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WO2002037363A1 - Systeme et procede de commerce electronique - Google Patents

Systeme et procede de commerce electronique Download PDF

Info

Publication number
WO2002037363A1
WO2002037363A1 PCT/KR2001/001018 KR0101018W WO0237363A1 WO 2002037363 A1 WO2002037363 A1 WO 2002037363A1 KR 0101018 W KR0101018 W KR 0101018W WO 0237363 A1 WO0237363 A1 WO 0237363A1
Authority
WO
WIPO (PCT)
Prior art keywords
settlement
terminal
card module
buyer
authentication
Prior art date
Application number
PCT/KR2001/001018
Other languages
English (en)
Inventor
Sang-Hyun Han
Cheol-Kyun Jung
Tae-Kyoung Koo
Original Assignee
Woori Technology Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020000064415A external-priority patent/KR20010100750A/ko
Application filed by Woori Technology Inc. filed Critical Woori Technology Inc.
Priority to JP2002540035A priority Critical patent/JP2004513438A/ja
Priority to AU2001264377A priority patent/AU2001264377A1/en
Priority to KR1020010067471A priority patent/KR20020033588A/ko
Publication of WO2002037363A1 publication Critical patent/WO2002037363A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to an electronic commerce (EC)
  • present invention relates to a settlement or authentication system
  • PDAs personal digital assistants
  • terminals each having an attachable settlement card module comprises:
  • the settlement card module accessing through the network and providing
  • terminals each having an attachable settlement card module comprises:
  • a bank system comprises: the seller
  • bank system settle for the product purchased by the buyer when the
  • settlement card module is authenticated so as to settle for the product
  • a bank system comprises: decoding an encoded
  • the encoded number comprises an encoded ID (identification)
  • the encoded number is transmitted together with the whole or a portion of a phone number of the terminal or a unique number of the
  • the authentication step comprises: performing the
  • decoded information is a registered number, and when the user number
  • the terminal is a wireless communication terminal, and the
  • seller terminal is a wireless communication terminal.
  • settlement/authentication system and a bank system, comprises: a
  • settlement/authentication system and a bank system, comprises: a
  • settlement card module is installed, searching the database on the basis
  • settlement card module can settle/authenticate, and after the
  • the database comprises: a member database for storing
  • FIG. 1 shows an EC system according to a first preferred
  • FIG. 2 shows a buyer terminal and a settlement card module
  • FIG. 3 shows a flowchart for registering a settlement card module
  • FIG. 4 shows a flowchart of a mobile banking process using a
  • FIG. 5 shows exemplified screens displayed on a terminal's display according to the mobile banking process according to the first
  • FIGs. 6(a) and 6(b) show a flowchart of a transaction and its
  • FIG. 7 shows exemplified screens displayed on a terminal's
  • FIGs. 8(a) and 8(b) show a flowchart of a transaction and its
  • FIG. 9 shows exemplified screens displayed on a terminal's
  • FIG. 1 shows an EC system according to a first preferred
  • a settlement card module 60 may be optionally installed
  • server 42 for storing various categories of information for providing a
  • the interface server 41 connects a plurality of terminals 20 and
  • a communication rule e.g., an HTTP
  • CGI common gateway interface
  • the interface server
  • IIS Internet information server
  • the database server 42 comprises a member information
  • the member information database 421 stores information on the
  • module 60 such as names, settlement passwords, bank account
  • card numbers e.g., credits cards or department store cards
  • residence registration numbers e.g., electronic mail
  • the authentication information database 422 stores a plurality of
  • the settlement information database 423 stores settlement
  • the member manager 431 registers members who can receive
  • the settlement service through the network manages information on the
  • the number issuer 432 assigns a user number, for representing a
  • the authenticator 433 authenticates the settlement process on
  • the information transmitter 434 communicates information with a
  • configured settlement system may include communication devices for
  • PC personal computer
  • wireless wireless
  • the buyer terminal 20 comprises a wireless communication
  • FIG. 2 shows a rough block diagram of a settlement card module
  • the settlement card module 60 comprises a CPU
  • central processing unit central processing unit
  • EEPROM electrically erasable programmable read-only memory
  • clock signal unit a clock signal unit 63
  • the above-structured settlement card module 60 can be implemented in a one-chip MCU (micro control unit) that
  • the settlement card module 60 is attachably connected to the settlement card module 60
  • the wireless communication terminal 20 The wireless communication
  • terminal 20 comprises a data port 21 for inputting and outputting data of
  • a keypad 22 including a plurality
  • a display 23 for displaying
  • the interface 64 of the settlement card module 60 communicates
  • settlement card module 60 serially communicates with the display 23 and
  • wireless communication terminal is different from the voltage required by the CPU, a DC-DC converter or a regulator for adjusting the voltage
  • the CPU 61 of the settlement card module 60 uses
  • EIF protocol similar to ESMS protocol, and Internet-based
  • the EEPROM 62 of the settlement card module 60 stores
  • the EEPROM 62 stores a plurality of pseudo user numbers
  • the CPU 61 decodes the pseudo card user numbers stored in
  • the CPU 61 encodes the generated card user
  • the EEPROM 62 stores the card user's unique information
  • the bank system 50 connected to the settlement system 40, for
  • FIG. 3 shows a flowchart for a registration and account-opening
  • step S100 using a settlement card module buy settlement card modules at an off- line shop in step S100.
  • the users respectively receive
  • the user inputs a name, an address, a sex, a terminal phone
  • a manager of a shop provides registration sheet information to
  • the user information recorded on the paper can be input to
  • the seller terminal 30 provides information on the user who buys
  • the settlement card module and requests a member registration, to the
  • the settlement system 40 through the network (e.g., the Internet or an
  • step S120 the authenticator 1 of the settlement system 40 extracts a settlement card module serial number from the input
  • the terminal number e.g., four right numbers of a
  • the member manager 431 of the settlement system 40 matches
  • the member manager 431 provides the user's
  • the member manager 431 further provides the electronic
  • bank system 50 with minimum user information (e.g., an address, a name,
  • the electronic bank system 50 notifies the user terminal 20 of completion of opening of an account by electronic
  • FIG. 4 shows a flowchart for a mobile banking process
  • step S200 When the user inserts the interface 61 of the settlement
  • wireless communication terminal 20 gives the control to the CPU 61 of
  • card module 60 accesses the settlement system 40 in step S210. In this
  • the CPU 61 reads a terminal manufacturing number from a
  • terminal 20 to detect a terminal type, and outputs it together with a URL
  • the wireless communication terminal 20 is converted into a wireless
  • WML markup language
  • WAP wireless application protocol
  • the information transmitter 434 of the settlement system 40 is the information transmitter 434 of the settlement system 40
  • desired services e.g., shopping or banking
  • desired services e.g., shopping or banking
  • step S220 when the user selects a
  • the user selectively presses the authentication button
  • the CPU 61 of the wireless communication terminal 20 executes mobile
  • the CPU 61 of the settlement card module 60 receives a
  • settlement card module 60 that is, a card ID and a pseudo user number
  • step S260 and transmits the encoded number and a portion of the
  • terminal phone number (e.g., "2345," which is the central portion of a
  • terminal phone number when the terminal phone number is defined to be
  • step S270 the wireless communication terminal 20 in step S270.
  • authenticator 433 decodes the encoded information to restore the pseudo user number and the card ID in step S280, determines whether a
  • the authenticator 433 of the settlement system 40 checks
  • the restored card ID is stored in the authentication information database
  • step S330 the electronic bank system 50 to request a start of mobile banking in step S330, and the electronic bank system 50 provides mobile banking
  • the user who buys the settlement card module can be any one of the users who buys the settlement card module.
  • FIGs. 6(a) and 6(b) show a flowchart for making a purchase
  • FIG. 1 is a schematic diagram according to the preferred embodiment of the present invention.
  • wireless communication terminal 20 is connected . to the settlement
  • the interface server 41 When the user selects a shopping menu, the interface server 41
  • the of the settlement system 40 provides the user with a screen that displays
  • the settlement system 40 connects the wireless
  • step S450
  • the shopping mall system 70 provides information on
  • system 70 provides a settlement menu on the corresponding product to
  • the wireless communication terminal 20 in steps S470 and S480.
  • step S490 the shopping mall system 70 transmits detailed
  • settlement system 40 provides product information and checks whether
  • the settlement card module is inserted in steps S500 and S510.
  • the authenticator 433 of the settlement system 40 decodes the
  • step S550 and authenticates the card ID in the like manner of the
  • authenticator 433 requests input of a password to the terminal 20 in step
  • the authenticator 433 provides the user's settlement ID
  • step S590 the electronic bank system 50 provides the
  • the authenticator 433 When the user selects a purchase button, the authenticator 433
  • information e.g., product price and account number of the shopping mall
  • the electronic bank system 50 transfers the value of the product purchase
  • step S630
  • the electronic bank system 50 notifies the settlement
  • transmitter 434 of the settlement system 40 stores a settlement history
  • the shopping mall site pays a predetermined commission based on the settlement price to the settlement system.
  • the settlement system pays a portion of the commission to the electronic
  • the user can safely settle for the desired product
  • the user uses the settlement card module in the
  • the user installs a settlement
  • the user can directly access a specific site, make a purchase, receive contents, and at the time
  • wireless communication terminal makes a purchase, receives desired
  • the module the corresponding site, for example a shopping mall system,
  • the settlement system checks whether the settlement card
  • the user can access a plurality of sites, execute desired
  • the user can also receive the settlement service using a
  • the user can access a desired wireless network system to perform transactions according to the user's intention at
  • the user can settle for the mobile transaction by
  • member database 421 of the settlement system 40 additionally stores
  • settlement card module such as wireless communication terminal
  • FIGs. 8(a) and 8(b) show a flowchart of a transaction and a settlement process according to the second preferred embodiment
  • FIG. 9 shows exemplified information displayed on the shop's wireless
  • the shop's wireless communication terminal is connected to the
  • step S730 the processor 26 of the shop's wireless communication
  • terminal encodes the settlement card module's serial number read by the
  • settlement card module 60 that is, the card ID and the pseudo user
  • step S740 transmits a portion of the phone number of the
  • the phone number might be any phone number.
  • step S760 and the information transmitter 434
  • the information transmitter When the settlement price is checked, the information transmitter
  • the authenticator 433 of the settlement system 40 finally obtains the authenticator 433 of the settlement system 40.
  • the authenticator 433 provides
  • the user's settlement ID and settlement information e.g., the shop's
  • transmitter 434 of the settlement system 40 stores the settlement history
  • the buyer's settlement ID in the settlement information database 423, and notifies the shop's wireless communication terminal and the buyer's
  • the user can select one of the two items. According to the second preferred embodiment, the user can select one of the two items.
  • the settlement card module is a module type
  • who buys the settlement card module can receive a settlement or
  • the user can install the
  • the present invention enables the user to use a different
  • the user can be immediately notified of authentication

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé de commerce électronique. Un terminal doté d'un module de carte de règlement amovible, un système de demande de règlement et d'authentification, un système bancaire et un système de règlement sont reliés par réseau. Lorsqu'une demande d'achat de produit est introduite par le terminal de communication sans fil au moyen d'un module de carte de règlement, le système de règlement fournit au terminal des informations sur le système de demande de règlement et d'authentification. La création d'un accès au système de demande de règlement et d'authentification connecte le terminal audit système afin d'effectuer un achat, et lorsqu'un numéro codé servant à demander le règlement du produit acheté est transmis par le terminal, le système de règlement décode le numéro codé et authentifie l'acheteur correspondant. Après authentification, une demande de règlement relative à l'achat du produit est envoyée au système bancaire de façon que le système de demande de règlement et d'authentification règle l'achat du produit.
PCT/KR2001/001018 2000-10-31 2001-06-13 Systeme et procede de commerce electronique WO2002037363A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
JP2002540035A JP2004513438A (ja) 2000-10-31 2001-06-13 電子商取引システム及び方法
AU2001264377A AU2001264377A1 (en) 2000-10-31 2001-06-13 Electronic commerce system and method
KR1020010067471A KR20020033588A (ko) 2000-10-31 2001-10-31 모바일 전자 상거래용 인증/결제 장치 및 이를 이용한전자 상거래 시스템 및 그 방법

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020000064415A KR20010100750A (ko) 2000-05-03 2000-10-31 사용자 번호가 자동으로 갱신되는 모바일 전자 상거래용인증/결제 장치, 시스템 및 방법
KR2000/64415 2000-10-31

Publications (1)

Publication Number Publication Date
WO2002037363A1 true WO2002037363A1 (fr) 2002-05-10

Family

ID=19696487

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2001/001018 WO2002037363A1 (fr) 2000-10-31 2001-06-13 Systeme et procede de commerce electronique

Country Status (4)

Country Link
JP (1) JP2004513438A (fr)
KR (1) KR20020033588A (fr)
AU (1) AU2001264377A1 (fr)
WO (1) WO2002037363A1 (fr)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004075081A1 (fr) * 2003-02-20 2004-09-02 Source Japan Co., Ltd. Systeme de reglements pour le commerce mobile sur le net
WO2006122399A1 (fr) * 2005-05-20 2006-11-23 Ingenico Canada Ltd. Systeme de paiement automatique presentant une capacite supplementaire
US7689251B2 (en) 2003-10-31 2010-03-30 Lg Electronics Inc. Apparatus and method for controlling use of a SIM card of a mobile terminal
CN103839156A (zh) * 2014-03-20 2014-06-04 上海讯联数据服务有限公司 一种基于在线支付中页面跳转支付的收银台页面显示方法
US9495677B2 (en) 2009-06-10 2016-11-15 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system

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Publication number Priority date Publication date Assignee Title
KR100476157B1 (ko) * 2002-11-14 2005-03-11 (주)넥스지텔레콤 사용제어장치가 구비된 스마트카드
WO2005034006A1 (fr) * 2003-10-04 2005-04-14 Mofac Soft Co., Ltd. Dispositif de communication connecte a un terminal destine a etre utilise pour la transaction, et procede de transaction mettant en oeuvre un tel dispositif
JP2009009327A (ja) * 2007-06-27 2009-01-15 Toyo Networks & System Integration Co Ltd 決済履歴作成方法、及び決済履歴閲覧方法
US8762284B2 (en) * 2010-12-16 2014-06-24 Democracyontheweb, Llc Systems and methods for facilitating secure transactions
KR101147921B1 (ko) * 2010-12-17 2012-05-24 한국과학기술원 카드형 ｏｔｐ 생성장치
KR101228305B1 (ko) * 2011-03-07 2013-01-31 주식회사 신세계 범용 간편 결제 방법 및 그 장치

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WO1999049424A1 (fr) * 1998-03-25 1999-09-30 Orbis Patents Limited Systeme et procede de carte de credit
KR20000017997A (ko) * 2000-01-03 2000-04-06 고문규 무선통신단말기를 이용한 인터넷 전자상거래용 이용자인증 시스템 및 방법
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KR19980065912A (ko) * 1997-01-16 1998-10-15 김인수 원격 하드웨어 보안모듈(sam)을 이용한 전자상거래 방법
WO1999049424A1 (fr) * 1998-03-25 1999-09-30 Orbis Patents Limited Systeme et procede de carte de credit
KR20010035999A (ko) * 1999-10-05 2001-05-07 조정일 전자 결제 시스템 및 그 방법
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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004075081A1 (fr) * 2003-02-20 2004-09-02 Source Japan Co., Ltd. Systeme de reglements pour le commerce mobile sur le net
US7689251B2 (en) 2003-10-31 2010-03-30 Lg Electronics Inc. Apparatus and method for controlling use of a SIM card of a mobile terminal
WO2006122399A1 (fr) * 2005-05-20 2006-11-23 Ingenico Canada Ltd. Systeme de paiement automatique presentant une capacite supplementaire
GB2440870A (en) * 2005-05-20 2008-02-13 Ingenico Canada Ltd Automated payment system with additional capability
GB2440870B (en) * 2005-05-20 2009-05-20 Ingenico Canada Ltd Automated payment system with additional capability
US9495677B2 (en) 2009-06-10 2016-11-15 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system that includes identifying information of second parties qualified to conduct business with the payment system
US9824350B2 (en) 2010-10-13 2017-11-21 Square, Inc. Decoding systems with a decoding engine running on a mobile device and coupled to a payment system
US10643200B2 (en) 2010-10-13 2020-05-05 Square, Inc. Point of sale system
CN103839156A (zh) * 2014-03-20 2014-06-04 上海讯联数据服务有限公司 一种基于在线支付中页面跳转支付的收银台页面显示方法

Also Published As

Publication number Publication date
AU2001264377A1 (en) 2002-05-15
KR20020033588A (ko) 2002-05-07
JP2004513438A (ja) 2004-04-30

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