KR20020027768A - Credit card approval method and system using contract number for e-commerce via Internet - Google Patents

Abstract

The present invention relates to a credit card approval method and system using a sales number in electronic commerce through the Internet. According to the present invention, in the case of internet e-commerce, when the credit card transaction is approved, the credit card owner determines whether the credit card is directly authorized through the sales number through the card issuer and the Internet banking, and the authorization information is received from the card issuer of the credit card owner. It is sent to the trading card company of a credit card merchant (shopping mall) through a dedicated network between credit card companies. The credit card merchant's transaction card company finally passes the authorization information to the credit card merchant to approve the e-commerce transaction using the credit card. Here, the approval information uses a price corresponding to a product or a service, a sales number generated by an affiliate store, and a sales approval number generated by a card issuer.

Description

Credit card approval method and system using contract number for e-commerce via Internet}

The present invention relates to a credit card authorization method and system using a sales number in an electronic commerce based on the Internet. More specifically, the present invention relates to a credit card approval method and system for determining whether to approve a credit card transaction using a sales number, a price, and a sales authorization number corresponding to a product or article selected by a user through a dedicated computer network between closed credit card companies.

In performing an e-commerce based on the conventional Internet, the credit card payment method is applied to the existing credit card payment method as it is offline.

The existing offline credit card payment method is as follows. First, a credit card user presents a credit card to a credit card merchant in order to receive or provide a product or service. The credit card merchant checks the credit card information from the presented credit card through a credit card reader. Credit card information is credit card number and expiration date, etc. It uses information stored in the magnetic stripe attached to the outside of the credit card or embossed on the surface of the credit card. A credit card affiliate sends the credit card information to a credit card merchant transaction card company or a credit card professional approval company. Here, generally, the credit card merchant and the issuer of the credit card may be the same.

The credit card merchant or credit card specialist approving party that has received the credit card information determines the validity of the credit card information using information (for example, transaction status) corresponding to the previously stored credit card user. Specifically, the validity of the credit card information is whether the credit card is stopped, overdue, whether the limit is exceeded, and other matters.

If the credit card information is found to be valid, the credit card merchant or credit card specialist approving party notifies the credit card merchant of the authorization number confirming that the transaction has been approved. This completes the approval process for the credit card transaction.

The credit card merchant requests the sales slip containing the credit card number, the expiration date, and the received authorization number from the credit card merchant transaction card company to purchase the sales slip. The payment process of the product or service (hereinafter referred to as a product) is started.

The conventional credit card authorization method in the electronic commerce based on the Internet implements the above-described offline credit card authorization method online.

A conventional electronic commerce method using a credit card based on the Internet will be described with reference to FIGS. 1 and 2.

1 is a view schematically showing an electronic commerce system using a credit card based on the conventional Internet.

Referring to FIG. 1, an electronic commerce system using a credit card includes an article purchaser 101, a shopping mall 103, a credit card issuer 105, an approval relay agency 107, a shopping mall transaction card company 109, and the like. . The article purchaser 101 may access the shopping mall 103 via a communication network 111 that includes the Internet or wireless mobile communications.

Here, the credit card issuer 105 and the shopping mall transaction card company 109 may be the same. Alternatively, the credit card issuer 105, the authorization relay authority 107, and the shopping mall transaction card company 109 may be the same.

2 is a flowchart illustrating a conventional electronic commerce method using a credit card based on the Internet.

Referring to FIG. 2, in step 201, the article buyer selects a product. Prior to step 201, the article buyer may access the shopping mall and go through a member authentication step.

In step 203, the article buyer sends a product selection signal to the shopping mall. The product selection signal may be transmitted to a shopping mall at the same time as selecting individual products, or may be transmitted by selecting products in a shopping basket and finally clicking a buy button.

The shopping mall receives 203 a product selection signal sent by the article buyer, and then, in step 205, sends a request signal to the article buyer to enter a credit card number and expiration date.

Upon receiving the request signal, the article buyer sends the credit card number and expiration date to the shopping mall in step 207.

In step 209, the shopping mall transmits the received credit card number, credit card expiration date, and transaction amount to the trading card company of the shopping mall. The credit card number, credit card expiration date, and transaction amount are transmitted, and a request for approval of the credit card transaction is requested. Here, the shopping mall may request whether the credit card transaction is approved with the credit card number, the credit card expiration date, and the transaction amount directly from the approval relay.

In step 211, the approval relay agency, which is requested to approve the credit card transaction from the shopping mall or the shopping mall transaction card company, relays the authorization information through an inquiry to the credit card issuer, or acts as an agent (step 213) within a predetermined limit. If the credit card issuer approves, the credit card issuer determines whether or not to approve (step 214) the approval by the approval relay of the approval relay agency (step 215 ').

If it is determined that the credit card transaction is valid as a result of the approval decision in step 213, an authorization number for confirming that the credit card transaction is approved is transmitted to the shopping mall transaction card company or the direct shopping mall (step 215).

In step 215, the shopping mall that receives the approval number indicating that the card issuance is authorized through the approval relay agency provides the goods (219), and then in step 221, the credit card number is transmitted to the shopping mall transaction card company. Request a non-slip purchase by sending information including the expiration date and credit card transaction authorization number.

The shopping mall transaction card company pays the purchase price to the shopping mall according to the purchase request (step 223), and requests the credit card issuer to pay the price corresponding to the purchase price (step 225).

In step 227, the credit card issuer pays in response to the payment request. If the shopping mall transaction card company and the credit card issuer are the same, steps 225 to 227 may be omitted.

The credit card issuer then notifies the purchaser of the credit card usage history and requests payment (step 229). Correspondingly, the purchaser of the item can settle the payment (step 231), so that the e-commerce can be performed using a credit card based on the Internet.

In the conventional electronic commerce through the Internet, there are several problems described below for the method of authorizing a credit card transaction.

First, in the conventional Internet-based electronic commerce, the method of accepting credit card transactions has a problem in security.

In other words, when an electronic commerce is carried out using a credit card through the Internet, a credit card number and an expiration date are input and transmitted, thereby causing a security problem. Conventionally, there is a method of maintaining the security of the credit card number and the validity period by various encryption methods such as the SSL method, but there is a problem that it is difficult to maintain complete security because the password can be decrypted at any time. That is, raw information such as credit card number and expiration date before encryption is always important information, and when the decryption is decrypted, the raw information, which is important information, is exposed to the malicious person.

Secondly, in the conventional electronic commerce through the Internet, the credit card transaction approval method may be a problem of the reliability of the counterpart that performs the electronic commerce when the article buyer performs a credit card transaction. This is because e-commerce using a credit card through the Internet is basically a transaction without facing the other party. Thus, anxiety may arise that a credit card merchant (shopping mall), which has received the information of the credit card number and the expiration date, of the goods buyer illegally uses the obtained information. In order to solve this problem, the PG may adopt a SET method in which credit card information is not directly transmitted to a credit card merchant, but it is not possible for a buyer of a product to distinguish whether or not such method is actually applied. It is unclear whether to trust the method. In particular, in the case of international transactions, not domestic transactions, reliability may be more problematic.

Third, in the electronic commerce over the Internet, the authorization method of the credit card transaction has a problem in that the buyer of the article reluctant to use the credit card because of the problem of the security and reliability.

Accordingly, an object of the present invention is that, in electronic commerce over the Internet, information exposed on the Internet is not valid information, that is, information that is useless even by the user, even if it is illegally obtained by a malicious third party, even if it is not encrypted. To provide a credit card authorization method and system that can approve a credit card transaction using a sales number.

SUMMARY OF THE INVENTION An object of the present invention is to provide a credit card authorization method and system capable of performing e-commerce via the Internet in a state where user information cannot be recognized at an affiliated store in e-commerce via the Internet.

SUMMARY OF THE INVENTION An object of the present invention is to provide a credit card approval method and system that allows a user to directly authorize their credit card information without informing a merchant in electronic commerce over the Internet.

SUMMARY OF THE INVENTION An object of the present invention is to provide a credit card approval method and system capable of preventing illegal leakage of credit card information of a user through wired / wireless internet in electronic commerce through the Internet.

SUMMARY OF THE INVENTION An object of the present invention is to provide a credit card approval method and system that can enhance the stability of a transaction by preventing a user from denying the use of a credit card by allowing a user to approve it directly through a card issuer. It is.

1 is a schematic diagram of an electronic commerce system using a credit card based on a conventional Internet;

2 is a flow chart showing a conventional e-commerce method using a credit card based on the Internet.

3 is a diagram showing a schematic configuration of a system for authorizing a credit card transaction in performing electronic commerce based on the Internet according to an embodiment of the present invention;

4 is a view showing in detail the configuration of an affiliated store according to an embodiment of the present invention;

5 is a diagram showing the configuration of a user according to a preferred embodiment of the present invention;

6 is a view showing the configuration of a merchant card issuer according to an embodiment of the present invention;

7 is a view showing the configuration of a trading card company according to an embodiment of the present invention;

8 is a view showing the configuration of a sales number according to an embodiment of the present invention;

9 is a view showing the configuration of the sales approval number according to an embodiment of the present invention; And

10 is a flowchart illustrating a credit card transaction approval method in electronic commerce via the Internet according to an exemplary embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

301... User 303... franchisee

305... Trading card company 307... Authorized relay agency

309... Card issuer

According to an aspect of the present invention to achieve the above object, in the system for accepting credit card transactions when performing e-commerce based on the network, generating a sales number for the goods or services selected by the user, Transmitting the sales number to the user, transmitting the sales number and a price corresponding to the product or service to a trading card company, receiving whether the credit card transaction is approved from the trading card company, and if the credit card transaction is approved, A merchant providing a product or service to a user, a product selection signal according to the selection of the product or service to the merchant, receiving the sales number from the merchant, selecting a specific card, and then selling the card to the card issuer. Send a credit card transaction authorization request that includes the number and price above. Receiving a credit card transaction approval request including the sales number and price from a user and the user, generating a sales approval number, and a card issuer for transmitting the generated sales approval number to a trading card company and sales received from the affiliated store. The number and price and the sales authorization number received from the card issuer are used to determine whether the sales number is valid. If the determination result is valid, the merchant is notified of the credit card transaction approval. In an Internet e-commerce including a transaction card company that notifies the credit card transaction approval refusal, a credit card authorization system can be provided.

According to another aspect of the present invention to achieve the above objects, when performing an e-commerce based on the network, in approving a credit card transaction, receiving a product or service selection signal from the user, and the product or service Generate a sales number corresponding to the selection signal, transmit the sales number to the user, transmit the sales number and the price corresponding to the product or service to a trading card company, and whether or not to approve the credit card transaction from the trading card company. Receiving, the transaction card company using the sales number and price received and the sales number received by the user using the sales authorization number generated by the card issuer to determine whether to approve the credit card transaction; How to approve a credit card transaction at a merchant and perform the above method It can provide a system for.

In a preferred embodiment, the credit card transaction approval method at the merchant further comprises the step of receiving the user address from the transaction card company, the step of delivering the product using the user address.

In another preferred embodiment, the sales number includes at least a credit card type of the user, a BIN number of a trading card company according to the credit card type of the user, the merchant number, a transaction date, a transaction serial number, and a shank number. The sales authorization number includes at least the sales number, the BIN number of the card issuer, the authorization date, and the authorization number.

In another preferred embodiment, whether the credit card transaction is approved is determined to be a transaction approval if the sales number, the sales approval number, and the price are valid, and to reject the transaction if the sales number, the sales approval number, and the price are not valid.

According to another aspect of the present invention to achieve the above objects, in performing an e-commerce based on the network, in approving a credit card transaction, the sales number and price corresponding to the product or service selected by the user Receive a sales authorization number and price received from the merchant, and generated using the sales number sent by the user, and determines whether the credit card transaction is approved using the sales number, sales approval number and price, It is possible to provide a credit card transaction approval method and a system for executing the method, wherein the credit card transaction is transmitted to the affiliated store, wherein the sales number is generated at the affiliated store.

According to another aspect of the present invention for achieving the above object, in performing e-commerce based on the network, in approving a credit card transaction, the sales number and price corresponding to the goods or services selected by the user Receive, generate a sales approval number using the sales number, and transmit the sales approval number to a trading card company, wherein the sales number is generated at an affiliate store that performs e-commerce with a user, and the trading card company receives the sales It is possible to provide a credit card transaction approval method and a system for executing the method at a card issuer, characterized by determining whether or not to approve a credit card transaction using a number, a sales authorization number, and a price. .

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

3 is a diagram illustrating a schematic configuration of a system for approving a credit card transaction in performing an electronic commerce based on the Internet according to an embodiment of the present invention.

Referring to FIG. 3, the credit card transaction approval system includes a user 301, an affiliated store 303 which is an internet shopping mall, a credit card issuer (hereinafter referred to as a card issuer) 309, and a transaction card company of the affiliated store 303 ( 305) and an authorization relay authority 307 for approval of credit card transactions.

The user 301 may access the affiliated store 303 through a communication network 311 including a wired internet, a wireless internet, an intranet, and the like. The user 301 may be any type as long as it can be connected to the affiliated store 303 such as a personal computer, a PDA, or a wireless Internet terminal.

In another preferred embodiment of the present invention, the card issuer 309 and the transaction card company 305 may be identical. In another preferred embodiment of the present invention, the card issuer 309, the transaction card company 305 and the authorization relay agency 307 may be the same.

The affiliated store 303 and the transaction card company 305 are connected to a dedicated computer network. In another preferred embodiment of the present invention, the card issuer 309, the authorization relay authority 307, and the transaction card company 305 are connected to a dedicated computer network.

4 is a view showing in detail the configuration of the merchant according to an embodiment of the present invention.

Referring to FIG. 4, the affiliate store 303 may include a transaction contracting means 403 for closing a transaction when a transaction occurs, a sales number generating means 405 for generating a sales number, a sales number management database 407 for managing a sales number, Sales number transmission means 409 for transmitting the sales number to the user 301 and the trading card company 305, sales approval number receiving means 411 for receiving the approval result from the trading card company 305 and controlling the respective means First control means 401 and the like.

Each of them is as follows.

The transaction contracting means 403 serves to make a transaction between the user 301 and the affiliate store 303. After the user 301 selects the product, it enables the selection of what kind of credit card to pay for the credit card. In this case, the credit card type may be selected such as a visa card, a master card, an AMEX card, etc., rather than a credit card company. The affiliated store 303 may not know which specific card company's card the user 301 uses.

Sales number generating means 405 serves to generate a sales number. The sales number will be described with reference to FIG. 8.

8 is a view showing the configuration of the sales number according to an embodiment of the present invention.

Referring to FIG. 8, the sales number is a transaction according to the credit card type 803 of the user 301 (for example, V for a visa card, M for a master card, etc.), and a credit card type of the user 301. Card company BIN number (e.g., Shinhan Visa card is 4518-43) (805), merchant number (e.g., 1234-5678) (807) assigned by the merchant transaction credit card (305), transaction date (e.g. , 20000801) 809, a transaction serial number (for example, 1234) 811, a check number (for example, 9) 813, and the like. What is represented by the whole 815 is V451843123456782000080112349, for example, with 28 bytes.

It will be apparent to those of ordinary skill in the art that the sales number does not matter by any method as long as it specifies the transaction.

Again, referring to Figure 4, the sales number generated by the sales number generation means 405 serves as a connection link to the information of the transaction.

The sales number management database 407 serves to manage the sales number generated by the sales number generation means 405. The sales number management database 407 may store all information of a transaction related to the sales number with which the contract is concluded at the affiliate store 303. In the sales number management database 407, all transaction information is stored using the sales number as a kit value, and information of the current state is stored. The information of the current state indicates whether the sales number is currently pending transaction approval, whether it is approved, and if the rejection code is included, if the approval is rejected.

The sales number transmission means 409 transmits the sales number generated by the sales number generation means 405 to the user 301 and the transaction card company 305. The sales number may be transmitted to the user 301 and the transaction card company 305 simultaneously or at different times.

The sales approval number receiving unit 411 serves to receive the sales approval number input from the transaction card company 305. The sales authorization number is selected by the user who received the sales number 301 from one of several cards of the same kind (ie, a Shinhan visa card among the visa cards he has) to the card issuer 309. When a transaction approval request is made and the approval request is determined as the result of the approval, it is a combination of the sales number and the approval number. At this time, the approval process for the corresponding sales transaction is completed by receiving the sales approval number. The sales approval number will be described in detail with reference to FIG. 9.

9 is a view showing the configuration of the sales approval number according to an embodiment of the present invention.

Referring to FIG. 9, the sales approval number is a sales number (903, see FIG. 8), a BIN number of the card issuer 309 (for example, 9999-99) 905, an approval date (for example, 20000802). 907, an authorization number (eg, 9876-5432) 909. As the whole 911, for example, 50 bytes of V4518431234567820000801123499999992000080298765432 are represented.

The first control means 401 serves to control the above-described means.

In another preferred embodiment of the present invention, the merchant 303 is a transmission and reception means (not shown) and transaction arrangement means 403, sales, replacing the sales number transmission means 409 and sales approval number reception means 411 described above. And a first processor (not shown) that performs the role of the number generating means 405 and the first control means 401.

5 is a view showing the configuration of a user according to an embodiment of the present invention.

Referring to FIG. 5, the user 301 receives the sales number from the affiliate store 303 and the sales number transmission / reception means 503 and the sales number transmission / reception means 503 for transmitting the sales number to the card issuer 309. Second control means 501 for controlling is provided. The sales number received from the affiliate store 303 is automatically stored in the user's storage device (not shown).

6 is a view showing the configuration of a card issuing company according to an embodiment of the present invention.

Referring to FIG. 6, the card issuer 309 stores the sales number receiving means 603 for receiving the sales number from the user 301, the sales number approval means 605 for approving the received sales number, and the sales approval number. And a sales approval number transmission means 607 for transmitting to the approval relay authority 307 or the affiliated store 303, and third control means 601 for controlling the respective means.

The sales number receiving unit 603 serves to receive the sales number from the user 301. The user 301 may select a specific card to be used by using the sales number receiving means 603. That is, after confirming the identity of the member through a security authentication system (not shown) unique to the selected specific card company, access is made through Internet banking or the like. After the user accesses the card issuer 309 by a method such as Internet banking, the user submits the sales number and transaction amount stored in his storage means to the card issuer 309 to the credit card authorization service, and then requests transaction approval. do. By accessing by internet banking or the like, the member company can be confirmed through the card company's own security authentication system (not shown). Therefore, the credit card transaction authorization of the sales is automatically generated without the user entering a credit card number. ) May be linked to the ledger of his card number.

The sales number approval means 605 checks the member's credit card transaction ledger for the transaction approval using the sales number and the transaction amount requested by the user 301, checks whether it is within the limit, whether it is a normal transaction, and corresponds to the corresponding sales number. Decide whether to approve the transaction.

Once the transaction approval is determined, an approval number is generated. Since the authorization number is as described above, the description thereof will be omitted. The generated approval number is recorded in the transaction ledger of the user 301.

The sales approval number transmission means 607 serves to transmit the sales approval number generated by the sales number approval means 605 to the approval relay agency 307 or the card trading company 305 of the affiliate store. The approval relay agency can check the correct destination through the BIN number of the transaction card company 305 of the affiliate store 303 included in the sales approval number, and serves to relay the sales approval number.

The third control means 601 serves to control each of the above means.

In another preferred embodiment of the present invention, the sales number receiving means 603 and sales approval number transmitting means 607 may be replaced by a transmitting and receiving means (not shown), and the sales number receiving means 605 and the third control. The means 601 may be replaced with a third processor (not shown).

7 is a diagram showing the configuration of a trading card company according to an embodiment of the present invention.

Referring to FIG. 7, the transaction card company 305 receives the sales approval number from the sales number receiving means 703, the card issuer 309, or the approval relay 307, which receives the sales number from the affiliate store 303. And a sales approval number receiving means 705, a sales approval number processing means 707 for processing the received sales approval number, and a fourth control means 701 for controlling the respective means.

The sales number receiving means 703 receives the sales number and the transaction amount of the corresponding transaction from the affiliate store 303 and transmits the sales approval number processing means 707.

The sales approval number receiving means 705 serves to receive the sales approval number and the transaction amount from the transaction issuer 309 or the approval relay agency 307 and transmit them to the sales approval number processing means 707.

The sales approval number processing means 707 compares the sales number, the sales approval number, and the transaction amount received from the sales number receiving means 703 and the sales approval number receiving means 705 to determine whether the same sales number is included. If the same sales number is included and the transaction amount is the same, the transaction corresponding to the sales number is finally approved. Notifying the affiliated store 303 of the approval result may also play a role. In another preferred embodiment of the present invention, the authorization result is transmitted via transmission and reception means (not shown). The affiliate store 303 takes a payment step by purchasing a sales slip using a non-slip method using the received approval result.

The fourth control means 701 serves to control the aforementioned means.

In another preferred embodiment of the present invention, the sales number receiving means 703 and sales approval number receiving means 705 may be replaced by a transmission and reception means (not shown), sales approval number processing means 707 and fourth The control means 701 may be replaced with a fourth processor (not shown).

10 is a flowchart illustrating a credit card transaction approval method in electronic commerce via the Internet according to an exemplary embodiment of the present invention.

Referring to FIG. 10, the user selects a product to purchase in step 1001. In step 1003, a product selection signal corresponding to the selected product is transmitted to the affiliate store. In step 1003, the user may further include selecting a credit card type and requesting the merchant for a sales number.

A merchant receives the product selection signal and generates a sales number corresponding to the product selection (step 1005). Since the generation of the sales number is as described above, the description thereof will be omitted.

The affiliate store transmits the sales number to the user (step 1007), and transmits the sales number and the transaction amount (hereinafter referred to as price) to the trading card company (step 1009). Steps 1007 and 1009 may be performed simultaneously or at different times.

The user stores the received sales number in his storage device (not shown), and selects a specific card (step 1010) among the cards of the type selected at the time of signing a transaction among several cards owned by the user. Thereafter, in step 1011, the user accesses the card issuer corresponding to the specific credit card selected through Internet banking or PC banking and transmits a sales number and a price to request approval of the transaction.

The card issuer authenticates (not shown) that the accessing user is his / her member through a uniquely trusted authentication procedure. In step 1012, the card issuer uses the received sales number and price and a pre-stored credit card ledger to determine whether the authorization requirements are met (not shown), and if the transaction can be approved, the sales authorization number is entered. Create Since the sales number includes the BIN number of the trading card company of the merchant, the trading card company of the merchant can be known.

In step 1013, the card issuer may transmit the sales approval number and the user address (stored in advance when the user registers the member) to the approval relay agency or directly to the transaction card company. The transmission may be transmitted through a dedicated communication network between card companies. Thereafter, the card issuer stores the authorization details in the credit card ledger corresponding to the user (not shown).

When sending the sales authorization number, sending the address of the user to whom the goods will be delivered may be optional.

In step 1015, the authorization relay authority sends the sales number and the user address received from the card issuer to the trading card company. However, if the card issuer directly transmits the sales number and the user address to the transaction card company, step 1015 may be omitted.

In step 1017, the transaction card company compares the received sales number, sales approval number, price, and the like to determine whether the sales number is valid.

If the sales number is invalid as a result of step 1017, the merchant notifies the merchant of rejecting the transaction (step 1018).

As a result of step 1017, if the sales number is valid, the merchant is notified of the transaction approval, the user's address and the price of the product are transmitted (step 1019), and a sales slip purchase procedure in front of the merchant is initiated (not shown). .

In step 1021, the transaction card company sends the transaction approval either directly to the card issuer or to the approval relay, and bills the goods directly to the card issuer or to the approval relay.

In step 1025, the card issuer receives the transaction approval and billing of the goods directly from the transaction card company or from an authorization relay agency (step 1023), and bills the transaction conclusion notification and payment for the user.

Subsequent steps 1027 to 1031 are the same as in the case of a normal credit card transaction, and thus description thereof will be omitted.

The credit card transaction approval method and system in the electronic commerce via the Internet described with reference to FIGS. 3 to 10 may be implemented in the case of domestic transactions. The international transaction is almost the same as the domestic transaction described above, but a procedure in which information transfer between a domestic card company and an overseas card company is transmitted through a credit card company's international computer network is involved. If the card used is a visa card (VAP), and in the case of a master card, the master card computer network acts as an authorization relay agency that relays the sales authorization number, which is authorization information, and transmits it to the relevant card company abroad.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

As described above, in the electronic commerce via the Internet according to the present invention, by the credit card authorization method and system, the information exposed on the Internet is invalid information, that is, a malicious third party who does not need to encrypt Even if it is obtained illegally, credit card transactions can be authorized through information that is useless only by the user.

In addition, in the electronic commerce via the Internet according to the present invention, by the credit card authorization method and system, it is possible to perform the electronic commerce via the Internet in the state that the user information is not recognized at the merchant.

In addition, in the electronic commerce via the Internet according to the present invention, by the credit card authorization method and system, the user can directly pay the credit card information without notifying the merchant.

In addition, as the user directly decides the approval through his / her card issuer, the user cannot deny the approval of the card user like online bank transfer. Therefore, the stability of credit card transactions can be improved.

In addition, in the electronic commerce via the Internet according to the present invention, it is possible to prevent the illegal leakage of the user's credit card information through the wireless Internet by the credit card approval method and system.

Claims (19)

In performing an e-commerce based on a network, a system for approving a credit card transaction using a sales number, Generate a sales number for the product or service selected by the user, send the sales number to the user, send the sales number and the price corresponding to the product or service to a trading card company, and perform a credit card transaction from the trading card company. A merchant that receives the approval of the, and provides goods or services to the user when the credit card transaction is approved; Sending a product selection signal according to the selection of the product or service to the affiliated store, receiving the sales number from the affiliated store, selecting a specific card, and then crediting the card issuer with the sales number and the price A user sending an authorization request; A card issuer that receives a credit card transaction approval request including the sales number and price from the user, generates a sales approval number, and transmits the generated sales approval number to a trading card company; Determining whether the sales number is valid using the sales number and the price received from the merchant and the sales authorization number received from the card issuer, and if the result is valid, notifying the merchant of credit card transaction approval, If not, the transaction card company notifying the merchant of the credit card transaction authorization decline. An internet e-commerce comprising a credit card authorization system. In performing an e-commerce based on a network, a method of authorizing a credit card transaction using a sales number, Receiving a product or service selection signal from a user; Generating a sales number corresponding to the product or service selection signal; Transmitting the sales number to the user and transmitting the sales number and a price corresponding to the product or service to a trading card company; Receiving whether the credit card transaction is approved from the transaction card company Including, The transaction card company determines whether to approve the credit card transaction using the sales approval number generated by the card issuer using the received sales number and price and the sales number received by the user. Credit card transaction approval method in a merchant, characterized in that. The method of claim 1, The credit card transaction authorization method at the merchant Receiving the user address from the transaction card issuer; Delivering the goods using the user address Containing more Credit card transaction approval method in a merchant, characterized in that. The method of claim 1, The sales number is Including at least the user's credit card type, a BIN number of a trading card company according to the user's credit card type, the merchant number, a transaction date, a transaction serial number, a shank number Credit card transaction approval method in a merchant, characterized in that. The method of claim 1, The sales approval number is At least the sales number, a BIN number of the card issuer, an authorization date, and an authorization number Credit card transaction approval method in a merchant, characterized in that. The method of claim 1, Whether the credit card transaction was approved If the sales number, sales approval number, price is valid, the transaction is approved; Credit card transaction approval method in a merchant, characterized in that. In performing an e-commerce based on a network, a method of authorizing a credit card transaction, Receiving a sales number and a price corresponding to a product or service selected by a user from an affiliated store; Receiving a sales approval number and a price generated using the sales number sent by the user; Determining whether the credit card transaction is approved using the sales number, the sales approval number, and the price; Transmitting whether to approve the credit card transaction to the affiliated store; Including, The sales number is generated at the affiliated store Credit card transaction approval method in the transaction card company, characterized in that. The method of claim 7, wherein At the merchant, Receiving the user address from the transaction card company and delivering the product Credit card transaction approval method in the transaction card company, characterized in that. The method of claim 7, wherein The sales number is Including at least the user's credit card type, a BIN number of a trading card company according to the user's credit card type, the merchant number, a transaction date, a transaction serial number, a shank number Credit card transaction approval method in the transaction card company, characterized in that. The method of claim 7, wherein The sales approval number is At least the sales number, a BIN number of the card issuer, an authorization date, and an authorization number Credit card transaction approval method in the transaction card company, characterized in that. The method of claim 7, wherein Whether the credit card transaction was approved If the sales number, sales approval number, price is valid, the transaction is approved; if the sales number, sales approval number, price are invalid, the transaction is determined to be rejected. Credit card transaction approval method in the transaction card company, characterized in that. In performing an e-commerce based on a network, a method of authorizing a credit card transaction, Receiving a sales number and a price corresponding to a product or service selected by a user; Generating a sales approval number using the sales number; Transmitting the sales approval number to a trading card company Including, The sales number is generated in an affiliated store that performs e-commerce with a user, and the transaction card company determines whether to approve a credit card transaction using the sales number, sales approval number, and price, and transmits the credit card transaction to the affiliated store. Credit card transaction approval method in the card issuer characterized in that. The method of claim 12, Receiving the user address from the transaction card issuer at the affiliated store and delivering the product Credit card transaction approval method in the card issuer characterized in that. The method of claim 12, The sales number is Including at least the user's credit card type, a BIN number of a trading card company according to the user's credit card type, the merchant number, a transaction date, a transaction serial number, a check number Credit card transaction approval method in the card issuer characterized in that. The method of claim 12, The sales approval number is At least the sales number, a BIN number of the card issuer, an authorization date, and an authorization number Credit card transaction approval method in the card issuer characterized in that. The method of claim 1, Whether the credit card transaction was approved If the sales number, sales approval number, price is valid, the transaction is approved; if the sales number, sales approval number, price are invalid, the transaction is determined to be rejected. Credit card transaction approval method in the card issuer characterized in that. A memory in which a program is stored; A processor coupled to the memory to execute the program Including, The processor by the program, In performing an e-commerce based on a network, a method of authorizing a credit card transaction, Receiving a product or service selection signal from a user; Generating a sales number corresponding to the product or service selection signal; Transmitting the sales number to the user and transmitting the sales number and a price corresponding to the product or service to a trading card company; Receiving whether the credit card transaction is approved from the transaction card company Run the The transaction card company determines whether to approve the credit card transaction using the sales approval number generated by the card issuer using the received sales number and price and the sales number received by the user. Credit card transaction approval method in a merchant, characterized in that. A memory in which a program is stored; A processor coupled to the memory to execute the program Including, The processor by the program, In performing an e-commerce based on a network, a method of authorizing a credit card transaction, Receiving a sales number and a price corresponding to a product or service selected by a user from an affiliated store; Receiving a sales approval number and a price generated using the sales number sent by the user; Determining whether the credit card transaction is approved using the sales number, the sales approval number, and the price; Transmitting whether to approve the credit card transaction to the affiliated store; Run the The sales number is generated at the affiliated store Credit card transaction approval method in the transaction card company, characterized in that. A memory in which a program is stored; A processor coupled to the memory to execute the program Including, The processor by the program, In performing an e-commerce based on a network, a method of authorizing a credit card transaction, Receiving a sales number and a price corresponding to a product or service selected by a user; Generating a sales approval number using the sales number; Transmitting the sales approval number to a trading card company Run the The sales number is generated in an affiliated store that performs e-commerce with a user, and the transaction card company determines whether to approve a credit card transaction using the sales number, sales approval number, and price, and transmits the credit card transaction to the affiliated store. Credit card transaction approval method in the card issuer characterized in that.