KR20120032758A - A method and a system of internet payment based on server - Google Patents

Abstract

PURPOSE: A server based internet payment method and system thereof are provided to reduce the outflow of personal information by extracting payment storage information from a purchase company without transmitting the payment storage information through a communication line. CONSTITUTION: Purchase information of a seller server(120) symbolizes information for a product statement which is related to purchase. A payment relay server(130) receives identification information. The identification information is a user identifier which is able to specify a user. The payment relay server compares the identification information stored in the payment relay server with the identification information. A purchase company server(140) receives the identification information.

Description

Server-based Internet payment method and system {A METHOD AND A SYSTEM OF INTERNET PAYMENT BASED ON SERVER}

The present invention relates to a payment method and system online.

Conventionally, customers see and purchase goods directly, and payment is mostly made through cash transactions between customers and sellers.

However, in recent years, the number of customers who purchase goods at home or office through the Internet shopping mall, etc. is increasing. In addition, it is common to pay by using a wire transfer or a credit card online rather than by cash. However, if you pay online by wire transfer or credit card, you risk exposing your personal information.

It is an object of the present invention to provide a server-based internet payment method and system in order to minimize the leakage of personal information when making payments via wire transfer or credit card online.

In order to achieve the above object, the present invention provides a server-based Internet payment method, characterized in that the user using the identification information received from the Internet terminal in the payment broker server and the user identification information stored in the payment broker storage unit. do.

The present invention, the server-based Internet payment method characterized in that the purchaser server extracts the payment storage information corresponding to the identification information, and performs the identity authentication and payment approval using the payment storage information and identity authentication information To provide.

According to the present invention, when there is a plurality of payment storage information corresponding to the identity information, the purchase company server transmits the plurality of payment storage information to the Internet terminal, and the user receives one payment storage information from the plurality of payment storage information. If selected, the server-based internet payment method is received, wherein the selected payment storage information is received, and the user authentication and payment approval are performed using the selected payment storage information and the user authentication information.

The present invention provides a server-based Internet payment method characterized in that the server-based payment indication information using the server-based Internet payment method adaptively.

The present invention, while receiving the purchase information and payment request message, the purchase information is the information on the details of the goods purchased by the customer, and receives the seller server, the user identification information to access the payment brokerage server according to the payment request message The identification information is a user identifier for identifying a user, and the payment broker server for comparing the identification information and the identification information stored in the payment broker server, and as a result of the comparison, the identification information and the payment broker server. If the stored identification information matches, the identification information and the identification information are received, and the payment storage information corresponding to the identification information is extracted, wherein the payment storage information is identification information assigned to a payment means; You can use the payment storage information and the above authentication information to verify your identity and payment. Which provides a server-based Internet payment system comprising the acquirer server.

In addition, the present invention, if the payment request of the user, receiving the identification information at the purchase company server-the identification information indicates a user identifier that specifies the user; Comparing the identification information at the purchaser server with the identification information stored at the purchaser server; Receiving identity authentication information from the purchaser server when the identification information and the identification information stored in the purchaser server match with each other as a result of the comparison, wherein the identification information represents information used for online identification; Extracting payment storage information corresponding to the user identification information from the purchaser server, wherein the payment storage information indicates identification information assigned to a payment means; And performing a user authentication and a payment approval by using the payment storage information and the user authentication information at the purchase company server.

In addition, the present invention provides a server-based Internet payment method, characterized in that the identity information and the identity authentication information is received from at least one of the Internet terminal or payment intermediation server.

In addition, the present invention, if there is a plurality of the extracted payment storage information, transmitting the plurality of payment storage information from the purchase company server to the Internet terminal; And when the user selects one payment storage information from the plurality of payment storage information in the Internet terminal, receiving the selected payment storage information at the purchase company server, wherein the selected payment storage information at the purchase company server. It provides a server-based Internet payment method characterized in that performing the user authentication and payment approval using.

In addition, the present invention provides a server-based Internet payment method, characterized in that the selected payment storage information is received from at least one of the Internet terminal or payment intermediation server.

In addition, the present invention, when a user requests a payment, receives the identification information and compares the identification information and the identification information stored in the purchase company server, and as a result of the comparison the identification information and the identification of the person stored in the purchase company server If the information matches, the purchaser server receives the identification information, extracts the payment storage information corresponding to the identification information, and performs the authentication and payment approval using the payment storage information and the identification information. Includes a purchase company server, wherein the identification information represents a user identifier that identifies the user, the identity authentication information represents information used for identity verification online, the payment storage information is identification information assigned to the payment means Server-based Internet payment system, characterized in that to provide.

The present invention also provides a server-based Internet payment system, characterized in that the identity information and the identity authentication information is received from at least one of the Internet terminal or payment intermediation server.

In addition, the present invention when the extracted payment storage information is a plurality, when transmitting the plurality of payment storage information to the Internet terminal, when the user selects one payment storage information from the plurality of payment storage information in the Internet terminal Further comprising a purchaser server for receiving the selected payment storage information, the purchaser server provides a server-based Internet payment system characterized in that performing the authentication and payment approval using the selected payment storage information.

In addition, the present invention provides a server-based Internet payment system, characterized in that the selected payment storage information is received from at least one of the Internet terminal or payment intermediation server.

According to the present invention, the leakage of personal information can be minimized by extracting payment storage information from payment storage information stored in the purchase company server without transmitting the information through the communication line. In addition, since the user does not need to generate only the personal identification information through the Internet terminal and separately generate the payment storage information, the convenience of payment can be improved. In addition, since the server-based payment method, the payment service may be used using various mobile devices.

1 is a block diagram of an Internet payment system 100 according to an embodiment of the present invention.
2 illustrates a server-based internet payment system 200 as an embodiment to which the present invention is applied.
3 is a block diagram illustrating a server-based internet payment method according to an embodiment to which the present invention is applied.
4 is a block diagram illustrating a server-based internet payment method when a plurality of payment storage information is provided as an embodiment to which the present invention is applied.
FIG. 5 is a block diagram illustrating a method of adaptively using a server-based internet payment method according to an embodiment to which the present invention is applied.

Hereinafter, the configuration and operation of the embodiments of the present invention with reference to the accompanying drawings, the configuration and operation of the present invention described by the drawings will be described as one embodiment, whereby the technical spirit of the present invention And its core composition and operation are not limited.

In addition, the terminology used in the present invention is selected as a general term widely used as possible now, in a specific case will be described using terms arbitrarily selected by the applicant. In such a case, since the meaning is clearly described in the detailed description of the part, it should not be interpreted simply by the name of the term used in the description of the present invention, and it should be understood that the meaning of the term should be interpreted. .

1 is a block diagram of an Internet payment system 100 according to an embodiment of the present invention.

Referring to FIG. 1, the internet payment system 100 may include an internet terminal 110, a seller server 120, a payment brokerage server 130, and a purchaser server 140. The internet terminal 110, the seller server 120, the payment brokerage server 130, and the purchase company server 140 may transmit or receive information from each other through a network.

The Internet terminal 110 may be connected to the seller server 120 to enable the purchase of goods, and may transmit information necessary for payment and identity verification to the purchased goods. Information necessary for the payment and identity authentication may be transmitted encrypted. The internet terminal 100 may refer to a terminal that can be connected to the Internet via wired or wireless. For example, it may be implemented in various forms such as a personal computer (PC), a mobile phone, a smart phone, a portable multimedia player (PMP), a personal digital assistant (PDA), an e-book terminal, and the like.

The seller server 120 may refer to a server of a retailer that supplies goods to a customer. The retailer may be a non-affiliated store that has not signed a merchant contract with a financial company.

The settlement brokerage server 130 may broker the settlement so that the settlement may be made between the seller server 120 and the purchaser server 140. The payment intermediation server 130 may be a single server or may be composed of a plurality of servers.

For example, the payment intermediation server 130 may be configured as at least one of a payment server and a value-added network (VAN) server. The payment gateway is a credit card company or bank that the buyer deals with on behalf of the seller (shopping mall) so that the buyer can use the credit card on the internet or transfer the account in the electronic commerce through an internet shopping mall or the like. It is a kind of electronic payment agency that provides a service that removes a certain fee and pays the remaining amount to the seller after collecting money from the company. The value-added network (VAN) provides voice or data information that has added value such as accumulating, processing, and converting information beyond a simple transmission function by directly owning a line or renting or using a line of a carrier. A comprehensive and complex set of services.

The purchaser server 140 refers to a server of the purchaser that can substantially pay the payment. The purchase company server 150 may include a credit card company server, financial company server, and the like.

Hereinafter, a process of performing payment and identity verification on the purchased goods in the Internet payment system 100 will be described.

The internet terminal 110 may transmit purchase information to the seller server 120. The purchase information may refer to information on a purchase history of a customer. For example, information about the purchased product (product code, date of manufacture, expiration date, product price, manufacturer, color, size, product quantity, etc.), information about the merchant (name of the merchant, merchant owner, merchant location, merchant phone number) Etc.), information about a purchase date and time may be included. Hereinafter, the purchase information may be interpreted with the same meaning throughout the specification. In addition, the Internet terminal 110 may transmit a payment request message to the seller server 120.

When there is a payment request for a purchase item from a user of the Internet terminal 110 according to the payment request message, the seller server 120 may access the payment intermediation server 130, and the payment information may be received. Mediation server 130 may be transmitted.

The payment broker server 130 may receive payment information for the purchase information. The payment information refers to information necessary for payment for the purchased goods. For example, information about a payment method (eg, credit card, bank transfer, mobile phone / ARS, etc.) may be included. When paying with a credit card, the payment information may include information such as a card number, an expiration date, a CVC value, a payment card company, a payment bank, and an installment scheme. In the case of payment through bank transfer, the payment information may include information such as a bank account number, a bank name that opens an account and a branch name.

The payment broker server 130 may additionally receive identity authentication information. The identity verification information may mean a means for identity verification online. For example, it may include a public certificate, OTP, payment password.

The payment broker server 130 may transmit the payment information and the user authentication information to the purchase company server 140 and request the user authentication and payment approval. The purchase company server 140 may perform identity verification and payment approval using the payment information and identity authentication information. After performing the identity verification and payment approval, the result value may be transmitted to the payment broker server 130.

Hereinafter, a server-based internet payment method will be described with reference to FIGS. 2 and 3.

2 illustrates a server-based internet payment system 200 as an embodiment to which the present invention is applied.

Referring to FIG. 2, the server-based internet payment system 200 may include an internet terminal 110, a seller server 120, a payment brokerage server 130, and a purchaser server 140 as described in FIG. 1. Can be.

The settlement brokerage server 130 may further include a settlement brokerage storage unit 132 and a confirmation unit 134. The payment broker storage unit 132 may refer to a database in which personal identification information is stored. The identity information may refer to a user identifier for identifying a user. For example, social security number, online personal identification number (i-pin) may be included. The verification unit 134 confirms the user by using the identification information stored in the payment broker storage unit 132.

The purchase company server 140 may further include a purchase company storage unit 142, an authentication unit 144, and an approval unit 146. The purchase company storage unit 142 may mean a database that stores payment storage information. The payment storage information may mean identification information assigned to a payment means. For example, when the payment means is a credit card, it may mean a card number, an expiration date, a CVC value, and the like. When the payment method is an account transfer, it may mean an account number, an account bank, an account holder, or the like. In addition, the purchaser storage unit 142 may store the identification information in addition to the payment storage information, the payment storage information may be stored for each of the identification information corresponding to the identification information.

The authentication unit 144 performs identity verification using the payment storage information stored in the purchase company storage unit 142. The approval unit 146 may check whether payment is possible by the payment means specified by the payment storage information when the payment approval request is performed after the authentication by the authentication unit 144. In addition, the approval unit 146 may transmit the confirmation result to the Internet terminal 110 and / or the payment broker server 130.

3 is a block diagram illustrating a server-based internet payment method according to an embodiment to which the present invention is applied.

Referring to FIG. 3, the seller server 120 may receive purchase information and a payment request message from the internet terminal 110 (S300).

When there is a payment request for a purchase item from a user according to the payment request message, the seller server 120 may access the payment intermediation server 130 (S310). In addition, the seller server 120 may confirm the purchase information, and transmit the purchase information to the payment broker server 130 and the Internet terminal 110, respectively. The user may check whether the purchase information of the user is correct by checking the purchase information transmitted to the Internet terminal 110.

The payment broker server 130 may receive the identity information (S320). The identity information may be received from the internet terminal 110 or the seller server 120. The identity information may be received encrypted to prevent the leakage of personal information. The encryption means converting information into a format (cipher text) whose meaning is unknown. The information can be protected by storing it in a form of cipher text in a storage device or by transmitting it over a communication line.

The verification unit 134 may compare the received identification information with the identification information stored in the payment broker storage unit 132 (S330). That is, it is possible to determine whether or not both identification information match. The matching may mean that the user can be specified. Alternatively, it may mean that the user is a customer registered to use server-based internet payment. As a result of the comparison, when both identity identification information is matched, the payment intermediation server 130 may transmit the received identity information to the purchaser server 140.

The purchase company server 140 may receive the identification information, and if the authentication is required may additionally receive the identification information (S340). The identity authentication information may be received from the Internet terminal 110 or the payment broker server 130. Like the identification information, it may be encrypted and received to prevent personal information leakage.

The purchase company storage unit 142 may extract payment storage information corresponding to the identification information (S350). The authentication unit 144 may perform identity verification using the payment storage information and the identity verification information (S360).

Meanwhile, the extracted payment storage information may be one, or may be plural, which will be described with reference to FIG. 4.

4 is a block diagram illustrating a server-based internet payment method when a plurality of payment storage information is provided as an embodiment to which the present invention is applied.

Referring to FIG. 4, as described above, the purchaser server 140 may receive the identification information and the identification information (S400), and the purchaser storage unit 142 may store the payment storage information corresponding to the identification information. Can be extracted (S410). In this case, the payment storage information corresponding to the identity information may be a plurality. For example, this may be the case when a plurality of credit cards are registered in a payment card company that the user deals with. Alternatively, a user may register a plurality of payment cards to be used for server-based internet payment.

If there is a plurality of payment storage information corresponding to the identity information, the internet terminal 110 may receive the plurality of payment storage information (S420). The plurality of payment storage information may be received from the payment intermediation server 130 or purchase company server 140. The user may select payment storage information desired by the user from the plurality of payment storage information. When the user selects one payment storage information from the plurality of payment storage information, the purchase company server 140 may receive the selected payment storage information (S430). The authentication unit 144 may perform identity verification using the selected payment storage information and the identity verification information (S440). However, when there is only one extracted payment storage information, as shown in FIG. 3, personal authentication may be performed using the payment storage information and the personal authentication information (S440).

FIG. 5 is a block diagram illustrating a method of adaptively using a server-based internet payment method according to an embodiment to which the present invention is applied.

The seller server 120 may receive the purchase information and the payment request message from the Internet terminal 110. When the seller server 120 receives a payment request for the purchased goods from the user according to the payment request message, As described above, the payment brokerage server 130 may be accessed. Referring to FIG. 5, the payment intermediation server 130 may receive server-based payment indication information (S500). The server-based payment indication information may refer to information indicating that payment for a purchased item is performed in a server-based internet payment method. That is, the payment brokerage server 130 and the purchaser server 140 shares the identity information, the payment brokerage server 130 checks the user using the identification information, the purchaser server 140 in the The user identification information, payment storage information stored in the purchaser storage unit 142, and the user authentication information may be information instructing to perform the user authentication and payment approval. When a server-based internet payment method is used according to the server-based payment indication information, the payment broker server 130 may receive the identity information (S510). The identity information may be received from an internet terminal. The payment broker server 130 may perform an identity verification process using the identity information and the identity information stored in the payment broker storage unit 132 (S520). After the identity verification procedure is completed, the purchase company server 140 may receive the identity information, and if the identity authentication is required may additionally receive identity authentication information (S530). The identity authentication information may be received from the Internet terminal 110 or the payment broker server 130. The purchase company storage unit 142 may extract payment storage information based on the identification information (S540), and may perform authentication using the payment storage information and the identification information (S550). In this case, when the extracted payment storage information is plural, the server-based internet payment method described in FIG. 4 may be applied in the same manner.

When the server-based internet payment method is not used according to the server-based payment indication information, the payment broker server 130 may receive payment information (S560). The payment information refers to information necessary for payment for the purchased goods. For example, when paying with a credit card, the payment information may include information such as a card number, an expiration date, a CVC value, a payment card company, a payment bank, and an installment scheme, as shown in FIG. 1.

The payment broker server 130 may request payment approval and identity verification from the purchaser server 140 (S570). The purchase company server 140 may receive the payment information and identity authentication information (S580). The identity authentication information may be received from the Internet terminal 110 or the payment broker server 130. The purchase company server 140 may process whether the user authentication and payment approval using the payment information and identity authentication information (S590).

As mentioned above, preferred embodiments of the present invention are disclosed for purposes of illustration, and those skilled in the art can improve and change various other embodiments within the spirit and technical scope of the present invention disclosed in the appended claims below. , Replacement or addition would be possible.

Claims (16)

Receiving purchase information and a payment request message at a seller server, wherein the purchase information indicates information on the details of items purchased by a customer;
Accessing a payment broker server according to the payment request message at the seller server;
Receiving identity information at the payment broker server, wherein the identity information indicates a user identifier identifying a user;
Comparing the identification information at the payment broker server with the identification information stored at the payment broker server;
Receiving the identification information and the identification information at the purchase company server when the identification information is identical with the identification information stored in the payment broker server as a result of the comparison;
Extracting payment storage information corresponding to the identification information from the purchaser server, wherein the payment storage information is identification information assigned to a payment means; And
And performing the user authentication and payment approval by using the payment storage information and the user authentication information at the purchase company server. The method of claim 1,
When there is a plurality of extracted payment storage information,
Transmitting the plurality of payment storage information from the purchase company server to an internet terminal; And
If the user selects one payment storage information from the plurality of payment storage information in the Internet terminal, further comprising the step of receiving the selected payment storage information in the purchase company server,
The server-based Internet payment method characterized in that the purchaser server performs the user authentication and payment approval using the selected payment storage information. The method of claim 2,
The selected payment storage information is received from at least one of the Internet terminal or the payment broker server, server-based Internet payment method. 3. The method according to claim 1 or 2,
Receiving server-based payment instruction information from the payment broker server, the server-based payment instruction information further comprises the step of indicating information for instructing to pay for the purchases in the server-based Internet payment method,
When the server-based Internet payment method is used according to the server-based payment indication information, the server-based Internet payment method characterized in that for receiving the identity information from the payment broker server. A seller server which receives purchase information and a payment request message and connects to a payment intermediation server according to the payment request message, wherein the purchase information indicates information on details of items purchased by a customer;
A payment intermediation server which receives the identification information, wherein the identification information is a user identifier for identifying a user, and compares the identification information with the identification information stored in the payment broker server; And
When the identification information and the identification information stored in the payment intermediation server is the same as the comparison result, the identification information and the identification information is received, the payment storage information corresponding to the identification information is extracted, the payment Includes a purchase company server for performing the authentication and payment authorization using the stored information and the identity verification information,
The payment storage information server-based Internet payment system, characterized in that indicating the identification information assigned to the payment means. 6. The method of claim 5,
When the extracted payment storage information is plural, the plurality of payment storage information is transmitted to an internet terminal, and when the user selects one payment storage information among the plurality of payment storage information, the selected payment storage Further include a acquirer server for receiving information,
The server-based Internet payment system, characterized in that the purchaser server performs the identity authentication and payment approval using the selected payment storage information. The method of claim 6,
The selected payment storage information is received from at least one of the Internet terminal or the payment broker server, the server-based Internet payment system. The method according to claim 5 or 6,
Further comprising a payment intermediary server for receiving server-based payment instructions,
The server-based payment instruction information indicates information for instructing payment of a purchased item by using a server-based internet payment method.
When the server-based Internet payment method is used according to the server-based payment indication information, the server-based Internet payment system, characterized in that for receiving the identity information from the payment broker server. Receiving, at the purchaser's server, the identification information of the user when the payment request is made, the identification information indicating a user identifier specifying the user;
Comparing the identification information at the purchaser server with the identification information stored at the purchaser server;
Receiving identity authentication information from the purchaser server when the identification information and the identification information stored in the purchaser server match with each other as a result of the comparison, wherein the identification information represents information used for online identification;
Extracting payment storage information corresponding to the user identification information from the purchaser server, wherein the payment storage information indicates identification information assigned to a payment means; And
And performing the user authentication and payment approval by using the payment storage information and the user authentication information at the purchase company server. The method of claim 9,
And the identity information and the identity information are received from at least one of an internet terminal and a payment intermediation server. The method of claim 9,
When there is a plurality of extracted payment storage information,
Transmitting the plurality of payment storage information from the purchase company server to an internet terminal; And
If the user selects one payment storage information from the plurality of payment storage information in the Internet terminal, further comprising the step of receiving the selected payment storage information in the purchase company server,
The server-based Internet payment method characterized in that the purchaser server performs the user authentication and payment approval using the selected payment storage information. 12. The method of claim 11,
The selected payment storage information is received from at least one of the Internet terminal or payment broker server, characterized in that the server-based Internet payment method. When there is a user's request for payment, when the identification information is received and the identification information stored in the purchaser server is compared with the identification information, and the identification information stored in the purchaser server is identical as the comparison result. And a purchaser server for receiving identification information from the purchaser server, extracting payment storage information corresponding to the identification information, and performing identification and payment approval using the payment storage information and the identification information. But
The identity information represents a user identifier for identifying a user, the identity information represents information used for identity verification online, and the payment storage information is identification information assigned to a payment means. Internet payment system. The method of claim 13,
And the identity information and the identity information are received from at least one of an internet terminal and a payment broker server. The method of claim 13,
When the extracted payment storage information is plural, the plurality of payment storage information is transmitted to an internet terminal, and when the user selects one payment storage information among the plurality of payment storage information, the selected payment storage information. Further comprising a purchaser server for receiving,
The purchase company server is a server-based Internet payment system, characterized in that for performing the authentication and payment approval using the selected payment storage information. 16. The method of claim 15,
The selected payment storage information is received from at least one of the Internet terminal or payment broker server, server-based Internet payment system.

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