KR20160045657A - System for card payment in the electronic commerce and method thereof - Google Patents

Abstract

The present invention relates to a card payment system for e-commerce and a method thereof. The present invention is capable of effectively solving problems on authentication and security, caused by thoughtlessly installed existing Active-X programs by performing card payment with a complex hybrid authentication method using order information, delivery information, and payment information without Active-X for card payment for a purchased product in e-commerce. The present invention includes a shopping mall server providing an online shopping mall service to allow a member user to buy a pre-registered product.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce payment system,

The present invention relates to a card payment system and method in electronic commerce, and more particularly, to an electronic commerce system in which an electronic commerce transaction, such as order information, delivery information, and payment information, The present invention relates to a card settlement system and method in an electronic commerce, which can effectively solve authentication and security problems due to existing ActiveX programs that are installed indiscriminately by performing card settlement using a hybrid hybrid authentication scheme using a hybrid card.

In recent years, with the rapid development of the Internet, the proportion of electronic commerce that purchases goods online is increasing day by day. Such e-commerce has been extended to various commodities including household goods, household goods, and electronic products.

The development of electronic commerce is largely driven by the development of telecommunication networks, but above all, there is little that sellers and buyers can enjoy other benefits not available in traditional commerce systems.

That is, since the seller does not need to have a separate large warehouse for storing the store and the goods, the facility fund is saved as much as that, so that it can be reflected in the product price, while the buyer does not need to visit the store for convenient shopping But also the advantage of being able to purchase goods at a cheaper price.

That is, the electronic commerce refers to a transaction in which all or a part of a transaction of goods or services is processed by electronic means such as electronic document exchange.

These e-commerce transactions are similar to the commercial transactions in the real world. In the simplest case of e-commerce, a cyber mall that provides goods or services, a consumer who purchases goods or services at a store, a virtual bank or a credit card company involved in a financial relationship with a product, .

As for the process of the electronic commerce, a consumer first accesses a virtual shop through a terminal connected to the Internet such as a computer, and performs shopping. When the user finds a desired item to be purchased, he or she delivers the purchase intention to the virtual shop, and provides payment means such as a credit card number and a password.

The virtual shop inquires the credit card number and the password provided by the customer to the virtual bank or the credit card company and requests payment. When a virtual bank or credit card company pays a virtual store, the virtual store completes the purchase process by delivering the product to the customer.

Meanwhile, currently, the card payment used in the online shopping mall (for example, Auction, Gmarket, 11th Avenue) uses ActiveX (ActiveX) internally. In order to settle the payment, download the keyboard security related ActiveX download), and when paying a certain amount (for example, 300,000 won) or more, an authorized certificate must be used.

Therefore, the current card payment method is available only for MS Windows, and payment of a card under a multi OS is impossible. This ActiveX is an Internet technology that installs application programs on a user's PC and enables documents and contents on the web to be used on a user's PC. It is installed automatically when a user accesses a specific web page, and is installed when a payment button is clicked when using an online shopping mall Programs.

In recent years, all devices (e.g., desktop PC, notebook PC, tablet, smartphone, etc.), all operating systems (e.g. MS Windows, Mac OS, Linux, etc.), all browsers (e.g. MS Explorer, Google Chrome, etc.) The demand for payment of cards that can be supported is expanding.

In order to realize this, a card settlement system in which no pop-up (No Popup) or no plug-in type ActiveX is installed is required.

This is also the same policy as the Active X exit policy, which is being pursued by the future creation science department. Specifically, from June 2014, the government will abolish the use of public certificate duties when paying for credit cards at Internet shopping malls. However, until the establishment of security and authentication means that can replace the authorized certificate, the authorized certificate can be used continuously.

* In addition, the Financial Supervisory Service (FSS) holds an evaluation method for the LG CNS EMF and the PayGate Amount Certificate (AA) as an alternative means of security certification. The LG CNS empey is a method for separating and storing the personal card information in a server and a terminal in a manner similar to a mocha payer applied to the auction, and the payment is made using only a password. The authentication for the amount of money (AA) The payment is made twice and the amount is authenticated by the authentication number.

However, there is a problem that it is inconvenient that three payments and two cancellations occur for one settlement, and it is difficult to use HTML5 because of compatibility between browsers or standard problems.

Korean Patent Laid-Open Publication No. 10-2007-0065283

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide an electronic commerce system, an electronic commerce system, The present invention is to provide a card payment system and method in an electronic commerce that can effectively solve authentication and security problems due to previously installed ActiveX programs that are installed indiscriminately by performing card settlement using a hybrid authentication method.

In order to achieve the above object, a first aspect of the present invention provides a communication system including at least one user terminal; A shopping mall server in which a user who is registered as a member through each user terminal is provided with an online shopping mall service for purchasing a pre-registered product; And a card issuer server for providing a card payment approval service for a purchase item of a user requested from the shopping mall server, wherein the shopping mall server stores the card name, card number, shipping address, and settlement area input from each user terminal The card issuer server corresponding to the user's card name based on the authentication information of the user, and based on the approval completion information of the trial payment request transmitted from the card company server, , The shipping address and the settlement area, and when the card payment information and the shipping information for the purchased product are received from the respective user terminals and are compared with the stored shipping address and the settlement area, Information is used to request payment of a merchandise card by the card issuer server And to provide a card payment system in electronic commerce.

Here, if the shopping mall server requests the trial payment to the card company server so that the predetermined trial payment amount is paid, and if the approval completion information on the trial payment request is provided from the card company server, the shopping mall server automatically cancels the requested trial payment desirable.

Preferably, the shopping mall server generates a unique authentication number for authenticating the user of the user at the time of the trial payment request, and transmits the unique authentication number together with the trial payment request information to the corresponding card company server. The card company server, And transmits the approval completion information for the trial payment request to the corresponding shopping mall server. If the user has a unique authentication number for authenticating the user of the user, The shopping mall server compares the unique authentication number for authenticating the user entered from the user terminal with the unique authentication number for authenticating the user of the generated user, Card Mission, Part of Card Number, Shipping Address, and Payment Area have.

Preferably, the card issuer server can transmit a unique authentication number for authenticating the user of the user in the form of a short message.

Preferably, the shopping mall server may provide a service such that card settlement information including a card number, a card validity period, and a card password other than a part of the stored card number may be input at the time of payment of a card for a purchased product through each user terminal .

Preferably, the shopping mall server generates a unique authentication number for delivering the purchased merchandise at the request of the merchandise card of the user, stores a part of the stored card number, the remaining card number input from the user terminal, And the card company server processes the card payment information transmitted from the shopping mall server and transmits the card payment information to the corresponding card company server And transmits the approval completion information to the corresponding shopping mall server and transmits a unique authentication number for delivering the purchased product to the corresponding user terminal. The shopping mall server transmits a unique authentication number And a unique authentication number for delivering the generated purchased product If the call is the same, the set undeliverable status can be changed to the deliverable status.

Preferably, the card issuer server may transmit the unique authentication number for delivering the purchased product in the form of a short message.

A second aspect of the present invention is a card settlement method in an electronic commerce using a system including at least one user terminal and a card issuer server connected to a shopping mall server through a communication network, the method comprising: (a) Requesting a card company server corresponding to the user's card name based on the authentication information including the card name, card number, shipping address, and settlement area input from the card company server; (b) storing a card name of the user, a part of the card number, a shipping address, and a payable area based on the approval completion information of the trial payment request transmitted from the card company server through the shopping mall server; And (c) receiving the card payment information and the delivery information for the purchased product from the respective user terminals through the shopping mall server, comparing the shipping address and the payable area stored in the step (b) And requesting payment of the merchandise card to the card company server using the card payment information for the merchant card.

Preferably, in the step (a), when the shopping mall server receives the approval completion information for the pilot payment request from the card company server after requesting the trial payment to the card company server so that the predetermined trial payment amount is paid, You can automatically cancel the requested trial payment.

Preferably, in the step (a), the shopping mall server generates a unique authentication number for authenticating the user of the user at the time of the trial payment request, and transmits the unique authentication number together with the trial payment request information to the corresponding card company server, When the user is a registered card company member, transmits the approval completion information for the corresponding trial payment request to the corresponding shopping mall server, and when the user is a registered card company member, Wherein the shopping mall server transmits a unique authentication number for authentication of the user inputted from the user terminal and a unique authentication number for authenticating the user of the generated user in the step (b) And if it is the same, the card's name of the user, a part of the card number, Address, and you can save the accepted area.

Preferably, the card issuer server can transmit a unique authentication number for authenticating the user of the user in the form of a short message.

Preferably, in the step (c), the shopping mall server receives card payment information consisting of card numbers, card valid period, and card password excluding a part of the stored card number at the time of card payment for a purchased product through each user terminal Service can be provided.

Preferably, the shopping mall server generates a unique authentication number for delivering the purchased merchandise at the request of the merchandise card of the user, stores a part of the stored card number, the remaining card number input from the user terminal, And the card company server processes the card payment information transmitted from the shopping mall server and transmits the card payment information to the corresponding card company server And transmits the approval completion information to the corresponding shopping mall server and transmits a unique authentication number for delivering the purchased product to the corresponding user terminal. The shopping mall server transmits a unique authentication number And a unique authentication number for delivering the generated purchased product If the call is the same, the set undeliverable status can be changed to the deliverable status.

Preferably, the card issuer server may transmit the unique authentication number for delivering the purchased product in the form of a short message.

A third aspect of the present invention is to provide a recording medium on which a program for executing the card payment method in the electronic commerce described above is recorded.

The card settlement method in the electronic commerce according to the present invention can be implemented by a computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, a removable storage device, a nonvolatile memory, , And optical data storage devices.

According to the card settlement system and the method of the present invention, the order information, the delivery information, the payment information, and the like are stored in the existing electronic commerce without the need for ActiveX (ActiveX) The hybrid payment method is advantageous in that the authentication and security problems due to the existing ActiveX programs that are installed indiscriminately can be effectively solved.

FIG. 1 is a block diagram illustrating a card settlement system in an electronic commerce according to an exemplary embodiment of the present invention. Referring to FIG.
FIG. 2 is a general flowchart for explaining a card settlement method in an electronic commerce according to an embodiment of the present invention.
FIG. 3 and FIG. 4 are conceptual diagrams for explaining a card settlement method in an electronic commerce according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The embodiments of the present invention are provided to enable those skilled in the art to more fully understand the present invention.

FIG. 1 is a block diagram illustrating a card settlement system in an electronic commerce according to an exemplary embodiment of the present invention. Referring to FIG.

1, a card settlement system in an electronic commerce according to an exemplary embodiment of the present invention includes at least one user terminal 100-1 to 100-N, a shopping mall server 200, (300-1 to 300-N), and the like.

The user terminals 100-1 to 100-N are connected to the web server 210 of the shopping mall server 200 through the communication network 10 and are provided by the web server 210 of the shopping mall server 200 A Web browser is provided so that a Web page such as various HTML (Hyper Text Markup Language) documents can be displayed and displayed on the screen.

The communication network 10 refers to a worldwide open computer network structure that provides TCP / IP protocols and various services existing in the upper layer of the TCP / IP protocol. The communication network 10 includes an arbitrary user (user) of the user terminals 100-1 to 100- (E.g., a buyer or a seller) can be connected to the web server 210 of the shopping mall server 200. [ Meanwhile, the communication network 10 may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet.

The user terminals 100-1 to 100-N are computers such as a desktop PC (personal computer), a notebook PC, and the like. However, the user terminals 100-1 to 100- And may be any kind of wired / wireless communication device that can access various web-based shopping mall services by accessing the web server 210 of the mobile terminal.

For example, the user terminals 100-1 to 100-N include various mobile terminals for communicating via the wireless Internet or the portable Internet. In addition, the user terminals 100-1 to 100-N include a Palm PC, a smart phone, a mobile game machine, And may include all wired and wireless home appliances / communication devices having a user interface for connecting to the web server 210 of the shopping mall server 200 such as a pad or iPad.

Particularly, when the user terminals 100-1 to 100-N are implemented as a normal smart phone, the smart phone is not limited to a variety of application programs that the user desires, unlike a general mobile phone (a feature phone) Is a phone based on an open operating system that can be freely used and deleted and can be used for all mobile phones or voice calls with mobile office functions as well as functions such as voice / But it is desirable to be understood as a communication device including all internet phones or Tablet PCs that can access the Internet.

In particular, when the user terminals 100-1 to 100-N applied to the embodiment of the present invention are implemented as a smart phone, for example, shopping mall related applications (for example, auction, G-market app) program can be downloaded and the shopping mall related application service can be performed.

As described above, the web server 210 of the shopping mall server 200 can access the shopping mall related application service installed in the smart phone and use the merchant relay service such as various goods or services.

The shopping mall server 200, which is a server that operates an online shopping mall service through the communication network 10 and relays a general sale, auction, reverse auction, bargain, etc. of goods or services between the seller and the buyer, The user terminal 100-1 to 100-N registers various sales products sold by the seller and receives various registered sales products through the web server 210 connected to the communication network 10 to the user terminals 100-1 to 100- -N), and manages a web page or an online shopping mall service necessary for a shopping mall operation so that a purchaser can purchase a necessary sale item.

In addition, the shopping mall server 200 can process settlement of the sales items selected and selected by the buyer from the sale merchandise list, and for the sold merchandise to be paid to the buyer, You can manage the necessary web page or online shopping mall services such that you can see the process of delivering, such as notifying the guide, tracking the position of the item being shipped, or the result.

The web server 210 of the shopping mall server 200 connects the user terminals 100-1 to 100-N to the shopping mall server 200 through the communication network 10 and connects the shopping mall server 200 to a predetermined web page or shopping mall And provides an online shopping mall service of the shopping mall server 200 through an application (App). Meanwhile, the web server 210 may also perform the same function of the shopping mall server 200.

The web server 210 of the shopping mall server 200 is also connected to the user terminals 100-1 to 100-N via the communication network 10 to respond to the connection of the user terminals 100-1 to 100-N Transmits a shopping mall page, transmits member authentication means (e.g., a module for inputting a member ID and a password, etc.) to a shopping mall page of the user terminals 100-1 to 100-N in response to a request for an online shopping mall service, And provides the online shopping mall service to the user terminals 100-1 to 100-N in response to the reception of the member authentication data from the user terminals 100-1 to 100-N.

In addition, the seller information DB 220 provided in the shopping mall server 200 stores seller information (for example, a seller ID, a password, a contact, etc.) registered by a registered seller, product information (for example, (E.g., a name, a product name, a price, a product brand, a product characteristic, etc.), service information, and the like, and the information can be read by the shopping mall server 200 or updated with new seller information.

In addition, the buyer information DB 230 provided in the shopping mall server 200 stores buyer information registered by the registered buyer, for example, buyer member ID, password, contact information, shopping cart information, A shopping mall server 200 records / manages information on merchandise information, merchandise in bargain, merchandise information on payment merchandise, delivery information, purchase decision information, and merchandise information on a regular store, It can be read or updated with new buyer information.

Also, the goods information DB 240 provided in the shopping mall server 200 is a DB in which information about various goods or services is recorded, and the information is read by the shopping mall server 200 or updated with new sales goods information .

Particularly, the shopping mall server 200 receives the user authentication information including the card's name, card number, shipping address, and settlement area entered from the user terminals 100-1 to 100-N, The card company server 300-1 to 300-N corresponding to the card's name requests the trial settlement.

At this time, the shopping mall server 200 requests the card issuer servers 300-1 to 300-N to perform trial settlement so that the predetermined trial settlement amount (for example, 1,000 won or the like) It is preferable that the requested trial payment is automatically canceled.

In addition, the shopping mall server 200 may generate a unique authentication number for authenticating the user of the user at the time of a trial payment request, and transmit the unique authentication number to the card issuer servers 300-1 to 300-N together with the trial payment request information.

Furthermore, the shopping mall server 200 receives the approval completion information for the trial payment request transmitted from the card issuer servers 300-1 to 300-N, and based on this information, identifies the card name of the user, a part of the card number (Such as the number of the first digit of the number (the card type by the BIN number) + the fourth digit of the back digit), the shipping address, the settlement area (for example, (220), the buyer information DB (230), or a separate database (DB).

Meanwhile, it is preferable that a part of the card number stores the first 6 digits and the 4th digits of the first and second digits to distinguish the card company and the card type. However, the present invention is not limited to this, and the range may be variously changed according to the embodiment.

At this time, the shopping mall server 200 compares the unique authentication number for authenticating the user inputted from the user terminals 100-1 to 100-N with the unique authentication number for authenticating the user of the user generated in advance, , It is desirable to store the name of the card of the user, a part of the card number, the shipping address, the settlement area, and the amount of settlement of the e-coupon per day.

In addition, when the shopping mall server 200 receives the card payment information and the delivery information for the purchased product from the user terminals 100-1 to 100-N and compares the received payment address with the pre-stored shipping address and the payable area, And requests the card issuer server 300-1 to 300-N to settle the merchandise card using the card settlement information for the merchandise.

In addition, the shopping mall server 200 transmits the card settlement information including card numbers, card validity period, and card password excluding the part of the card number stored in advance at the time of card settlement for the purchased product through the user terminals 100-1 to 100-N It is desirable to provide a service to be input.

In addition, the shopping mall server 200 generates a unique authentication number for delivering the purchased merchandise when requesting payment of the merchandise card by the user, and stores a part of the card number stored in advance, To the card issuer servers 300-1 to 300-N together with the card settlement information including the remaining card number, card validity period, and card password, and sets the card to the delivery disabled state for the purchased product.

In addition, the shopping mall server 200 receives unique authentication numbers for delivery of the purchased goods input from the user terminals 100-1 to 100-N, compares the unique authentication numbers with the unique authentication numbers for delivery of the corresponding purchased goods It is preferable to change the settable non-deliverable state to the deliverable state.

The card issuer servers 300-1 to 300-N provide a card settlement approval service for the purchase goods of the user requested from the shopping mall server 200 in cooperation with the shopping mall server 200 through the communication network 10 And compares the already registered card company member information with the trial payment request information transmitted from the shopping mall server 200. If the user is a registered card company member, As shown in FIG.

In addition, when the card issuer server 300-1 to 300-N receives the unique authentication number for authentication of the user from the shopping mall server 200, the card issuer server 300-1 transmits the approval completion information for the corresponding trial payment request to the corresponding shopping mall server 200 And transmits a unique authentication number for authenticating the user of the user to the corresponding user terminals 100-1 to 100-N. At this time, the card issuer servers 300-1 to 300-N may transmit the unique authentication number for authentication of the user in the form of short message (SMS).

In addition, the card issuer servers 300-1 to 300-N process the card settlement information transmitted from the shopping mall server 200 and transmit the approval completion information for the corresponding merchandise card settlement request to the corresponding shopping mall server 200 .

In addition, when the card issuer servers 300-1 to 300-N receive the unique authentication number for delivering the purchased product from the shopping mall server 200, the card company servers 300-1 to 300-N send the approval completion information for the corresponding merchandise card payment request to the corresponding shopping mall server 200 and transmits a unique authentication number for delivering the purchased product to the corresponding user terminals 100-1 to 100-N. At this time, the card issuer servers 300-1 to 300-N may transmit the unique authentication number for delivering the purchased product in the form of an SMS.

Meanwhile, in the shopping mall server 200 applied to the embodiment of the present invention, the card issuer server 300-1 to 300-N generates a unique authentication number for authenticating the user's identity and a unique authentication number for delivering the purchased product, But the present invention is not limited to this. The card issuer servers 300-1 to 300-N themselves generate respective unique authentication numbers and transmit them to the corresponding user terminals 100-1 to 100-N, 200 may perform the authentication process for the unique authentication number in cooperation with the card issuer servers 300-1 to 300-N.

On the other hand, it is preferable that the unique authentication number for authenticating the user and the unique authentication number for delivering the purchased product, which are applied to the embodiment of the present invention, are generated differently from each other, but the present invention is not limited to this, And can be used in the same manner.

Hereinafter, a card settlement method in an electronic commerce according to an embodiment of the present invention will be described in detail.

FIG. 2 is a general flowchart for explaining a card settlement method in an electronic commerce according to an embodiment of the present invention. FIGS. 3 and 4 illustrate a card settlement method in an electronic commerce according to an embodiment of the present invention. Fig.

Referring to FIG. 1 to FIG. 4, first, a member of the shopping mall server 200 is subscribed through the user terminals 100-1 to 100-N, and then the first card authentication process is performed.

That is, the card pre-identity authentication procedure is a process of authenticating the user in the authentication menu for card pre-identity authentication provided by the web server 210 of the shopping mall server 200 via the user terminals 100-1 to 100-N And requests authentication of the shopping mall server 200 (S100).

At this time, it is preferable that the authentication information includes, for example, a card name (or a type of card company), a card number, a delivery address, and a settlement area (e.g., country and region setting (Korea, Seoul)).

Thereafter, the user authentication information including the card name, the card number, the shipping address, and the settlement area inputted from the user terminals 100-1 to 100-N via the shopping mall server 200 is received, The card issuer server 300-1 to 300-N corresponding to the mission name requests the trial settlement (S200).

At this time, the shopping mall server 200 requests the card issuer servers 300-1 to 300-N to perform trial settlement so that the predetermined trial settlement amount (for example, 1,000 won or the like) It is preferable that the requested trial payment is automatically canceled.

In addition, the shopping mall server 200 may generate a unique authentication number for authenticating the user of the user at the time of a trial payment request, and transmit the unique authentication number to the card issuer servers 300-1 to 300-N together with the trial payment request information.

Next, if the card company member information registered through the card issuer servers 300-1 to 300-N is compared with the trial payment request information transmitted from the shopping mall server 200 and the corresponding user is a registered card company member, And transmits the approval completion information for the trial payment request to the shopping mall server 200 (S300).

At this time, when the card issuer server 300-1 to 300-N receives the unique authentication number for authenticating the user of the user from the shopping mall server 200, the card issuer server 300-1 transmits the approval completion information for the corresponding trial payment request to the corresponding shopping mall server 200 And transmits a unique authentication number for authenticating the user of the user to the corresponding user terminals 100-1 to 100-N. The card issuer servers 300-1 to 300-N can transmit the unique authentication number for authentication of the user in the form of an SMS (short message).

Thereafter, the approval completion information for the trial payment request transmitted from the card issuer servers 300-1 to 300-N is received through the shopping mall server 200, and based on this, the card's name of the user, a part of the card number , The first 6 digits of the card number (the type of the card as the BIN number), the 4 digits of the back digit), the shipping address, and the settlement area (S400).

At this time, the shopping mall server 200 compares the unique authentication number for authenticating the user inputted from the user terminals 100-1 to 100-N with the unique authentication number for authenticating the user of the user generated in advance, , It is desirable to store the name of the card of the user, a part of the card number, the shipping address, and the settlement area.

After steps S100 to S400 are performed as described above, the card pre-identity authentication process is completed first, and then the goods are purchased by the second user and the actual card payment process is performed without the existing authentication window.

That is, the card payment information and the delivery information for the purchased product are input to the order form provided from the web server 210 of the shopping mall server 200 through the user terminals 100-1 to 100-N, And requests payment of the actual merchandise card (S500).

At this time, in the shopping mall server 200, the card payment information including card numbers other than a part of the card numbers stored in advance at the time of card settlement for the purchased merchandise, the card validity period, and the card password through the user terminals 100-1 through 100- (See FIG. 4). On the other hand, when the card payment information is inputted, the keyboard security may be replaced with a virtual keypad.

Thereafter, the card payment information and the delivery information for the purchased product input from the user terminals 100-1 to 100-N through the shopping mall server 200 are received and compared with the shipping address and the settlement area stored in the step S400 (S600), the card issuer server 300-1 to 300-N requests payment of the merchandise card using the card settlement information for the purchased merchandise.

At this time, the shopping mall server 200 generates a unique authentication number for delivering the purchased merchandise at the time of requesting payment of the merchandise card by the user, and stores a part of the card number previously stored, the remaining card number input from the user terminal, To the card issuer servers 300-1 to 300-N together with the card settlement information made up of the password, and to set the card to the delivery disabled state for the purchased product.

Then, it processes the card payment information transmitted from the shopping mall server 200 through the card issuer servers 300-1 to 300-N, and transmits the approval completion information for the corresponding merchandise card payment request to the corresponding shopping mall server 200 (S700).

At this time, when the card issuer server 300-1 to 300-N receives the unique authentication number for delivering the purchase item from the shopping mall server 200, the card company server 300-1 to 300- 200 and transmits a unique authentication number for delivering the purchased product to the corresponding user terminals 100-1 to 100-N. The card issuer servers 300-1 to 300-N may transmit the unique authentication number for delivering the purchased product in the form of an SMS message.

Next, after the user confirms the unique authentication number for delivering the purchased product, the order details and / or order information provided from the web server 210 of the shopping mall server 200 through the corresponding user terminals 100-1 to 100-N, Or transmits the unique authentication number for delivery of the confirmed purchased product to the shopping mall server 200 in the order completion menu.

Thereafter, comparison is made between the unique authentication number for delivering the purchased purchase item input from the user terminals 100-1 to 100-N through the shopping mall server 200 and the unique authentication number for delivering the purchased purchase item in advance If it is the same, the delivery status is changed to the deliverable state and the delivery process is performed.

On the other hand, the shopping mall server 200 compares the unique authentication number for delivering the purchased purchase item input from the user terminals 100-1 to 100-N with the unique authentication number for delivering the purchased purchase item in advance, If the set number of times is incorrect, the card can not be settled (LOCK).

If the following conditions are not satisfied after performing the actual card settlement process as described above, the merchandise card settlement may be deactivated.

First, when entering the courier card after payment of the actual card, the courier card can only be used for the courier service used for the authentication of the first card dictionary. As a result, it is effective to prevent illegal use because it is delivered only to a courier that has been authenticated by the user. If you change your shipping address, you will need to re-authenticate.

On the other hand, in the case of an article which is not shipped like an e-coupon, the daily settlement limit amount can be set to check the cumulative payment amount and the cumulative settlement count to prevent the illegal use.

Second, the location of the user is confirmed by the user IP at the time of payment of the actual card, and then the hybrid authentication settlement of the present invention is deactivated if it is not the card settlement available area set at the time of authenticating the first card.

Third, if the daily accumulated payment amount exceeds a certain amount, the hybrid authentication settlement of the present invention is disabled.

Fourth, if the hybrid certification of the present invention is not performed within a certain time (for example, one hour) after ordering the product, automatic order cancellation and refund will be made.

The hybrid authentication card payment method according to an embodiment of the present invention as described above is a payment method for authenticating a combination of the information set as the primary personal authentication and the post- In order to use the authentication method that can process the delivery step or the payment after the settlement, it is necessary to use the authentication card payment at the payment of the actual merchandise card, set the undeliverable status after payment, and authenticate the unique authentication number for the delivery of the purchased merchandise, There is no authentication, and it is the method of receiving the authentication after payment.

Meanwhile, the card settlement method in the electronic commerce according to an embodiment of the present invention can also be implemented as a computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, a removable storage device, a nonvolatile memory, , And optical data storage devices.

In addition, the computer readable recording medium may be distributed and executed in a computer system connected to a computer communication network, and may be stored and executed as a code readable in a distributed manner.

Although the preferred embodiment of the card settlement system and the method thereof in the electronic commerce according to the present invention has been described above, the present invention is not limited thereto, but may be variously modified within the scope of the claims, It is possible to carry out the modification by branching, and this also belongs to the present invention.

100-1 to 100-N: a user terminal, 200: a shopping mall server,
210: Web server, 220: Seller information DB,
230: shopper information DB, 240: goods information DB,
300-1 to 300-N: Card issuer server

Claims (15)

And a shopping mall server in which a user who is registered as a member through each user terminal provides an online shopping mall service for purchasing a pre-registered product,
The shopping mall server requests the card company server corresponding to the card name of the user based on the authentication information including the card name, card number, shipping address and payment area input from each user terminal, The card name of the user, a part of the card number, the delivery address and the settlement area based on the approval completion information of the transmitted trial payment request,
The shopping mall server receives card payment information and delivery information for a purchase product from each user terminal when the user requests payment of a product card and compares the delivery address of the received delivery information with the stored shipping address And comparing the location of the user identified by the user IP with the settlement area, and when the delivery address of the received delivery information is the same as the stored shipping address and the location of the user is the settlement area, Requesting payment of the merchandise card by the card company server using the card payment information for the customer,
The shopping mall server generates a unique authentication number for delivering the purchased merchandise to the corresponding card company server upon request of the merchandise card payment by the user,
The shopping mall server compares the unique authentication number for delivering the corresponding purchased product inputted from the user terminal with the unique authentication number for delivering the generated purchased product and if it is the same, In the electronic commerce system.
The method according to claim 1,
The shopping mall server automatically requests the trial payment to the card company server so that the predetermined trial payment amount is paid, and automatically cancels the requested trial payment when the approval completion information for the trial payment request is provided from the card company server Card payment system in electronic commerce.
The method according to claim 1,
The shopping mall server generates a unique authentication number for authenticating the user of the user at the time of the trial payment request, transmits the unique authentication number to the corresponding card company server together with the trial payment request information,
The card company server compares the pre-registered card company member information with the trial payment request information transmitted from the shopping mall server, and when the user is a registered card company member, transmits approval approval information for the corresponding trial payment request to the corresponding shopping mall server And transmits a unique authentication number for authenticating the user of the user to the user terminal,
The shopping mall server compares the unique authentication number for authenticating the user entered from the user terminal with the unique authentication number for authenticating the user of the generated user, , The shipping address, and the settlement area of the electronic commerce.
The method of claim 3,
Wherein the card company server transmits a unique authentication number for authenticating the user of the user in the form of a short message.
The method according to claim 1,
Wherein the shopping mall server provides a service such that card settlement information consisting of a card number, a card valid period, and a card password other than a part of the stored card number is inputted at the time of payment of a card for a purchased product through each user terminal Card payment system in commerce.
6. The method of claim 5,
The card company server processes the card payment information transmitted from the shopping mall server and transmits approval completion information for the corresponding merchandise card payment request to the shopping mall server and transmits a unique authentication number for delivering the purchased merchandise to the corresponding user terminal And transmits the card to the card issuer.
The method according to claim 6,
Wherein the card company server transmits a unique authentication number for delivering the purchased product in the form of a short message.
1. A card settlement method in an electronic commerce using a system including at least one user terminal and a card company server connected to a shopping mall server through a communication network,
(a) requesting a card company server corresponding to a user's card name based on the authentication information including the card's name, card number, shipping address, and payment area input from each user terminal through the shopping mall server, ;
(b) storing a card name of the user, a part of the card number, a shipping address, and a payable area based on the approval completion information of the trial payment request transmitted from the card company server through the shopping mall server;
(c) receiving, when the user requests settlement of a merchandise card, card payment information and delivery information for each purchase item from each user terminal through the shopping mall server, receiving the delivery address of the received delivery information, b) comparing the stored address of the user identified by the user IP with the settlement area stored in step (b), comparing the shipping address of the received shipping information with the stored shipping address And requesting settlement of the merchandise card to the card company server using the card settlement information for the purchased merchandise if the location of the user is the settlement area.
The shopping mall server generates a unique authentication number for delivering the purchased product when the user makes a payment request for the merchandise card and transmits the unique authentication number to the card issuer server and sets a delivery disabled state for the purchased product; And
The shopping mall server compares the unique authentication number for delivering the corresponding purchased product inputted from the user terminal with the unique authentication number for delivering the generated purchased product and if it is the same, In the electronic commerce.
9. The method of claim 8,
In the step (a), when the shopping mall server receives the approval completion information for the trial payment request from the card company server after requesting the card company server to perform the trial settlement so that the preset trial payment amount is paid, And automatically canceling the card payment.
9. The method of claim 8,
In the step (a), the shopping mall server generates a unique authentication number for authenticating the user of the user at the time of the trial payment request, transmits the unique authentication number to the corresponding card company server together with the trial payment request information,
The card company server compares the pre-registered card company member information with the trial payment request information transmitted from the shopping mall server, and when the user is a registered card company member, transmits approval approval information for the corresponding trial payment request to the corresponding shopping mall server And transmits a unique authentication number for authenticating the user of the user to the user terminal,
In the step (b), when the shopping mall server compares the unique authentication number for authenticating the user inputted by the user terminal with the unique authentication number for authenticating the user of the generated user, A card name, a part of the card number, a delivery address, and a settlement area are stored.
11. The method of claim 10,
Wherein the card company server transmits a unique authentication number for authenticating the user of the user in the form of a short message.
9. The method of claim 8,
In the step (c), the shopping mall server transmits a card payment information including a card number, a card valid period, and a card password other than a part of the stored card number, Wherein the payment information is provided to the user.
13. The method of claim 12,
The card company server processes the card payment information transmitted from the shopping mall server and transmits approval completion information for the corresponding merchandise card payment request to the shopping mall server and transmits a unique authentication number for delivering the purchased merchandise to the corresponding user terminal And transmitting the card to the electronic commerce server.
14. The method of claim 13,
Wherein the card company server transmits a unique authentication number for delivering the purchased product in the form of a short message.
A computer-readable recording medium having recorded thereon a computer program for executing the method according to any one of claims 8 to 14.

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