KR20010112546A - Electronic commercial system and method using a credit card - Google Patents

Abstract

A granulated powdery paint characterized by being produced by granulating a starting powdery paint having an average particle diameter of not larger than 10 mum so as to have an average granule diameter suitable for powder coating; and a process for producing a granulated powdery paint characterized by granulating a starting powdery paint having an average particle diameter of not larger than 10 mum so as to have an average granule diameter suitable for powder coating.

Description

Electronic commercial system and method using a credit card}

The present invention relates to an electronic commerce system and method, and more particularly to an electronic commerce system and method using a credit card for reducing the exposure of credit card information during electronic commerce.

With the advent of the information age, the world is increasingly relying on network communications, and computer-based technologies have a profound impact on accessing, storing, and distributing information, the most representative of which is electronic information on network communications. It is an electronic commerce that performs financial transactions by exchanging.

1 is a view for explaining a general electronic commerce system.

Referring to FIG. 1, when a consumer manipulates a user computer 10 and sends a purchase intention to a shopping mall market server 20 through an internet or a van network in a cyber space, the shopping mall market server 20 requests the certification authority 30 to authenticate the buyer's payment method, and the payment gate 40 is secured by the financial institution 50 such as the bank, credit card company, or prepaid card issuing company that issued the payment method. After querying an authentication database, an e-commerce transaction is approved.

In such electronic commerce, electronic money for electronic commerce is used as a payment method of the transaction, and the type is IC card type electronic money and amount information used as electronic money by inputting the amount information into a rechargeable IC chip attached to the card. Is classified as a network type electronic money stored in the user's hard disk and used as electronic money.

However, in the case of such an e-commerce, in an open network such as the Internet, messages transmitted and received are illegally intercepted or tampered with, and security problems such as infringement of the privacy of the payer or financial loss are becoming obstacles to the e-commerce. There is a need for a safe and efficient electronic trading system.

In general, in the case of a bank account transfer, a conventional payment system is a method of inputting a bank account number or password into a certain form on-line, and in the case of a prepaid card, an ID (ID) and a password are fixed on-line. In the case of using a credit card, in the case of using a credit card, personal credit information, that is, in the case of a credit card, enters a credit card number and an expiration date.

However, the user directly inputs the personal credit information or financial information for a conventional e-commerce in a form provided by the operator. The personal information is exposed on the network, or the provided credit information or bank information is neglected and cracked. As a result of the invasion of the company, it is hindering the development of conventional e-commerce.

In particular, when using a hacking tool such as a back orifice, it is extremely dangerous to enter personal information in a co-working place such as a game room or work place because all contents input through the keyboard are hacked into hackers or crackers with impure purposes. There is this.

In addition, on the user side, the process of inputting and authenticating various data performed for electronic commerce required a complicated and cumbersome process.

Therefore, the technical and problem of the present invention is to solve such a conventional problem, and an object of the present invention is to provide an electronic commerce system using a credit card for performing electronic commerce using temporary credit card number and expiration date information. will be.

It is another object of the present invention to provide an electronic commerce method using the above credit card.

1 is a view for explaining a general electronic commerce system.

2 is a view for explaining an electronic commerce system using a credit card according to an embodiment of the present invention.

3 is a view for explaining the procedure of the electronic commerce system using a credit card according to an embodiment of the present invention.

4 is a flowchart illustrating an operation of a user PC according to an embodiment of the present invention.

5 is a flowchart illustrating an operation of a temporary credit card number generation server according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: client system 110: user PC

120: wired telephone 130: mobile communication terminal

200: authentication server 300: temporary card number generation server

310: temporary credit card number generator 320: life time generator

400: shopping mall server 500: credit card company server

In an electronic commerce system using a credit card according to one feature for realizing the object of the present invention, a shopping mall server and a credit card company server,

An authentication server for checking whether the credit card is authenticated;

One or more user PCs performing electronic commerce using a credit card; And

A temporary credit card number is randomly generated when there is a request for a temporary credit card number from the user's PC using an authenticated credit card, and a temporary credit card number is generated and the lifetime of the number is provided to the client system. It includes a credit card number generation server.

In addition, an electronic commerce method using a credit card according to one feature for realizing another object of the present invention described above,

(a) transitioning the generation of the temporary credit card number to the standby state only for a user authenticated as the actual owner of the credit card; And

(b) accessing a predetermined shopping mall server, selecting a credit card method among one or more payment methods according to an electronic commerce, and requesting the temporary credit card number and an expiration date according to the input of a predetermined credit card number and an expiration date. If so, providing the temporary credit card number and expiration date to the user side.

According to the electronic commerce system and method using such a credit card, the actual credit card number and the expiration date are not exposed, and the temporary credit card number and the expiration date are used during the e-commerce transaction, thereby reducing the possibility of exposure of the actual credit card number and the expiration date. Can be.

Then, embodiments will be described so that those skilled in the art can easily implement the present invention.

2 is a view for explaining an electronic commerce system using a credit card according to an embodiment of the present invention.

As shown in Figure 2, the electronic commerce system using a credit card according to an embodiment of the present invention is a client system 100, authentication server 200, temporary card number generation server 300, shopping mall server 400 and Credit card company server 500 is included.

The client system 100 includes a user PC 110, a wired telephone 120, and a mobile communication terminal 130 that can be accessed online such as the Internet. It is authenticated through the e-commerce transaction by providing a real credit card number and a temporary credit card number for the validity period and the validity period. For example, a method of authenticating from the authentication server 200 by typing a credit card number used offline may be used, or a predetermined key method may be installed by mounting a credit card configured to be used online in the user PC 110. The credit card number and the validity period stored through the authentication server 200 may be provided to be authenticated. The credit card mentioned in the embodiment of the present invention is a concept including various credit cards such as debit, prepaid and postpaid.

The authentication server 200 includes a predetermined member DB, performs an authentication operation based on the member information stored in the member DB when authentication of the credit card is requested from the user PC 110, and authenticates the authenticated user PC 110. ), The user PC 110 and the temporary credit card number generation server 300 is connected online.

The temporary credit card number generation server 300 includes a temporary credit card number generator 310 and a life time generator 320 to receive a request for a temporary credit card number and an expiration date from an authenticated user PC 110. In this case, a temporary credit card number and an expiration date are generated and provided to the user PC 110, and the generated information is provided to the credit card company server 500.

In more detail, the temporary credit card number generator 310 randomly generates a temporary credit card number and an expiration date and provides them to the user PC 110 and the credit card company server 500, and the life time generator 320 provides the temporary A life time of a credit card number is generated and provided to the user PC 110 and the credit card company server 500. In this case, the temporary credit card number and the expiration date provided to the user PC 110 are provided through the corresponding reception path when the reception side, for example, a wired or wireless network is set up by the user.

The shopping mall server 400 provides a platform for a predetermined payment to the user PC 110 when a purchase request is received from the user PC 110, and provides information on the credit card number and the expiration date. In order to check the validity, the credit card company server 500 requests a check, and if it is checked as valid information, the authorization message of the corresponding transaction is provided to the user PC 110.

The credit card company server 500 checks the validity of the credit card number and the validity period when a message for checking the validity of the credit card number and the validity period is input from the shopping mall server 400. The message is provided to the shopping mall server 400. In this case, the credit card company server 500 stores the temporary credit card number, the expiration date information, and the life time when the temporary credit card number generation server 300 is notified, and then checks the validity from the shopping mall server 400. If a message is entered, the life time can be checked and the temporary credit card number and expiration date can be checked. In addition, when a message for checking the validity is input, the temporary credit card number generation server 300 checks whether the information is justified and outputs the information to provide the shopping mall server 400 with information according to its response. It may be.

3 is a view for explaining the procedure of the electronic commerce system using a credit card according to an embodiment of the present invention.

2 and 3, when the user PC 110 requests authentication from the authentication server 200 side, the authentication server 200 checks whether or not the official credit card holder is a valid credit card holder. If it is checked, the authentication message is transmitted to the user PC 110, and the temporary card number generation server 300 is set to use standby state.

The user PC 110, which has been authenticated through the authentication server 200, accesses the shopping mall server 400 to surf for the purchase of an item, and if there is an item to be purchased, notifies the purchase intention of the corresponding item. . At this time, the payment method for the purchased goods may also be notified.

The shopping mall server 400 provided with the intention to purchase the product provides a platform on which the user PC 110 may input a credit card number and an expiration date. In this case, the provided platform is a platform used for general electronic commerce on the Internet.

The user PC 110 provided with the platform requests a temporary credit card number and an expiration date to the temporary card number generation server 300. At this time, the reception path that can be provided may also be provided. For example, a user may set a path for receiving a voice message through a user's wired telephone 120 through a public telephone network (PSTN), or carry a mobile communication terminal 130 possessed via a mobile communications network. By setting a path for receiving in the form of a voice message or a text message (SMS) through the temporary card number generation server 300 can be requested. The reason for setting the reception path is to solve the problem that the temporary credit card number is provided to others even if the user leaves his PC.

The temporary card number generation server 300 that has been requested to provide the temporary credit card number and the validity period generates the temporary credit card number and the life time and provides them to the user PC 110 and the credit card company server 500.

The user PC 110 inputs a temporary credit card number to the platform provided from the shopping mall server 400 and sends it to the shopping mall server 400. At this time, the user side enters the temporary credit card number and the expiration date, etc. provided from the temporary credit card number generation server 300 in the corresponding column of the platform provided from the shopping mall server 400, or drags and drops the provided number or period ( It can be provided by drag-drop method.

In addition, the information on the temporary credit card number and the expiration date provided from the temporary credit card generation server 300 has the same form of the actual credit card number and the expiration date, so the e-commerce system used in the existing e-commerce system. And format can be used as is.

The shopping mall server 400 requests the credit card company server 500 to approve the temporary credit card number and the validity period.

The credit card company server 500 that has received an authorization transaction of the credit card number and the validity period requests the temporary credit card number generation server 300 for validity of the number, and the temporary card number generation server 300 is a user PC. Request 110 to check the validity.

If the user determines that the temporary credit card number and validity period are valid, the user side provides a valid message of the information to the credit card company server 500 via the temporary credit card number generation server 300.

The credit card company server 500 provides the transaction valid message to the shopping mall server 400 based on the valid message provided by the user via the temporary credit card number generation server 300, and the shopping mall server 400 approves the transaction. The message is provided to the user side PC 110.

If the temporary credit card invalid message is output from the user PC 110 and input via the temporary credit card number generation server 300, the credit card company server 500 provides the transaction invalid message to the shopping mall server 400. The shopping mall server 400 provides a transaction impossible message to the user PC 110 based on this.

In the above, the credit card company server 500 receives the temporary credit card number and the life time from the temporary credit card number generation server 300 and stores the information on the validity of the information on the temporary credit card number generation server 300. Although a check method has been used, since the information on the temporary credit card number and the expiration date has already been notified, the validity of the transaction may be provided to the shopping mall server 400 based on the received information.

Hereinafter, an electronic commerce system using a credit card according to the present invention will be described in detail.

4 is a flowchart illustrating an operation of a user PC according to an embodiment of the present invention.

Referring to FIGS. 2 to 4, first, when a user wants to perform an e-commerce transaction using a credit card, it is authenticated whether or not the possessed credit card is a formal credit card holder (step S110).

Subsequently, if the credit card is authenticated as a formal credit card, information such as a temporary credit card number and an expiration date is randomly connected to the temporary card number generator 300 which is randomly generated and kept in a standby state (step S120). .

Then, the user accesses the online shopping mall and performs shopping (step S130).

If there is an item to be purchased during online shopping in step S130, a predetermined operation for purchase, for example, a payment method and the like, is selected (step S140).

Subsequently, when a predetermined platform screen for inputting information such as a credit card number and an expiration date is provided from the shopping mall server 400, the temporary credit card number generation server 300 requests a temporary credit card number and an expiration date. (Step S160). In this case, the user may set a reception loop for information such as a temporary credit card number and an expiration date input via the user PC 110. In addition, the user PC 110 may set the lifetime of the temporary credit card number in advance and request the temporary credit card number generation server 300.

Subsequently, the temporary credit card number and the valid period are input from the temporary credit card number generation server 300 (step S170), and it is checked whether an authorization message of the transaction is received (step S180).

If the transaction approval message is received in step S180, it is determined that the transaction has been concluded. If the transaction approval message is not received, the process returns to step S160. For example, if a non-transactional message is input due to the end of the lifetime of the temporary credit card number or the like, the feedback is returned to step S160 to request the information such as the temporary credit card number and the expiration date again and resume the transaction. Do it.

5 is a flowchart illustrating an operation of a temporary credit card number generation server according to an embodiment of the present invention.

2 to 3 and 5, it is checked whether or not the authorized credit card holder or authentication (step S210), and if the authentication is obtained, the connection standby state is maintained (step S220).

Then, it is checked whether there is a request for a temporary credit card number and an expiration date from the user PC 110 (step S230), and if a request for a temporary credit card number and an expiration date is not entered, the feedback is returned to step S220, and the temporary credit When a request for a card number and a valid period is input, a temporary credit card number and a valid period are generated and provided to the user side and the corresponding credit card company server 500 (step S240). Here, the route provided to the user side may be provided to the user PC side using an online network according to the user's setting, or the corresponding route may be provided through a wired telephone or a wireless telephone designated by the user.

Subsequently, when an authorization request for checking the validity of the temporary credit card number and the validity period is input from the credit card company server 500, the user PC 110 provides a message indicating that the authorization request for the corresponding information has been entered ( Step S260), the credit card company server 500 is notified of the approval.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

As described above, the temporary credit card number and the temporary validity period generated according to the present invention have the same external form as the actual credit card number and the actual validity period, and thus the format and the e-commerce system used in the existing e-commerce. Can be used as is.

In addition, temporary credit card numbers and temporary validity periods have a temporary usage period or number of times, for example, 1 to 5 minutes after creation or 1 to 5 times after creation, so that they may occur even when exposed during e-commerce. The problem can be eliminated. In other words, since the actual credit card is not used in an e-commerce transaction, there is a zero possibility that the actual credit card number and the actual validity period that were concerned are exposed. The actual payment process is based on mutual information exchange between the temporary credit card number generation server and the credit card server. The payment is made on the actual credit card.

Claims (8)

In an electronic commerce system comprising a shopping mall server, a credit card company server, An authentication server for checking whether the credit card is authenticated; One or more user PCs performing electronic commerce using a credit card; And A temporary credit card number is randomly generated when there is a request for a temporary credit card number from the user's PC using an authenticated credit card, and a temporary credit card number is generated and the lifetime of the number is provided to the client system. Credit card number generation server Electronic commerce system using a credit card comprising a. The method of claim 1, wherein the temporary credit card number generation server, And providing the temporary credit card number and the life time to the credit card company server side. The method of claim 1, wherein the temporary credit card number generation server, A temporary credit card number generator for randomly generating a temporary credit card number and an expiration date and providing the temporary credit card number to the user PC; And Life time generator for generating the life time of the temporary credit card number to provide to the user PC side Electronic commerce system using a credit card comprising a. The method of claim 1, wherein the temporary credit card number generation server, An electronic commerce system using a credit card, wherein the generated temporary credit card number and expiration date are transmitted to a mobile communication terminal on the client side via a mobile communication network. The method of claim 1, wherein the temporary credit card number generation server, An electronic commerce system using a credit card, wherein the generated temporary credit card number and expiration date are transmitted to a landline telephone on the client side via a public telephone network. (a) transitioning the generation of the temporary credit card number to the standby state only for a user authenticated as the actual owner of the credit card; And (b) accessing a predetermined shopping mall server, selecting a credit card method among one or more payment methods according to an electronic commerce, and requesting the temporary credit card number and an expiration date according to the input of a predetermined credit card number and an expiration date. Providing the temporary credit card number and expiration date to the user side, if any. E-commerce method using a credit card comprising a. The method of claim 6, wherein the temporary credit card number, An e-commerce method using a credit card, which expires at the end of a predetermined life time. The method of claim 6, wherein the temporary credit card number and expiration date information, E-commerce method using a credit card, characterized in that provided by using one or more of the wired and wireless communication network according to the user's choice.