KR20000054780A - A settlement system by use of payment means having a multi-ID - Google Patents

Abstract

The payment system using a payment method given a plurality of IDs is to minimize the risk of payment information leakage for payment methods such as credit cards, electronic money and bank accounts. The present invention assigns a single payment method to a unique number as well as a small number of temporary numbers with a small limit and the number of times of use. Use the number and temporary number separately, and be billed for the use of the unique number. Therefore, the present invention can minimize the leakage of payment means payment information, such as credit card number, by using the temporary number, thereby providing an effect of increasing the reliability of the use of the payment means.

Description

A settlement system by use of payment means having a multi-ID}

The present invention relates to a payment settlement system using a credit card or electronic money (ecoin), more specifically, to a single payment means, as well as a unique ID (ID) is given a temporary ID as needed, The present invention relates to a payment system using a payment means assigned a plurality of IDs, which can be used as a payment method of an e-commerce site having low reliability to prevent theft of payment information.

Recently, as a payment method, credit cards that are easy to use and carry rather than cash have been used. As a result, the number of credit card merchants has increased, and the types of payments that can be made with credit cards have increased. In other words, credit cards are used as a payment method not only in general stores but also in electronic commerce, which is a commercial use of the Internet.

Electronic commerce is a transaction in which all or part of a transaction of goods or services is processed by electronic means such as electronic document exchange. E-commerce is similar to commerce in the real world, where all entrepreneurs are involved. In the simplest case of e-commerce, a virtual mall that provides goods or services, a consumer who purchases goods or services in a store, or a virtual bank or credit card company that is involved in a financial relationship to a product may be involved in the e-commerce transaction. Becomes the subject of. Looking at this process, first, a consumer connects to a virtual store with a terminal connected to the Internet such as a computer and shops. When it finds a product it wants to buy, it sends a purchase intention to a virtual store and provides a payment method such as a credit card number and a password. The virtual store inquires the credit card number and password presented by the customer to the virtual bank or credit card company and requests payment. When the virtual bank or credit card company pays the price to the virtual store, the virtual store delivers the product to the customer to complete the purchase process.

On the other hand, as the electronic commerce (EC) market grows remarkably, electronic money will also form an axis of payment methods. Visa, led by MasterCard's Mondex, "CEPS" is a next generation standard electronic money standard agreed by various card companies such as Europay and American Express. Electronic money has emerged as a new concern as the internet shopping mall market has increased significantly and credit card holders are required to make payments.

As described above, when a transaction of goods or services occurs between a cyber shopping mall and a consumer (netizen) on the Internet, payment is made by credit card or electronic money. However, consumers have a problem that they are reluctant to trade because they are concerned that their payment information, such as their credit card or electronic money, is leaked. In particular, when lending a credit card to others, the amount of payment may increase by using a lot arbitrarily.

Therefore, the object of the present invention is given a number of temporary numbers having a small limit and the number of times of use as well as a unique number for a single means of payment in view of the above point in general stores or high credit sites (site) The present invention provides a payment system using a payment method assigned a plurality of IDs that use a unique number and allow payments using a temporary number in an e-shop or a low credit site.

1 is a configuration diagram schematically showing a payment system using a payment means given a plurality of IDs according to the present invention;

2 is a view for explaining the operation of the system of FIG.

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

10: user 20: general store

30: electronic store 40: payment institution

In order to achieve the above object, a payment system using a payment means assigned with multiple IDs of the present invention, in a payment settlement system, is provided with a plurality of temporary numbers with one unique number and a small limit and the number of times of use. And a unique number and a temporary number to a means, a general store dealing with a unique number of the payment means, an electronic store dealing with a temporary number of the payment means, and the issued payment means, Payment of the transaction of the, and includes a payment institution billing with a unique number for the payment of the temporary number.

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

Figure 1 is a schematic configuration diagram of a payment system using a payment means given a plurality of IDs according to the present invention, taking a credit card as an example of payment. The system of FIG. 1 includes a user 10 having a credit card assigned with multiple IDs, a general store 20 for paying with a unique credit card number, and an electronic store for paying with a temporary number assigned to a credit card ( 30) and a payment institution 40 of a bank or a card company.

In FIG. 1, the user 10 receives a temporary number ID2 in addition to a unique number ID1 assigned to a card when issuing a credit card from a card company. Only the unique number ID1 may be written on the credit card, the unique number ID1 may be hardcoded, and the temporary number ID2 may be specified. Of course, it is also possible to issue two credit cards each having a unique number ID1 and a temporary number ID2 in the form of a parent-child to be charged only for the unique number ID1. The card company stores the issued ID number of the issued credit card (ID1) and the temporary number (ID2) assigned corresponding thereto in the form as shown in FIG. That is, referring to FIG. 2, a card number, a classification code for distinguishing whether the card number is a unique number or a temporary number, a payment number corresponding to the temporary number, and other matters such as authentication are stored. The user 10 uses a credit card to which a unique number ID1 is assigned during a transaction in the general store 20, and uses a temporary number ID2 assigned to a transaction in the electronic store 30 such as an internet shopping mall. Credit card temporary numbers (ID2) are given a small limit and the number of uses is limited. In addition, the number may be changed when a certain period or limit is exceeded. The general store 20 or the electronic store 30 performs a normal transaction when a card approval request is made to a payment institution 40 of a corresponding card company or a bank when a card number is input. Then, the general store 20 or the electronic store 30 for the generated charges are paid to the payment institution 40 to receive the payment. The payment authority 40 checks the previously issued issuance card numbers with respect to the card number requested for approval, checks whether the number is available, and approves the transaction. If the used card number is a temporary number ID2, the payment institution 40 charges the card 10 to the user 10 having a unique number corresponding to the temporary number ID2. The payment institution 40 notifies a change of the temporary number ID2 assigned automatically when the payment is over the limit set by the temporary number ID2. Referring to Figure 2, when the user uses the card ID number (90624-004-2102 "" ID1 "payment institution 40 checks the distinction code for the card number used, if confirmed as the unique number payment approval and Make a bill. When the user uses the card temporary number (ID2) of "13182-903-2000", the payment institution 40 checks the classification code for the used card number and finds the card number of the corresponding payment number when it is confirmed as the temporary number. Payment approval and billing by number.

On the other hand, in the electronic store 30 on the Internet can be used by dividing the unique number and the temporary number according to the reliability or according to the payment amount. In other words, if the site is highly reliable or the payment amount is large, the payment is made by the unique number of the card, and the credit card number is leaky due to the low reliability site or the payment amount is a small amount to be paid by the temporary number.

This multi-identity payment method is also applicable to a system where parents give allowances to their children. In other words, give a child a card with a temporary number to use it up to the set limit. If you run out of limit, you can replenish your pocket money by charging with network, WAP, ARS, SMS, Bluetooth.

Although the present embodiment has been described in the case of a credit card, it will be apparent to those skilled in the art without having to explain that the present invention can be applied to electronic money or bank account numbers, which are other means of payment.

As described above, the payment system using a payment means assigned a plurality of IDs of the present invention, payment is given by using a plurality of temporary numbers given a limit of a small limit and the number of times of use as well as a unique number for one payment means. By allowing temporary numbers to be used in cases where there is a risk of information leakage, the possibility of credit information leakage can be minimized.

Claims (6)

In the payment system, Payment means to which one temporary number and a plurality of temporary numbers are assigned with a small limit and the number of times of use; A general store transacting with a unique number of the payment means; An electronic store transacting with the temporary number of the payment means; And A payment system comprising a payment institution for assigning a unique number and a temporary number to the payment means to be issued, paying the transaction price of the general store or electronic store, and billing with the unique number for the payment of the temporary number. The payment system according to claim 1, wherein the payment means comprises a credit card, an electronic money, a bank account. The payment system according to claim 1, wherein the payment institution changes the temporary number at a predetermined period or notifies the user by changing the temporary number when the set limit is exceeded. The payment system according to claim 1 or 2, wherein the payment means pays with a unique number for a high credit site and a temporary number for a low credit site during the e-commerce transaction. The payment system according to claim 1 or 2, wherein the payment means pays with a unique number if the payment amount is large during the electronic store transaction and a temporary number if the payment amount is small. The payment system according to claim 1 or 2, wherein the payment means replenishes the amount of money by charging when using a set limit of a temporary number using any one of a network, WAP, ARS, SMS, and Bluetooth. .