KR20000036824A - Electronic Card Account System Of Distributing Information Management - Google Patents

Abstract

The present invention is an electronic payment security system when purchasing a product by accessing a shopping mall on the Internet, and instead of the existing method of inputting a credit or debit card number, payment information is stored to a payment card, which is an electronic recording medium, to members. Then, the member inserts the payment card into the computer system and the computer system automatically reads the payment information and uses it for payment of the member, so that the damage caused by personal information is minimized.

To this end, the card company manages payment information using a separate management system, and the payment information consists of the member management number, normal payment number, accident payment number, and image SIGN. The member management number, purchase information, and authorization number management system enables payment information, approval number, and purchase information to prevent information leakage by operating an information distribution system that manages payment information, purchase information, and personal information.

In addition, the password allows the user to use the normal password that can use the normal payment information and the accident password that can use the accident payment information so that the member can defend himself in abnormal situations, and can be used only by entering the password. By using it, input can be simplified and personal computing equipment can be easily used by using CD-ROM or diskette as the medium of payment card.

Description

Electronic Card Account System Of Distributing Information Management

The present invention relates to a payment security system of the Internet e-commerce for preventing the leakage of personal information and illegal users for the card user during the e-commerce on the Internet.

With the development of the Internet, e-commerce that makes purchases through the Internet has become more active, shopping malls that sell products through the Internet are also active, and the use of credit or debit cards is increasing as a payment method of e-commerce. By entering the credit card or debit card number and personal details when purchasing the product and notifying the shopping mall, personal information and financial information are exposed to the shopping mall, copying cards using the exposed information, or using illegal information and invading personal privacy. It is occurring frequently.

Due to such a problem, buyers avoid using e-commerce due to distrust of e-commerce, thus hampering the development of e-commerce.

On the other hand, the existing shopping mall adopts the card number input and personal information input method, but such a method is that the personal information and financial information of the buyer is exposed to the shopping mall every time the product is purchased, and it is easily denied by the exposed information and there is a problem of invading privacy. In addition, there is a problem that a consumer feels uncomfortable because a large amount of personal information must be input for each e-commerce transaction.

In addition, fingerprint reader use, IC card use, and data encryption method has been reviewed, but there is a problem such as lack of personal information leakage prevention due to the burden on the buyer and the input of personal information is necessarily accompanied.

The present invention has been made to supplement these points, and an object of the present invention is to prevent leakage of personal information and financial information and to simplify payment information input in a transaction.

Figure 1 is a recruitment step for issuing a payment card.

Figure 2 is a step of issuing a payment card to the member by mail or courier after recruiting.

Figure 3 is a step of issuing a payment card through the website after recruiting members.

4 configuration information of the payment card.

Figure 5 is a reissued step due to the payment card lost.

6 is a normal electronic payment diagram of the normal payment using the normal payment information in the normal situation.

Figure 7 is an accident electronic payment diagram using the accident settlement information in the accident situation.

<Description of the code | symbol about the principal part of drawing>

1: Member registration documents sent

2: Member registration documents and information (accident password + normal password + real image)

3: Issuing password

4: Write normal payment number and accident payment number

5: Notification of image information, normal payment number, accident payment number, address and name

6: Membership management number creation and driving program

7: Writing payment card issuance program

8: Notification of Membership Management Number

9: Notification of normal password and accident password

10: Completed the driving program, completed the payment card, completed the member management database

11: payment card delivery

12: Membership management number creation and driving program

13: Run payment card issuing program connected to card company

14: Access to the member management system website

15: Notification of normal password and accident password

16: Completion of driving program and member management database

17: Access to the member management system website

18: Insert member's electronic recording media and input issuance password

19: Automatically record payment information on electronic recording media

20: Reissue Application and New Image Registration

21: Create payment information using new images

22: Enter web access and issue password

23: payment card issuance

24: Notification of reissuance to card company

25: Register new image

According to the present invention for achieving the above object

In the information distribution management card payment system using the electronic recording medium of electronic commerce through the Internet,

At the request of the member, the issuing stage of the payment program which records the driving program driven by the card password and the minimum payment information of the member;

The member's payment information is approved by the member management system using the payment card, and the payment information of the member is read out by driving the driving program using the payment card. The payment information of the member is distributed and processed by the shopping mall, the member management system, and the card company. It is characterized by having a step.

In addition, after receiving the member's written request, the member's payment information and operation program created using the member's information written in the member's written request is issued by the management system to the member by sending a payment card recorded on the electronic recording medium by mail or courier. It is done.

Also, upon receiving the member's written request, the member will be given a payment card issuance password, and the management system will make the payment information using the member information, and the member will access the website of the member management system using the computer equipment and the Internet. When the issuing password, the normal password and the accident password are input by using communication, the management system automatically creates a driving program and automatically records the electronic recording medium owned by the member to issue a payment card.

In addition, the member's management number consisting of the member's registration date, the member's 4 digits of the social security number and the 4 digits of the card number, and the first number is 0 (zero), and the remaining numbers are arranged in the reverse order of the 16 digits of the member's card number. The normal payment number made from 4bit rotated data for each number and the first number is 1, and the remaining numbers are arranged in the reverse order of 16 digits of the member's card number. It has the characteristics of member payment information consisting of three pieces of information of image SIGN used by compressing the registered image and a driving program used to read payment information by inputting a password.

In addition, the electronic payment card used as a recording medium has a feature that members can easily use the computer equipment, such as 3.5-inch floppy diskette and CD-ROM.

In addition, the payment information input step for driving the payment card by the input of the card password and the normal payment information by reading the normal payment information by simply entering the normal password and reading the accident payment information by inputting the normal payment phase and the accident password that are used for normal e-commerce transactions. Therefore, it has the characteristics of accident settlement stage of accident e-commerce.

Also, the normal input method inserts an electronic card into the member's computer equipment and simply inputs the normal password in the normal transaction situation to automatically read the member management number, the normal payment number and the normal payment information of the image SIGN and transmit it to the shopping mall or the member management system. In addition, the member inputs the accident password in the accident situation of the product purchase using the shopping mall under the coercion of others, and automatically reads the member management number, the accident settlement number and the accident settlement information of the image SIGN, and automatically transmits them to the shopping mall or the member management system. Characterized by the thinking input method.

In addition, by using the normal payment information transmitted from the member's computer equipment, the shopping mall stores the member management number, purchase information and approval number of the normal payment information, and transmits the transaction information including the merchant number and purchase information to the management system in the payment information. If the management system stores the transaction information in the transaction management database, compares the image SIGN with the registered image SIGN, checks whether it is a normal payment card, and transmits the approval information except image SIGN among the transaction information to the card company. After converting the payment number to the card number to check the credit status of the member, and if the payment is possible, the authorization number is transmitted to the management system, and the management system stores the authorization number in the transaction database and sends the authorization number to the shopping mall. The approval number, member management number and date of use are stored in the payment database and the member's computer system To deal with the normal output message and is characterized in that the output authorization number and shipping the goods.

In addition, by using the accident settlement information transmitted from the member, the shopping mall stores the member management number and purchase information among the accident settlement information, and transmits transaction information including the purchase information and merchant number to the accident settlement information to the management system. Store transaction information in the accident database and notify the card company of approval information and accident information, which is information other than image SIGN among transaction information, and store the approval information in the accident database, and the card company transmits the accident approval number to the management system. If the management system stores the accident approval number in the accident database and sends the accident approval number to the shopping mall, the shopping mall deletes the stored transaction details and outputs the normal transaction completion message to the member's computer system and does not deliver the goods. It features.

In addition, the member manages the accident password, normal password and payment card, the shopping mall manages the member management number, approval number and purchase information of the member, and the management system is the member management number, normal payment number, accident settlement number, image SIGN and purchase information. And the card company is characterized by managing the member management number, normal payment number, accident payment number, purchase information and other member information.

In addition, it is characterized by reissuing the payment card when the payment card is damaged or lost.

In addition, the existing member is characterized by issuing a payment card by re-registering the image SIGN using the existing registered payment information in the reissue due to the damage or loss of the payment card.

Hereinafter, an information distribution management card payment system using an electronic recording medium in the Internet electronic commerce according to the present invention will be described in detail with reference to the accompanying drawings.

The present invention consists of a member recruitment step, payment card issuance step for payment, payment processing step and re-issuance step for electronic commerce.

〈Membership Recruitment Stage〉

Referring to Figure 1, membership recruitment card card notification of membership recruitment, and sending an application to the member, the member can use the normal password and accident payment information that can use the real image and the normal payment information determined by the member accident password When received with the application form, the payment card issuance password is given to the member and the contents are notified to the management system that manages the separate payment information.

<Electronic payment media issuing stage>

Issuance method is divided into two types and decided according to customer's choice.

2 is a step of issuing a payment card after the membership recruitment by member by mail or courier, Figure 3 is a step of issuing a payment card after recruiting through the Internet website.

First, the card company notifies the management system of the member information and member address composed of the normal payment number and the accident payment number, which are created by using a separate encryption system using the image SIGN and the member management number and the card number, which are the real images of the member.

The management system establishes a member management database that registers payment information with a member management number attached to the member information. When the card company notifies the card company, the card company separately configures a billing database using the payment information.

However, in some cases, the management system may be responsible for the billing system using the payment number and control number.

In the first method, the management system records the accident password, the normal password, and the card information composed by the member, which is assigned by the member through the payment information and the card issuing transaction, and delivers the issued payment card directly to the member.

In the second method, the member accesses the management system's homepage, accesses the management system's homepage via the Internet, enters the name issuing password, and enters the accident password and the normal password. The payment card is automatically issued on the electronic recording medium of the computer equipment.

When the payment card issuing stage is completed, the accident password and the normal password are deleted from the card company and the management system, and only members are recognized and managed.

<Composition of Electronic Payment Media>

4 is a configuration information of the payment card, the contents recorded on the payment card is composed of a payment program and a driving program consisting of a driving program, a normal payment number, an accident payment number, a management number, and an image SIGN, which is a real image of a registered member. The payment number is the number encrypted by the card company or the management system using the member's card number, and the member's image SIGN is the real image registered by the member at the time of membership registration.

The driving program has a function of determining whether to use normal payment information or accident payment information by reading a normal password and an accident password input from a member, and a security function to prevent copying to another medium.

How to write the payment number consists of the member's card number in reverse order and rotates each number with 4BIT, and separates the normal payment number and abnormal payment number before the first number, and the management number is the schedule of member registration date and card number. The electronic media used for the digit number and used for the payment card may be a 3.5-inch floppy disk and other electronic storage media such as a small CD-ROM and a memory card, which are the member's choice.

〈Payment Process〉

FIG. 6 is a normal electronic approval diagram for smoothly settlement using normal payment information in a normal situation, and FIG. 7 is an accident electronic approval diagram for performing an accident accident settlement using accident settlement information in an accident situation.

The payment card usage method is that when a member accesses a shopping mall on the Internet, selects a purchase product, and clicks payment, when the payment program is run and a password input field is displayed, the member enters a normal password in a normal use environment, and an abnormal use environment. In this case, payment information is used as a simple input method for entering an accident password.

If the management program and image SIGN recorded on the payment card and the password entered by the member are the normal password, the normal payment information including the normal payment number is composed of the accident payment information including the accident payment number. When the information is read and transmitted to the shopping mall, and the shopping mall transmits transaction information, which attaches the merchant number and purchase information to the payment information, to the management system, the computer system transmits the transaction information transmitted from the shopping mall. After receiving the data, store it in the transaction management database and check the first number of the payment number among payment information to check whether it is a normal transaction or an accident transaction.

In the case of a normal transaction, the management system compares the image SIGN registered in the member management database with the image SIGN among the transmitted payment information by file comparison method, and if it is the same, it is judged as an abnormal payment card if it is wrong with a normal payment card, and with an abnormal payment card. If it is determined that the management system notifies the shopping mall of abnormal use, the shopping mall outputs a re-request request message to the member's computer equipment. If it is determined to be a normal payment card, the management system displays the purchase information in the payment information except the image SIGN. Authorization information including the number and merchant number is transmitted to the card company through the Internet.

In case of an accident transaction, the management system stores the transaction information of the member received from the shopping mall in the accident database, and transmits the approval information including the merchant number and purchase information to the card company through the Internet to the payment information except the image SIGN among the member payment information. In addition, the credit card company reads the first number of the settlement number from the received authorization information and checks whether it is an accident transaction or a normal transaction.

When the card company confirms that the accident transaction is stored in the accident management database and transmits the accident approval number to the management system, the management system stores the transaction information and the accident approval number in the accident database, and sends a message to the shopping mall When the accident approval number is sent, the shopping mall deletes the member's transaction information, and the management system outputs the transaction completion message and the accident approval number to the member's computer equipment, and the goods are not delivered, and the card company and the management system switch to the accident countermeasure environment.

When the card company confirms the normal transaction, the card number is converted using the payment number, and the credit card information of the member is searched to check whether the payment is possible. If the payment is impossible, the card unavailable information is sent to the management system. The received management system deletes the member's transaction information stored in the transaction management database and transmits the non-payable information to the shopping mall, the shopping mall sends the non-payable information to the member's computer equipment, and the member determines the situation. Retrade accordingly.

When the card company confirms that the payment is possible, it stores the authorization information and the card number received from the management system in the payment database to prepare for the billing from the shopping mall and sends the approval number to the management system. Store in the management database, and transmit the authorization number to the mall. The shopping mall stores the approval number, member management number and payment in the billing database, transmits the transaction approval number and the normal transaction completion information to the member's computer equipment, and delivers it to the product member.

〈Card Reissue Process〉

Figure 5 is a reissued step due to the payment card lost.

If an existing member needs to be reissued due to the loss or damage of the payment card, the member's real image, issuance password, and application for reissuance are sent to the management system. The management system stores the transferred member's image in the existing member management database. It replaces the member's image with the member's image, replaces the payment card to be reissued with the image SIGN data, and attaches the member management number, the accident settlement number, and the normal payment number to the existing payment card driving program or member. When the normal password is changed, the payment information for the payment card is created by using the rewritten operation program.If the member wants to send mail or courier, the payment system directly prepares the payment card and delivers it to the member. When issuing through a member, the member accesses the website of the management system Automatically record new payment information to the payment card details held in original and reissue the notice issued by credit card companies after completion.

As described above, the present invention concentrates the member's personal information on the card company and prevents it from leaking to the shopping mall, and also searches whether the card is a normal card through image SIGN search, and also enables the member to use the accident password and the normal password, Allow members to pay for e-commerce on the Internet with confidence.

In addition, by using the 3.5-inch floppy disk or CD-ROM as a medium for storing the payment number, it can be driven using the equipment that is basically installed in the computer equipment that is commonly distributed, so the additional cost burden for the members is detailed and easily. To be used.

Although the present invention has been described in detail above, the present invention has simplicity of use and excellent security, and can be applied to various fields using the respective technologies, and the use method can also be modified and modified.

According to the invention as described above, it is possible to prevent the leakage of personal information, it is possible to confirm whether the payment card, and as a result there is an effect that can be activated by increasing the number of users to increase the reliability of the e-commerce.

In addition, operating a separate payment information system prevents the disclosure of personal information and financial information to the shopping mall, and the payment information can be entered only by a password input method recognized only by a member, thereby simplifying the input method.

Claims (12)

In the information distribution management card payment system using the electronic recording medium of electronic commerce through the Internet, At the request of the member, the issuing stage of the payment program which records the driving program driven by the card password and the minimum payment information of the member; The member's payment information is approved by the member management system using the payment card, and the payment information of the member is read out by driving the driving program using the payment card. The payment information of the member is distributed and processed by the shopping mall, the member management system, and the card company. An electronic card payment system for information distribution management of electronic commerce on the Internet, characterized in that it comprises a step. The method of claim 1, The member's payment information and driving program created by using the member's information written in the member's written request upon receipt of the member's written request are issued by the management system and sent to the member by mail or courier. Electronic card payment system for information distribution management of electronic commerce on the Internet. The method of claim 1, Upon receipt of the member's written request, the member is given a payment card issuance password, and the management system creates payment information using the member information, and the member accesses the member management system's website using computer equipment and the Internet, If you enter the issuing password, normal password and accident password by using the system, the management system automatically creates a driving program and automatically records the electronic recording media owned by the member to issue payment cards. Distributed Management Electronic Card Payment System. The method of claim 1, The membership card consists of the member registration date, the member's 4 digits of the social security number and the 4 digits of the card number, and the first number is 0 (zero), and the remaining numbers are arranged in the reverse order of 16 digits of the member's card number. The normal payment number made up of 4bit rotated data for each number and the first number is 1, and the remaining numbers are arranged in reverse order of the member's 16 digits, and each transaction number is made up of 4bit rotated data. Electronic card payment system for e-commerce information distribution on the Internet, which consists of membership payment information consisting of three pieces of information of image SIGN that compresses the image and a driving program used to read payment information by inputting a password. . The method of claim 1, The electronic card payment system used for electronic commerce information distribution management on the Internet is characterized in that the recording medium of the electronic payment card used is a 3.5-inch floppy diskette and a CD-ROM that can be easily used by the member's computer equipment. The method of claim 1, By entering the payment information input step to drive the payment card by the input of the card password and the normal password by reading the normal payment information by simply inputting the normal payment information and the accident payment information by entering the normal payment phase and the accident password Electronic card payment system for information dissemination and management of electronic commerce on the Internet, which has the characteristics of the accident settlement stage. The method of claim 6, The normal input method that inserts an electronic card into the member's computer equipment and simply inputs the normal password in the normal transaction situation, automatically reads the member management number, the normal payment number and the normal payment information of the image SIGN and sends it to the shopping mall or the member management system. When a member enters an accident password during the purchase of a product using a shopping mall due to the coercion of another person, the member automatically reads the member management number, the accident settlement number, and the accident settlement information of the image SIGN, and automatically transmits it to the shopping mall or the member management system. Electronic card payment system for information distribution management of electronic commerce on the Internet, characterized by an accident input method. The method of claim 6, By using the normal payment information transmitted from the member's computer equipment, the shopping mall stores the member management number, purchase information, and approval number among the normal payment information, and transmits transaction information including the merchant number and purchase information to the management system in the payment information. The management system stores the transaction information in the transaction management database, compares the image SIGN with the registered image SIGN, checks whether it is a normal payment card, and sends the approval information except image SIGN among the transaction information to the card company. After converting the card number to check the credit status of the member, and if the payment is possible, the authorization number is transmitted to the management system, and the management system stores the authorization number in the transaction database and sends the authorization number to the shopping mall. The approval number, member management number and date of use are stored in the payment database and transferred to the member's computer system. The electronic card payment system for information distribution management of electronic commerce on the Internet, characterized in that it outputs the normal transaction message and outputs the authorization number and delivers the goods. The method of claim 6, Using the accident settlement information sent from the member, the shopping mall stores the member management number and purchase information among the accident settlement information and transmits the transaction information including the purchase information and the merchant number to the accident settlement information to the management system. If you store the transaction information in the accident database and notify the card company of the approval information and accident information, which is information other than the image SIGN among the transaction information, the approval information is stored in the accident database, and the card company transmits the accident approval number to the management system. When the management system stores the accident approval number in the accident database and sends the accident approval number to the shopping mall, the shopping mall deletes the stored transaction details and outputs the normal transaction completion message to the member's computer system and does not deliver the goods. E-commerce information distribution management of electronic commerce on the Internet Re system. The method of claim 6, The member manages the accident password, normal password and payment card, and the shopping mall manages the member management number, approval number and purchase information of the member, and the management system manages the member management number, normal payment number, accident payment number, image SIGN and purchase information. Electronic card payment system of the electronic commerce information management of the e-commerce on the Internet, characterized in that it manages the member management number, normal payment number, accident payment number, purchase information and other member information. The method of claim 1, Electronic card payment system for the electronic distribution of e-commerce on the Internet, characterized in that if the payment card of the existing member is damaged or lost. The method of claim 11, Electronic card payment system for e-commerce information distribution on the Internet, characterized in that the existing member uses the previously registered payment information for reissuance due to damage or loss of the payment card and re-registers the image SIGN to issue the payment card. .