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Net settlement assisting device

An auxiliary device and network technology, applied in the direction of secure communication device, encoding/decoding device, payment system structure, etc., to achieve the effect of improving concealment, increasing convenience, and promoting utilization

Active Publication Date: 2013-05-01
JAPAN CREDIT BUREAU
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0011] However, if the fixed password is known by a third party, the third party can still pretend to be a card member to carry out online business transactions, which may not be safe.

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0132] Below, for the issued figure 1 The credit card contractors of the shown Internet payment assistance device 1, that is, credit card members (hereinafter referred to as card members), use the Internet payment assistance device 1, and use the card number of the card member through a personal computer or a mobile phone with a communication function. Checkout, to carry out an embodiment of network business transactions such as network shopping (hereinafter referred to as network business transactions), will be described.

[0133] The system configuration and network connection relationship of the network checkout system of the present embodiment are shown in figure 2 system configuration diagram. Also, the flow of the network business transaction in the network checkout system of this embodiment is shown in image 3 flow chart.

[0134] In addition, in this embodiment, it is a credit card brand that provides online commercial transaction services in the online checkout s...

Embodiment 2

[0199] Secondly, for the card member who is issued with the online settlement auxiliary device 1a (not shown), use the online settlement auxiliary device 1a, and use the card number of the card member to check out through the personal computer or mobile phone with communication function. An example of a commercial transaction will be described.

[0200] The difference between this embodiment and the previous embodiment 1 lies in the one-time password generation method of the OTP generation unit 16 of the network settlement assistance device, the storage content of the OTP generation information storage unit 17, and image 3 Contents of the authentication process (S80, S90) between the member terminal 2 and the authentication server 7 (in this embodiment, the authentication server 7a) in the above.

[0201] That is, in the previous embodiment 1, the one-time password generation method was set to the time synchronization method, but in this embodiment, the usage count synchroniz...

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Abstract

[PROBLEMS] A net settlement assisting device free of danger of eavesdropping and false alteration of a card number and a password and enabling more secure net business transaction. [MEANS FOR SOLVING PROBLEMS] A net settlement assisting device comprises a display (11), a card information storage section (13) where card information on a card contractor is so stored in advance as to be prevented from being read from outside, an authentication information storage section (15) where authentication information on the contractor is so stored in advance as to prevented from being read from outside, an OTP creation information storage section (17) where OTP creation information is stored in advance as to be prevented from being read from outside, a numeric keypad (12a), authenticating means (14) for authenticating the operator on the basis of the information inputted by means of the numeric keypad (12a) and displaying the card information on the display (11), and OTP creating means (16) for creating a one-time password according to the OTP creation information after the card information is displayed and displaying the one-time password on the display (11). The contractor is authenticated with the one-time password, thereby enabling a net transaction.

Description

technical field [0001] The invention relates to a network checkout assistant device. Background technique [0002] In the past, the card identification information (card number) and password of credit card or bank card were stored in advance in the mobile phone. A mobile phone also has the function of a card (for example, refer to Patent Document 1). [0003] However, such a mobile phone with a card function has the following problems. [0004] Patent Document 1: Japanese Patent Laid-Open No. 2002-64597 [0005] The data storage and deletion etc. of the mobile phone with the card function described in Patent Document 1 are carried out through communication. In other words, the mobile phone is premised on being connected to the network. [0006] In this way, if the card numbers or passwords are stored in advance in a mobile phone that can be connected to the network, there is a high risk of these card numbers or passwords being eavesdropped or tampered with by a malicious...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F21/34G06F21/31G06F21/32G06Q20/00G06Q20/40G06Q20/42G09C1/00H04L9/10
CPCG06F21/34G06Q20/12G06Q20/14G06Q20/382G06Q20/401H04L9/0863H04L9/0869
Inventor 田中俊川胜实之
Owner JAPAN CREDIT BUREAU
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