The System and Method for Online Merchant Card Payment which utilizes Card Nickname and One-time Password

摘要

The present invention relates to payment technology at an online merchant such as a TV home shopping, an Internet shopping mall, or a mobile shopping mall. When a card payment is selected as a payment method at an online merchant, one or more card nicknames stored in the member security net When a card member selects a specific card alias and inputs a card password, 'a part of the encrypted card number' stored in the member security line matching the card alias is retrieved, and the card password is converted into a disposable password And the encrypted card number and the disposable password generated using a part of the encrypted card number are transmitted to the payment device management system through the card payment network of the online merchant, and the payment device management system decrypts the encrypted card number And is matched with the decrypted card number, The password is stored in the same function as the function used to convert the card password into the one-time password in the member security system, and the disposable password is calculated. The disposable password is calculated from the disposable password calculated by the payment system management system and received from the member security system If the one-time password is matched, it is recognized that a valid password has been submitted.