KR101045241B1 - System and method for authenticating seller using credit card system - Google Patents

Abstract

PURPOSE: A system and method for authenticating seller using a credit card system are provided to protect the settlement of a seller whose payment has not been confirmed by confirming the authenticity of the article seller using the existing credit card franchise registration and confirmation system. CONSTITUTION: A method for authenticating seller using a credit card system comprises the steps as follows. A buyer bank/card company server(300) determines whether the seller was authenticated. The settlement is determined according to the determination result. A seller terminal(200) provides the vendor information together with a seller authentication temporary key value and the buyer bank/card information to a seller bank/card company server(400). The seller bank/card company server searches for the franchise information of the seller and the buyer bank/card company server on the basis of the seller information.

Description

Merchant authentication system and method using credit card system {SYSTEM AND METHOD FOR AUTHENTICATING SELLER USING CREDIT CARD SYSTEM}

The present invention relates to a seller authentication system and method using an already installed credit card system, and more particularly, to verify the authenticity of a seller of goods in a foreign country by using a system for identifying a merchant in an existing credit card system The present invention relates to a seller authentication system and method using a credit card system to enable payment or financial services.

In general, a credit card is a card that allows a user who has been approved to use a credit card at a bank or credit card company to post-pay payment of goods or services, and a credit card merchant stores a credit inquiry terminal (CAT) on a server of a credit card issuing company. It is made up of a system that allows online payment after checking the credit card usage limit and validity.

1 is a block diagram showing a payment process using a general credit card system.

When the purchaser 10 having a credit card purchases an item from the seller 20 of the item and requests postpay payment using a credit card as the purchase price of the item, the buyer 10 provides the credit card information to the seller 20. In addition, the seller 20 transmits the provided credit card information to the bank / card company 30 through the credit inquiry terminal to check the validity of the credit card and then accepts the postpay payment, and the merchant information for the postpay payment of the payment. Seller payment information, including the item name, amount is provided to the buyer 10 and the bank / card company (30).

Thereafter, the bank / card company 30 performs a prepayment for the selling price to the seller 20 after a preset period, and withdraws the payment for the postpay payment from the payment account of the designated buyer 10.

Meanwhile, credit card companies with international networks such as VISA, MasterCard and American Express use their brand credit cards by registering banks / card companies from around the world as their members. Register as a member and merchant.

Therefore, if a card user using each brand credit card is registered as the same brand card merchant at any store in the world, the user can pay for the purchase of goods and services without inconvenience.

In addition, the merchant may be prepaid for the goods and services after a predetermined period of time according to the agreement of each registered bank / card company.

The reason why a user who uses a credit card is authorized to use a credit card without knowing that the merchant is authorized as a merchant is because the seller who sells the goods has registered with the bank / card company in advance to receive the card. Because it is a franchise.

That is, when a merchant registers as a merchant at a bank / card company, it checks whether the seller is a legitimate merchant (for example, the seller who sells the goods or the seller who provides the service) according to the laws set in each country. Therefore, credit card users do not need to separately check merchant information.

On the other hand, in international B2B transactions, buyers and sellers do not face-to-face transactions, but order goods and services by telephone, fax, e-mail or other means of communication.

However, in this international B2B transaction, there is a problem in that the buyer and the seller are located at geographically different locations so that the seller cannot be directly identified.

In addition, there is a problem that a financial accident is issued to pay the unfair seller when the money transfer of the goods trust only the bank account information provided by the seller without confirming the authenticity of the seller.

In order to solve this problem, it is an object of the present invention to provide a seller authentication system using a credit card system to make payment for the goods in order to confirm the authenticity of the seller who sold the goods during international trade.

In addition, an object of the present invention is to provide a seller authentication method using a credit card system to check the authenticity of the seller who sold the goods during international trade to make payment or financial services of the goods.

In order to achieve the above object, the present invention provides a seller authentication system using a credit card system,

Once the transaction's approval history, seller's purchase information, and verification request information and seller information for multiple seller verifications have been entered, it is determined whether the seller is an authenticated seller. Generates a temporary key value for the seller and transmits it to the seller terminal based on the seller information together with the buyer bank / card company information, and then uses the merchant information already received by using the seller's verified merchant information and the seller's temporary key value. A buyer bank / card company server that determines whether the seller is authenticated based on the generated temporary key value for the seller authentication and determines whether to pay the bill according to the result; When the temporary key value for the seller verification and the buyer bank / card company information are received from the buyer bank / card company server, the seller information is provided to the seller bank / card company server together with the received seller authentication temporary key value and the buyer bank / card company information. Seller terminal; When the seller information, the temporary key value for the seller authentication, and the buyer bank / card company information are received from the seller terminal, the merchant information of the seller and the information of the buyer bank / card company server are searched based on the seller information. A merchant bank / card company server that registers a merchant through a credit card merchant registration process and provides a merchant bank / card company merchant information and a temporary key value for the seller authentication to the buyer bank / card company server if the merchant is a registered seller; And a network of credit card companies connected to receive information provided from the merchant bank / card company server at the buyer bank / card company server.

In addition, the present invention further includes a purchaser terminal providing the approval details of the transaction and the purchase information of the seller and the authentication information and the seller information for the plurality of seller certifications, and the approval details of the transaction, the purchase information of the seller, and a plurality of The authentication request information and the seller information for the seller authentication may be input from at least one of the buyer terminal and the seller terminal.

In addition, the network according to the invention is characterized in that the network of already installed credit card company to allow the information between the bank / card company in the country or abroad.

In addition, the buyer bank / card company server according to the present invention requires the seller authentication for any purpose or if the seller is not authenticated by analyzing the transaction approval history and the seller's payment request information from the buyer terminal to request the seller authentication Payment management unit for payment of the payment is made after the authentication of the seller; When the seller's authentication is requested from the payment management unit, a temporary key value for seller authentication is generated through a preset unique seller authentication temporary key value generation program and transmitted to the seller terminal along with the buyer bank / card company information, and the result A seller authentication unit for storing and confirming seller merchant information and a temporary key value for seller authentication which are later verified and providing an authentication result to the payment manager in preparation for the stored information and the received information; And it is characterized in that it comprises a network connection to receive the temporary key value for the seller authentication and the merchant information of the confirmed seller from the merchant bank / card company server to access the network.

In addition, the seller bank / card company server according to the present invention manages the merchant information, and if the seller information, seller key temporary key value and buyer bank / card company information is received from the seller terminal the temporary key value for the seller authentication and the seller The merchant checks the merchant information based on the information. If the merchant information is not found as a result, the merchant is registered through the credit card merchant registration process. If the merchant information of the seller is confirmed, the merchant information of the seller confirmed to the buyer bank / card company received. Merchant management unit to provide a temporary key value for the seller authentication; And a network connection unit for accessing the network so that the merchant information and the seller's temporary key value of the seller identified by the server of the buyer bank / card company are transmitted using a preset data format.

In addition, the present invention is a seller authentication method using a credit card system,

a) determining, by the buyer bank / card company server, whether the seller is an authenticated seller when receiving transaction approval details and seller's payment information according to a sales contract; b) As a result of the determination of step a), if the seller is not an authorized seller, the buyer bank / card company server detects seller information based on the seller's payment information, and generates a temporary key value for the seller authentication to generate buyer bank / card company information. Transmitting to the terminal of the seller based on the seller information; c) The seller terminal determines whether the buyer's bank / card company server receives the temporary key value for the seller authentication and the buyer bank / card company information from the buyer bank / card company server after the transaction approval details and the buyer's payment information are input from the buyer terminal. Making; d) the seller terminal requests a seller certification confirmation to a seller bank / card company server when a temporary key value for seller authentication and buyer bank / card company information are received; e) When the authentication is requested from the seller terminal, the seller bank / card company server receives the seller information, the temporary key value for the seller authentication, and the buyer bank / card company information from the seller terminal, and detects the merchant of the seller based on the seller information. As a result, if there is no registered merchant information, the merchant is registered through a credit card merchant registration process, and if there is registered merchant information, the merchant information of the verified seller and the received temporary key value for the seller authentication are based on the buyer bank / card company information. Transmitting to the bank / card company server of the buyer through a network of the credit card company; And f) the buyer bank / card company server receives the temporary key value for the seller authentication and the merchant key of the verified seller when the merchant key information for the verified seller is received in step e) and the seller generated in step b). Checking for a temporary key value for authentication and determining whether to pay the price according to the result.

In addition, the transaction approval history and the seller's payment information according to the sales contract of step a) according to the present invention is characterized in that the input from any one of the buyer terminal and the seller terminal.

In addition, the step of determining whether or not the temporary key value for the seller authentication in step c) according to the present invention is received if the seller terminal temporary key value is not received even after a certain period of time the buyer bank Requesting retransmission of the temporary key value for the seller authentication and the buyer bank / card company information to the / card company server.

In addition, the step f) according to the present invention, if the authentication result of the buyer bank / card company server, if the authorized seller is authorized, the buyer bank / card company server performs the payment of the buyer to the seller's designated account, if not authenticated payment It is characterized by not performing.

In addition, the present invention is a seller authentication method using a credit card system,

i) when the seller bank / card company server inputs seller information for authentication of an unauthenticated seller, determining whether the seller is authenticated; ii) As a result of the determination in step i), if the seller authentication is required, the buyer bank / card company server registers the entered seller information and generates a temporary key value for a predetermined seller authentication, and the seller bank / card company information together with the buyer bank / card company information. Transmitting to the seller terminal based on the information; iii) the seller terminal determining whether a temporary key value for seller authentication and buyer bank / card company information are received from the buyer bank / card company server; iv) if the seller terminal receives the temporary key value for the seller authentication and the buyer bank / card company information, requesting the seller authentication confirmation to the seller bank / card company server together with the seller information; v) The seller bank / card company server retrieves the merchant information of the seller based on the seller information transmitted from the seller terminal, and if there is no registered merchant information, register as a new merchant through the existing credit card merchant registration process, If the merchant information is confirmed, transmitting the merchant information of the seller and the temporary key value for the seller authentication to the buyer bank / card company server through a network of credit card companies based on the buyer bank / card company information; And vi) the buyer bank / card company server is based on the temporary key value for the seller authentication and the merchant information of the verified seller received in step v) based on the received merchant key and the verified merchant merchant information. And comparing the seller information with the seller key temporary key value generated in step ii) and the registered seller information to determine whether the seller is authenticated.

In addition, the seller information of step i) according to the invention is characterized in that it is input from any one of the buyer terminal and the seller terminal.

In addition, the step of determining whether or not the temporary key value for the seller authentication in step iii) according to the present invention is received if the merchant terminal temporary key value is not received even after a certain period of time the buyer bank Requesting retransmission of the seller temporary key value and the buyer bank / card company information to the / card company server.

The present invention can verify the authenticity of the seller using the existing credit card merchant registration and verification system without the addition of a system for verifying the authenticity in the seller's country, bank / card company to verify the authenticity of the seller geographically separated. There is an advantage.

In addition, the present invention has the advantage that it is possible to prevent the financial settlement accident by preventing the payment to the unidentified seller.

In addition, the present invention has the advantage that it can provide a variety of financial services, such as domestic sellers to the foreign seller confirmed the buyer's bank / card company.

1 is a block diagram showing a trading and settlement process using a general credit card system.
Figure 2 is a block diagram showing the configuration of a seller authentication system using a credit card system according to the present invention.
3 is a flowchart illustrating an authentication process of a seller authentication system using a credit card system according to the present invention.
FIG. 4 is a flowchart illustrating a process of authenticating a seller in a seller authentication process using the credit card system of FIG. 3.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the seller authentication system and method using a credit card system according to the present invention.

2 is a block diagram showing the configuration of a seller authentication system using a credit card system according to the present invention.

As shown in FIG. 2, the seller authentication system using the credit card system according to the present invention includes a buyer terminal 100, a seller terminal 200, a buyer bank / card company server 300, and a seller bank / card company server ( 400, and a network 500.

The purchaser terminal 100 includes a seller's purchase information and a seller's name, contact information, an email address, and a seller's payment account, including a transaction approval history and a transaction approval history and a product name and an amount for postpay payment of a transaction from a buyer. Receives the seller information for the seller authentication of the buyer bank / card company server 300 is configured to transmit, including a personal mobile terminal, including a PC, PDA or smart phone.

The seller terminal 200 receives the transaction approval history and the buyer's credit card information, the buyer key / temporary buyer's bank / card company information transmitted from the buyer bank / card company server 300 from the buyer, the received The seller information is provided to the seller bank / card company server 400 together with the temporary key value for the seller authentication and the buyer bank / card company information to request the seller authentication.

That is, when the seller terminal 200 receives a request for confirming whether the seller bank / card company server 300 is a true seller for payment, the merchant information of the seller for checking is displayed in the buyer bank / card company server 300. To be provided).

The seller terminal 200 includes a personal portable terminal including a PC, PDA or smart phone.

In addition, the seller terminal 200 provides a plurality of seller information, including the seller name, contact information, the seller's billing account for the seller authentication when the seller bank / card company server 300 requests the seller authentication according to the need of the seller can do.

That is, the seller terminal 200 may request that the payment is made before the payment date set by the buyer bank / card company server 300.

When the buyer bank / card company server 300 receives a plurality of seller information for approval of the transaction, purchase information of the seller, and seller authentication from any one of the buyer terminal 100 or the seller terminal 200, the seller Is determined to be a valid seller, and if it is determined that the unauthorized seller or the merchant is not valid seller whose expiration date has expired, a temporary key value for unique seller authentication is generated to the seller terminal 200 based on the seller information. It transmits through a fax or an e-mail, etc., and then authenticates the temporary key value for the seller authentication received thereafter, and determines whether or not the payment according to the transaction is settled to the seller's designated account according to the result.

In addition, the buyer bank / card company server 300 and the payment management unit 310 that manages the purchaser membership information, the buyer's payment account information for payment, and the like, the merchant does not have registered merchant information or valid due to the expiration of the period When payment is made to a merchant with merchant information that is not provided, a temporary key value for authenticating the seller is authenticated to verify whether the seller is a legitimate seller and provided to the seller terminal 200 together with buyer bank / card company information for reply. Seller authentication unit 320, and the existing network of existing credit card company 500 for receiving merchant key information for the seller authentication to authenticate the seller and the merchant bank / card company server 400 to verify the seller (500) Network connection 330 for connecting to the network.

The payment management unit 310 analyzes the transaction approval history and the seller's payment information input from the buyer terminal 100, the credit card merchant (the authorized seller) registered in the buyer bank / card company server 300 Whether the payment is made to the seller according to the result.

In addition, the payment management unit 310 is a seller input through the seller terminal 200 when the transaction approval history and the buyer's credit card information and payment request from the seller terminal 200 is input from the seller terminal 200 is the buyer It determines whether it is a credit card affiliate (registered seller) registered in the bank / card company server 300, and manages whether or not the payment is made to the seller according to the result.

If the seller is a seller registered as a merchant in the buyer's bank / card company server 300, the payment management unit 310 is a post-payment of the payment is made according to the registered merchant information.

In addition, the payment management unit 310 requests the seller certification unit 320 to verify the seller in order to determine whether the seller is a valid seller when the seller is not registered as a merchant in the buyer bank / card company server 300. After that, if the user is authenticated as a valid seller, the payment is made to the seller. If the user is not authorized as the valid seller, the payment is made.

When the seller authentication unit 320 requests the seller's authentication from the payment management unit, the seller authentication unit 320 generates a unique seller authentication temporary key value through a preset seller authentication temporary key value generation program, so that the buyer terminal 100 or the seller terminal ( The purchaser bank / card company information including the generated unique seller authentication key value and e-mail and fax information for reply, based on the seller information including at least one of the fax reception information and the e-mail, etc. Send to the seller terminal 200.

In addition, the seller authentication unit 320 stores the transmitted unique seller authentication temporary information, and when the seller authentication temporary key value information is received thereafter, the stored seller authentication temporary key value and the received seller authentication temporary key value In order to provide the authentication result to the payment management unit 310.

In this case, the seller authentication unit 320 compares the seller with a temporary key value for the seller authentication, and prepares the seller for the seller information according to the seller information received in advance and the merchant information of the seller checked in the seller bank / card company server 300. The process of authentication is also performed.

The network connection unit 330 is connected to the network 500 of the existing credit card company is already installed to receive the temporary key value for the seller authentication and the merchant information of the verified seller from the seller bank / card company server 400, the received The temporary key value for seller authentication and merchant information of the seller are provided to the payment management unit 310 and the seller authentication unit 320.

When the seller's bank / card company server 400 inputs the seller's payment information according to the postpay payment of the buyer registered to the seller's bank / card company server 400 from the seller terminal 200, the same payment as the existing credit card payment is made. If the seller's authentication request including the temporary key value for the seller authentication, the buyer bank / card company's information for the reply, and the seller's information is entered, the seller's bank / card company server 400 is based on the seller's information. Search the merchant information of the merchant stored in advance, and provide the merchant key temporary authentication value and the searched merchant information of the seller to the corresponding buyer bank / card company server 300 according to the buyer bank / card company information.

In addition, the merchant bank / card company server 400 is to send the merchant management unit 410 for managing the merchant information of the merchant, the temporary key value for the seller authentication and merchant information of the merchant to the buyer bank / card company server 300 Network connection 420 for the network.

When the merchant management unit 410 manages merchant information registered in the seller bank / card company server 400 and receives the seller information, the temporary key value for the seller authentication, and the buyer bank / card company information from the seller terminal 200, Search the merchant information of the seller stored in advance based on the seller information requesting authentication, and if the merchant information of the seller is confirmed as a result of the search, the temporary key value for the seller authentication and the merchant of the verified seller according to the buyer bank / card company information Information is provided to the buyer bank / card company server 300.

In addition, the affiliated store manager 410 searches for the merchant information of the seller, and if the merchant information of the seller is not found, performs a new credit card affiliate store registration process that is preset, and registers the merchant, and newly registered merchant information of the merchant. Is provided to the buyer bank / card company server 300 together with the temporary key value for the seller authentication.

The network connection unit 420 is connected to the network 500 of the existing credit card company pre-installed to store the merchant information of the merchant confirmed from the merchant management unit 410 and the temporary key value for the seller authentication the buyer bank / card company server 300 To send).

At this time, the network connection unit 420 transmits the verified merchant information and the temporary key value for the seller authentication using a data format such as a short message (or full text) message, e-mail or fax in a preset format.

The network 500 is configured to transmit the merchant key information of the seller verified in the seller bank / card company server 400 and the temporary key value for the seller authentication received from the seller terminal 200 to the buyer bank / card company server 300. Preferably, it is a network network of an existing credit card company that is already connected to check the merchant information between the bank / credit card companies that do not interlock the membership and merchant information for each country.

The network 500 is, for example, a network network of credit card companies such as a visa card company or a master card company, and is a network network of credit card companies already installed to transmit and receive information between banks and card companies in Korea or abroad.

Accordingly, the network connection unit 420 of the seller bank / card company server 400 accesses a network such as a visa card company or a master card company, and then purchases a bank / card company server 300 through the network of the visa card company or master card company. By connecting to the network connection unit 330 of the), for example, through the data format of the Visa card company or master card company to ensure that the merchant information of the merchant and the temporary key value for the seller authentication is transmitted.

3 is a flowchart illustrating an authentication process of a seller authentication system using a credit card system according to the present invention, and FIG. 4 is a flowchart illustrating a process of authenticating a seller in a seller authentication process using a credit card system according to FIG. 3.

Referring to Figures 2 to 4 will be described in detail the seller authentication method using a credit card system according to the present invention.

If the transaction according to the sales contract between the buyer and the seller is carried out by postpay payment of the credit card, the transaction details for the postpayment of the transaction and the payment details of the transaction from either the purchaser terminal 100 or the seller terminal 200. Seller's purchase information including details, item name and amount, and seller's information for multiple seller authentication, including seller's name, contact information, email address, and seller's payment account, are entered into buyer bank / card company server 300 (S100). .

When the buyer bank / card company server 300 receives the transaction approval details and seller information of the step S100, the buyer bank / card company server 300 determines whether the seller to be paid is an authorized seller (S110).

The authentication of the seller is to confirm whether the seller to be paid is a legitimate seller, and the buyer bank / card company server (such as payment before the payment date of the buyer bank / card company) 300 may be requested to verify the seller, or if the merchant's expiration date of the merchant expires and a new authentication is required, the buyer bank / card company server 300 may request the seller authentication.

As a result of the determination in step S110, if the seller is not an authorized seller, the buyer bank / card company server 300 generates a unique seller authentication temporary key value through a preset seller authentication temporary key value generation program, and the generated A temporary key value for seller authentication and seller information are stored (S120), and the e-mail, fax, short message, social network together with the unique seller authentication temporary key value generated in step S120 and buyer bank / card company information for reply. It transmits to the seller terminal 200 based on the seller information through a service (SNS) and the like (S130).

On the other hand, the seller terminal 200 is a temporary key value for the seller authentication for the postpay payment of the payment from the buyer's bank / card company server 300 and the buyer when the approval details and buyer's payment information according to the sales contract is input (S200) It is determined whether the bank / card company information is input (S210).

At this time, the seller terminal 200 purchases the temporary key value for the seller authentication and the buyer bank / card company information for the seller authentication according to the seller's needs (for example, when requesting a prepayment before the due date of the buyer bank / card company server). The bank / card company server 300 may also request.

In step S210, if the seller terminal 200 does not receive the unique seller authentication temporary key value and buyer bank / card company information generated in step S130, the seller terminal 200 pays the postpaid payment to the buyer bank / card company server 300. The request for re-transmission of the temporary key value for the seller authentication and the buyer bank / card company information through an email, a fax, a short message, etc. (S211).

In addition, in step S210, when the seller terminal 200 receives the unique seller authentication temporary key value and the buyer bank / card company information generated in step S130, the seller terminal 200 receives the seller information for checking the merchant information of the seller. The unique seller authentication temporary key value and buyer bank / card company information is transmitted to the seller bank / card company server 400 to request seller verification confirmation (S220).

The seller bank / card company server 400 searches merchant information of a registered seller based on seller information transmitted from the seller terminal 200, and if merchant information of the seller is confirmed, the seller according to the buyer bank / card company information The verified merchant affiliate information including the information and the temporary key value for the seller authentication are transmitted to the buyer bank / card company server 300 through the network 500 of the previously established credit card company (S230).

In addition, in step S230, if the merchant bank / card company server 400 does not verify the merchant information of the seller, the merchant information of the merchant is registered through a predetermined credit card merchant registration process, and the merchant of the merchant confirmed after registration The information and the temporary key value for the seller authentication may be transmitted to the buyer bank / card company server 300 through the network 500 of the credit card company using a data format such as a message, an email, or a fax in a predetermined format.

When the buyer bank / card company server 300 inputs the merchant information of the seller verified by the seller bank / card company server 400 and a unique seller authentication temporary key value (S140), the buyer bank / card company server 300 is based on the confirmed merchant information of the seller. The seller information (S150) is performed by comparing the seller information and the unique seller authentication temporary key value with the unique seller authentication temporary key value and the seller information stored in step S120.

As a result of the determination in step S150, if the purchaser is authenticated as a legitimate seller, the buyer bank / card company server 300 charges the payment in the buyer's payment account according to the seller information received in step S100 or merchant information of the seller received in step S140. Withdraw the payment to be deposited into the seller's account (S160), and if the seller is not authenticated as a legitimate seller, the payment is not held (S161).

On the other hand, if the merchant is registered merchant information on the buyer bank / card company server 300 as a result of the step S110 so that the payment is made to the payment account of the registered seller (S160).

Thereafter, the buyer bank / card company server 300 notifies the purchaser terminal 100 and the seller terminal 200 of the payment result (S170).

Therefore, if a seller without pre-registered merchant information allows post-payment to be sent and received between banks and card companies in Korea or overseas, the buyer can be authenticated as a valid seller by the buyer's bank / card company and receive payment. Will be.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill 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. It can be understood that

100: buyer terminal 200: seller terminal
300: buyer bank / card company server 310: payment management unit
320: seller authentication unit 330: network connection unit
400: Merchant Bank / Card company server 410: Merchant management unit
420: network connection 500: network

Claims (12)

Once the transaction's approval history, seller's purchase information, and verification request information and seller information for multiple seller verifications have been entered, it is determined whether the seller is an authenticated seller. Generates a temporary key value for the seller and transmits it to the seller terminal based on the seller information together with the buyer bank / card company information, and then uses the merchant information already received by using the seller's verified merchant information and the seller's temporary key value. A buyer bank / card company server that determines whether the seller is authenticated based on the generated temporary key value for the seller authentication and determines whether to pay the bill according to the result;
When the temporary key value for the seller verification and the buyer bank / card company information are received from the buyer bank / card company server, the seller information is provided to the seller bank / card company server together with the received seller authentication temporary key value and the buyer bank / card company information. Seller terminal;
When the seller information, the temporary key value for the seller authentication, and the buyer bank / card company information are received from the seller terminal, the merchant information of the seller and the information of the buyer bank / card company server are searched based on the seller information. A merchant bank / card company server that registers a merchant through a credit card merchant registration process and provides a merchant bank / card company merchant information and a temporary key value for the seller authentication to the buyer bank / card company server if the merchant is a registered seller; And
Seller authentication system using a credit card system including a network of credit card companies connected to receive information provided from the merchant bank / card company server to the buyer bank / card company server. The method of claim 1,
Further comprising a purchaser terminal for providing approval details of the transaction and purchase information of the seller and authentication information and seller information for a plurality of seller authentication,
Authorization details of the transaction, purchase information of the seller and authentication request information and seller information for a plurality of seller authentication is input from at least one of the buyer terminal and the seller terminal, the seller authentication system using a credit card system . The method according to claim 1 or 2,
The network is a seller authentication system using a credit card system, characterized in that the network is already installed credit card company that allows the information exchange between the bank / card company in Korea or abroad. The method according to claim 1 or 2,
The buyer bank / card company server requires seller authentication for any purpose or if the seller is not authenticated by analyzing the transaction approval history and the seller's payment request information from the buyer terminal, requesting seller authentication to check the seller's authentication, and then pay Payment management unit to make the payment of;
When the seller's authentication is requested from the payment management unit, a temporary key value for seller authentication is generated through a preset unique seller authentication temporary key value generation program and transmitted to the seller terminal along with the buyer bank / card company information, and the result A seller authentication unit for storing and confirming seller merchant information and a temporary key value for seller authentication which are later verified and providing an authentication result to the payment manager in preparation for the stored information and the received information; And
And a network access unit connected to the network to receive a temporary key value for the seller authentication and the merchant information of the verified seller from the seller bank / card company server. The method according to claim 1 or 2,
The merchant bank / card company server manages merchant information, and when merchant information, seller authentication temporary key value and buyer bank / card company information are received from the seller terminal, the merchant bank information based on the seller key temporary merchant value and seller information If there is no merchant information as a result, the merchant is registered through a credit card merchant registration process, and when the merchant information of the seller is confirmed, the merchant bank and the card company received the merchant information of the seller and the temporary key for the seller authentication A merchant management unit to provide a value; And
By using the credit card system characterized in that it comprises a network connection to be connected to the network and the merchant information of the merchant confirmed to the server of the buyer bank / card company and the temporary key value for the seller authentication using a preset data format Seller authentication system. As a merchant verification method using a credit card system,
a) determining, by the buyer bank / card company server, whether the seller is an authenticated seller when receiving transaction approval details and seller's payment information according to a sales contract;
b) As a result of the determination of step a), if the seller is not an authorized seller, the buyer bank / card company server detects seller information based on the seller's payment information, and generates a temporary key value for the seller authentication to generate buyer bank / card company information. Transmitting to the terminal of the seller based on the seller information;
c) The seller terminal determines whether the buyer's bank / card company server receives the temporary key value for the seller authentication and the buyer bank / card company information from the buyer bank / card company server after the transaction approval details and the buyer's payment information are input from the buyer terminal. Making;
d) the seller terminal requests a seller certification confirmation to a seller bank / card company server when a temporary key value for seller authentication and buyer bank / card company information are received;
e) When the authentication is requested from the seller terminal, the seller bank / card company server receives the seller information, the temporary key value for the seller authentication, and the buyer bank / card company information from the seller terminal, and detects the merchant of the seller based on the seller information. As a result, if there is no registered merchant information, the merchant is registered through a credit card merchant registration process, and if there is registered merchant information, the merchant information of the verified seller and the received temporary key value for the seller authentication are based on the buyer bank / card company information. Transmitting to the bank / card company server of the buyer through a network of the credit card company; And
f) When the buyer bank / card company server receives the seller key temporary key value transmitted in the step e) and the merchant information of the verified seller, the buyer bank / card company server receives the seller key temporary key value and the seller certificate generated in step b). Checking for the provisional temporary key value and determining whether to pay the bill according to the result. The method according to claim 6,
The transaction approval history and the seller's payment information according to the transaction contract of step a) are input from any one of a buyer terminal and a seller terminal. The method according to claim 6,
The step of determining whether the temporary key value for the seller authentication of step c) is received, if the seller terminal does not receive the temporary key value for the seller authentication after a certain period of time, the seller bank / card company server authenticates the seller. And requesting retransmission of the temporary key value and the buyer bank / card company information. The method according to claim 6,
In step f), if the purchaser's bank / card company server is authenticated as a valid seller, the buyer's bank / card company server performs payment of the buyer to the seller's designated account, and if not, the payment is not performed. Merchant authentication method using a credit card system characterized in that. As a merchant verification method using a credit card system,
i) when the seller bank / card company server inputs seller information for authentication of an unauthenticated seller, determining whether the seller is authenticated;
ii) As a result of the determination in step i), if the seller authentication is required, the buyer bank / card company server registers the entered seller information and generates a temporary key value for a predetermined seller authentication, so that the seller together with the buyer bank / card company information. Transmitting to the seller terminal based on the information;
iii) the seller terminal determining whether a temporary key value for seller authentication and buyer bank / card company information are received from the buyer bank / card company server;
iv) if the seller terminal receives the temporary key value for the seller authentication and the buyer bank / card company information, requesting the seller authentication confirmation to the seller bank / card company server together with the seller information;
v) The seller bank / card company server retrieves the merchant information of the seller based on the seller information transmitted from the seller terminal, if there is no registered merchant information, register as a new merchant through a credit card merchant registration process, merchant merchant When the information is confirmed, transmitting the confirmed merchant information and the temporary key value for the seller authentication to the buyer bank / card company server through a network of credit card companies based on the buyer bank / card company information; And
vi) When the buyer bank / card company server receives the seller key temporary key value transmitted in the step v) and the merchant information of the verified seller, the buyer bank / card company server receives the seller based on the seller key temporary value and the seller merchant information received. And determining the seller authentication information against the seller key temporary key value generated in step ii) and the registered seller information. The method of claim 10,
Merchant information of step i) is the seller authentication method using a credit card system, characterized in that input from any one of the buyer terminal and the seller terminal. The method of claim 10,
The step of determining whether the seller authentication temporary key value of step iii) is received, if the seller terminal does not receive the temporary key value for the seller authentication after a certain period of time, the seller temporarily transfers to the buyer bank / card company server. And requesting retransmission of key values and buyer bank / card company information.

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