KR20020020051A - An electronic method of purchasing at volume discount from participating sites and mobile information services using an identity secure in-house credit account - Google Patents

Abstract

PURPOSE: A method and a device for providing charged contents and group buying service are provided to provide a price negotiation and discount effect for the charged contents and service by using a cooperating buying and resale method. CONSTITUTION: The method comprises a member(10) wishing a cooperating buying for the charged contents and service, a service provider(20) providing the charged contents and service on a mobile phone, a PDA(Person Digital Assistant), the Internet and the online, a businessman(30) providing a cooperating buying for the charged contents and service, a non-real name authentication and a payment function, and a financial organization(40) being cooperated with the businessman. The method comprises the steps of the businessman contracting a cooperating buying reservation on a discounting condition with a plurality of service provider, the businessman reselling an electronic cash and service ticket of a point type to a user through the Internet, a mobile phone, a PDA and a branch, and the user buying the contents and service by using the non-real name authentication.

Description

An electronic method of purchasing at volume discount from participating sites and mobile information services using an identity secure in-house credit account}

The present invention relates to an electronic commerce method and apparatus for using co-purchase of paid content or services, non-real name authentication and payment means online and wireless, and in particular, the Internet World Wide Web (WWW) regulations and cellular services on computers and networks. (Cellular) wireless communication service technology, wired / wireless data conversion technology based on HTML, XML, real time database technology using caching server, database operation and encryption technology, and electronic money and electronic card based The present invention relates to an electronic commerce method and apparatus using the electronic authentication and payment technology.

Recently, a shopping mall purchase agency site has been established on the Internet, and product information of various shopping malls is stored in a database, and members can access the site, search for desired products, and request the purchase of a specific product. A purchasing agency site that purchases a corresponding product from an agency site, or a joint purchase method that gradually presents a discounted price according to an increase in the number of joint purchasers when multiple people jointly purchase a specific product through the Internet. Various purchasing agents have been proposed.

The above-described conventional purchasing agent is mainly limited to the use of general merchandise, and is limited to the time and place of access to the Internet because it can be used only online from a customer's point of view. The price discount effect is provided only for joint purchase, and when the order period expires or a limited quantity order is placed, the order is automatically closed and personal information and credit card information are exposed at each purchase point. For security reasons, it acted as an obstacle to transactions.

From a supplier's point of view, we would like to dispose of cultural goods or services that are not available after a certain period of time, such as movies, theaters, sports, education, or events, as well as online or wireless content or services, at a discounted price within a short time. This sales method was not available.

In addition, in the case of membership-based online content services such as PC communication or Internet service provider (ISP), limited paid content provided by the service provider can be purchased by pay-as-you-go, but even in this case, the member does not have a right to negotiate the price for the use of the content. In addition, the paid contents provided by other service providers are not available, and personal information on the use of the contents is exposed to the service providers, thereby limiting personal privacy.

In the case of paid content services provided on the Internet, most services require a certain amount of money to be used for a certain period of time, such as monthly or annually, so that even when a part of the content is used or only a short term is used, There were inconveniences of paying a fee, and most of the payment methods also required credit cards, which led to the phenomenon of avoiding the use of paid contents on the Internet due to fear of leaking credit card information.

Therefore, the main object of the present invention is to provide a price negotiation and a discount effect by developing a joint purchase and resale method for contents and services, and to provide a price discount effect according to the number of members by the content and service field collectively. In addition to providing convenience to use a variety of services to suit your preferences, electronic authentication and payment methods are provided to prevent the leakage of personal information due to transactions and payments, and to provide a variety of content and services to suit your needs. It is to provide a function that can be used only as necessary through authentication and payment using an online payment method and an electronic card.

1 is a flow diagram of a method of joint purchase and service of paid content or services in accordance with the present invention.

2 is a flow chart of a multi-channel non-real name authentication and payment method in accordance with the present invention.

3 is a block diagram of a system for providing multi-channel non-real name authentication and payment function according to the present invention.

4 is a flowchart of operation of a real-time agent.

<Description of Drawing>

10 ... member 20 ... content and service provider 30 ... service provider using the present invention 40 ... affiliated financial institution 50 ... user terminal 60 ... connection 70 ... firewall 80 .. Application section 90.Real-time database section

A feature of the present invention for achieving the above object is an electronic commerce method and apparatus using the Internet, a mobile phone, a PDA, an online terminal, and an electronic card, comprising: (1) an operator purchases a discount from a plurality of paid content providers; A purchase reservation step of concluding a reservation; (2) a resale step of selling electronic money and point-type service use rights provided by the operator to a plurality of members through the Internet or a mobile phone or a designated agent; (3) a purchase step in which members use content and services on-line and wirelessly through non-real name, using transaction authentication and payment means provided by an operator using the present technology; And (4) present the electronic money received by the content and service provider in exchange for the use of information to settle the payment at a pre-defined exchange rate and payment method, and earn points to the members at a predetermined rate. The state provides an e-commerce method that consists of a transaction settlement stage.

Another feature of the present invention is the Internet World Wide Web regulations on computers and networks, cellular wireless communication service technology, wired and wireless data conversion technology based on HTML and XML, real-time database technology using a caching server, database operation and encryption technology. , And in an electronic commerce device based on electronic money and electronic card technology,

A user terminal unit which provides non-real name authentication and payment function through a mobile phone, a PDA, a web browser, an online terminal, and a card reader; An access unit for automatically transmitting and receiving relevant information to a member, a service provider, and a partner financial institution through a wireless network and a PSTN network; An application unit including an application server and a web server; It is to provide a non-real name authentication and payment device consisting of a real-time database that features a real-time agent and a real-time DB caching server for searching and transmitting the member's authentication information and payment information in real time.

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

1 is a flow chart of a method for co-purchase and service of paid content or services according to the present invention. Subjects involved in this e-commerce generally are members 10 who wish to jointly purchase paid content or services, and service providers that provide paid content or services on mobile phones, PDAs, the Internet, or online (hereinafter referred to as service providers). (20) and businesses that provide co-purchase and non-real name authentication and payment functions using the method and apparatus according to the present invention (hereinafter referred to as business operators) 30 and financial institutions such as credit card companies or banks affiliated thereto. The engine 40 becomes.

When the business operator 30 recruits co-purchase members (step 101), a plurality of desired members join as members (step 102), and conditions for the content and service providers desired by the members according to the number of registered members When requesting a purchase reservation in accordance with (step 104), the service provider makes a reservation for sale at a discounted price according to the number of members and terms of use (step 106).

On the other hand, the members make a request to the operator for the use of electronic money and service ticket in the form of points (step 108), and the operator makes a request to the financial institution that manages the credit card or payment account that the member has previously agreed upon. A card payment or bank transfer request is made to supplement the amount (step 110), and the amount transferred by the financial institution (step 112) is converted into electronic money or points based on a preset standard by the operator and stored. (Step 114).

If the member requests the service provider to present the service provider if necessary (step 116), the service provider requests the business to approve the transaction (step 118), and the service provider promptly approves the transaction at the real-time DB caching server. Send to the service provider (step 120). Accordingly, the service provider provides the member with the content or service requested by the member (step 122), and the member uses the content or service (step 124). When the service provider bills the operator for the provision of the service purchased by the member (step 125), the operator transfers the electronic money or points to the service provider based on the conditions agreed in advance (step 127).

Meanwhile, the service provider grants the member a bonus rate of a certain rate proportional to the purchase amount based on the conditions agreed in advance (step 129), and the operator stores the corresponding point in the member's account (step 131).

The one-time transaction between the individual member and the service provider will be terminated. However, if the due date of the conditions agreed between the service provider and the provider has passed, the service provider will request the settlement from the operator (step 132). A request for remittance is made to the relevant financial institution based on the exchange rate and payment method that the service provider deducted the points awarded to the members from the electronic money presented by the service provider in advance (step 134). Then, the financial institution transfers the amount from the operator's account to the service provider's account (step 136), and the service provider receives the amount (step 138).

In the above transaction, in particular, in order to provide non-real name authentication and payment functions to members, a separate process as shown in FIG. 2 is required. In this process, the characteristic process that is differentiated from the existing authentication and payment function is that the payment channel 203 can be variously selected as a mobile phone 204, PDA 205, web browser 206, online terminal 207, and the like. Point, transaction authentication and reservation information (212), electronic money and point information (220) using the real-time DB caching server developed by the operator can be provided immediately and sequentially without time delay, purchase if necessary Not only the transaction 237 but also the replenishment of electronic money 228 and the transfer transaction for another member 229 may be handled directly by the member or acted by the service provider on the Internet online or wirelessly.

Payment processing using electronic money, which is particularly important in electronic commerce, is performed in the present invention as follows.

First, when a member connects to the operator's server through the internet, online, or mobile phone, the member presents his / her ID and password or information about the electronic money, which is notified to the operator's server. If the provider's server matches the member ID or password registered in the server or the serial number of the electronic money and matches, the next step is continued, and if it does not match, it notifies the member of the authentication error and initializes the authentication process. Then, the member reads the current electronic money and verifies the member's ability to pay. If the user does not have the ability to pay, the user orders all the order history and informs the user that they are incapable of payment. If the user has sufficient electronic money, the server is notified of the payment settlement and the amount corresponding to the purchase amount is returned to the server. Or subtract from the electronic card. If the system fails on the server, the transaction log is left in advance of the payment processing, thus preventing the user from losing money due to payment errors. When the payment process is completed, the subtraction of the electronic money is recorded on the server or the electronic card. The reason why the payment is recorded as a log on the server or the electronic card is to compensate for the details of the error occurred during the payment processing when the electronic money is recharged later. The final step is to notify the member of the payment process.

In addition to the above process, encryption technology must be preceded for authentication or electronic payment through the present invention. Encryption includes a symmetric key algorithm that uses one key for encryption and decryption, an asymmetric key algorithm that uses two different keys for encryption and decryption, and a hash function SSL (Secure Socket Layer) and Digital Signature, which is commonly used for Electronic Funds Transfer (EFT). The encryption technique used in the present invention can be used by mixing the above methods according to each application and channel. For example, encryption on small hardware, such as smart cards and mobile phones, offers higher security per unit bit, smaller key sizes, faster encryption and signatures in implementation than traditional public key cryptography, as well as low computation and storage advantages. Elliptic curve algorithms can also be used, and are increasingly used for the authentication function of SSL (Secure Socket Layer) using X.509 certificate, an encryption transmission protocol developed by Netscape, or recently exchanged digital messages through communication networks. You can also use popular digital signature techniques.

In addition to encryption, what is required for electronic payment is anonymity protection and the prevention of double use of electronic money. Anonymity guarantee is a 'Blind Signature' scheme devised by Chaum using a mathematical model that is applied to DigiCash's Ecash. As a way to prevent the dual use of electronic money, there is a method of checking each transaction using a central DB or guaranteeing it mathematically.

3 is a system configuration providing a multi-channel non-real name authentication and payment function according to the present invention.

The device is a user terminal unit 50 that provides non-real name authentication and payment functions through a mobile phone 301, a PDA 302, a web browser 303, and an online terminal 304, and a wireless network and a PSTN network. Application unit 80 consisting of a connection unit 60 for automatically transmitting and receiving relevant information to members, service providers and affiliated financial institutions and a firewall 70 for maintaining the security of the information, an application server 309 and a web server 310. ), A real-time agent 313 for retrieving and transmitting the member's authentication information and payment information in real time, and a real-time database unit 90 characterized by real-time DB caching servers 311 and 312.

The connection unit 60 includes an SMS server 305 for providing a text service to a wireless terminal, a web gateway 306 based on a servlet engine such as Tomcat, Jrun, and IIS, and a public switched telephone network (PSTN). ISP Dial-up Protocol Gateway (307) and HTML or XML-based data to fit different types of mobile phones and PDAs, such as WAP, WML, m-HTML, and HDML, as needed. It consists of a wire / wireless conversion converter 308 to convert.

In the above device, three functions of message authentication, routing, and acknowledgment must be smoothly provided for authentication and electronic payment information to be communicated without error for each channel. To this end, in the present invention, the wireless message authentication and the wired message authentication transmitted through the ISP dial-up gateway 307 and the respective delivery and approval systems are automatically and organically performed. In addition, an application server 309 and a web server 310 having a database of HTML or XML-based content are provided to integrate and support message types that are differently transmitted for each terminal.

In order to deliver the message correctly, the present invention is configured to have three types of message keys, that is, a service type, a message type, and a server identifier. . The above three message keys move with each and every message to recognize the message delivery channel and the type of application. In addition, the real-time database unit 90 includes a real-time agent having a refresh management function that collects the data from the database 314 and processes the data and changes them in real time to reflect the changed contents to the source database. 313, authentication 311, and various devices such as real-time DB caching server 312 and database 314 for the payment gateway. The real-time DB caching server 312 for the payment gateway routes the payment-related messages coming in through the channel and converts them into a form that the payment system can handle, ensuring that there is no data loss in all these transactions. In addition, by supporting various cryptographic algorithms and multiple root keys at the same time, it is possible to process unique electronic payment processing procedures at home and abroad and various payment methods to be added in the future.

FIG. 4 is a flow chart of operations among related databases centered on a real time agent most relevant to the present invention among the devices shown in FIG.

In particular, in order to provide a means of payment by authentication and electronic money or points through the Internet, wireless and various wired networks, database management that can quickly retrieve and transmit such information in the database together with the generation, storage, transfer and security technology of electronic money. Skill is essential.

However, because the existing disk-based relational database management system (hereinafter referred to as RDBMS) has all data on disk and only a portion of it exists in the buffer of the main memory area, the RDBMS will still be able to store all the data in the buffer. Using a data access algorithm that assumes that there is a lot of computing time.

On the other hand, in the present invention, the device is configured to use the In-memory Data Caching Server technology to provide an immediate data retrieval and transfer function. The caching server needs a buffer because all the data resides in the main memory. Instead, the use of simpler data access algorithms can reduce computing time.

The workflow of the real-time agent 313, which enables the main functions of such a caching server, will be described with reference to FIG.

As described above, the role of the caching server in a large database service environment is to play a role of caching of a database that exclusively processes highly available data. To this end, the caching server provides a real-time agent for interfacing with an existing base DBMS such as Oracle, and manages a large database with a DBMS such as Oracle, among which authentication (311) and payment (312) related data are highly available. Will be managed. Caching Server provides real-time agents for Oracle, Informix, and SQL-Server. The real-time agent of the caching server obtains the information of the table to be replicated from the user in the source database 314, and generates (316) the table replicated to the caching server by the caching rule generation 315. It automatically replicates to the caching server database (311, 312), and if the data is changed during the operation (317) performs a recovery management (Refresh) 318 to reflect the changes in the source database in real time.

The caching server handled by such a process not only minimizes the synchronization burden due to the distribution of the database, but also enables synchronization between the data of the main memory device and the data on the disk when changing records, and controls the concurrency so that multiple users can use it simultaneously. Will be provided. In addition to providing a variety of approaches such as direct, hash, and indexed sequential, it also has the ability to handle calls of more than 250 information retrieval sizes per second, and expected response time. Is an average of 0.5 seconds and a maximum of 1 second, and a call that satisfies a response time within 0.5 seconds is processed to be 99% or more.

Real-time agent 313 is characterized by large data storage and management, high reliability and performance, real-time retrieval and frequent updates. Data access management function that handles remote data access using agent metadata 319, main memory database It has log file maintenance, data backup management function to periodically copy to disk, and data recovery management function.

In addition, the caching server uses the T-tree indexing technique, which is efficient for main memory access, instead of the usual B-tree index, because each entry points directly to the memory address of the record. You can quickly access the records you want without converting the address into a physical address. Also, by providing additional hash indexes in the form of Extended Chained Bucket Hash (ECBH), you can improve the scalability and data storage of the hash table. This structural difference between caching servers and RDBMSs brings strengths such as data not residing on disk and reduced algorithmic complexity, which significantly reduces CPU time, eliminates the need for buffers, and reduces copying of data. The smaller the index, the faster the overall query processing speed.

The present invention collectively provides a price negotiation and a discount effect using the joint purchase and resale method according to the increase in the number of members by content and service field, so that members can enjoy combining various services according to their preferences at a discounted price. In particular, by using an operating and database system featuring a real-time caching server, it is effective to provide an authentication means and a convenient electronic payment means that can prevent the leakage of personal information that can be used both online and wireless simultaneously.

Claims (9)

The member 10 who wishes to jointly purchase the paid content or service, the service provider 20 who provides the paid content or service through a mobile phone, PDA, internet or online, and the joint purchase and non-real name authentication and payment of the paid content or service. In the electronic commerce method of providing a co-purchase of paid content or services, the main agent 30 and the financial institution 40 affiliated with the main body is provided. 1) Purchase reservation stage where the operator concludes a purchase reservation at a discounted condition from a plurality of service providers; 2) the resale stage in which the service ticket in the form of electronic money or points provided by the operator is sold to multiple members through the Internet, a mobile phone, a PDA, or a designated agent; 3) the purchase process by which members use the non-real name authentication and payment method provided by the business to use the contents and services online and wirelessly in the non-real name, 4) Transaction settlement step in which the service provider presents the electronic money received in exchange for information use to the operator to settle the price by the pre-defined exchange rate and payment method, and the members earn points at the pre-defined rate. A method of co-purchasing e-commerce of paid content or services. In claim 1, Step 1) includes a step in which a plurality of members join as a member of a business operator, and request a purchase reservation from a service provider according to the conditions desired by the members according to the number of members joined; Step 2) the service provider makes a reservation for sale at a discounted price according to the number of members and terms of use (step 106); When members make a purchase request to the operator for the use of electronic money and point-type service (step 108), the operator supplements the amount requested by the member to the financial institution that manages the credit card or payment account that the member has previously agreed upon. Requesting a card payment or bank transfer for the step (step 110); Converting the amount remitted by the financial institution (step 112) into electronic money or points based on a preset criteria by the operator (step 114); If the member requests the service provider to present the service provider (step 116), the service provider requests the business to approve the transaction (step 118), and the service provider transmits the transaction approval to the service provider (step 120). Step), Step 3) includes the step of providing the member with the content or service requested by the service provider (step 122), so that the member can use the content or service (step 124), In step 4), when the service provider bills the operator for the provision of the service purchased by the member (step 125), the operator transfers the electronic money or points to the service provider based on the conditions agreed in advance (step 127). ); The service provider grants the member a certain percentage of bonus points in proportion to the purchase amount according to the conditions agreed in advance (step 129), and the operator stores the corresponding points in the member's account (step 131). Characterized in that, the co-purchase electronic commerce method of the paid content or service. In claim 2, after step 4), Requesting a payment from the service provider by the service provider when the date of a condition previously agreed between the service provider and the service provider has passed (step 132); The operator making a request for remittance to the financial institution based on an exchange rate and a payment method in which the remaining amount of credits deducted by the service provider is deducted from the electronic money presented by the service provider (step 134); The financial institution further transfers the amount from the operator's account to the service provider's account (step 136), and the service provider further receives the amount. The method according to any one of claims 1 to 3, wherein the member not only purchases transactions but also supplements electronic money or points and transfers transactions to other members, such that the member can directly handle the service on the Internet, online, or wirelessly, or allow the service provider to act. Characterized in that the co-purchase electronic commerce method of the paid content or service. Means for performing non-real name authentication and payment of step 3) of claim 1, User terminal unit that provides non-real name authentication and payment function through mobile phone, PDA, web browser, online terminal, Connection part that automatically sends and receives related information to the member, service provider and partner financial institution through wireless network and PSTN network, Firewalls to keep your information secure, Application unit consisting of an application server and a web server, Non-real name authentication and payment device comprising a real-time database unit including a real-time agent and a real-time DB caching server for searching and transmitting the member's authentication information and payment information in real time. In the connection unit, an SMS server for providing a text service to a wireless terminal, a web gateway using a servlet engine as a base, an ISP dial-up protocol gateway for a PSTN, and HTML or XML-based data may be used as necessary. Non-real name authentication and payment device, characterized in that the wired and wireless conversion converter for converting data to suit different types of mobile phones and PDAs, such as m-HTML, HDML. 7. The system of claim 5, wherein the real-time database portion uses a caching server technology to provide instant data retrieval and transfer functionality so that all data resides in main memory, thus eliminating the need for buffers and using simpler data access algorithms to reduce computing time. Non-real name authentication and payment device, characterized in that configured to be. The method of claim 5, wherein the real-time database unit can quickly access a desired record without converting a logical address into a physical address using a T-tree index technique that is effective for main memory access, and further provides an ECBH type hash index. A non-real name authentication and payment device characterized by increasing the hash table's scalability and data storage. The method of claim 5, the real-time database unit using a real-time agent and agent metadata data access management function to handle remote data access, log file maintenance for the main memory database and data backup management function to periodically copy to disk, and data Non-real name authentication and payment device characterized by having a recovery management function.