing unit receiving the nickname payment related information to which the electronic signature is attached checks the electronic signature, It is possible to secure confidentiality, authentication, integrity, and nonrepudiation of the nickname payment related information.

In addition, the payment form or payment window is input (or selected) on the client terminal based on the authentication certificate provided in the client terminal (or provided in the IC card, available on the client terminal) and the payment processing unit ( The method may further include a function of encrypting at least one nickname payment related information to be provided to the at least one encryption method and / or an encryption algorithm, and receiving the encrypted nickname payment related information. ) Performs a predetermined decryption function corresponding to the encryption scheme and / or encryption algorithm, thereby ensuring confidentiality, authentication, integrity, and nonrepudiation of the nickname payment related information.

According to another exemplary embodiment of the present invention, the interface providing unit 705 is associated with at least one nickname payment based on an official certificate provided in the client terminal (or provided in the IC card and available in the client terminal). A predetermined security module for encrypting information through at least one encryption method and / or an encryption algorithm may be mounted on the client terminal. In this case, the payment form or payment window is inputted from the client terminal in association with the security module. (Or selected) may further include a function of encrypting at least one nickname payment related information to be provided to the payment processing unit 710 through at least one encryption method and / or an encryption algorithm, wherein the encrypted nickname payment is performed. The payment processing unit 710 receiving the related information. By performing a predetermined decryption function corresponding to the encryption scheme and / or encryption algorithms, thereby ensuring the confidentiality nickname for payment related information, authentication, integrity and non-repudiation.

Herein, the encryption method includes at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method. Preferably, the decryption scheme matches the encryption scheme.

Of the at least one virtual account associated with the customer-owned real account stored in the storage medium 130 through the payment form or payment window in the client terminal, the payment amount for the nickname-based payment settlement processing according to the present invention When the predetermined nickname information stored in association with the predetermined virtual account information to be withdrawn is input (or selected) and transmitted, the payment processing unit 710 receives the nickname information and the storage medium 130. Identify and extract virtual account information stored in association with the nickname information from the bank, and withdraw the amount corresponding to the payment amount provided from the nickname payment processing unit 730 from the virtual account in association with a financial system in which the virtual account is opened; To the account corresponding to the shopping mall account number provided by the nickname payment processing unit 730 And that is characterized.

Further, when the client-owned wireless terminal number information is input and transmitted in order to authenticate the customer authentication and / or payment for the nickname-based payment payment according to the present invention through the payment form or the payment window in the client terminal, The payment processing unit receives the wireless terminal number information, generates a predetermined authentication code to be provided to the wireless terminal, and transmits the authentication code to the wireless terminal through a predetermined wireless network (for example, a mobile communication network). desirable.

Subsequently, when an authentication code provided to the wireless terminal is transmitted from the client terminal to the payment form or the payment window, the payment processing unit receives the authentication code and transmits the authentication code to the wireless terminal. By comparing the authentication code received through a form or payment window, it is preferable to perform customer authentication and / or payment authentication for the nickname-based payment payment according to the present invention.

In addition, a predetermined password for authenticating the nickname-based payment settlement according to the present invention (or withdrawing the payment amount from a predetermined virtual account associated with the nickname information) through the payment form or the payment window in the client terminal. When the account password is input and transmitted, for example, the payment processing unit 710 may receive the password and authenticate the received password to authenticate the nickname-based payment payment according to the present invention. .

In addition, a predetermined security for authenticating the nickname-based payment settlement according to the present invention (or withdrawing the payment amount from a predetermined virtual account associated with the nickname information) through the payment form or the payment window in the client terminal. When a code (for example, a security code printed on a security card issued to a customer during an internet banking application process) is input and transmitted, the payment processing unit 710 receives the security code and authenticates the received security code. By doing so, it is desirable to authenticate the nickname-based payment settlement according to the present invention.

In addition, a predetermined OTP for authenticating the nickname-based payment settlement according to the present invention (or withdrawing the payment amount from a predetermined virtual account associated with the nickname information) through the payment form or the payment window at the client terminal. (One Time Password) (e.g., a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after the internet banking application) is entered and transmitted, The payment processing unit 710 receives the OTP, generates a predetermined OTP authentication code corresponding to the received OTP, and compares the received OTP with the generated OTP authentication code, according to the nickname based on the present invention. It is desirable to authenticate payments.

In addition, when a predetermined ID / PW information is input and transmitted to the client terminal through the payment form or the payment window to authenticate the nickname-based payment according to the present invention, the payment processing unit 710 may receive the payment. By receiving ID / PW information and authenticating the received ID / PW, it is preferable to perform customer authentication for nickname based payment settlement according to the present invention.

Further, when the client terminal transmits the authentication certificate-based customer authentication information through the payment form or the payment window, the payment processing unit 710 is connected to the authentication server of the certification authority that issued the authentication certificate to the customer. By performing the customer authentication procedure, it is desirable to perform customer authentication for nickname based payment settlement according to the present invention.

In addition, when a predetermined electronic signature is transmitted to at least one or more nickname payment related information input (or selected) through the payment form or the payment window in the client terminal, the payment settlement processing unit 710 may transmit the electronic signature. It is preferable to check the validity of the received nickname payment related information by receiving the attached nickname payment related information and confirming the electronic signature attached to the nickname payment related information.

Further, when at least one nickname payment related information input (or selected) through the payment form or payment window in the client terminal is encrypted and transmitted through at least one encryption method and / or encryption algorithm, the payment processing unit 710 receives the encrypted nickname payment related information, and decrypts the received nickname payment related information through a predetermined decryption method and / or decryption algorithm corresponding to the encryption method and / or an encryption algorithm. It is desirable to check the validity of the nickname payment related information.

Here, the decryption method includes at least one decryption method among symmetric key (or secret key) decryption method, and / or public key decryption method, and / or electronic envelope decryption method, and / or key exchange decryption method. desirable.

The nickname payment server 700 is associated with the financial system 735 through a predetermined interface means, whereby the nickname payment server 700 connects to the financial system 735 through the interface means. Approach can perform a financial transaction procedure for nickname-based payment settlement according to the present invention.

According to one embodiment of the invention, the interface means for connecting the nickname payment server 700 and the financial system 735 preferably comprises a predetermined dedicated communication network (for example, financial common network), thereby The financial transaction procedure in which the nickname settlement server 700 processes the nickname-based payment settlement according to the present invention in connection with the financial system 735 is not exposed to the outside.

According to another exemplary embodiment of the present invention, the interface means for connecting the nickname payment server 700 and the financial system 735 may include a network to which a security function is added, whereby the nickname payment server The financial transaction procedure 700 processes the nickname based payment settlement according to the present invention in connection with the financial system 735 is stably processed.

According to another embodiment of the present invention, when there are a plurality of financial institutions that provide nickname-based payment service, the payment processing unit 710 is connected with a plurality of financial systems 735 corresponding to the plurality of financial institutions. It is possible to perform a financial transaction procedure for processing nickname-based payment settlement according to the present invention, whereby the present invention is not limited.

The financial system 735 is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. An accounting system 750 for processing window services such as credit or receiving or trust or foreign exchange, an information system 755 for processing of headquarters operations, branch office information support and customer information management, and the financial system 735; Various electronic financial services (e.g. Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), other currency exchange, call center, financial settlement, etc. by connecting with external computer networks including homes, businesses, retailers and card companies Corresponding to the middleware platform that provides interfacing between components in the external system 745 and the financial system 735 to provide a Stores the interface module 740 and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system 735. And a database management system (DBMS 125) including at least one database to be managed, the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) According to the purpose and characteristics of the financial system 735, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Those skilled in the art to which the present invention pertains will clearly understand the technical details of the financial system 735, and the detailed description thereof will be provided for convenience. Strategy, and to which the present invention is not limited.

According to the implementation method of the present invention, the foreign system 745 of the financial system 735 performs a financial transaction service corresponding to the nickname-based online payment service requested from the nickname payment server 700 through a predetermined interface means. It is preferable that a nickname payment unit for processing is provided.

8 is a diagram illustrating a security module configuration for nickname-based payment settlement according to an embodiment of the present invention.

More specifically, Figure 8 is a configuration of the security module provided in the client terminal for the nickname-based payment settlement according to the present invention, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure And / or may be modified to infer various implementation methods for configuring a security module for nickname-based payment settlement, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

For example, the security module shown in FIG. 8 may be included in a payment form or a payment window provided by the interface providing unit 705 to the client terminal, whereby the present invention is not limited thereto.

Referring to FIG. 8, a security module linked to a payment form or a payment window provided to the client terminal for nickname-based payment payment, information (eg, nickname information, etc.) input through the payment form or payment window. Information generating unit 800 for generating a predetermined nickname payment-related information, including an electronic signature unit 805 attaching a predetermined electronic signature to the nickname payment-related information generated by the information generator 800, An encryption processing unit 810 for encrypting nickname payment related information generated by the information generating unit 800 and / or nickname payment related information to which a predetermined electronic signature is attached through the electronic signature unit 805, and the electronic signature and And / or a communication processor 815 for transmitting encrypted nickname payment related information to the nickname payment server 700 through a predetermined network means. It shall be.

In addition, the communication processing unit 815 may receive information (eg, shopping mall information, payment amount information, etc.) for the nickname payment settlement processing encrypted by the nickname payment server 700 through the network means. The encryption processing unit 810 is characterized in that the decrypted information for the encrypted nickname payment payment processing, the information for the decrypted nickname payment payment processing is preferably output through the payment form or payment window.

According to an embodiment of the present invention, the user interface output on the payment form or payment window is made through a Hyper-Text Markup Language (HTML) compatible web document based on HTTP (Hyper-Text Transfer Protocol) protocol. The form or payment window preferably receives the web document and reads the HTML protocol (and / or at least one or more other protocols such as XML compatible with the HTML) included in the web document and outputs it to the payment form or payment window. Do.

In addition, the payment form or payment window includes a user interface for inputting and / or selecting at least one or more information to be transmitted to the nickname payment server 700 through the network means, wherein the user interface includes the predetermined key. Input and / or select at least one or more information to be transmitted to the nickname payment server 700 in conjunction with an input device, the input and / or selected information is preferably input to the information generating unit of the security module.

The information generating unit 800 may generate predetermined nickname payment related information including at least one or more information (eg, nickname information, etc.) input (or selected) through the payment form or the payment window.

For example, the information input through the payment form or the payment window may include nickname information and / or wireless terminal number information, and payment authentication information including at least one of a password, a security code, and an OTP.

According to another exemplary embodiment of the present invention, the information generating unit 800 processes the information input through the payment form or the payment window in response to a predetermined data structure promised with the nickname payment server 700. It is preferable.

The electronic signature unit 805 generates a predetermined hash code by applying the nickname payment related information generated by the information generation unit 800 to a predetermined one-way hash function, and is provided in the client terminal (eg, the Read a nickname-based payment payment customer private key from an IC certificate provided in a memory unit of the client terminal and / or provided in an IC chip and / or an IC card interworking with an IC card reader provided in the client terminal, The digital signature is attached to the nickname payment related information generated by the information generation unit 800 by encrypting the hash code with the nickname-based payment settlement customer private key and concatenating the nickname payment related information and the encrypted hash code. Characterized in that.

Those skilled in the art will be able to infer various digital signature methods in addition to the digital signature method as described above, but the present invention includes all the types of digital signature methods that can be inferred. It is not limited by the digital signature method.

The encryption processing unit 810 may include at least one encryption method for nickname payment related information generated by the information generator 800 and / or nickname payment related information with an electronic signature attached by the electronic signature unit 805. And encrypting through an encryption algorithm, wherein the encryption method and the encryption algorithm include an encryption method and an encryption algorithm capable of decrypting the encrypted nickname payment related information in the nickname payment server 700. .

According to the exemplary embodiment of the present invention, the encryption method for encrypting the nickname payment related information in the encryption processing unit 810 may be a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope. Preferably, at least one of an encryption method and / or a key exchange encryption method is included. The encryption method is a decryption method used by the nickname payment server 700 to decrypt the encrypted nickname payment related information. It is desirable to match.

According to an exemplary embodiment of the present invention, at least one or more key values used by the encryption processing unit 810 to encrypt the nickname payment related information are extracted from an authorized certificate provided to the client terminal, and / or the client terminal. And extracting from a certificate server of a certification authority connected through a network means and / or a directory linked to the certificate server, and the present invention is not limited thereby.

The communication processor 815 may be configured to transmit the electronic signature and / or encrypted nickname payment related information to the nickname payment server 700 through the network means.

When the payment form or payment window receives at least one or more packets corresponding to information for encrypted nickname payment settlement processing from the nickname payment server 700 through the network means, the communication processing unit 815 from the packet Restoring the information for the nickname payment payment processing encrypted by the nickname payment server 700, the information for the restored nickname payment payment processing (for example, nickname payment payment processing encrypted by the nickname payment server 700) Information) to the encryption processing unit 810 to be decrypted.

In addition, when information for nickname payment settlement processing encrypted by the nickname payment server 700 is provided from the communication processing unit 815, the encryption processing unit 810 may obtain at least information for the encrypted nickname payment settlement process. It is characterized by decoding through one or more decoding methods and / or decoding algorithms.

According to the exemplary embodiment of the present invention, the decryption scheme for decrypting the encrypted nickname payment information in the encryption processing unit 810 may include a symmetric key (or secret key) decryption scheme, and / or a public key decryption scheme, and And / or at least one of an electronic envelope decryption scheme and / or a key exchange decryption scheme, wherein the decryption scheme is used by the nickname payment server 100 to encrypt information for the nickname payment settlement process. It is desirable to match the encryption scheme.

According to one embodiment of the present invention, at least one or more key values used by the encryption processing unit 810 to decrypt information for nickname payment processing are extracted from an authorized certificate provided to the client terminal, and / or It is possible to extract both from the authentication server of the certificate authority and / or the directory associated with the authentication server connected via the client terminal and the network means, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined electronic signature is attached to the information for nickname payment settlement processing decrypted by the encryption processing unit 810, the electronic signature unit is attached to the information for the nickname payment settlement process. An electronic signature-based validity authentication procedure for information for processing the nickname payment settlement (e.g., confidentiality, authentication, integrity, and the like for the information for processing the nickname payment settlement) through an attached electronic signature. It is advisable to perform further nonrepudiation procedures.

The information for nickname payment settlement processing decrypted by the encryption processing unit 810 is preferably provided to the payment form or payment window and output through the screen output device.

9 is a diagram illustrating a detailed configuration of a payment processing unit that performs a nickname-based payment settlement according to an embodiment of the present invention.

In more detail, Figure 9 is for the security function configuration of the payment processing unit provided in the nickname payment server for the nickname-based payment settlement according to the present invention, if one of ordinary skill in the art Although various implementation methods for performing nickname-based payment settlement may be inferred by referring to and / or modifying the drawing 9, the present invention includes all the execution methods inferred above, and only with the implementation method shown in this drawing 9 It is not limited.

Those skilled in the art to which the present invention pertains may refer to and / or modify the functional configuration shown in FIG. 9 to perform nickname-based payment as shown in FIG. Various functions that can be performed through the payment processing unit may be inferred from other functional configurations, but the present invention includes all the inferred implementation methods.

Referring to FIG. 9, a payment settlement processing unit 710 performing nickname-based payment settlement accesses the high-speed wireless Internet in cooperation with the web interface unit 720 to communicate with the nickname payment server 700 for internet banking. Receiving unit 900 for receiving the electronic signature and / or encrypted nickname payment information from the client terminal connected to the channel, and the encryption scheme and / or encryption algorithm used for the encrypted nickname payment information in the client terminal And an encryption unit 905 for decrypting using a decryption method and / or a decryption algorithm, and an electronic signature verification unit 910 for confirming an electronic signature attached to the decrypted nickname payment related information.

The receiving unit 900 may receive electronic signature and / or encrypted encrypted nickname payment related information from the client terminal.

According to an embodiment of the present invention, the electronic signature and / or encryption for the nickname payment related information in the client terminal is preferably processed based on the public certificate provided in the client terminal.

When the encryption unit 905 receives the electronic signature and / or encrypted nickname payment related information from the client terminal through the receiving unit 900, the encryption scheme used for the encrypted nickname payment related information in the client terminal. And / or decrypt through a decryption method and / or a decryption algorithm corresponding to an encryption algorithm, wherein the decrypted nickname payment related information is provided to the digital signature checker 910.

According to an embodiment of the present invention, the decryption scheme for decrypting the encrypted nickname payment-related information in the encryption unit 905 may be a symmetric key (or secret key) decryption scheme, and / or a public key decryption scheme, and / or electronic. It is preferable to include at least one or more of an envelope decryption scheme and / or a key exchange decryption scheme, and the decryption scheme is preferably matched with an encryption scheme used for encrypting the nickname payment related information in the client terminal.

According to an embodiment of the present invention, at least one or more key values for the encryption unit 905 to decrypt the encrypted nick name payment related information are extracted from the server-side authorized certificate provided in the database, and / or Extracted from at least one or more terminal-side certificate copies provided in the database, and / or from a certificate server of a certification authority connected to the nickname payment server 700 through a predetermined communication network and / or a directory linked to the certificate server. It is possible to be all, and the present invention is not limited thereby.

The electronic signature checker 910 checks whether the electronic signature is attached to the decrypted nickname payment related information, and if the predetermined electronic signature is attached to the nickname payment related information, encrypts the private key. And decode a hash code included in the nickname payment related information into the terminal-side public key, and prescribe a nickname payment related information included in the nickname payment related information through a one-way hash function identical to the one-way hash function used in the client terminal. After generating the hash code, by comparing and authenticating the decrypted hash code and the generated hash code, the confidentiality, authentication, integrity and non-repudiation of the nickname payment-related information is secured.

According to an embodiment of the present invention, the at least one key value for the electronic signature verification unit 910 to confirm the electronic signature attached to the nickname payment related information is extracted from at least one terminal-side certificate copy provided in the database. And / or may be extracted from the authentication server and / or the directory associated with the authentication server of the authentication authority connected to the nickname payment server 700 via a predetermined communication network, thereby limiting the present invention No.

Hereinafter, a representative payment processing method among various payment processing methods inferred through the nickname-based payment processing system shown in FIG. 7 will be described.

However, the nickname-based payment processing method according to the present invention is not limited to only the implementation method shown below, and the nickname-based payment processing method of the present invention is based on the nickname-based payment processing system configuration shown in FIG. It is characterized by including all the possible implementation methods inferred.

10 is a diagram illustrating an information exchange process for nickname-based payment settlement processing according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a method for processing nickname-based payment by receiving the nickname payment server when the customer-owned wireless terminal number information and nickname information are transmitted through a payment form or a payment window provided to the client terminal. As those skilled in the art to which the present invention pertains, various nickname-based payment settlement methods corresponding to the system configuration shown in FIG. 7 may be inferred by referring to and / or modifying the present invention. The present invention includes all the inferred nickname-based payment settlement methods, and is not limited to the implementation method shown in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 10 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 10, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 10, the terminal accesses the shopping mall server 715 and performs at least one non-face-to-face internet shopping procedure provided by the shopping mall server 715 (1000). During the internet shopping procedure, the shopping mall server 715 periodically checks whether the terminal purchases at least one product (1005), and if the terminal purchases at least one product (1010), the shopping mall server In operation 715, the terminal determines whether the payment means for paying the payment amount for the purchased product is selected as the nickname-based payment means according to the present invention.

If the payment means for paying the payment amount for the purchased product is not a nickname-based payment means according to the present invention (1020), the shopping mall server 715 performs a payment processing procedure corresponding to the selected payment means. Perform (1025).

If the payment means for paying the amount of payment for the purchased product is a nickname-based payment means according to the present invention (1020), the shopping mall server 715 to the server 700 predetermined shopping mall information and payment amount In operation 1030, nickname payment information including at least one information may be provided.

According to an embodiment of the present invention, the nickname payment information may further include at least one or more product sales information and / or predetermined customer identification information defined between the shopping mall server 715 and the server 700. Thereby, this invention is not limited.

The nickname payment information may further include communication session information for the server 700 to provide a predetermined payment form or payment window to the terminal.

Thereafter, the server 700 outputs a payment form or payment window including a user interface for inputting predetermined nickname information and wireless terminal number information to the terminal (1035), and the terminal is included in the payment form or payment window. Based on the user interface, predetermined nickname information, wireless terminal number information, and predetermined payment authentication information are input (1040).

According to an embodiment of the present invention, the payment authentication information may be a predetermined password (eg, an account password, etc.) and / or a security code (eg, the Internet) for withdrawing the payment amount from a predetermined virtual account associated with the nickname information. The security code printed on the security card issued to the customer during the banking application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application). Or one-time password generated through an OTP authentication program).

In addition, the payment authentication information may be made to further include a certificate-based authentication information, whereby the present invention is not limited.

Thereafter, the terminal generates predetermined nickname payment related information including the nickname information, wireless terminal number information, and predetermined payment authentication information (1045), and attaches a predetermined electronic signature to the nickname payment related information (1045). In operation 1050, the nickname payment related information is encrypted using at least one encryption method and / or encryption algorithm (1055).

If the electronic signature and / or encryption for the nickname payment related information is completed (1060), the terminal transmits the electronic signature and / or encrypted nickname payment related information to the server (1065).

11 is a diagram illustrating an authentication process for nickname-based payment settlement processing according to an embodiment of the present invention.

In more detail, Figure 11 illustrates a method for processing a nickname-based payment by receiving the nickname payment server when the customer-owned wireless terminal number information and nickname information are transmitted through a payment form or a payment window provided to the client terminal. As those skilled in the art to which the present invention pertains, various nickname-based payment settlement methods corresponding to the system configuration shown in FIG. 7 may be inferred by referring to and / or modifying the present invention. The present invention includes all the inferred nickname-based payment settlement methods, and is not limited to the implementation method illustrated in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 11 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 11, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 11, when nickname payment related information inputted (or selected) from the terminal through a payment form or payment window is transmitted through an electronic signature and / or encrypted, the server receives the nickname payment related information to confirm the electronic signature. And / or perform a decoding process (1100).

According to the exemplary embodiment of the present invention, the digital signature verification and / or decryption process is preferably matched with the digital signature attachment and / or encryption process performed on the nickname payment related information in the terminal.

If the electronic signature verification and decoding process for the nickname payment related information is completed (1105), the server extracts the radio terminal number information included in the nickname payment related information (1110) and corresponds to the radio terminal number information. After generating a predetermined authentication code to be transmitted to the wireless terminal (1115), the generated authentication code is transmitted to the wireless terminal through a predetermined wireless network (1120).

Thereafter, the authentication code transmitted to the wireless terminal is input through the payment form or the payment window output to the terminal (1125), and the terminal transmits the authentication code input through the payment form or the payment window to the server 700. In order to encrypt through at least one encryption method and / or encryption algorithm (1130).

If the encryption for the authentication code is completed (1135), the terminal transmits the encrypted authentication code to the server 700 (1140), the server 700 receives and decrypts the authentication code ( 1145).

According to the embodiment of the present invention, the decryption process is preferably matched with the encryption process performed for the authentication code in the terminal.

Thereafter, the server 700 compares and authenticates the authentication code transmitted to the wireless terminal and the authentication code received from the terminal (1150).

If the authentication code is not authenticated (1155), the server 700 generates a predetermined nickname-based payment error information and transmits it to the terminal (for example, to a payment form or payment window output to the terminal) (1160). ), And ends the nickname-based payment process according to the present invention.

If the authentication code is authenticated (1155), the server 700 extracts the nickname information from the nickname payment related information and performs a nickname-based payment settlement process according to the present invention.

12 is a diagram illustrating a payment approval process for nickname-based payment settlement processing according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates that the nickname payment server 700 receives the nickname payment server 700 and processes the nickname-based payment payment when the customer-owned wireless terminal number information and the nickname information are transmitted through the payment form or the payment window provided to the client terminal. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various nickname-based payment settlement methods corresponding to the system configuration shown in FIG. Although the present invention may include all of the inferred nickname-based payment settlement methods, the present invention is not limited to the implementation method illustrated in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 12 may be changed, omitted, or added, and / or exchanged between the client terminal, the shopping mall server 715, and the nickname payment server. It is possible for some of the information to be omitted or further added, thereby not limiting the invention.

In FIG. 12, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 12, the server 700 extracts nickname information included in nickname payment related information received through a payment form or a payment window from the terminal, and is connected with the nickname information from the storage medium 130. After extracting the predetermined virtual account information (1200), the validity of the virtual account information is checked through the payment authentication information included in the nickname payment related information (1205).

According to an embodiment of the present invention, a method of confirming validity of the virtual account information through the payment authentication information may include a password (eg, an account password) and / or a security code (eg, included in the payment authentication information). The OTP authenticator provided to the customer by the financial institution during the Internet banking application process and the security code printed on the security card issued to the customer and / or the One Time Password (eg, after the internet banking application process (or after internet banking application)). (Or a one-time password generated through an OTP authentication program), the method may include checking whether the payment amount can be withdrawn from the virtual account.

If the validity of the virtual account is not authenticated (1210), the server 700 generates a predetermined nickname-based payment error information and transmits it to the terminal (for example, to the payment form or payment window output to the terminal). By 1212, the nickname-based payment process according to the present invention is terminated.

On the other hand, if the validity of the virtual account is authenticated (1210), the server 700 is linked with the financial system 735 in which the virtual account is opened, the virtual account information and shopping mall information (e.g. shopping mall account number) and A financial transaction procedure for nickname-based payment processing according to the present invention is performed through the payment amount information (1220).

According to the implementation method of the present invention, the financial transaction procedure for nickname-based payment settlement process withdraws the amount corresponding to the payment amount from the virtual account, and deposits the withdrawn amount into the shopping mall account. It is preferable to comprise.

In particular, the financial transaction procedure for nickname-based payment may further include a step of imposing a predetermined payment fee before depositing the amount withdrawn from the virtual account into the shopping mall account.

If the financial transaction procedure for nickname-based payment processing is completed (1225), the server 700 links with the financial system 735 to provide predetermined nickname payment history information corresponding to the nickname-based payment processing. In operation 1235, the generated nickname payment history information is transmitted to the terminal (eg, a payment form or a payment window output to the terminal) and output (1235).

13 is a diagram illustrating an information exchange process for nickname-based payment settlement processing according to another embodiment of the present invention.

In detail, FIG. 13 illustrates that the nickname payment server 700 receives predetermined payment request information and payment target customer identification information from the shopping mall server 715 and then responds to the client identification information to the client terminal. Outputs a payment form or payment window requesting nickname information, and if nickname information corresponding to the customer identification information is transmitted through the payment form or payment window, the nickname payment server 700 receives the nickname-based payment payment. As the embodiment of the present invention relates to those skilled in the art to which the present invention pertains, various nickname-based payment settlement methods corresponding to the system configuration shown in FIG. It may be inferred, but the present invention includes all the inferred nickname-based payment method, It is not limited only to the implementation method shown in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 13 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 13, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 13, the terminal accesses the shopping mall server 715 and performs at least one non-face-to-face internet shopping procedure provided by the shopping mall server 715 (1300). During the internet shopping procedure, the shopping mall server 715 periodically checks whether the terminal purchases at least one product (1305), and if the terminal purchases at least one product (1310), the shopping mall server In operation 1715, the terminal determines whether the payment means for paying the payment amount for the purchased product is selected as the nickname-based payment means according to the present invention.

If the payment means for paying the payment amount for the purchased product is not a nickname-based payment means according to the present invention (1320), the shopping mall server 715 performs a payment processing procedure corresponding to the selected payment means. Perform (1325).

If the payment means for paying the amount of payment for the purchased product is a nickname-based payment means according to the present invention (1320), the shopping mall server 715 to the server 700 predetermined shopping mall information and payment amount In operation 1330, nickname payment information including information, predetermined payment request information, and at least one payment target customer identification information may be provided.

According to an embodiment of the present invention, the nickname payment information may further include at least one or more product sales information and / or predetermined customer identification information defined between the shopping mall server 715 and the server 700. Thereby, this invention is not limited.

The nickname payment information may further include communication session information for the server 700 to provide a predetermined payment form or payment window to the terminal.

Thereafter, the server 700 outputs a payment form or a payment window including a user interface for inputting predetermined nickname information to the terminal (1335), and the terminal is based on the user interface included in the payment form or the payment window. Predetermined nickname information and predetermined payment authentication information are input (1340).

According to an embodiment of the present invention, the payment authentication information may be a predetermined password (eg, an account password, etc.) and / or a security code (eg, the Internet) for withdrawing the payment amount from a predetermined virtual account associated with the nickname information. The security code printed on the security card issued to the customer during the banking application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application). Or a one-time password generated through an OTP authentication program).

In addition, the payment authentication information may be made to further include a certificate-based authentication information, whereby the present invention is not limited.

Subsequently, the terminal generates predetermined nickname payment related information including the nickname information and predetermined payment authentication information (1345), attaches a predetermined electronic signature to the nickname payment related information (1350), and the nickname. The payment related information is encrypted using at least one encryption method and / or encryption algorithm (1355).

If the electronic signature and / or encryption for the nickname payment related information is completed (1360), the terminal transmits the electronic signature and / or encrypted nickname payment related information to the server (1365).

14 is a diagram illustrating an authentication process for nickname-based payment settlement processing according to another embodiment of the present invention.

In detail, FIG. 14 illustrates that the nickname payment server 700 receives predetermined payment request information and payment target customer identification information from the shopping mall server 715 and then responds to the client identification information to the client terminal. Outputs a payment form or payment window requesting nickname information, and if nickname information corresponding to the customer identification information is transmitted through the payment form or payment window, the nickname payment server 700 receives the nickname-based payment payment. As the embodiment of the present invention relates to those skilled in the art to which the present invention pertains, various nickname-based payment and settlement methods corresponding to the system configuration shown in FIG. It may be inferred, but the present invention includes all the inferred nickname-based payment method, It is not limited to the implementation method shown in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 14 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 14, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 14, when the nickname payment related information input (or selected) through the payment form or the payment window is transmitted from the terminal through electronic signature and / or encrypted, the server 700 receives the nickname payment related information. The electronic signature verification and / or decryption process is performed (1400).

According to the exemplary embodiment of the present invention, the digital signature verification and / or decryption process is preferably matched with the digital signature attachment and / or encryption process performed on the nickname payment related information in the terminal.

If the electronic signature verification and decoding process for the nickname payment related information is completed (1405), the server 700 receives the nickname information included in the nickname payment related information received through the payment form or the payment window in the terminal. Extract the predetermined virtual account information associated with the nickname information from the storage medium 130 (1410), and verify the validity of the virtual account information through payment authentication information included in the nickname payment related information. (1415).

According to an embodiment of the present invention, a method of confirming validity of the virtual account information through the payment authentication information may include a password (eg, an account password) and / or a security code (eg, included in the payment authentication information). The OTP authenticator provided to the customer by the financial institution during the Internet banking application process and the security code printed on the security card issued to the customer and / or the One Time Password (eg, after the internet banking application process (or after internet banking application)). (Or a one-time password generated through an OTP authentication program), the method may include checking whether the payment amount can be withdrawn from the virtual account.

If the validity of the virtual account is not authenticated (1420), the server 700 generates predetermined nickname-based payment error information and transmits it to the terminal (eg, to a payment form or payment window output to the terminal). By (1425), the nickname-based payment process according to the present invention ends.

On the other hand, if the validity of the virtual account is authenticated (1420), the server 700 extracts the radio terminal number information associated with the virtual account information from the storage medium 130 (1430), the radio terminal number information After generating a predetermined authentication code to be transmitted to a wireless terminal corresponding to (1435), and transmits the generated authentication code to the wireless terminal through a predetermined wireless network (1440).

Then, the authentication code transmitted to the wireless terminal is input through the payment form or payment window output to the terminal (1445), the terminal transmits the authentication code input through the payment form or payment window to the server 700. In order to encrypt through at least one encryption method and / or encryption algorithm (1450).

If the encryption for the authentication code is completed (1455), the terminal transmits the encrypted authentication code to the server 700 (1460).

15 is a diagram illustrating a payment approval process for nickname-based payment settlement processing according to another embodiment of the present invention.

In detail, FIG. 15 illustrates that the nickname payment server 700 receives predetermined payment request information and payment target customer identification information from the shopping mall server 715 and then responds to the client identification information to the client terminal. Outputs a payment form or payment window requesting nickname information, and if nickname information corresponding to the customer identification information is transmitted through the payment form or payment window, the nickname payment server 700 receives the nickname-based payment payment. As the embodiment of the present invention, those skilled in the art to which the present invention pertains, various nickname-based payment settlement methods corresponding to the system configuration shown in FIG. It may be inferred, but the present invention includes all the inferred nickname-based payment method, It is not limited to the implementation method shown in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 15 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 15, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 15, when the authentication code is transmitted from the terminal, the server 700 receives and decrypts the authentication code (1500).

According to the embodiment of the present invention, the decryption process is preferably matched with the encryption process performed for the authentication code in the terminal.

Thereafter, the server 700 compares and authenticates the authentication code transmitted to the wireless terminal and the authentication code received from the terminal (1505).

If the authentication code is not authenticated (1510), the server 700 generates a predetermined nickname-based payment error information and transmits it to the terminal (for example, by transmitting to a payment form or payment window output to the terminal) (1515). ), And ends the nickname-based payment process according to the present invention.

On the other hand, if the authentication code is authenticated (1510), the server 700 is linked to the financial system 735 in which the virtual account is opened, the virtual account information, shopping mall information (e.g. shopping mall account number) and payment amount information Through 1515, a financial transaction procedure for nickname-based payment processing according to the present invention is performed.

According to the implementation method of the present invention, the financial transaction procedure for nickname-based payment settlement process withdraws the amount corresponding to the payment amount from the virtual account, and deposits the withdrawn amount into the shopping mall account. It is preferable to comprise.

In particular, the financial transaction procedure for nickname-based payment may further include a step of imposing a predetermined payment fee before depositing the amount withdrawn from the virtual account into the shopping mall account.

If the financial transaction procedure for nickname-based payment processing is completed (1525), the server generates predetermined nickname payment history information corresponding to the nickname-based payment processing in connection with the financial system (1530). The generated nickname payment history information is transmitted to the terminal (eg, a payment form or a payment window output to the terminal) and output (1535).

16 is a diagram illustrating an information exchange process for nickname-based payment settlement processing according to another embodiment of the present invention.

In more detail, in FIG. 16, when the customer identification information and the nickname information are transmitted through the payment form or the payment window provided to the client terminal, the nickname payment server 700 receives the virtual identification information corresponding to the customer identification information and the nickname information. The present invention relates to a method of processing a nickname-based payment settlement using an account, and a person skilled in the art may refer to and / or modify the system of FIG. 16 to configure the system illustrated in FIG. Various nickname-based payment settlement methods corresponding to the above may be inferred, but the present invention includes all the inferred nickname-based payment settlement methods and is not limited to the implementation method illustrated in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 16 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 16, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 16, the terminal accesses the shopping mall server 715 and performs at least one non-face-to-face internet shopping procedure provided by the shopping mall server 715 (1600). During the internet shopping procedure, the shopping mall server 715 periodically checks whether the terminal purchases at least one product (1605), and if the terminal purchases at least one product (1610), the shopping mall server In operation 1715, the terminal determines whether the payment means for paying the payment amount for the purchased product is selected as the nickname-based payment means according to the present invention.

If the payment means for paying the payment amount for the purchased product is not a nickname-based payment means according to the present invention (1620), the shopping mall server 715 performs a payment processing procedure corresponding to the selected payment means. Perform (1625).

If the payment means for paying the amount of payment for the purchased product is a nickname-based payment means according to the present invention (1620), the shopping mall server 715 to the server 700 predetermined shopping mall information and payment amount In operation 1630, nickname payment information including at least one information may be provided.

According to an embodiment of the present invention, the nickname payment information may further include at least one or more product sales information and / or predetermined customer identification information defined between the shopping mall server 715 and the server 700. Thereby, this invention is not limited.

The nickname payment information may further include communication session information for the server 700 to provide a predetermined payment form or payment window to the terminal.

Thereafter, the server 700 outputs a payment form or a payment window including a user interface for inputting predetermined nickname information and customer identification information to the terminal (1635), and the terminal includes a user included in the payment form or the payment window. Based on the interface, predetermined nickname information, customer identification information, and predetermined payment authentication information are input (1640).

According to an embodiment of the present invention, the customer identification information preferably includes at least one or more of predetermined ID / PW information, and / or public certificate-based authentication information.

According to an embodiment of the present invention, the payment authentication information may be a predetermined password (eg, an account password, etc.) and / or a security code (eg, the Internet) for withdrawing the payment amount from a predetermined virtual account associated with the nickname information. The security code printed on the security card issued to the customer during the banking application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application). Or one-time password generated through an OTP authentication program).

In addition, the payment authentication information may be made to further include a certificate-based authentication information, whereby the present invention is not limited.

Subsequently, the terminal generates predetermined nickname payment related information including the nickname information, customer identification information, and predetermined payment authentication information (1645), and attaches a predetermined electronic signature to the nickname payment related information (1650). In operation 1655, the nickname payment related information is encrypted using at least one encryption method and / or encryption algorithm.

If the electronic signature and / or encryption for the nickname payment related information is completed (1660), the terminal transmits the electronic signature and / or encrypted nickname payment related information to the server (1665).

17 is a diagram illustrating an authentication process for nickname-based payment settlement processing according to another embodiment of the present invention.

In more detail, in FIG. 17, when the customer identification information and the nickname information are transmitted through the payment form or the payment window provided to the client terminal, the nickname payment server 700 receives the virtual identification information corresponding to the customer identification information and the nickname information. The present invention relates to a method of processing a nickname-based payment settlement using an account, and a person skilled in the art may refer to and / or modify the system of FIG. 17 to configure the system illustrated in FIG. Various nickname-based payment settlement methods corresponding to the above may be inferred, but the present invention includes all the inferred nickname-based payment settlement methods and is not limited to the implementation method illustrated in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 17 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 17, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 17, when nickname payment related information inputted (or selected) through the payment form or payment window is transmitted from the terminal through electronic signature and / or encrypted, the server 700 receives the nickname payment related information. The digital signature verification and / or decryption process is performed (1700).

According to the exemplary embodiment of the present invention, the digital signature verification and / or decryption process is preferably matched with the digital signature attachment and / or encryption process performed on the nickname payment related information in the terminal.

If the electronic signature verification and decryption process for the nickname payment related information is completed (1705), the server 700 and the nickname information included in the nickname payment related information received through the payment form or payment window received from the terminal; After extracting customer identification information and extracting the virtual account information associated with the nickname information and the customer identification information from the storage medium 130 (1710), through the payment authentication information included in the nickname payment related information The validity of the virtual account information is checked (1715).

According to an embodiment of the present invention, a method of confirming validity of the virtual account information through the payment authentication information may include a password (eg, an account password) and / or a security code (eg, included in the payment authentication information). The OTP authenticator provided to the customer by the financial institution during the Internet banking application process and the security code printed on the security card issued to the customer and / or the One Time Password (eg, after the internet banking application process (or after internet banking application)). (Or a one-time password generated through an OTP authentication program), the method may include checking whether the payment amount can be withdrawn from the virtual account.

If the validity of the virtual account is not authenticated (1720), the server generates predetermined nickname-based payment error information and transmits it to the terminal (for example, to a payment form or payment window output to the terminal) (1725). ), And ends the nickname-based payment process according to the present invention.

On the other hand, if the validity of the virtual account is authenticated (1720), the server 700 extracts the wireless terminal number information associated with the customer information corresponding to the customer identification information from the storage medium (1730), the wireless After generating a predetermined authentication code to be transmitted to the wireless terminal corresponding to the terminal number information (1735), the generated authentication code is transmitted to the wireless terminal through a predetermined wireless network (1740).

Then, the authentication code transmitted to the wireless terminal is input through the payment form or payment window output to the terminal (1745), the terminal at least to transmit the authentication code input through the payment form or payment window to the server Encrypt via one or more encryption schemes and / or encryption algorithms (1750).

If the encryption for the authentication code is completed (1755), the terminal transmits the encrypted authentication code to the server 700 (1760).

18 is a diagram illustrating a payment approval process for nickname-based payment settlement processing according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates that when the customer identification information and the nickname information are transmitted through the payment form or the payment window provided to the client terminal, the nickname payment server 700 receives the virtual identification information corresponding to the customer identification information and the nickname information. The present invention relates to a method for processing a nickname-based payment settlement using an account, and a person skilled in the art may refer to and / or modify the system of FIG. 18 to configure the system illustrated in FIG. Various nickname-based payment settlement methods corresponding to the present invention may be inferred, but the present invention includes all the inferred nickname-based payment settlement methods, and is not limited to the implementation method illustrated in FIG.

For example, the order of some processes of the nickname-based payment settlement method shown in FIG. 18 may be changed, omitted, or added, and / or between the client terminal and the shopping mall server 715 and the nickname payment server 700. It is possible for some of the information exchanged to be omitted or further added, thereby not limiting the invention.

Hereinafter, in FIG. 18, the client terminal is referred to as a "terminal" for convenience, and the nickname payment server 700 provided with the interface providing unit 705 and the payment processing unit 710 is referred to as a "server" for convenience.

Referring to FIG. 18, when the authentication code is transmitted from the terminal, the server 700 receives and decrypts the authentication code (1800).

According to the embodiment of the present invention, the decryption process is preferably matched with the encryption process performed for the authentication code in the terminal.

Thereafter, the server 700 compares and authenticates the authentication code transmitted to the wireless terminal and the authentication code received from the terminal (1805).

If the authentication code is not authenticated (1810), the server 700 generates a predetermined nickname-based payment error information and transmits it to the terminal (for example, by transmitting to a payment form or payment window output to the terminal) (1815). ), And ends the nickname-based payment process according to the present invention.

On the other hand, if the authentication code is authenticated (1810), the server 700 is linked with the financial system 735 in which the virtual account is opened, the virtual account information, shopping mall information (e.g. shopping mall account number) and payment amount information A financial transaction procedure for nickname-based payment processing according to the present invention is performed through 1820.

According to the implementation method of the present invention, the financial transaction procedure for nickname-based payment settlement process withdraws the amount corresponding to the payment amount from the virtual account, and deposits the withdrawn amount into the shopping mall account. It is preferable to comprise.

In particular, the financial transaction procedure for nickname-based payment may further include a step of imposing a predetermined payment fee before depositing the amount withdrawn from the virtual account into the shopping mall account.

If the financial transaction procedure for nickname-based payment processing is completed (1825), the server 700 connects with the financial system 735 to provide predetermined nickname payment history information corresponding to the nickname-based payment processing. In operation 1830, the generated nickname payment history information is transmitted to the terminal (eg, a payment form or a payment window output to the terminal) and output (1835).

According to the present invention, by providing a non-name channel payment account number of the non-name channel of the financial information of the customer by providing a nickname, the advantage of providing a convenient one-stop non-face-to-face payment service in online non-face-to-channel payment have.

According to the present invention, by setting the nickname in the virtual account rather than the customer's real account, and by setting a predetermined limit amount in the virtual account, the non-face-to-face non-face-to-channel payment in a convenient and safe way when making online non-face-to-face payment There is an advantage of providing a payment service.

According to the present invention, by providing a non-name channel channel number of the financial information of the customer by replacing the nickname, when the online non-face-to-face payment payment, it is convenient to memorize the nickname instead of easy to memorize the account number There is an advantage in payment processing.

Claims (10)

Inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to a real account owned by a customer from a predetermined information input / receive means; Storing the input and / or received nickname information in association with the virtual account information, the actual account information, and the customer information (including the customer wireless terminal information) designated by the customer in a predetermined information storage / registration means, and storing the nickname information in a predetermined storage medium; Registering; Transmitting a predetermined payment form or payment window from a predetermined interface providing means to a customer terminal when the payment processing is performed online by the customer; And When the customer terminal transmits customer-owned wireless terminal number information and nickname information through the payment form or the payment window, after receiving the information through the interface providing means in a predetermined payment processing means, the customer When a predetermined authentication code is transmitted to the wireless terminal by using the owned wireless terminal number, and the client terminal transmits an authentication code transmitted to the wireless terminal through the payment form or payment window, the client terminal receives the authentication code. Authentication is performed, and in association with the storage medium (or the storage medium operating means), confirm the customer information corresponding to the customer wireless terminal number information and the virtual account information connected to the nickname information, and the confirmed virtual account Nickname, characterized in that it comprises a; processing the approval of payment according to the payment using the; Payment processing method using. Inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to a real account owned by a customer from a predetermined information input / receive means; Storing and registering the input and / or received nickname information in association with the virtual account information, the real account information, and the customer information designated by the customer in a predetermined information storage / registration means; In the payment processing of the customer online, after receiving payment request information and payment target customer identification information from the online server requesting the payment in a predetermined interface providing means, a predetermined payment form is sent to the customer terminal. transmitting a form or a payment window; And When the client terminal transmits the nickname information through the payment form or the payment window, the predetermined payment processing means receives the nickname information through the interface providing means, and then the storage medium (or storage medium operation). Means for confirming the customer information corresponding to the customer identification information and the virtual account information linked to the nickname information, and processing the payment approval according to the payment using the confirmed virtual account; Payment processing method using a nickname comprising a. Inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to a real account owned by a customer from a predetermined information input / receive means; Storing and registering the input and / or received nickname information in association with the virtual account information, the real account information, and the customer information designated by the customer in a predetermined information storage / registration means; Transmitting a predetermined payment form or payment window from a predetermined interface providing means to a customer terminal when the payment processing is performed online by the customer; And When the customer terminal transmits customer identification information (or customer authentication information) and nickname information through the payment form or payment window, the predetermined payment processing means receives the information through the interface providing means. Check the virtual account information linked to the nickname information and the customer information corresponding to the customer identification information (or the customer authentication information) in connection with the storage medium (or storage medium operating means), and check the confirmed virtual account. Processing the payment approval according to the payment using; a payment processing method using a nickname, comprising: a. The method according to any one of claims 1 to 3, Checking the one-time authentication number or password transmitted from the customer terminal through the payment form (form) or the payment window in the payment processing means further comprises the step of authenticating the customer payment using a nickname How payments are processed. The method of claim 2 or 3, When the customer wireless terminal number information is transmitted from the customer terminal through the payment form or the payment window, the payment processing means transmits a predetermined authentication code to the wireless terminal using the customer owned wireless terminal number, When the customer terminal transmits the authentication code transmitted to the wireless terminal through the payment form (form) or payment window, receiving the payment process using the nickname, characterized in that further comprising the step of processing the customer authentication Treatment method. The method of any one of claims 1 to 3, wherein the virtual account, Payment settlement processing method using a nickname, characterized in that the virtual account is set a payment limit. According to any one of claims 1 to 3, wherein the customer terminal, A payment processing method using a nickname comprising at least one wired terminal such as a PC, a wireless terminal such as a mobile phone, and at least one electronic product having a communication function such as a TV. Information input / receive means for inputting and / or receiving nickname information to be set in at least one or more virtual accounts connected to a real account owned by a customer; Information storage / registration means for processing the input and / or received nickname information in association with virtual account information, real account information, and customer information (including customer wireless terminal information) designated by the customer and storing and registering the predetermined nickname information on a predetermined storage medium; Interface providing means for transmitting a predetermined payment form or a payment window to a customer terminal when the customer pays online; And When the customer terminal transmits customer-owned wireless terminal number information and nickname information through the payment form or payment window, after receiving the information through the interface providing means, using the customer-owned wireless terminal number Sending a predetermined authentication code to the wireless terminal, if the customer terminal transmits the authentication code sent to the wireless terminal through the payment form (form) or payment window, receives this to process the customer authentication, the storage In connection with a medium (or a storage medium operating means), the customer information corresponding to the customer wireless terminal number information and the virtual account information connected to the nickname information, and using the confirmed virtual account according to the payment Payment settlement processing means for processing payment approval; Payment settlement using a nickname 1st processing system. When the account holder customer receives payment processing online, after receiving payment request information and payment target customer identification information from the online server requesting the payment, a predetermined payment form or payment is made to the customer terminal. Interface providing means for transmitting a window; And When the client terminal transmits predetermined nickname information through the payment form or payment window, after receiving the nickname information through the interface providing means, the account information and the customer information connected to the nickname information are stored. In connection with a storage medium (or a storage medium operating means), the customer information corresponding to the customer identification information and the account information linked to the nickname information is confirmed, and the payment approval for the payment is made using the confirmed account. A payment processing system using a nickname, comprising: a payment processing means for processing; Interface providing means for transmitting a predetermined payment form or payment window to the customer terminal when the account holder customer processes the payment online; And When the customer terminal transmits customer identification information (or customer authentication information) and nickname information through the payment form or payment window, the account is connected with the nickname information after receiving the information through the interface providing means. In association with a storage medium (or storage medium operating means) for storing information and customer information, the customer information corresponding to the customer identification information (or customer authentication information) and account information linked to the nickname information, and confirms Payment processing means for processing the payment approval according to the payment using the account account; characterized in that it comprises a payment processing system using a nickname.

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