KR20030001722A - Commerce system and method for classificating automatically commercial information at electonic commerce system - Google Patents

Abstract

PURPOSE: A payment system and method is provided to automatically classify payment data and payment tool data of an electronic wallet of a user when the user pays for a specific commodity in an electronic commerce system so that it can reduce a payment process time. CONSTITUTION: The system comprises an internet shopping mall(100), an electronic wallet(200), an automatic classification server(300), an electronic payment server(400), and a host server of a bank(500). The electronic wallet(200) transmits encoded payment data and normal payment tool data to the automatic classification server(300). The classification server(300) separates the encoded payment data from the normal payment tool data by analyzing the transmitted data. The classification server(300) transmits the payment tool data like a credit card, an EFT or an electronic money to a corresponding electronic payment server(400). The electronic payment server(400) decodes the payment data, transmits the decoded payment data to the host server of the bank(500), and returns a payment process result to a server of the internet shopping mall(100).

Description

{COMMERCE SYSTEM AND METHOD FOR CLASSIFICATING AUTOMATICALLY COMMERCIAL INFORMATION AT ELECTONIC COMMERCE SYSTEM}

The present invention relates to a payment system and method using automatic payment data classification in an electronic commerce system, and more specifically, when a user uses an electronic wallet for payment of a specific item, the payment information and the payment means information of the electronic wallet, respectively. The present invention relates to a payment system and method using automatic payment data classification in an electronic commerce system which performs automatic payment processing.

As is well known, the electronic payment system is a system used for electronic commerce such as communication and sales through the Internet, electronic financial transactions, and the like, and includes a card (for example, a card including an ID previously registered and registered as a member). The personal identification number of the prepaid card, etc., is used as a means of electronic commerce and other micropayments.

As described above, the conventional electronic payment system has a confidentiality, an integrity to prevent the tampering of the transaction contents, and the establishment of the transaction contents to prevent the exposure of the transaction contents to a third party in order to perform a secure transaction in the open network such as the Internet. Non repudiation should be provided to prevent unjust turnover of transactions, and mutual authentication to prevent the creation of unauthorized transactions.

In general, a secure e-commerce protocol based on an encryption algorithm is used to implement such a function. In order to perform electronic commerce using a cryptographic algorithm-based transaction protocol, a digital wallet software usually installed on a customer's system, that is, a customer's computer, is required.

In addition, such a user electronic wallet supports various e-commerce protocols, thereby allowing the customer to select a payment method.

Accordingly, the conventional electronic wallet transmits user information for processing the payment means selected by the user to the payment server. In this case, information about the corresponding payment means should be generated and transmitted together with the payment information.

If the information about such payment means is not transmitted together, the payment server cannot process the requested service. On the other hand, in an electronic payment system that performs payment processing of electronic commerce, the function of the electronic payment server receives information transmitted from the electronic wallet, decrypts the corresponding information, and requests it in conjunction with a unit server performing additional functions according to the payment method. The security requirements will be justified and the final payment processing will be made.

As described above, the payment server performs the most important and various functions in the electronic payment system, where the load on the electronic payment server is very high compared to other servers.

Therefore, as the request for the service increases, the load on the electronic payment server may increase, and the service processing speed becomes slow.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-described circumstances of the prior art, and reduces service processing time for payment processing by automatically classifying payment information and payment means information of a user's electronic wallet, respectively, when a user pays for a particular item. The purpose of the present invention is to provide a payment system and method using automatic payment data classification in an electronic commerce system.

1 is a schematic diagram showing the overall structure of an electronic payment system for performing automatic payment data classification method in an electronic commerce system according to an embodiment of the present invention;

2 is a block diagram illustrating a process of generating payment means information through an electronic wallet according to an embodiment of the present invention;

3 is a diagram illustrating automatic classification of payment data and transmission thereof in an electronic commerce system using an electronic wallet according to an embodiment of the present invention;

4 is a flowchart illustrating a signal flow of payment processing using an automatic payment data classification server in an electronic commerce system using an electronic wallet according to an embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

100: Internet shopping mall 200: Electronic wallet

300: Automatic Classification Server 400: Electronic Payment Server

500: Financial Server

In order to achieve the above object, according to a preferred embodiment of the present invention, the payment information is pre-registered and the user can be authenticated, and the user can perform the electronic payment by selecting the electronic payment means through the Internet shopping mall. A wallet, comprising: an automatic classification server for separating payment information and payment means information transmitted through the electronic wallet, respectively; An electronic payment server formed for each payment means and receiving and decoding only payment information of a user corresponding to the payment means from the automatic classification server; Electronic payment system using the automatic classification of payment data in the electronic commerce system, characterized in that it consists of a financial institution host server that performs the authentication and payment for the payment information authorized from the electronic payment server, and transmits the result to the Internet shopping mall. This is provided.

Preferably, the payment information is characterized in that the account number, password, social security number, card expiration date for each owner of the electronic wallet.

More preferably, the payment means information is provided by the electronic payment system using the automatic classification of payment data in the electronic commerce system, characterized in that the owner can pay the credit card, bank account transfer, electronic money.

Meanwhile, the present invention provides an electronic payment system that automatically classifies payment information and payment means information in an electronic e-commerce through an electronic wallet and performs online payment, wherein the user transmits payment means information and payment information through an electronic wallet. Process; Separating the transmitted payment means information and payment information through an automatic classification server; Transmitting, by the automatic classification server, the separated payment information to the electronic payment server for each payment means; An electronic payment method using an automatic classification of payment data is provided in the electronic commerce system, which comprises a process of performing payment processing by analyzing each payment information in the electronic payment server, decrypting the information, and transmitting the same to a financial institution server.

Preferably, in the electronic wallet, an electronic payment method using automatic classification of payment data in an electronic commerce system, wherein the payment means information generated by the user selecting the payment means is transmitted to the automatic classification server together with the payment information. Is provided.

More preferably, the process of registering a variety of services (securities, auctions, electronic ticket purchase) as a payment means when using a service that is not already registered in the electronic wallet; Analyzing each payment means information in the automatic classification server; The electronic classification system using the automatic payment data classification in the electronic commerce system, characterized in that the payment process further comprises the step of performing payment processing by transmitting payment information to each service server corresponding to the user's service selection in the automatic classification server. A method is provided.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a schematic diagram showing the overall structure of an electronic payment system for performing the automatic payment data classification method in an electronic commerce system according to an embodiment of the present invention.

Referring to this, in the state where the internet shopping mall 100 is configured to perform online shopping through various data communication networks, the user may access the internet shopping mall 100 through various wired / wireless terminals (not shown). It is possible to search and order a variety of products by accessing the Internet shopping mall 100, the server when the payment for the goods ordered by the subscriber is delivered to the subscriber side.

The subscriber will pre-register a payment method that can be paid through the electronic wallet 200 before the Internet shopping, for example, the payment method is a credit card, bank account transfer, electronic money or the like.

In addition, the electronic wallet 200 is required to register the payment information in advance, the payment information is, for example, account number, password, social security number, card expiration date and the like.

On the other hand, in the electronic commerce system using the electronic wallet according to the present invention, the automatic classification system for payment data automatically classifies the payment information and payment means selected by the subscriber via the electronic wallet 200 (parsing server) ( 300).

In this case, since the payment means information is not confidential information of the subscriber, the payment means information is included in the payment information in plain text and transmitted. On the other hand, the payment information is transmitted to the automatic classification server 300 in an encrypted state because it is confidential information of the subscriber.

The automatic classification server 300 receives the received information and analyzes the transmitted information to separate encrypted payment information and plain payment means information.

Based on the separated information, the automatic classification server 300 is an electronic payment server 400 capable of individually processing corresponding payment means (credit card, bank account transfer, electronic money, etc.) information. Send payment information encrypted.

In addition, the electronic payment server 400 receiving the encrypted payment information decrypts the encrypted information and transmits it to the financial institution host server 500 for payment processing, and transmits the result to the Internet shopping mall server 100. .

Hereinafter, a process of generating payment means information through the electronic wallet 200 will be described in detail with reference to FIG. 2.

2 is a block diagram illustrating a process of generating payment means information through an electronic wallet according to an embodiment of the present invention.

Referring to this, when the user desires payment processing through the electronic wallet 200 according to the present invention, the user should select a corresponding payment method. When the user selects a payment method, the electronic wallet 200 ) Generates payment means information (eg, a, b, c, d) corresponding to the payment means selected by the user.

In this case, since the payment means information generated in the electronic wallet 200 simply contains information on payment means (credit card, electronic money, bank account transfer, etc.), it takes a plain text form, unlike other information. Information (user information, account information, card number, etc.) is encrypted through the encryption module. In addition, the information in which the payment means information is combined with the encrypted payment information is transmitted to the automatic classification server (parsing server) 300 as a preprocessing process before being transmitted to the electronic payment server 400 through the web server.

3 is a diagram illustrating automatic classification of payment data and transmission thereof in an electronic commerce system using an electronic wallet according to an embodiment of the present invention.

Referring to this, information transmitted from the electronic wallet 200 to the automatic classification server (parsing server; 300) is transmitted from the electronic wallet 200 to process the service requested in the automatic classification server (parsing server; 300). The service analysis engine which analyzes the received information and the analyzed service text are processed and processed to communicate with the corresponding unit subsystem, that is, the electronic payment server 400.

At this time, the payment information and the payment information separated through the automatic classification server 300 transmits the encrypted payment information to each electronic payment server 400 for processing the payment means.

The electronic payment server 400 for processing the payment method decrypts the transmitted payment information and communicates it with a unit server such as a user DB and a key management system to authenticate the user and the payment related information.

For example, when a customer registers payment means or services of A, B, C, and D in the electronic wallet 200, and requests a payment through the registered payment means, the electronic wallet 200 can recognize the payment means in plain text. Create one of the information a, b, c, d of the integrated information, such as X'a, X'b, X'c, X'd integrated with the encrypted user information (X) associated with each payment method Create and send it to the web server first.

Then, the web server transmits it back to the automatic classification server (parsing server; 300), and the automatic classification server (parsing server: 300) analyzes the received information and according to each payment means X '+ a, X An electronic payment server that separates '+ b, X' + c, X '+ d and analyzes separate payment means information a, b, c and d and performs individual payment processing on encrypted payment information X'. Send to 400.

At this time, the electronic payment server 400 communicates with the unit financial institution host server 500 that performs the corresponding payment processing of the specific electronic payment information (X ') and performs decryption, thereby performing user and message authentication. The rest of the payment process proceeds to complete the payment.

This series of processes not only selects the payment method but also registers various services such as securities, auctions, and electronic ticket purchases in the electronic wallet, so that the automatic classification server (parsing) is performed before the actual processing is performed by the corresponding server that processes these services. It is also possible to apply to the server 300 to be separated by each service and transmitted to the individual server.

4 is a flowchart illustrating a signal flow of payment processing using an automatic payment data classification server in an electronic commerce system using an electronic wallet according to an embodiment of the present invention.

Referring to this, a customer registers a payment method (credit card, bank account transfer, electronic money, etc.) or service (securities, auction, electronic ticket, etc.) to be used in his or her electronic wallet 200, and then registers the terminal in the terminal of the customer. After selecting the product by entering the shopping mall 100 using the formed web browser (first step: ST-1), among the plurality of payment methods that can be paid in the shopping mall, the payment method that the customer can pay is selected in the electronic wallet 200. (Second step: ST-2).

Then, the electronic wallet 200 encrypts important information such as payment information, generates information on the selected payment means or service, and transmits the information to the web server together with the encrypted important information. At this time, the payment means information (service information) is transmitted in the plain text format. (Step 3: ST-3)

The web server simply transmits the payment information and the payment means information transmitted from the electronic wallet 200 to the automatic classification server (parsing server) 300. (Fourth Step: ST-4)

The automatic classification server (parsing server) 300 separates the transmitted payment information and payment means information (service information) and interprets the separated payment means information (step 5: ST-5).

Then, the automatic classification server (parsing server) 300 compares and determines whether the payment means that has been transmitted and the payment means that can be processed by the electronic payment server 400 (ST-6).

If the transmitted payment means and the payment means that can be processed by the payment server do not match, the payment cannot be processed. Therefore, if an unprocessable message is displayed to the user and terminated, and it is determined that the payment can be processed, the payment is interpreted. Identify the means and transmit the encrypted payment information to the payment server 400 for processing the corresponding payment means. At this time, the transmitted payment information is transmitted in an encrypted state (step 7: ST-7), and the payment data is processed for each protocol established in the corresponding payment server 400 (step 8: ST-8).

If the payment service is an individual service (securities, auctions, e-ticket purchase, etc.), the service is requested by transmitting information for requesting the service to a service server that performs the service.

In addition, the electronic payment server 400 decrypts the transmitted information, encrypts it again if necessary, authenticates the user through the financial institution host 500, and then performs a corresponding payment service (step 9: ST-9). .

On the other hand, the payment system and the method using the automatic payment data classification in the electronic commerce system according to an embodiment of the present invention is not limited to the above embodiments, but various modifications can be made within the scope without departing from the technical gist. .

As described above, the payment system and the method using the automatic payment data classification in the electronic commerce system according to the present invention, the payment means in the electronic wallet itself for the individual payment means by accommodating an integrated electronic wallet supporting various e-commerce protocols An electronic payment server that processes the individual payment means by analyzing the information transmitted by generating the information on the information and transmitting it to the automatic classification server (parsing server) along with the encrypted payment information. By reducing the load on the electronic payment server and thereby minimizing the time required for processing the service, the user can reduce the load on the electronic payment server.

Claims (6)

In the electronic wallet for payment information is registered and the user can be authenticated, and the user can perform the electronic payment by selecting the electronic payment means through the Internet shopping mall, An automatic classification server for separating payment information and payment means information transmitted through the electronic wallet, respectively; An electronic payment server formed for each payment means and receiving and decoding only payment information of a user corresponding to the payment means from the automatic classification server; Electronic payment system using the automatic classification of payment data in the electronic commerce system, characterized in that it consists of a financial institution host server that performs the authentication and payment for the payment information authorized from the electronic payment server, and transmits the result to the Internet shopping mall. . The electronic payment system of claim 1, wherein the payment information is an account number, a password, a social security number, and an expiration date of each owner of the electronic wallet. The electronic payment system of claim 1, wherein the payment means information is a credit card, a bank account transfer, or an electronic money that the owner can pay. In an electronic payment system that automatically classifies payment information and payment means information in an electronic e-commerce through electronic wallet, and makes online payment, Transmitting the payment means information and the payment information by the user through an electronic wallet; Separating the transmitted payment means information and payment information through an automatic classification server; Transmitting, by the automatic classification server, the separated payment information to the electronic payment server for each payment means; The electronic payment method using the automatic classification of payment data in the electronic commerce system characterized in that the payment process by analyzing each payment information in the electronic payment server, decrypts it and sends it to the financial institution server. The electronic commerce system of claim 4, wherein the electronic wallet transmits the payment means information generated by the user to select the payment means together with the payment information to the automatic classification server. payment method. 5. The method of claim 4, further comprising: registering various services (securities, auctions, electronic ticket purchases) as a means of payment when using services not previously registered in the electronic wallet; Analyzing each payment means information in the automatic classification server; The electronic classification system using the automatic payment data classification in the electronic commerce system, characterized in that the payment process further comprises the step of performing payment processing by transmitting payment information to each service server corresponding to the user's service selection in the automatic classification server. Way.