Electronic payment system and method using anonymous representative payment means
First Claim
1. An electronic payment system using an anonymous representative payment means issued by a financial company in an Internet shopping mall affiliated with the financial company, the electronic payment system comprising:
- an electronic payment web server connected to a client terminal through the Internet, for providing an identification number and password to a client who applies for a registration, providing a representative payment means to the client who applies for the card, and downloading an electronic wallet driving program to an web browser of the client terminal; and
a payment gateway server connected to the electronic payment web server by a leased line, for receiving a representative payment means issued by a financial system of the financial company and to be provided through the electronic payment web server to the client who applies for the card, incorporating the identification number of the representative payment means into an electronic wallet corresponding to the client'"'"'s identification number, receiving a client'"'"'s product purchase information from the electronic wallet driving program downloaded to the client terminal, requesting an approval for payment with the representative payment means to the financial system in response to a payment approval request from an Internet shopping mall server, and informing the Internet shopping mall server of the result of payment approval request from the financial system.
2 Assignments
0 Petitions
Accused Products
Abstract
An electronic payment system and method with an anonymous represent payment card is provided which ensure the anonymity of a client and are available for electronic commerce and real transactions. The electronic payment system includes: an electronic payment web server connected to a client terminal through the Internet, for providing an identification number and password to a client who applies for a registration, providing a representative payment card to the client who applies for the card, and downloading an electronic wallet driving program to an web browser of the client terminal; and a payment gateway server connected to the electronic payment web server by a leased line, for receiving a representative payment card issued by a financial system of a financial company and to be provided through the electronic payment web server to the client who applies for the card, incorporating the identification number of the representative payment card into an electronic wallet corresponding to the client'"'"'s identification number, receiving a client'"'"'s product purchase information from the electronic wallet driving program downloaded to the client terminal, requesting an approval for payment with the representative payment card to the financial system in response to a payment approval request from an Internet shopping mall server, and informing the Internet shopping mall server of the result of payment approval request from the financial system. The client'"'"'s authentication is achieved by the identification number and password, so that the representative payment means can be used in affiliated electronic commerce shops with secured anonymity. The representative payment card can be efficiently used in existing credit card-affiliated shops using its identification number.
70 Citations
11 Claims
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1. An electronic payment system using an anonymous representative payment means issued by a financial company in an Internet shopping mall affiliated with the financial company, the electronic payment system comprising:
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an electronic payment web server connected to a client terminal through the Internet, for providing an identification number and password to a client who applies for a registration, providing a representative payment means to the client who applies for the card, and downloading an electronic wallet driving program to an web browser of the client terminal; and
a payment gateway server connected to the electronic payment web server by a leased line, for receiving a representative payment means issued by a financial system of the financial company and to be provided through the electronic payment web server to the client who applies for the card, incorporating the identification number of the representative payment means into an electronic wallet corresponding to the client'"'"'s identification number, receiving a client'"'"'s product purchase information from the electronic wallet driving program downloaded to the client terminal, requesting an approval for payment with the representative payment means to the financial system in response to a payment approval request from an Internet shopping mall server, and informing the Internet shopping mall server of the result of payment approval request from the financial system. - View Dependent Claims (2, 3, 4, 5)
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6. An electronic payment system using an anonymous representative payment means issued by a financial company in an Internet shopping mall which not affiliated with the financial company, the electronic payment system comprising:
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an electronic payment web server connected to a client terminal through the Internet, for providing an identification number and password to a client who applies for a registration, providing a representative payment means to the client who applies for the card, and downloading an electronic wallet driving program to an web browser of the client terminal; and
a payment gateway server connected to the electronic payment web server by a leased line, for receiving a representative payment means issued from a financial system of the financial company and to be provided through the electronic payment web server to the client who applies for the card, incorporating the identification number of the representative payment means into an electronic wallet corresponding to the client'"'"'s identification number, receiving and authenticating a client identification number and password from the electronic wallet driving program downloaded to the client terminal to transfer client profile information including the identification number of the representative payment means, which is stored in the electronic wallet of the authenticated client, to the electronic wallet driving program, so that the client profile information is automatically displayed in an input box for payment means information provided by the Internet shopping mall server.
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7. An electronic payment method using an anonymous representative payment means issued from a financial company in an Internet shopping mall affiliated with the financial company, the electronic payment method comprising:
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(a) providing a identification number and password to a client who applies a registration;
(b) receiving a representative payment means issued from a financial system of the finance company and incorporating the identification number of the representative payment means into an electronic wallet corresponding to the client'"'"'s identification number;
(c) downloading an electronic wall driving programing to an web browser on a client terminal if the client requests for the download;
(d) receiving and authenticating the identification number and password from the electronic wallet driving program; and
(e) receiving a client'"'"'s product purchase information from the electronic wallet driving program, and requesting an approval for payment with the representative payment means to the financial system in response to a payment approval request from the Internet shopping mall, and informing the Internet shopping mall of the result of payment approval request from the financial system. - View Dependent Claims (9, 10)
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8. The electronic payment method of
claim 8 , wherein the representative payment means is a prepaid card.
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11. An electronic payment method using an anonymous representative payment means issued from a financial company in an Internet shopping mall which is not affiliated with the financial company, the electronic payment method comprising:
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(a) providing a identification number and password to a client who applies a registration;
(b) receiving a representative payment means issued from a financial system of the finance company and incorporating the identification number of the representative payment means into an electronic wallet corresponding to the client'"'"'s identification number;
(c) downloading an electronic wall driving programing to an web browser on a client terminal if the client requests for the download;
(e) receiving and authenticating a client identification number and password from the electronic wallet driving program downloaded to the client terminal to transfer client profile information including the identification number of the representative payment means, which is stored in the electronic wallet of the authenticated client, to the electronic wallet driving program, so that the client profile information is automatically displayed in an input box for payment means information provided by the Internet shopping mall server.
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Specification