KR20170069610A - Sysetm for paying price using gateway and method thereof - Google Patents

Sysetm for paying price using gateway and method thereof Download PDF

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Publication number
KR20170069610A
KR20170069610A KR1020150177037A KR20150177037A KR20170069610A KR 20170069610 A KR20170069610 A KR 20170069610A KR 1020150177037 A KR1020150177037 A KR 1020150177037A KR 20150177037 A KR20150177037 A KR 20150177037A KR 20170069610 A KR20170069610 A KR 20170069610A
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South Korea
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shopping mall
user terminal
token
mall user
gateway server
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KR1020150177037A
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Korean (ko)
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유정석
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티티비(주)
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Priority to KR1020150177037A priority Critical patent/KR20170069610A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3271—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using challenge-response

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present technology discloses a payment system and method using a gateway. According to a specific example of the present invention, when an e-commerce transaction is performed using a firewall and an authenticated token of a gateway server, a connection between a gateway and a shopping mall user terminal is made without opening a firewall and adding a firewall when adding a shopping mall user terminal Accordingly, the security of the e-commerce service can be enhanced, and each part of the gateway server is connected in parallel using the internal LAN, so that it is easy to add components.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system using a gateway,

The present invention relates to a payment system and method using a gateway, and more particularly, to a payment system and method using a gateway, in which an authorized token issuance, charging, payment, .

So far, various technologies and protocols have been developed and applied to payment methods for purchased products in e - commerce shopping malls. That is, a method is used in which a purchase price is directly received at a shopping mall, or a charge is requested to a credit card number, and the payment is collected in connection with the credit card company.

In addition, various payment protocols for electronic commerce have been proposed. As a method for supporting interoperability between them, a standardization group, World Wide Web Consortium (hereinafter referred to as "W3C") and commerce net Related projects are underway.

The project is to help the consumer or the seller to select the appropriate payment system for any given transaction under a multi-payment system. This project is extended to the Hyper Text Transfer Protocol (HTTP) Developed a Protocol Extension Protocol (PEP) and a Universal Payment Preamble (UPP) protocol, and implemented a pilot service in 1997.

The development of such a protocol requires a separate fee for the user or the shopping mall operator, and there is a disadvantage that separate facilities and subscription procedures are required for the user, such as credit card, electronic wallet, and separate member registration .

In addition, the conventional method as described above has a problem in that the security of the credit card and payment details is poor when the user makes a payment using the credit card which is currently the most widely used.

Accordingly, the present invention proposes a method for providing payment, charging, and remittance services by issuing an approved card using a gateway provided separately, and improving the security of the provided payment related service.

Accordingly, the present invention has been made to solve the above problems, and it is an object of the present invention to provide a method and system for providing a firewall, The present invention provides a payment system and a method using a gateway that can connect a gateway and a shopping mall user terminal without opening the gateway, thereby enhancing the security of the electronic commerce service.

Another object of the present invention is to provide a payment system and method using a gateway in which components of a gateway server are connected in parallel using an internal LAN.

According to an aspect of the present invention, there is provided a payment system using a gateway,

A plurality of shopping mall user terminals;

And when the authentication is successful based on the personal subscription information of each of the plurality of shopping mall user terminals, the token is issued to the shopping mall user terminal, and the identification data of the issued token of the shopping mall user terminal and the identification data of the recorded token are compared A gateway server for performing connection with the shopping mall user terminal and performing settlement of the goods purchase price; And

And a plurality of enterprise servers for receiving commodity purchase fees paid by the gateway server.

Preferably, the gateway server may include an intrusion blocking unit that transmits and receives settlement related data using a firewall when accessing the shopping mall user terminal.

Preferably, the gateway server may be provided to connect a plurality of parts for providing settlement related services in parallel using an internal LAN.

Preferably, the plurality of parts providing the settlement related service

An authentication unit for performing authentication using personal subscription information of a shopping mall user terminal received through the LAN;

A token issuing unit for issuing a token to the user of the shopping product succeeded in authentication;

A database unit for storing identification data and payment related data of the issued token in correspondence with the personal subscription information;

A charging unit for delivering the requested charging amount to the issued shopping mall user terminal at the time of charging the token issued from the shopping mall user terminal;

A settlement unit for charging the charge amount and subtracting a purchase price of a product from a charge amount of the charger when purchasing a product at a shopping mall user terminal; And

And a remitting unit for delivering the payment approval-approved commodity purchase price to the corresponding enterprise server among the plurality of enterprise servers.

[0030] According to another embodiment of the present invention using the above-described system,

a) After executing the user authentication based on the personal subscription information input from the shopping mall user terminal, the token is generated upon successful authentication and the identification data of the generated token is transmitted to the shopping mall user terminal recording the personal subscription information of the corresponding shopping mall user terminal ;

b) connecting between the shopping mall user terminal and the gateway server if the identification data of the token recorded at the connection request of the shopping mall user terminal is compared with the identification data of the input token through the issued token;

c) charging the charge amount of the shopping mall user terminal in the gateway server to the corresponding token, and recording the charge amount corresponding to the identification data of the token;

and d) paying for the purchase price of the goods at the purchase request of the shopping mall user terminal at the gateway server and delivering the completed purchase price to the corresponding enterprise server.

As described above, according to the payment system and method using the gateway according to the present invention, when an e-commerce transaction is performed using the firewall of the gateway server and the authenticated token, The connection between the gateway and the shopping mall user terminal is performed without opening, thereby enhancing the security of the e-commerce service.

In addition, according to the present invention, there is an advantage that it is easy to add a bar component in which each component of the gateway server is connected in parallel using an internal LAN.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given below, serve to further understand the technical idea of the invention. And should not be construed as limiting.
1 is a diagram illustrating a configuration of a payment system using a gateway according to an embodiment of the present invention.
2 is a flowchart illustrating a settlement process using a gateway according to another embodiment of the present invention.

In order to fully understand the present invention and operational advantages of the present invention and the objects attained by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a diagram illustrating a configuration of a payment system using a gateway according to an embodiment of the present invention. As shown in FIG. 1, a prepayment system using a gateway according to an embodiment of the present invention is configured to execute an electronic commerce using a firewall of a gateway server and an authenticated token, and the system includes a plurality of shopping mall user terminals (100), a gateway server (300), and a plurality of enterprise servers (500).

A plurality of shopping mall user terminals 100 are connected to the gateway server 300 through a token (TOKEN) previously issued for use of the e-commerce shopping mall.

The gateway server 300 performs authentication using the personal subscription information of the received shopping product user terminal 100, issues a token to the user who has successfully authenticated the shopping, and transmits the identification number of the generated token to the personal subscription information For example.

At this time, the gateway server 300 functions to connect to a shopping mall user having an authenticated token based on a hypertext transfer protocol (hereinafter referred to as "HTTP"), It is responsible for paying for shopping mall purchase price. Accordingly, since the connection function between the gateway server 300 and the shopping mall user terminal 100 is provided using the approved token, when the shopping mall user terminal 100 is added, the separate firewall job and the floating IP are not turned off, Security is enhanced.

The gateway server 300 includes an intrusion blocking unit 310 called a firewall and an internal LAN 311 connected to the shopping mall user terminal 100 authenticated through the intrusion blocking unit 310.

In other words, the intrusion blocking unit 310 may be configured to prevent the intrusion blocking unit 310 from transmitting the personal identification information and payment related information provided from the shopping mall user terminal 100 to the shopping mall user terminal 100 connected through the internal LAN 311 through the firewall External hacking and so on, so that the security of e-commerce is ensured.

The gateway server 300 includes an authentication unit 320 that performs authentication using personal subscription information of the shopping mall user terminal 100 received through the LAN 311, And a token issuing unit 330.

That is, the authentication unit 320 authenticates the subscriber by inputting personal subscription information of the shopping mall user terminal 100, and when the authentication is successful, the token issuing unit 330 issues an authenticated token to the shopping mall user terminal 100, . Here, the authentication of the subscriber is performed by inputting the individual subscription information of the shopping mall user terminal 100, and when the authentication succeeds, the token issuing unit 330 issues an authenticated token to the shopping mall user terminal 100 A general process of authenticating a member by using personal subscription information inputted at the time of execution after downloading a web-based registered application, generating and transmitting an authenticated credit card, a traffic card, etc. to the successful member The same or similar.

The gateway server 300 further includes a database unit 340 for recording the identification data of the issued token and payment-related data corresponding to the personal subscription information.

The gateway server 300 includes an charging unit 350 that transmits a requested charging amount to the issued shopping mall user terminal 100 when charging is requested for the token issued from the shopping mall user terminal 100, And a settlement unit 360 for subtracting the purchase price of the product from the charge amount of the charging unit 350 at the time of purchasing the product of the shopping mall user terminal 100. [

That is, when a connection with the gateway server 300 is requested by using the token already issued by the shopping mall user terminal 100, based on the identification data of the token recorded in the database unit 340 of the gateway server 300, The terminal 100 and the gateway server 300 are connected using the internal LAN 311.

At this time, the shopping mall user terminal 100 having the authenticated token is connected to the internal LAN 311 of the gateway server 300 via the intrusion blocking unit 310, which is a firewall, Be guaranteed.

The shopping mall user terminal 100 connected to the gateway server 300 via the internal LAN 311 requests charging of the authenticated token and the requested charging amount is transmitted to the charging unit 350, Charge the charge to the token. At this time, the charge amount data is recorded in association with the individual identification information of the database unit 340.

On the other hand, at the time of requesting payment of the commodity purchase price by the shopping mall user terminal 100 connected through the gateway server 300 and the internal LAN 311, the payment unit 360 of the gateway server 300 transmits the commodity purchase price For example, when the commodity purchase price exceeds the charge amount recorded in the database unit 340, a payment unauthorized message is generated and stored in the shopping mall user terminal ( 100). Here, the payment unauthorized message may include a commodity purchase price and an initial charge amount, and may include an additional charge amount.

The settlement unit 360 generates a payment approval message when the purchase price of the product does not exceed the charge amount recorded in the database unit 340 and transmits the generated payment approval message to the shopping mall user terminal 300 via the intrusion blocking unit 310. [ (100) and the remitter (370). Here, the payment approval message includes the identification data of the authenticated token and the commodity purchase price paid.

Then, the payment unit 360 transmits a settlement approval message to the database unit 340 and records a settlement history including a settlement date, a goods purchase point, and a purchase article name in correspondence with the identification data of the token.

The gateway server 300 further includes a remitter 370 for delivering the payment commodity purchase payment to the corresponding enterprise server 500 among the plurality of the enterprise servers 500. The remitter 370 is a device And transfers the purchase price to the corresponding company.

As a result of the electronic commerce using the firewall of the gateway server, connection between the gateway and the shopping mall user terminal is performed without adding a firewall and adding a firewall when a shopping mall user terminal is added. Accordingly, You can strengthen your surname.

In addition, according to the embodiment of the present invention, components such as the issuing unit, the authentication unit, the charging unit, the settlement unit, and the remitter unit of the gateway server are connected in parallel using the internal LAN.

In the gateway server 300 according to the embodiment of the present invention, all data generated in the shopping mall operation such as the member information and payment information in the e-commerce shopping mall are stored in the database unit 320 and the payment related service is transmitted to the gateway server A card company, and a delivery company through an authentication unit 330, an issuing unit 330, a charging unit 350, a settlement unit 360, and a remitting unit 370 It can also be implemented.

A series of processes for executing electronic commerce using a firewall of the gateway server will be described with reference to FIG.

FIG. 2 is a flowchart illustrating an operation procedure of the payment system using the gateway shown in FIG. 1. Referring to FIG. 2, a payment process using a gateway according to another embodiment of the present invention will be described.

First, the gateway server 300 authenticates the shopping mall user based on the personal subscription information registered after the member registration using the personal subscription information input by the shopping mall user terminal 100 (S1).

Then, the gateway server 300 issues an authenticated token to the shopping mall user terminal 100 and transmits the token to the shopping mall user terminal 100 (S3, S5).

On the other hand, the shopping mall user terminal 100 makes a request for connection with the gateway server 300 using the issued token, and the gateway server 300 compares the identification data of the input token with the identification data of the issued token, The connection with the shopping mall user terminal 100 is performed (S7, S9).

Then, when requesting charging of the token issued from the shopping mall user terminal 100, the gateway server 300 charges the corresponding token of the shopping mall user terminal 100 (S11, S13).

When the payment request for the purchase price of the commodity purchase money of the shopping mall user terminal 100 is made, the gateway server 300 makes a settlement of the purchase price of the commodity by subtracting the charge amount and transmits a payment approval message to the shopping mall user terminal 100 (S15 , S17, S19, S21). The shopping mall user terminal 100 then sends the payment commodity purchase money to the corresponding enterprise server among the plurality of enterprise servers (S23).

If the payment approval is not made in step S19, a payment unauthorized message is generated and transmitted to the shopping mall user terminal 100 (S25).

According to the embodiment of the present invention, as the e-commerce is performed using the firewall of the gateway server, when the shopping mall user terminal is added, connection between the gateway and the shopping mall user terminal is performed without opening a firewall operation and floating IP, The security of the service can be enhanced.

Also, according to the embodiment of the present invention, since the components of the gateway server are connected in parallel using the internal LAN, it is easy to add components.

The term " module " used in this embodiment means a hardware component such as software, FPGA or ASIC, and the module performs certain functions. However, a module is not limited to software or hardware. A module may be configured to reside on an addressable storage medium and configured to play back one or more processors. Thus, by way of example, a module may include components such as software components, object-oriented software components, class components and task components, and processes, functions, attributes, procedures, Microcode, circuitry, data, databases, data structures, tables, arrays, and variables, as will be appreciated by those skilled in the art. The functionality provided within the components and modules may be combined into a smaller number of components and modules or further separated into additional components and modules. In addition, components and modules may be implemented to play one or more CPUs in the device.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

As the electronic commerce is performed using the firewall and the authenticated token of the gateway server, connection between the gateway and the shopping mall user terminal is performed without adding a firewall and adding a firewall when the shopping mall user terminal is added. Accordingly, The security of the gateway server can be enhanced and the parts of the gateway server can be connected in parallel using the internal LAN. As a result, it is possible to improve the accuracy and reliability of operation and reliability of the payment system and method using the gateway, It is an invention that can be used industrially because it can make a very big progress in efficiency and it is enough to be able to carry out the commercialization or sales of the electronic commerce system as well as realistically and clearly.

Claims (5)

A plurality of shopping mall user terminals;
And when the authentication is successful based on the personal subscription information of each of the plurality of shopping mall user terminals, the token is issued to the shopping mall user terminal, and the identification data of the issued token of the shopping mall user terminal and the identification data of the recorded token are compared A gateway server for performing connection with the shopping mall user terminal and performing settlement of the goods purchase price; And
And a plurality of enterprise servers for receiving a commodity purchase price paid by the gateway server.
The gateway server according to claim 1,
And an intrusion blocking unit that transmits and receives settlement related data using a firewall when accessing the shopping mall user terminal.
The gateway server according to claim 1,
And a plurality of parts for providing settlement related services using an internal LAN are connected in parallel. The billing service-related component according to claim 3,
The plurality of parts providing the payment related service
An authentication unit for performing authentication using personal subscription information of a shopping mall user terminal received through the LAN;
A token issuing unit for issuing a token to the user of the shopping product succeeded in authentication;
A database unit for storing identification data and payment related data of the issued token in correspondence with the personal subscription information;
A charging unit for delivering the requested charging amount to the issued shopping mall user terminal at the time of charging the token issued from the shopping mall user terminal;
A settlement unit for charging the charge amount and subtracting a purchase price of a product from a charge amount of the charger when purchasing a product at a shopping mall user terminal; And
And a remitting unit for delivering the settlement approved purchase commodity price to the corresponding enterprise server among the plurality of enterprise servers.
a) After executing the user authentication based on the personal subscription information input from the shopping mall user terminal, the token is generated upon successful authentication and the identification data of the generated token is transmitted to the shopping mall user terminal recording the personal subscription information of the corresponding shopping mall user terminal ;
b) connecting between the shopping mall user terminal and the gateway server if the identification data of the token recorded at the connection request of the shopping mall user terminal is compared with the identification data of the input token through the issued token;
c) charging the charge amount of the shopping mall user terminal in the gateway server to the corresponding token, and recording the charge amount corresponding to the identification data of the token; And
and d) paying for the purchase price of the merchandise at the purchase request of the shopping mall user terminal at the gateway server, and delivering the paid purchase price of the merchandise to the enterprise server.
KR1020150177037A 2015-12-11 2015-12-11 Sysetm for paying price using gateway and method thereof KR20170069610A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20230033848A (en) 2021-09-02 2023-03-09 박흥식 oyster shell sulfur insect feed Preparation

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20230033848A (en) 2021-09-02 2023-03-09 박흥식 oyster shell sulfur insect feed Preparation

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