KR20000049917A - Method of endowing/managing the personal cord number for advance payment products by using internet electronic payment system - Google Patents

Abstract

PURPOSE: A method for allowing and managing a password of prepaid service goods by an internet electronic paying system is provided to allow various prepaid service goods like securities and cards similar to the securities by using the electronic paying service via internet or a network, and directly to be used by a buyer with the password. CONSTITUTION: In a server/client system, which orders goods and pays charge in internet or a network, a method for allowing and managing a password of prepaid service goods by an internet electronic paying system, comprises the steps of: storing the secret number of prepaid service goods in a trading server's database; inputting user's selection of the goods/user information; approving paying information through the electronic paying service; supplying the password of the selected goods in the database; and managing the secret member supplied, by making a database of the user information, related members and after sale.

Description

Method of endowing / managing the personal cord number for advance payment products by using internet electronic payment system}

The present invention relates to a method for granting and managing a password of a prepaid service product (such as a security or a card having a characteristic of a security) using an internet electronic payment system. Specifically, the server orders and pays the product on the Internet or a network. By using the client system, the number and password of the prepaid service item ordered and electronically billed are sent (assigned) to the client in real time or non-real time (or by e-mail) so that the buyer can receive the prepaid service product in kind. The access number and password can be used immediately.

The development of information technology is rapidly spreading the spread of computers and the Internet. Recently, the Internet industry has developed explosively, and many host computers are connected to the Internet in one day. It is making a great contribution.

Along with this widespread use of personal computers, the World Wide Web contributes to providing easy access to the Internet by providing multimedia functions and ease of use.

In most cyber services using the Internet, a service provider (ISP) provides various products, information, and services to an Internet site (home page), and the cost of constructing the information or the cost of providing the service is obtained from the service user or the Internet site. It is common to pay for the advertisement fee paid by the client for the advertisement of goods and services through the (home page), and various forms of services are emerging one after another due to the rapid development and application of the Internet industry.

In particular, due to the development of the World Wide Web, the Internet has been rapidly shifted to the commercial use of the Internet, and electronic commerce can be considered as a representative of the commercial use of the Internet.

Among the e-commerce, the most active part of the e-commerce and many people visit is the shopping mall concept of the department store. The reason why such a shopping mall appeared on the Internet is because of the availability of the Internet, the large number of users, and the low construction cost.

In other words, commerce such as shopping and finance is realized with minimal human intervention through spatial and temporal limits through the virtual space of computers and networks, and faster and cheaper management approaches are threats and new opportunities for companies. have.

The electronic commerce sector, which is being activated around the electronic shopping mall, has recently spread rapidly to the financial sector such as banks and securities firms, and also has map information (or geographic information) based on geographic information system, Various types of services such as static advertisements (banner advertisements), internet telephones, Internet TVs, and Internet faxes are provided on the Internet, and contribute to the popularization of the Internet and the expansion of the user base.

On the other hand, in the case of a conventional commerce method in which a consumer visits a store directly and purchases a product and a price, it requires time loss and troublesome labor moving to a store for purchasing a product.

However, as described above, due to the rapid development and generalization of the use of Internet technology, home shopping can be easily performed at home using home banking or home shopping using electronic commerce. .

As such, the purchase of goods through e-commerce is easy to use because you can check the goods you want to buy or shop in the cyber space with the naked eye and decide to buy on the spot, and you can purchase the goods easily at home without going to the store. Therefore, it is spreading rapidly throughout the economy because it is very convenient for people who are old and have difficulty in moving.

On the other hand, if you look at the sales method of the conventional prepaid service products (securities or cards with the characteristics of the securities) sold or traded on the Internet, if the payment is made by purchasing the prepaid service products using an electronic payment service such as the Internet, There is a disadvantage in that the logistics transfer cost and time loss is delivered by courier within 1-3 days.

For example, a conventional international calling card that can be used abroad can be divided into a prepaid card and a postpaid card, and in the case of a prepaid card, a fee is paid in advance and a code is given. You pay.

The international calling card to be described as an example in the present invention is a kind of prepaid service product (securities or cards having the characteristics of securities), such as existing telecommunications providers, such as Korea Telecom, Dacom, Onse Telecom, Hanaro Specialized operators, etc., who have borrowed tracks from telecommunications, telecommunications carriers, and back-up operators, usually sell them to consumers (consumers) in a prepaid (or post-paid) manner. Will buy.

In addition, although the consumer (buyer) may move to the retailer to purchase the prepaid service product, it requires time and effort to move to the retailer.

Therefore, this type of distribution is different from the prepaid service product. If you know the access number and password of the prepaid service product instead of the real card, the transaction with the consumer is terminated. International telephone service is available, which can help to reduce logistics cost and save time.

Accordingly, the present invention provides a number of prepaid service products (such as securities or cards having the characteristics of securities) and a usage number that is authorized to use (use) the prepaid service product in real time using an electronic payment service through the Internet or a network. It is intended to help users with a reduction in logistics costs, time saving, and ease of use by providing a password immediately and making it immediately available to a user who purchased using the given access number and password. It is done.

In addition, the manager of the transaction server purchases various prepaid service products, and allows the purchased prepaid service products to be registered and sold as a service product in the main database of the transaction server. Classifying by service, such as price, usage, object of use, and product restriction, collecting passwords by usage number of prepaid service products, and entering and storing them in the database of transaction server. An object of the present invention is to provide a method for managing a password of a prepaid service product using an electronic payment system.

A server / client system for ordering and paying a product on the Internet or a network to achieve the above object, the method comprising the steps of: database a password of an actual prepaid service product; Securing a password DB; Selecting a service product / user information / payment method through the Internet of the user; An electronic payment service approval step / authorization step; Combining the authorized information with the user information and assigning a prepaid service product password and information to the authorized user; Confirming / preserving use of a prepaid service product granted to the user; Users who are not approved for the electronic payment service will receive an error message so that the prepaid service product can be given a password and sold and managed.

In addition, the first step of storing the password of the prepaid service product in the database of the transaction server on the Internet or network; Step 2 of selecting a user's prepaid service product / user information for purchasing the information stored in step 1; A third step of approving the payment information input in the second step through an electronic payment service; A fourth step of granting the password of the selected service product of the second step in the database after receiving the approved information of the third step; It consists of five steps of managing the members in connection with the password given by the database of the user information approved for purchase of the prepaid service product of the second step and after-sales management.

In order to solve the above other technical problem, the present invention provides a new database of passwords once sold in a method of inputting a password of a service product into a database on the Internet, and searching and assigning a prepaid service product of a consumer value approved for approval in a database. Create and operate.

Prepaid service goods that can be applied or used in the present invention include "international calling cards", "public telephone cards, membership cards, prepaid cards, seat tickets for theaters, such as airplanes, trains, buses, passenger tickets, theater tickets (reservation tickets)," Accommodation, securities, various tickets, various tickets, various gift certificates, various memberships, preferential tickets, discount tickets, performance tickets, gift certificates, parking tickets, pass tickets, travel tickets, invitation cards, sale tickets, etc. Each or all of the securities listed above can be applied, and the seat number is checked regardless of reserved or unscheduled seats, and hacking can be made with the social security number and approval number entered at the time of purchase. Or theft is meaningless (useless), even if the use number and password of the prepaid service product And the authorized user will be used when you receive a new number and password issued for use of the prepaid service offerings via the Internet or a network of close to even per theft.

1 is a block diagram of a system for selling a prepaid service product of the present invention.

2 is a diagram illustrating a password grant and management method after the electronic payment service of the present invention prepaid service product is approved.

3 is a flowchart of a process of registering a password of a prepaid service product of the present invention.

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

(20)-Transaction Server (22)-User Client

(24) Electronic Payment Systems (26)-Manufacturers

(28)-domestic card company (30)-overseas card company

(32)-Bank Credit Card Company (34) Financial EDI Network

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention provides real-time or non-real-time usage number and password, which is the right to use the prepaid service product when the prepaid service product is electronically approved and approved using a server / client system that orders and pays the product on the Internet or a network. By sending (granting) to the client, the buyer can use the prepaid service product by using only the usage number and password without the spot of the prepaid service product.

That is, the first step of storing the password of the prepaid service product in the database of the transaction server on the Internet or network; Step 2 of selecting a user's prepaid service product / user information for purchasing the information stored in step 1; A third step of approving the payment information input in the second step through an electronic payment service; A fourth step of granting the password of the selected service product of the second step in the database after receiving the approved information of the third step; The second step consists of five steps of post-management of the pre-service product purchase approved user information in the database and the associated password and associated membership management.

1 is a system configuration diagram according to an embodiment according to a method for granting and managing a password of a prepaid service product using the Internet electronic payment system of the present invention. The prepaid service product provided by the transaction server 20 is searched through the Internet or a network for ordering and payment. If the user client 22 and the prepaid service product information is provided, and there is an order request for the prepaid service product from the user client 22 and the electronic payment is made according to the order, the use number of the prepaid service product in the database And a transaction server (Merchant Server, shopping mall server) 20 for transmitting a prepaid service product by transmitting a password (P / N: Password Number) to the user client 22, and the user client 22 via the Internet or a network. If you are searching for and ordering a prepaid service product, please include your payment information (credit card / .account transfer) and billing information. The electronic payment system 24 for notifying the credit card company and the bank (4) of the approval result (5) and the processing result (6) to the transaction server 20 through the approval result (4) and the processing result (6); , The manufacturer 26 which enters into the transaction server 20 and provides various prepaid service products and information thereof, and the purchaser wishes to pay the prepaid service product by using a domestic credit card or an overseas credit card. 24) Domestic card company 28 and overseas card company 30 that notify the electronic payment system 24 of the payment or approval result of payment in response to the purchase request or approval request according to the electronic payment, and the buyer prepaid service by account transfer In case of requesting payment of the goods, if there is a request for bank transfer for electronic payment from the electronic payment system 24, the bank / credit card company 32 transfers the account transfer payment intention and transfers the processing result to the electronic payment system 24. Informed By constructing a fusion EDI networks (financial payment source) 34 it is to allow the user to obtain a use number and password of the prepaid service offering to buy the right to use pre-paid services without the need for in-kind goods.

The electronic payment system 24 is composed of a payment gateway (PG) as a gateway and a customer information control system (CICS) as a customer information management system, and the payment gateway PG changes a product quantity, cancels an order product, and selects a prepaid service product. Enter and reconfirm the purchaser's information as a customer and select a payment method such as credit card, bank transfer, or online payment.If the payment method is credit card, the credit card information is entered. If the account is transferred, the payment account is entered. CICS, a management system, can process information from each terminal, device and server at the same time. It consists of a database and a maintenance system.

In addition, the electronic payment system 24 has a built-in billing machine (billing machine) to perform a billing (billing) function that combines a calculation function and a recording function.

In addition, the electronic payment system 24 maintains security when trading a product through the Internet or a network by using a secure electronic transaction (SET) and a secure socket layer (SSL) secure socket layer. Therefore, hacking and the like are prevented.

The SET (Secure Electronic Transaction) is one of the electronic payment systems to secure the security of personal information such as card numbers and passwords when making payments using credit cards on the Internet. It is a protocol for establishing a credit card payment system on the Internet proposed by VISA and Mastercard.

In addition, SSL is a structure that adds security functions (encryption, data assurance, authentication) that can be exchanged in the network proposed by the US Netscape company, and sets a layer for security between TCP / IP and applications. Any application protocol can achieve more secure data exchange (compatibility).

In addition, the order program operated in the transaction server 20 of the present invention receives the goods ordered by the buyer and the buyer (member) information to change the quantity of the goods, cancel the ordered goods and input the customer information by calculating the selected order goods And re-confirm and select an online payment method such as a credit card or bank transfer, and if the payment method is the credit card, input credit card information and query the credit card through the payment gateway (PG) to obtain the credit card authorization. If the payment method is bank transfer or online payment, select a payment bank and store it in the customer order DB, send an e-mail to the order customer, and move to an internet or network store. The order is executed according to the order of the product selected in the transaction server 20.

The order history DB stores the order history provided from the payment gateway (PG), the payment gateway (PG) receives the payment confirmation request for the order from the order program to query the transaction history and receive the inquiry result payment Confirmation results will be provided to the ordering program.

The user client 22 receives data of the prepaid service product from the transaction server 20 and determines the purchase of the prepaid service product according to a user's operation while performing data communication with the transaction server 20 through the Internet or a network. It is a personal computer / terminal that delivers a purchase intention and a payment intention.

The transaction server 20 is charged with the sale and payment of the prepaid service product at the request of the user client 22, and if the payment and approval is made according to the purchase of the prepaid service product, the transaction number 20 and the password are used. It is transmitted to the user client 22 in real time or non-real time by e-mail. If the prepaid service product purchased by the user is an “international calling card”, the user can make an international call using only a usage number and password without a separate calling card (in kind). Will be available.

Therefore, the time lost cost and trouble of moving to a retailer to purchase or receive an international calling card as in the prior art.

In addition, the transaction server 20 is a control means such as a central processing unit for controlling the overall operation as described above, memory means for storing and outputting information of the prepaid service goods under the control of the control means, Display means for displaying the operation of the transaction server on the screen according to the control; input means such as a keyboard, mouse, CCD camera, microphone, etc. for inputting operation commands according to the operator's operation to the control means; Auxiliary storage means used as a storage device, and communication interface means such as a (ultra) high speed communication network, a router, a modem, etc. connected to the control means to interface predetermined data transmitted between the user clients 22 are provided.

In the present invention, the transaction server 20 and the electronic payment system 24 and the personal information of the member that can process all on the Internet from the store construction of the prepaid service goods, product management, membership management, order management, inventory management, sales management In order to secure credit card, it is possible to securely transmit and trade the access number or password of the prepaid service product by integrating SSL (Secure Socket Layer) and SET (Secure Electronic Transaction) security protocols that are in charge of system security and network security.

In addition to providing a shopping mall that can operate and manage not only a small single shop, but also any number of manufacturers (or cooperative companies) that manufacture various kinds of prepaid service products, it can support optimal marketing.

Electronic Data Interchange (EDI) of the financial EDI network, which means electronic data exchange in the present invention, can exchange business documents such as order, order, transport, and boundary electronically through a computer network. The bank transfers a bank transfer to the bank and a credit card company, and also receives the result of the processing 6 from the electronic payment system 24 or the bank and the credit card company.

Prepaid service goods that can be applied or used in the present invention include "international calling cards", "public telephone cards, membership cards, prepaid cards, seat tickets for theaters, such as airplanes, trains, buses, passenger tickets, theater tickets (reservation tickets)," Accommodation, securities, various tickets, various tickets, various gift certificates, various memberships, preferential tickets, discount tickets, performance tickets, gift certificates, parking tickets, pass tickets, travel tickets, invitation cards, sale tickets, etc. Each or all of the securities listed above can be applied, and the seat number is checked regardless of reserved or unscheduled seats, and hacking can be made with the social security number and approval number entered at the time of purchase. Or theft is meaningless (useless), even if the use number and password of the prepaid service product And the authorized user will be used when you receive a new number and password issued for use of the prepaid service offerings via the Internet or a network of close to even per theft.

2 is a diagram illustrating a method of assigning and managing a usage number and a password after the prepaid service product is approved by electronic payment, and the administrator inputs the password of the prepaid service product into the main database of the transaction server 20 and It is stored and managed, and when the user (buyer) orders and pays the use number of the prepaid service product among the use numbers and passwords of the prepaid service product entered and stored in the main database of the transaction server 20, it is approved as an electronic payment service. The sale is made by transmitting the password of the prepaid service product, and the password of the prepaid service product sold is displayed on the screen of the user client, and the use number (ID) and password (Password Number) of the prepaid service product sold to the client are transacted. Classified, stored and managed as products sold in the main database of the server 20 do.

3 is a flowchart illustrating a process of registering a password of a prepaid service product according to the present invention in chronological order, in which a manager of the transaction server 20 purchases various prepaid service products (step 100) The prepaid service product may be registered and sold as a service product in the main database of the transaction server 20 (step 110).

The registered prepaid service goods are classified according to the type, price, use, object of use, or service restriction for each product (step 120 and step 130), and the real items are stored (step 140). By collecting the password (P / N) (step 150) and input to the database (step 160) and stored in the main database (step 170) to manage the password of the prepaid service product.

In the present invention, the usage number or password of the prepaid service product that is electronically traded can be safely transmitted and traded by the SSL (Secure Socket Layer) and SET (Secure Electronic Transaction) security protocols.

Therefore, hacking or theft is prevented, and even if a user's number or password is hacked, in case of a phone call, the user can track and trace the usage history after the call, and various oil prices such as airline tickets, passenger ships, railways, theater tickets, etc. In the case of securities, the seat number is checked without distinguishing between reserved and unscheduled seats, and the resident registration number and authorization number entered at the time of purchase can be used to hide authenticity. Even if the password and the password are hacked and stolen, a legitimate user can obtain a new usage number and password of the prepaid service product through the internet or network nearby.

In addition, in the conventional case, when theft, loss, or delivery accident occurs, the prepaid service product may not be properly delivered to the consumer, but in the present invention, the use number and password of the prepaid service product are immediately provided in real time through the Internet or a network. .

In addition, in the conventional case, even if the payment is made, the consumer has a problem in that it takes a lot of time since it is delivered by courier or mail after 1 to 3 days, but in the present invention, an electronic payment through the Internet or a network and a right to use a prepaid service product This has the advantage of being delivered directly to the client 24.

In other words, if you apply with a credit card on the Internet and pay and get approval, you can purchase the prepaid service product immediately (real time), so you can make the best use of electronic commerce.

That is, when payment is made by the bank card, when the purchase approval is made by the electronic payment system 24, the password for the prepaid service product is directly transmitted to the user client 24, so that the buyer can print the password of the prepaid service product by printing or You can write it down on a separate sheet, save it in a separate storage device such as an electronic notebook, or use it as your own memory, so it is easy to purchase, and you need to wait for the courier that takes one to several days. There is no convenient advantage.

In other words, you can immediately obtain the usage number and password at the same time approval of payment for the prepaid service product, there is no need to go through the multi-step or courier process as before. In addition, the user can receive the password in real time on the Internet. In this case, even if the usage number or password of the prepaid service product is leaked, the user can later use the prepaid service product because the user can track the usage or trace the person who has been stolen or hacked. Hacking and theft of numbers or passwords is prevented.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes may be possible without departing from the technical spirit of the present invention, which is a technical field to which the present invention belongs. It is self-evident for those of ordinary skill in Esau.

As described above, the present invention prepaid when the electronic payment and approval of the prepaid service goods (such as securities or cards having the characteristics of the securities) ordered using a server / client system that orders and pays the goods on the Internet or a network. Since the access number and password, which are the authority to use the service product, are transmitted to the user client in real time or in non-real time, the purchased user can use the prepaid service product directly with the access number and password without spot in kind, thus reducing the logistics cost and saving time and ease of use. The effect is that it can help a lot of users.

In addition, in the case of theft, loss and delivery accidents in the conventional case, the prepaid service product may not be properly delivered to the consumer, but in the present invention, since the use number and password of the prepaid service product are directly provided in real time through the Internet, hackers and the like Even if you hack the use number or password of the prepaid service product in the middle can not be used properly, even if the hacked party can access the prepaid service product server of the present invention over the Internet and can be reissued.

In addition, in the conventional case, even if the payment is made, the consumer has a problem in that it takes a lot of time since it is delivered by courier or mail after 1 to 3 days, but in the present invention, the payment is made directly to the electronic payment system on the Internet or a network, and the prepaid service product The right to use is also given immediately.

Claims (5)

A server / client system for ordering and paying goods on the Internet or a network, the method comprising: storing a password of a prepaid service product in a database of a transaction server; Step 2 of selecting a user's prepaid service product / user information for purchasing the information stored in step 1; A third step of approving the payment information input in the second step through an electronic payment service; A fourth step of granting the password of the selected service product of the second step in the database after receiving the approved information of the third step; A method of granting and managing a password of a prepaid service product using an Internet electronic payment system configured to form a database of the user information approved for purchase of the prepaid service product of the second step and a five-step management of linked members and post-sales management. A server / client system for ordering and paying goods on the Internet or a network, the method comprising: making a password of an actual prepaid service product in a database; Securing a password DB; Selecting a service product / user information / payment method through the Internet of the user; An electronic payment service approval step / authorization step; Combining the authorized information with the user information and assigning a prepaid service product password and information to the authorized user; Confirming / preserving use of a prepaid service product granted to the user; A method of granting and managing a password of a prepaid service product using an internet electronic payment system, including transmitting an error message to a user who has not been approved for the electronic payment service. A step in which a manager of a transaction server purchases various prepaid service products, registers the purchased prepaid service products as a service product in the main database of the transaction server, and sells the prepaid service product types and prices; ㆍ The Internet is composed of the method of classifying by service, service usage, product restriction etc., collecting password (P / N) by usage number of prepaid service product, and inputting and storing in database of transaction server. Password management method of prepaid service product using electronic payment system. In a server / client system that orders and pays goods on the Internet or a network, a purchaser sends a prepaid service goods by sending a usage number and password, which is an authority to use the ordered and electronic prepaid service goods, to a client in real time or in real time. A method of granting a password for a prepaid service product using an internet electronic payment system, characterized in that it can be used directly with a usage number and a password without a spot. 5. The prepaid service goods according to claim 4, "a seating ticket, advance ticket, lodging ticket, various reservation tickets, various transportation tickets, various types of transportation means such as international calling cards, public telephone cards, membership cards, prepaid cards, aircraft, trains, buses and passenger ships. A method for granting a password for a prepaid service product using an Internet electronic payment system, characterized in that it is at least one of an admission ticket, various gift certificates, various membership rights, preferential rights, discount tickets, performance tickets, gift certificates, parking tickets, pass tickets, travel tickets, invitation tickets, and sale tickets.