JP2002298043A - Method and system for settlement, device for financial institute, and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system for settlement, a device for financial institute, and computer program capable of preventing a corporation from being damaged by the corruption of a person who obtains medium identification information on authentication medium and term of validity information in a settlement using the authentication medium owned by a natural person related to the corporation. SOLUTION: Only the medium identification information is notified to the corporation 200, the medium identification information not added with the term of validity information is sent from a device 20 for the corporation to a dealer device 40 controlled by a dealer 400 through a second dedicated communication line L2 with high safety, and the medium identification information not added with the term of validity information and sales prices are sent from the dealer device 40 to a financial institute device 10 through a value-added communication network NW2 allowing a transmitter to be certified with reinforced safety. In the financial institute device 10, the information on the transmitter certified by the value-added communication network NW2 regarded as the alternative information of the term of validity information is processed for settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method for determining the validity of a corporate card, such as a credit card company, based on the medium identification information and the expiration date given to an authentication medium such as a corporate card possessed by a natural person associated with a corporation that has a contract with a financial institution. The present invention relates to a settlement method for performing settlement of a product purchased by a natural person from a seller, a settlement system to which the method is applied, a device for a financial institution used in the system, and a computer program for realizing the device for a financial institution. The present invention relates to a payment method, a payment system, a financial institution device, and a computer program for performing a payment process with enhanced security using a value-added communication method such as that described above.

[0002]

2. Description of the Related Art In a corporation that has a contract with a financial institution such as a credit card company, a natural person who enters into a labor contract with the corporation may have an authentication medium called a corporate card issued by trust in the corporation. .

[0003] The authentication medium is provided with medium identification information such as a card number and expiration date information indicating an expiration date.
The medium identification information and the expiration date information are recorded on both the financial institution device managed by the financial institution and the corporate device managed by the corporate.

[0004] If necessary, the financial institution device updates the medium identification information and the expiration date information, and transmits the updated medium identification information and expiration date information to the corporate device. The identification information and the expiration date information are updated.

When a natural person purchases a product from a seller in a contract with a financial institution using an authentication medium, the natural person notifies the seller of medium identification information and expiration date information given to the authentication medium. , The seller informs the financial institution of the media identification information and expiration date information and the selling price of the product, and the financial institution performs authentication based on the media identification information and the expiration date information, and the financial institution and the seller Settlement processing is performed between financial institutions and legal entities.

[0006]

However, in the conventional settlement system, if the medium identification information and the expiration date information are intercepted during communication, there is a problem that the information may be used improperly and cause damage to a corporation. There is.

[0007] Also, in the case where the corporate device is illegally accessed and the medium identification information and the expiration date information are leaked,
There is a problem that it may be used improperly and cause damage to corporations.

Further, a natural person who is informed of the medium identification information and the expiration date information abuses this settlement system,
There is a problem that there is a possibility of damaging a corporation.

[0009] The present invention has been made in view of such circumstances, and notifies a corporation of only medium identification information, and provides a highly secure system from a corporate device to a seller device managed by a seller. Transmit media identification information without expiration date information via a dedicated communication line, and certify the sender from the seller's device to the financial institution's device with enhanced security such as VAN (Value Added Network) Transmits the medium identification information and the selling price to which the expiration date information is not added through a value-added communication network capable of transmitting the information, and the financial institution apparatus transmits the source information certified by the value-added communication network to the expiration date information. Payment method that can reduce the occurrence of fraud and enhance security by performing payment processing by considering it as alternative information of It is an object to provide a financial institution device to be used and a computer program for realizing the device.

[0010]

According to a first aspect of the present invention, there is provided a settlement method, wherein the natural person sells the card based on the card number and the expiration date information of the natural card possessed by the natural person associated with the corporation contracted with the credit card company. In the settlement method for performing settlement of goods purchased from a seller, the natural person or the corporation notifies the seller of a card number to which no expiration date information is added, and the seller is provided with the notified expiration date. Notify the credit card company of the card number and the billing price of the product to be sold by a value-added communication method capable of certifying the sender, and the credit card company is certified by the value-added communication method. The sender information indicating the sender of the received information is regarded as alternative information to the expiration date information, and the received card number without the expiration date information is added. Is an alternative information expiration date information based on the source information, and performs settlement for goods.

A settlement system according to a second aspect of the present invention is a financial institution device managed by a financial institution, a corporate device managed by a corporate contracted with the financial institution, and connected to the corporate device by a dedicated communication line. A device for a seller to be provided, and based on the medium identification information and the expiration date information given to the authentication medium possessed by the natural person related to the corporation, the settlement system for performing the settlement of the product purchased by the corporation or the individual. The corporate device comprises means for transmitting the medium identification information to which the expiration date information is not added to the seller device via a dedicated communication line, and the seller device certifies the source Value-added communication means for connecting to a value-added communication network that is capable of performing Means for transmitting to the financial institution device via a network, the financial institution device records source information indicating a source certified by a value-added communication network as substitute information for expiration date information. And a settlement unit for performing settlement based on the received medium identification information to which the expiration date information is not added, and transmission source information which is substitute information for the expiration date information.

[0012] In a settlement system according to a third invention, in the second invention, the settlement means issues a sales slip of the product based on the received billing price, card number and expiration date information substituted by the sender information. It is characterized by what it does.

According to a fourth aspect of the present invention, there is provided an apparatus for a financial institution, wherein the corporation or the individual is registered on the basis of the medium identification information and the expiration date information given to the authentication medium possessed by a natural person associated with the corporation contracting with the financial institution. A device for financial institutions that performs settlement of products to be purchased, and a value-added communication that communicates with a device for a seller managed by a seller who sells the product via a value-added communication network capable of certifying the sender. Means, medium identification information to which expiration date information has not been added,
Means for receiving, via the value-added communication network, the charge price of the product sold by the seller from the seller's device, and the received medium identification information to which the expiration date information has not been added, It comprises means for recording as substitute information, and settlement means for making a settlement based on the medium identification information to which the received expiration date information is not added, and transmission source information which is substitute information for the expiration date information.

[0014] A computer program according to a fifth aspect of the present invention includes a seller device managed by a seller who sells a product,
A medium provided to an authentication medium possessed by a natural person associated with a corporation contracting with a financial institution, to a computer having a value-added communication means for communicating via a value-added communication network capable of proving the source. Based on the information and the expiration date information, in a computer program that allows the corporation or the individual to settle the goods purchased from the seller, the computer has a medium identification information without expiration date information added thereto, and the seller A procedure for receiving the billing price of the sold product from the seller's device by the value-added communication means, and recording, on the computer, the medium identification information to which the received expiration date information is not added as substitute information for the expiration date information The media identification information to which the received expiration date information is not added, and Characterized in that it comprises a procedure for performing the settlement based on the source information is an alternative information time limit information.

[0015] In the settlement method, settlement system, financial institution apparatus, and computer program according to the present invention, the corporate apparatus manages medium identification information to which expiration date information is not added, and has high security and a high transmission source. By transmitting the medium identification information without the expiration date information to the financial institution device through a communication method capable of proving
There is no risk that both the medium identification information and the expiration date information will be intercepted during communication, and there is no risk that both the media identification information and the expiration date information will be leaked even if there is unauthorized access to the corporate device; and Since there is no need to give the expiration date information to natural persons, there is no danger of misuse, and it is possible to realize high security.

Further, in the settlement system according to the present invention, since the sales slip of the product is issued by the financial institution device, it is not necessary to notify the seller device of the expiration date information, and high security can be realized. It is possible.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the drawings showing the embodiments. FIG. 1 is an explanatory diagram conceptually showing a settlement system of the present invention, FIG. 2 is a block diagram showing a configuration of a financial institution and a seller in the settlement system of the present invention, and FIG. FIG. 4 is a block diagram showing the configuration, and FIG. 4 is an explanatory diagram conceptually showing a recording medium on which a computer program for realizing the financial institution apparatus of the present invention is recorded.

In the figure, reference numeral 10 denotes an apparatus for a financial institution of the present invention using a server computer.
It is managed by a financial institution 100 such as a credit card company. The financial institution 100 has a contract relationship with the corporation 200, and the corporation 200 has a natural person 300 with a labor contract holding an authentication medium C called a corporate card issued from the financial institution 100 by trust in the corporation 100.

The corporation 200 manages the corporation apparatus 20 using a server computer connected to the financial institution apparatus 10 by the first dedicated communication line L1. The terminal device 30 is connected to the terminal device 30 via an in-corporation communication network NW1 such as an Area Network), and the terminal device 30 is operated by a natural person 300.

Further, the corporate device 20 is a financial institution 100
And a seller device 40 and a second dedicated communication line L managed by a seller 400 such as a travel agent in contract with the corporation 200.
2 and the seller device 40 and the financial institution device 10 are connected to each other by a value-added communication network N that can enhance the security of the VAN or the like and certify the source.
They are connected by W2.

The financial institution apparatus 10 has a recording medium R such as a CD-ROM in which information such as a computer program PG and data is recorded as shown in FIG.
Auxiliary storage means 1 such as a CD-ROM drive for reading information such as computer program PG and data from EC
And a recording unit 13 such as a hard disk for recording information such as a computer program PG and data read by the auxiliary storage unit 12.

The server computer operates as the financial institution apparatus 10 of the present invention by reading information such as the computer program PG and data from the recording means 13, storing the information in the RAM 14 for storing the information, and executing the information by the CPU 11. .

The financial institution apparatus 10 further includes an output unit 15 such as a printer for issuing a sales slip of the product, a first communication unit 16 connected to the first dedicated communication line L1, and a second connection unit connected to the value-added communication network NW2. Two communication means 17 are provided.

A part of the recording area of the recording means 13 is used as various databases such as a financial institution authentication medium database 10a for recording information on the authentication medium C, and accesses various databases as necessary.
Information recording / reading processing is performed.

Instead of using a part of the recording area of the recording means 13 as various databases, another apparatus having the recording means may be connected to the financial institution apparatus 10 and used as various databases.

FIG. 5 is an explanatory diagram conceptually showing the recorded contents of the financial institution authentication medium database 10a provided in the financial institution apparatus 10 of the present invention. In the financial institution authentication medium database 10a, the information on the authentication medium C includes the expiration date information indicating the expiration date associated with the medium identification information such as the card number, the corporation identification information specifying the corporation 200, and the natural person 300. It is recorded as a record having data in each item such as the identification information of the natural person to be specified. As the natural person identification information, it is also possible to record a plurality of data such as an employee ID and an organization code, and these natural person identification information can be recorded at the time of application for use of the authentication medium C and at the time of new creation or change at the time of transfer or the like. The information is previously notified from the corporation 200 as change information using a form such as a membership application form and a change communication form, an information recording medium such as a flexible disk and a CD-ROM for recording as digital information, and a means such as communication.

The financial institution 100 performs update processing such as new creation and change of a record in the authentication media database 10a for the financial institution without delay based on the change information notified from the corporation 200, and the expiration date has passed. Unnecessary records such as the record corresponding to the authentication medium C and the record corresponding to the discarded authentication medium C are immediately deleted.

The corporate device 20 includes a CPU 21, a recording means 22, a RAM 23, and a first dedicated communication line L1.
The communication unit 24 includes a communication unit 24, a second communication unit 25 connected to the second dedicated communication line L2, and an internal communication unit 26 connected to the in-company communication network NW1, and a part of the recording area of the recording unit 22 relates to the authentication medium C. It is used as various databases such as a corporate authentication medium database 20a for recording medium identification information and natural person identification information in association with each other.
Various databases are accessed as needed to record / read information.

The authentication medium database 10 for the financial institution
At a, every time a record update process is performed, the contents are transmitted from the financial institution device 10 to the corporate device 20 via the first dedicated communication line L1. Since the media database 20a is updated, the relationship between the media identification information and the natural person identification information of the financial institution authentication media database 10a and the corporate authentication media database 20a of the financial institution apparatus 10 always coincides.

The terminal device 30 includes a CPU 31, a recording unit 3
2. RAM 33, input means 3 such as mouse and keyboard
4, an output means 35 such as a monitor and a printer, and an internal communication means 36.

The seller device 40 includes a CPU 41, a recording unit 42, a RAM 43, a first communication unit 44 connected to a second dedicated communication line L2, and a value-added communication network NW2.
Is provided with the second communication means 45 connected to the communication device.

Next, the corporate device 20, the terminal device 30, and the seller device 40 used in the settlement system of the present invention.
Will be described with reference to the flowchart shown in FIG. For example, when a product such as an air ticket is required due to a business trip, the natural person 300 checks the product list output from the terminal device 30 by performing a predetermined input, and checks natural person identification information for identifying itself and necessary products. The indicated product information is input to the terminal device 30.

The terminal device 30 receives input of natural person identification information and product information (S101), and transmits the received natural person identification information and product information to the corporate device 20 (S102).

The corporate device 20 receives the natural person identification information and the product information (S103), and extracts the medium identification information corresponding to the received natural person identification information from the corporate authentication medium database 20a (S104). The medium identification information, the natural person identification information, and the product information to which the expiration date information has not been added are transmitted to the seller device 40 via the second dedicated communication line L2 (S105).

At the stage where the identification information of the natural person and the product information are received in step S103, the identification information of the natural person and the product information are transmitted to the terminal device 30 operated by the accounting officer of the corporation 200 as necessary, and the approval processing is performed. May be performed.

The seller device 40 receives the medium identification information, the natural person identification information, and the product information (S106), and performs a product order receiving process based on the received product information (S10).
7).

The commodity order receiving process in step S107 is, for example, a process of notifying the relevant business partner and / or person in charge of the commodity information to arrange the commodity and notifying the natural person 300 of the method of acquiring the commodity. Yes, this completes the order processing for the product. Then, the natural person 300 obtains the product according to the notified method of obtaining the product.

Next, the settlement processing of the financial institution apparatus 10 and the seller apparatus 40 used in the settlement system of the present invention will be described with reference to the flowchart shown in FIG. In the seller device 40, the media identification information to which the expiration date information received in step S106 is not added, and the billing price of the product to receive and sell the order, the value-added communication network capable of certifying the source. The data is transmitted to the financial institution device 10 via the NW 2 (S201).

The financial institution apparatus 10 receives the medium identification information to which the expiration date information has not been added and the billing price (S202), records the received medium identification information and the billing price (S203), and further adds the value-added communication. Network NW
2 is recorded as the substitute information of the expiration date information (S204).

Then, the authentication medium database 1 for the financial institution
0a, authentication processing is performed based on the medium identification information and the transmission source information which is substitute information for the expiration date information (S205), and the sales of the product are performed based on the medium information, the transmission source information and the billing price. A settlement process involving the output of a slip is performed (S206), and usage information indicating the result of the settlement process is transmitted to the corporate device 20 (S207). The corporate device 20 performs an accounting process based on the received usage information.

As described above, the corporate authentication medium database 2
0a, the same update process is performed every time the authentication medium database for financial institution 10a is updated. Therefore, the record on the authentication medium C whose expiration date has expired is deleted, and if the source can be certified, It can be determined that the expired authentication medium C is not used illegally.

In the above-described embodiment, the form in which the VAN is used as the value-added communication network NW2 has been described.
The present invention is not limited to this. If the communication method has a high level of security and can certify the transmission source, for example, communication using a dedicated communication line, and the Internet using advanced encryption and digital signature A communication method such as communication may be used.

[0043]

As described in detail above, in the settlement method, settlement system, financial institution apparatus, and computer program according to the present invention, expiration date information is used as information on an authentication medium such as a corporate card possessed by a natural person associated with a corporation. In the case of managing the media identification information without the addition on the corporate device and performing the settlement of the product, it is possible to certify the sender with high security from the seller device managed by the seller who sold the product. By transmitting the media identification information without the expiration date information to the financial institution device via a value-added communication network such as a possible VAN, both the media identification information and the expiration date information are intercepted during communication. There is no danger, and there is no danger of leaking both the media identification information and the expiration date information even if there is unauthorized access to the corporate equipment. It is not necessary to teach expiration date information, since there is no risk of being abused, etc. it is possible to realize a high degree of safety, an excellent effect.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram conceptually showing a settlement system of the present invention.

FIG. 2 is a block diagram showing a configuration of a financial institution and a seller in the settlement system of the present invention.

FIG. 3 is a block diagram showing a configuration of a corporation in the settlement system of the present invention.

FIG. 4 is an explanatory view conceptually showing a recording medium on which a computer program for realizing the financial institution apparatus of the present invention is recorded.

FIG. 5 is an explanatory diagram conceptually showing the recorded contents of a financial institution authentication medium database provided in the financial institution apparatus of the present invention.

FIG. 6 is a flowchart showing a product order process of a corporate device, a terminal device, and a seller device used in the settlement system of the present invention.

FIG. 7 is a flowchart showing a settlement process of a financial institution device and a seller device used in the settlement system of the present invention.

[Explanation of symbols]

 REFERENCE SIGNS LIST 10 financial institution device 20 corporate device 30 terminal device 40 seller device 100 financial institution 200 corporation 300 natural person 400 seller C authentication medium L1 first dedicated communication line L2 second dedicated communication line NW1 corporate communication network NW2 value added Communication network PG computer program REC recording medium

 ────────────────────────────────────────────────── ─── Continuation of front page (72) Inventor Hiroshi Ikegami 4-1-2, Hirano-cho, Chuo-ku, Osaka-shi, Osaka Inside Osaka Gas Co., Ltd.

Claims (5)

[Claims] Claims: 1. A payment method for a natural person to settle goods purchased from a seller based on a card number and an expiration date of a corporate card possessed by a natural person associated with a corporation contracting with a credit card company, The natural person or the corporation notifies the seller of the card number without the expiration date information, and the seller sends the notified card number without the expiration date and the billed price of the product to be sold, The credit card company is contacted by a value-added communication method capable of certifying the transmission source, and the credit card company transmits source information indicating the transmission source certified by the value-added communication method to expiration date information. Card number without the expiration date information received,
And a settlement method for merchandise based on transmission source information which is substitute information for the expiration date information. 2. A financial institution device managed by a financial institution,
A corporate device managed by a corporation that has contracted with the financial institution, and a seller device connected to the corporate device with a dedicated communication line, which is provided to an authentication medium possessed by a natural person associated with the corporation. A settlement system for performing settlement of goods purchased by the corporation or the individual based on the medium identification information and the expiration date information, wherein the corporate device converts the medium identification information without the expiration date information into a dedicated communication line. Means for transmitting to the seller's device through the device, the seller's device connects to a value-added communication network capable of certifying the transmission source, and the received expiration date information Means for transmitting, to the financial institution device via a value-added communication network, the media identification information that has not been added and the billing price of the product to be sold, the financial institution device Means for recording the source information indicating the source certified by the value-added communication network as alternative information to the expiration date information; medium identification information to which the received expiration date information has not been added; A payment means for performing payment based on transmission source information as information. 3. The method according to claim 2, wherein the settlement unit issues a sales slip of the product based on the received billing price, card number, and expiration date information substituted by the sender information. 2. The settlement system according to 2. 4. A financial institution that settles a product purchased by a corporation or an individual based on medium identification information and expiration date information assigned to an authentication medium possessed by a natural person associated with a corporation that has contracted with the financial institution. Device, a seller device managed by a seller who sells the product, a value-added communication means for communicating via a value-added communication network capable of certifying the transmission source, and expiration date information. Means for receiving, via the value-added communication network, the seller's device from the seller's device for the media identification information that has not been provided and the billing price of the product sold by the seller, Is recorded as substitute information of the expiration date information, the medium identification information to which the received expiration date information is not added, and the transmission of the substitute information of the expiration date information. Apparatus for financial institutions; and a settlement means for performing settlement based on the original information. 5. A computer provided with a seller device managed by a seller who sells a product and a computer provided with a value-added communication means for communicating via a value-added communication network capable of certifying a transmission source. Based on the medium identification information and the expiration date information given to the authentication medium possessed by a natural person associated with a legal entity that has contracted with, based on a computer program that causes the legal entity or individual to settle the goods purchased from the seller, A step of causing the computer to receive the medium identification information to which the expiration date information is not added and the charge price of the product sold by the seller from the apparatus for the seller by value-added communication means; A procedure for recording the medium identification information to which the expiration date information is not added as substitute information for the expiration date information; And a procedure for making a settlement based on the received medium identification information to which the expiration date information is not added, and transmission source information which is substitute information for the expiration date information.