KR20050046169A - Online trading system using a client card - Google Patents

Abstract

The present invention relates to a non-face-to-face transaction system using a customer card recorded server connection information, the non-face-to-face transaction system,

A customer card of a magnetic stripe (MS) type in which connection of the transaction relay server or transaction relay server connection instruction information is recorded; A card reader having an IC card and an MS card reader, respectively, and outputting personal information, server connection information, and card information readable through each reader unit; When receiving the transaction relay server access information or transaction relay server access instruction information through the card reader, the server requests a connection to the server and displays a screen information window for selecting banking service, electronic payment service, and product order settlement service. A payment information transmitter for requesting input of information necessary for processing payment of a task selected in the screen information window and transmitting the input information through a network; Transmit payment inquiry request information transmitted from the payment information transmitter to a payment institution server and resend the payment processing result according to the inquiry request to the terminal, and additionally transmits the payment completion fact or the electronic payment fact to the counterparty server. The main transaction relay server; characterized in that it comprises a.

Description

Non-face-to-face transaction system using customer card {ONLINE TRADING SYSTEM USING A CLIENT CARD}

The present invention relates to a non-face-to-face transaction system, and more particularly, to a non-face-to-face transaction system using a customer card on which server connection information is recorded.

In order to conduct non-face-to-face transactions, sellers first advertise or promote their products through various means. As such advertising and promotion means, sellers can advertise their products on television, and can also advertise and promote their products through brochures such as catalogues. It can also advertise or promote its products or services through newspapers, and can also advertise and promote products through telemarketing or sales representatives.

As a result of the advertisement and promotion as described above, the buyer can purchase the product. The purchase method can be made by ordering over the telephone and paying the price. In some cases, it can be purchased through online ordering and payment, or by paying the bill through a direct visitor or bank account.

In this non-face-to-face transaction, the buyer must inform the seller of his / her customer information at every order and expose the card number and password for payment. Therefore, the buyer must bear much inconvenience and risk in using the face-to-face transaction. do.

In addition, when conducting non-face-to-face transactions online, the buyer must remember the connection information (URL information) of the counterpart (commodity seller) server and also have to bear the inconvenience of having to enter the connection information manually. This will be necessary.

In addition, since online non-face-to-face transactions are likely to be a barrier to buyers unfamiliar with computer use, measures to solve these problems should be taken together to activate online transactions.

Accordingly, an object of the present invention is to provide a system that can conveniently perform non-face-to-face transactions, such as product purchase, electronic payment, banking processing, etc., while preventing the leakage of customer information of the buyer as a transaction subject when performing non-face-to-face transactions online. In the offer,

Furthermore, the present invention provides a non-face-to-face transaction system using a customer card that can be connected to the service provider server that provides a convenient service for the sale or service of goods, as well as payment for the purchased goods without inputting additional information. In providing.

Non-face-to-face transaction system according to an embodiment of the present invention for achieving the above object;

A customer card of magnetic stripe (MS) type in which transaction relay server access information or transaction relay server access instruction information is recorded;

A card reader having an IC card and an MS card reader, respectively, and outputting personal information, server connection information, and card information readable through each reader unit;

When receiving the transaction relay server access information or transaction relay server access instruction information through the card reader, the server requests a connection to the server and displays a screen information window for selecting banking service, electronic payment service, and product order settlement service. A payment information transmitter for requesting input of information necessary for processing payment of a task selected in the screen information window and transmitting the input information through a network;

Transmit payment inquiry request information transmitted from the payment information transmitter to a payment institution server and resend the payment processing result according to the inquiry request to the terminal, and additionally transmits the payment completion fact or the electronic payment fact to the counterparty server. The main transaction relay server; characterized in that it comprises a.

In addition, the payment information transmitter further includes a button for selecting an escrow purchase in the screen information window, and the transaction relay server adds the payment price of the product to the virtual account after the recall period of the product processed by escrow is expired. Characterized by transfer to a merchant account.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that a detailed description of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

First, FIG. 1 illustrates a block diagram of a non-face-to-face transaction system according to an exemplary embodiment of the present invention, and FIG. 2 illustrates a block diagram of a card reader 150 of FIG. 1. The customer card 100, the card reader 150, the payment information transmitter 200, and the service provider server 250 are included.

The customer card 100 is a magnetic stripe (MS) type card in which access information (URL information) of the service provider server 250 which will be described later is recorded. One side of the customer card 100 is formed with a magnetic strip, and the other side is printed advertising phrases of the service provider. Such a customer card 100 can be distributed offline for advertising or promotion of a business. Examples of such customer cards 100 include public institutions for collecting bills, for example, KEPCO cards issued by KEPCO Gas Corporation, gas corporation cards, etc., local specialties, such as Chungju apple, fortified ginseng, etc. As such, specialty cards issued by a local government or a union to promote local specialties may be used as the customer card 100.

In the customer card 100, three tracks can be formed according to the ISO standard. One of the tracks records card version information, access information of the service provider server (company URL), company identification code, and access identification information. . For reference, the access identification information is information used to distinguish the use of the customer card. As will be described later, in the customer card 100 according to another embodiment of the present invention, access information for accessing the transaction relay server 350 or information for accessing the transaction relay server 350 may be recorded and issued.

On the other hand, the card reader 150 is used as a personal financial transaction support terminal distributed to homes or businesses, and is connected to a client terminal (PC) on which the payment information transmitter 200 is mounted through a USB or a serial bus. The card reader 150 includes a reader unit for reading the IC card and the MS card, respectively, and reads the personal information, the server connection information, and the card information through the reader unit to the payment information transmitter 200 of the connected client terminal. Output

The card reader 150 has been filed in the name of the "personal financial transaction support terminal" by the applicant of the present application, its detailed configuration is as shown in FIG.

Referring to FIG. 2, the printer 102 is controlled by the control unit 110 and prints out a result of a payment statement, that is, a banking transaction and a product order settlement process.

The MS (Magnetic Stripe) card reader unit 104 controls information by reading information recorded in a customer type card, a credit card, a cash card, a debit card, a purchase-only card, etc., which is inserted into a card insertion groove (not shown). Output to (110).

The IC card information updating unit 106 reads and outputs the personal information of the customer (personal information of the customer and the password selected by the customer) and the current charge amount information from the IC card inserted into the IC card insertion slot, Under the control, the charge amount is written to the memory.

An interface unit (I / F) 108 for transmitting and receiving signals is located between the printer 102, the MS card reader unit 104, the IC card information update unit 106, and the controller 110.

The controller 110 controls the overall operation of the card reader 150 based on the control program data stored in the memory 114. For example, if the card reader 150 independently configures a personal financial transaction support terminal, the controller 110 performs personal authentication by checking whether a password recorded on the IC card matches a password input by the user. In this case, the memory 114 must store program data for encrypting and decrypting financial transaction information transmitted and received through the Internet and control program data for supporting personal financial transaction. If the card reader 150 is connected to the client terminal and operated, the controller 110 simply reads the information recorded in the customer card and the IC card and simply transmits the information to the payment information transmitter 200 installed in the client terminal.

The display unit and keypad 112 are selectively provided as components used for data input and character display as a user interface unit.

The memory 114 may include a ROM in which program data for controlling the overall operation of the card reader 150 is stored, a RAM in which data generated when the control operation is performed and various data processed are temporarily stored; And it can be configured as an EEPROM for storing the received payment processing result and is controlled by the control unit 110.

The communication unit 116 serves to interface data transmitted and received between the card reader 150 and the client terminal equipped with the payment information transmitter 200 to be described later. The communication unit 116 may be implemented with a serial port or USB.

Meanwhile, the payment information transmitter 200 mounted and operated in the client terminal transmits server access information and personal information read through the card reader 150 to the service provider server 250 by requesting a client login. The screen information received through the network and the payment inquiry result are displayed on the display unit of the client terminal.

The payment information transmitter 200 may perform identity verification by checking whether a personal password read from the IC card and a password input by the user are matched through the card reader 150. Basically, the payment information transmitter 200 basically includes encryption program data for protecting payment information transmitted. That is, the payment information transmitter 200 encrypts the personal information read from the IC card and the financial settlement card information read from the MS card or the like and transmits the encrypted information.

If the card reader 150 constructs an independent personal financial transaction support terminal in the form of a telephone without the provision of a client terminal, the application program running as the payment information transmitter 200 is stored in the ROM of the personal financial transaction support terminal. Should be stored.

Finally, the service provider server 250 transmits the screen information for payment processing to the payment information transmitter 200 of the logged in client terminal and transmits the payment inquiry request information transmitted from the payment information transmitter 200 of the terminal. Inquiry request is sent to 300, and the inquiry result is retransmitted to the terminal.

The service provider server 300 may be a plurality of bill collector servers such as water works, gas works, electric power works, and may be a server of a shopping mall, a local specialty seller, and a school server. In the embodiment of the present invention, a server of a company that distributes a customer card offline is simply named a service provider server. Of course, these servers basically provide a web page for promoting a product to the client, and perform payment processing according to the client's product purchase (or service request). In the embodiment of the present invention will be referred to only this payment processing.

The payment institution server 300 is a concept including a card company server and a bank server. The payment institution server 300 performs an account transfer or a credit inquiry according to a payment inquiry request from the service provider server 250.

Hereinafter, a transaction performing process in a non-face-to-face transaction system having the above-described configuration will be described.

First, the service provider, that is, KEPCO, Gas Corporation, local product provider, etc. distributes the MS-type customer card 100 recorded with its own server access information (URL) offline. In some cases, the service provider may distribute the card reader 150 together, and a third party may distribute the card reader 150. The client, which has distributed the customer card 100 and the card reader 150, accesses the service provider server 250, downloads the payment information transmitter 200, which is an application program, and installs it in his terminal.

In this way, when the system setting is completed, the client reads the customer card 100 to the card reader 150. By the card reading, the payment information transmitter 200 installed in the client terminal receives the access information of the service provider server 250 through the card reader 150.

The payment information transmitter 200 having received the access information of the service provider server 250 requests a connection to the service provider server 250. If there is a client login request in response to the access request, the payment information transmitter 200 requests the client to insert the IC card. When the client reads the IC card in which the personal information is recorded according to the request, the payment information transmitter 200 transmits the personal information read through the card reader 150 to the service provider server 250 to perform the client authentication procedure. Bright. The information necessary for client authentication may be implemented by inducing a membership card when distributing the card reader 150 or by DBing the information obtained by inducing the creation of a membership card online.

As described above, when the client authentication is completed by transmitting the personal information, the service provider server 250 transmits the web page screen information, so that the client desires a web page such as a bill self-payment page and a product purchase page. And so on.

When a purchase request is made by selecting a product from a product purchase page, the client reads a credit card or cash card through the card reader 150 and inputs a card password, so that the service provider server 250 encrypts the encrypted card information and its contents. You will receive a password for your card. Since such information is used to query a payment, this information is defined as payment inquiry request information in the present invention.

The service provider server 250 receiving the payment inquiry request information is transmitted to the payment institution server 300 to request for inquiry, and receives the inquiry result from the payment institution server 300 to the payment information transmitter 200. Resend it. In consideration of the delivery and return of goods, the payment inquiry request information and the inquiry result information should be stored.

If the payment is normally approved, the service provider server 250 transmits the product information and the delivery information to the delivery agency server so that the product selected by the client is delivered. After the recall period of the purchased product is expired, the payment of the product may be transferred from the virtual account of the service provider server 250 to the product seller account to protect the buyer.

As described above, the present invention can obtain an advertisement effect of a company or a product through the customer card 100, and the client can easily access the specific service provider server 250 by reading the distributed card to purchase the product or the utility bill. Self payment can be performed. And since the self-payment example simply reads the credit card to the card reader 150 and enters only the password, there is a convenience in use compared to the conventional trading system that enters or recalls the card number and password, as well as increase the security effect. There is an advantage.

Meanwhile, FIG. 3 is a block diagram of a non-face-to-face transaction system according to another embodiment of the present invention, and FIG. 4 illustrates a screen information window displayed by the payment information transmitter 200 of FIG. 3.

The customer card 100 shown in FIG. 3 differs from the customer card shown in FIG. 1 in that the connection information of the transaction relay server 350 or the transaction relay server connection instruction information is recorded in the magnetic strip MS.

When the access information of the transaction relay server 350 or the transaction relay server access instruction information is read, the payment information transmitter 200 requests the connection of the transaction relay server 350 to relay and manage the non-face-to-face transaction. The magnetic strip (MS) of the customer card 100 may additionally record additional company information of 1 + α concept, and additional information may be additionally requested to display 1 + α partner information.

The concept of 1 + α is a concept of promoting a number of businesses assuming one main company as 1 and assuming small local businesses that are related to α. As described above, when reading the customer card 100 in which the information for requesting to display the company information or the partner information of the 1 + α concept is recorded, the transaction relay server 350 to be described later provides a list of the company information corresponding thereto. By doing so, the client can select either vendor.

Meanwhile, the card reader 150 illustrated in FIG. 3 performs the same function as the card reader 150 illustrated in FIG. 1. That is, the IC card and the MS card reader unit are provided, respectively, and the personal information, server connection information, and card information which can be read through each reader unit are output.

The payment information transmitter 200 is mounted on the client terminal and operated as the payment information transmitter shown in FIG. 1, and receives the transaction relay server access information or the transaction relay server access instruction information through the card reader 150 to the server. On the other hand, as shown in Fig. 4, a screen information window for selecting a banking service, an electronic payment service, and a product order payment service is displayed on the display unit of the client terminal. In addition, it performs a role of requesting input of information necessary for processing payment of a task selected in the screen information window and transmitting the input information to the transaction relay server 350 through the network.

The card reader 150 and the payment information transmitter 200 described above may be made in the shape of a telephone and connected to a transaction relay server 350 to be described later through a PSTN network and used for self payment or product order settlement.

The transaction relay server 350 transmits the payment inquiry request information transmitted from the payment information transmitter 200 to the payment institution server 300 and retransmits the payment processing result according to the inquiry request to the terminal. Alternatively, it additionally transmits the electronic payment facts to the counterpart servers 1, 2 (400, 450).

As another embodiment of the present invention, when a server is connected through a customer card having a 1 + α concept, the transaction relay server 350 presents screen information in which a plurality of affiliate servers that a client can select are posted. If there is an affiliate server selection, it may play a role of linking the selected server. In this case, when a client purchases a product from a linked affiliate server, the payment inquiry request information necessary for processing the payment according to the purchase activity is received from the payment information transmitter 200 of the client and processed, as well as the processing thereof. It can also play a role in managing results.

Hereinafter, the non-face-to-face transaction process in the above-described system will be described in more detail.

First, the client who has distributed the customer card 100 and the card reader 150 accesses the transaction relay server 250 as shown in FIG. 1 and downloads the payment information transmitter 200 which is an application program and installs it in his terminal.

In this manner, when the system setting is completed, the client reads the distributed customer card 100 to the card reader 150. As a result of the card read, if the transaction relay server 350 connection information or information indicating connection of the server is detected, the payment information transmitter 200 requests a connection to the transaction relay server 350. If the client authentication is requested from the transaction relay server 350, as described in FIG. 1, the client login process may be performed by transmitting the personal information read through the IC card.

Meanwhile, when the connection to the transaction relay server 350 is completed, the payment information transmitter 200 displays a screen information window for selecting a banking service, an electronic payment service, a giro payment service, a product order payment service, .. Is displayed on the display of the client terminal.

When a menu is selected on the screen information window, a subroutine necessary to process the menu is performed. For example, if the client selects a product order payment service, the payment information transmitter 200 inputs a code of a product to be purchased. Then, the card is requested to enter the card information, which is the payment method, and the input of the necessary password. When the user inputs a product code and password and reads a credit card, the payment inquiry request information is encrypted and transmitted to the transaction relay server 350.

The transaction relay server 350 reads the product price information corresponding to the product code among the transmitted payment inquiry request information, generates a payment inquiry text message, and transmits it to the payment institution server 300. The payment institution server 300 then inquires and processes the transaction in a general manner and transmits the result to the transaction relay server 350.

If the payment is successfully approved, the transaction relay server 350 transmits the product information and the delivery information to the delivery agency server so that the client selects the goods. Send it to 2 (400,450).

Therefore, the client may receive the goods paid by the customer through the delivery agency, and the seller may be notified periodically or in real time of the fact of sale and payment of the goods through the transaction relay server.

For reference, the payment information transmitter 200 shown in FIG. 3 further includes a button for selecting an escrow purchase in the screen information window, and the transaction relay server 350 recalls a purchase process of an escrow purchase. After expiration, the payment of the product may be transferred from the virtual account to the seller's account.

In the second embodiment of the present invention described above, the product seller can obtain the advertisement effect of the company or its products through the customer card 100, and the client reads the distributed card to the transaction relay server to easily handle the payment business. By connecting, you can purchase various goods or make giro payments.

According to the present invention as described above, a client as a customer can conveniently perform non-face-to-face transactions such as product purchase, electronic payment, and banking processing, while minimizing the risk of leaking customer information when performing non-face-to-face transactions online. There is an advantage.

In addition, the seller can provide customers with a convenient way to access their home page through a customer card that records their online access information, while promoting the company or advertising their products through the customer card. You can enjoy

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

1 is a block diagram of a non-face-to-face transaction system according to an embodiment of the present invention.

2 is a block diagram of a card reader 150 of FIG.

3 is a block diagram of a non-face-to-face transaction system according to another embodiment of the present invention.

4 is an exemplary screen information window displayed by the payment information transmitter 200 of FIG.

Claims (3)

In a non-face to face trading system, A customer card of magnetic stripe (MS) type in which access information of the service provider server is recorded; A card reader having an IC card and an MS card reader, respectively, and outputting personal information, server connection information, and card information readable through each reader; It is mounted on the client terminal and operated, and transmits the server access information and personal information read through the card reader through the network to request the client login, and displays the screen information and payment inquiry result received through the network on the display unit of the client terminal. A payment information transmitter for displaying; A service provider server which transmits screen information for payment processing to a logged-in client terminal, sends an inquiry request information transmitted from the terminal to a payment institution server for inquiry, and retransmits the inquiry result to the terminal; Non-face-to-face transaction system using a customer card characterized in that. In a non-face to face trading system, A customer card of a magnetic stripe (MS) type in which connection of the transaction relay server or transaction relay server connection instruction information is recorded; A card reader having an IC card and an MS card reader, respectively, and outputting personal information, server connection information, and card information readable through each reader unit; When receiving the transaction relay server access information or transaction relay server access instruction information through the card reader, the server requests a connection to the server and displays a screen information window for selecting banking service, electronic payment service, and product order settlement service. A payment information transmitter for requesting input of information necessary for processing payment of a task selected in the screen information window and transmitting the input information through a network; Transmit payment inquiry request information transmitted from the payment information transmitter to a payment institution server and resend the payment processing result according to the inquiry request to the terminal, and additionally transmits the payment completion fact or the electronic payment fact to the counterparty server. A non-face-to-face transaction system using a customer card, characterized in that the transaction relay server; The payment information transmitter of claim 2, further comprising a button for selecting an escrow purchase in the screen information window, and the transaction relay server may settle the settlement price of the product after the end of the recall period of the product processed for escrow. Non-face-to-face transaction system using a customer card, characterized in that the transfer from the virtual account to the product seller account.