WO2009118803A1 - Système de support de règlement électronique - Google Patents

Système de support de règlement électronique Download PDF

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Publication number
WO2009118803A1
WO2009118803A1 PCT/JP2008/055376 JP2008055376W WO2009118803A1 WO 2009118803 A1 WO2009118803 A1 WO 2009118803A1 JP 2008055376 W JP2008055376 W JP 2008055376W WO 2009118803 A1 WO2009118803 A1 WO 2009118803A1
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WO
WIPO (PCT)
Prior art keywords
electronic check
check paper
electronic
dedicated network
information
Prior art date
Application number
PCT/JP2008/055376
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English (en)
Japanese (ja)
Inventor
杉中順子
Original Assignee
緒方延泰
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 緒方延泰 filed Critical 緒方延泰
Priority to JP2010505054A priority Critical patent/JPWO2009118803A1/ja
Priority to PCT/JP2008/055376 priority patent/WO2009118803A1/fr
Publication of WO2009118803A1 publication Critical patent/WO2009118803A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G06Q20/0425—Payment circuits characterized in that the payment protocol involves at least one cheque the cheque being electronic only
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention is capable of connecting to the dedicated network on the condition that the member has authority to connect to a dedicated network provided along with the Internet.
  • the present invention relates to a technology for an information processor capable of transmitting and receiving information to and from the information processor, and a technology for supporting electronic payment using the information processor.
  • Patent Documents 1 and 2 propose a hot spot service providing facility that enables connection from a portable terminal to the Internet via a wireless LAN or the like. Since this hot spot service providing facility uses the Internet, there is a certain limit in terms of security.
  • Patent Document 3 proposes a network connection service providing apparatus that can selectively connect the Internet and another private network (dedicated network) provided alongside the Internet via a router.
  • This device makes it possible to set and register special access authority for a dedicated network. When an access request is received from a communication terminal having an address for which access authority is registered, this device can relay to the dedicated network. When an access request is received from a communication terminal having an unregistered address, switching control is performed so as to relay to the Internet. With this device, security for information transmitted and received on a dedicated network is improved. In particular, in a mode in which a server of a financial institution is connected on a dedicated network, electronic settlement with this financial institution server is possible under higher security than in a mode in which electronic payment is performed on the Internet.
  • Patent Document 3 discloses a basic configuration that enables electronic payment, but various methods can be considered for the electronic payment method, and these points are not described.
  • Patent Document 4 a check management organization apparatus is provided on a network, an electronic check is issued in response to a check issuance request including a face value from a user terminal, and in response to collection from a recipient terminal,
  • a system that instructs a financial institution to transfer electronic money from a user account to a recipient account.
  • a financial institution public key, certification authority public key, electronic signature, etc. are required, and the check management institution device instructs the financial institution to move electronic money.
  • the electronic check disclosed in Patent Document 4 is not related to the actual check form, and information is simply transmitted and received and managed.
  • Patent Document 5 proposes a system that requests a management station to issue a check including a face value via a mobile phone via the Internet, and causes the recipient to transfer money to the account via the mobile phone.
  • Patent Documents 4 and 5 a management institution or a management station creates an electronic check according to a request from a user, and since there is no user's own signature, various authentication processes are performed for security. It is necessary separately and becomes a large system.
  • JP 2003-218861 A Japanese Patent Application Laid-Open No. 2004-236064 International Publication 2006/066452 A1 JP-A-11-296603 JP 2003-233717 A
  • An object of the present invention is to provide an information processor, an information processor control program, an information processing method, and an electronic settlement support system that issue an electronic check paper that is difficult to tamper with by signing by the issuer itself. It is.
  • the information processing device of the present invention can be connected to the dedicated network on the condition that it is a member having authority to connect to a dedicated network provided along with the Internet, and management for membership management on the dedicated network
  • An information processor capable of transmitting and receiving information between the engine computer and other information processors, a display unit that displays an image, a touch panel that is superimposed on the display unit and detects external pressure, Display control means for reading out and displaying an electronic check paper that is an electronic check paper that is not filled in on the display unit, and the electronic on the display unit using a trace of pressing on the touch panel as a line image Line image superimposing means for superimposing and writing on a check paper, and a destination of a copy of the electronic check paper for transmitting the electronic check paper on which the line image is filled It is characterized in that a setting means for setting an address of the serial management authority computer.
  • the information processor owned by the member can be connected to the dedicated network and Information can be transmitted and received between the management organization computer for member management and other information processors.
  • the display control means reads out and displays an electronic check paper that is an electronic check paper that has not been filled in on the display unit, and the line image superimposing means displays a trace of pressing on the touch panel as a line image. Then, an entry is made by superimposing on the electronic check paper displayed on the display unit. Specifically, it is a handwritten amount and a signature.
  • the address of the management institution computer is set as a transmission destination of a copy (or for storage) of the electronic check paper for transmitting the electronic check paper on which the line image is filled by the setting means, and the issued electronic check
  • the form is stored on the administrative agency computer.
  • This electronic check paper is printed and used as it is, for example, directly by the information processor of the issuer (for example, directly handed to the recipient), or the information processor of the recipient who is a member via the management institution computer. And printed out at the transfer destination for use (cash at the corresponding financial institution). In this way, it is possible to issue an electronic check paper that is difficult to tamper with by signing by the issuer himself. In addition, the check is easily issued without having a check book.
  • the electronic payment support system is configured so that the information processor can set the address of a recipient who is a member who receives the electronic check paper in association with the electronic check paper to be issued.
  • the electronic check paper transmitted from the information processing device via the dedicated network is stored by the means, and the electronic check paper transmitted from the information processing device via the dedicated network by the transfer means of the management organization computer is stored.
  • the form is transmitted to the address of the information processor owned by the set member who is the recipient.
  • the transferred electronic check paper is printed out by the output means of the information processor owned by the set member who is the recipient.
  • the recipient can print out the electronic check paper with his information processor. Accordingly, the recipient can obtain the check paper when necessary, without having to go to the address of the issuer, and can be exchanged by bringing it to the corresponding financial institution.
  • FIG. 1 is an overall schematic configuration diagram of the Internet and a dedicated network system. It is a functional block diagram of the member terminal part which comprises the electronic payment assistance system which concerns on this invention. It is a functional block diagram of the server of a financial institution terminal part. It is a functional block diagram of a management organization computer.
  • FIGS. 5A and 5B show an example of a mode of an electronic check sheet displayed on the display unit. FIG. 5A shows an unfilled form, and FIG. 5B shows a filled-in form.
  • It is a flowchart of the electronic check creation process I which the control part 100 performs. It is a flowchart of the electronic check creation process II which the control part 100 performs.
  • 5 is a flowchart of an unfilled electronic check return process executed by a control unit 31. It is a flowchart of the transfer process to the recipient of the electronic check paper which the control part 31 performs. It is a flowchart of the transmission process for the collation in the financial institution of the electronic check paper which the control part 31
  • FIG. 1 is an overall schematic configuration diagram of the Internet and a dedicated network system.
  • the system shown in FIG. 1 includes a member terminal unit 1 disposed in a consumer, a store, a company, and the like, and a financial institution terminal unit 2 disposed in one or more financial institutions represented by banks.
  • Each of the terminal units 1 and 2 can be connected to a network via a provider (ISP) 4.
  • ISP provider
  • This system includes a dedicated network 6 separate from the Internet 5 and the Internet 5. Consumers, shops, companies and financial institutions that are members of the established organization are given the authority to connect to the dedicated network 6. Thus, the member can exchange information with other members via the dedicated network 6.
  • the provider ISP 4 is described separately for the Internet 5 and the dedicated network 6, but it may be a combined organization.
  • the terminal units 1 and 2 are only required to be connected to the dedicated network 6, and are not necessarily connected to the Internet 5.
  • the management organization computer 3 is connected to a dedicated network 6.
  • the management institution computer 3 is disposed in a management institution that performs overall exchange of information with the terminal units 1 and 2 and management and storage of information.
  • the management organization computer 3 may be installed in one of the provider ISPs 4.
  • electronic payment support does not issue a check (drawout) with paper itself, but creates it as an electronic check paper that is a (virtual) electronic form of check paper on the display screen by the issuer.
  • the created electronic check paper is printed out and delivered to the recipient, or transmitted to the recipient's terminal in the form of electronic check paper so that the recipient can print it out.
  • FIG. 5 shows an example of the form of the electronic check paper displayed on the display unit 13.
  • FIG. 5 (a) is an unfilled one and FIG. 5 (b) is a filled one.
  • the unfilled electronic check paper 700 the transaction financial institution of the member and the member (drawer, place of origin), which are predetermined fixed matters, are written.
  • 5B is printed out, it can be used as a so-called check that can be cashed on condition that the financial institution that is a member of the system is authenticated.
  • the electronic check form has a form approved by the member financial institution.
  • FIG. 2 is a functional block diagram of the member terminal unit 1 constituting the electronic settlement support system according to the present invention.
  • FIG. 3 is a functional block diagram of the server of the financial institution terminal unit.
  • FIG. 4 is a functional block diagram of the management institution computer.
  • a member terminal unit 1 includes a modem 10 (information processing unit) connected to a provider ISP 4 and a personal computer (hereinafter referred to as a personal computer terminal) 11 that can be connected to the modem 10 and has a monitor 11a composed of a liquid crystal screen or the like.
  • an input unit 12 including a mouse and a keyboard for inputting information and instructing information display to information processing.
  • the modem 10 has a rectangular housing having a predetermined shape, for example, a modulator and a demodulator for executing an original function, and an input / output wiring terminal at an appropriate surface.
  • the modulator modulates information generated by the personal computer terminal 11 and the modem 10 as will be described later into a signal form that can be transmitted by the networks 5 and 6, and the demodulator receives signals received from the networks 5 and 6.
  • the signal is demodulated into a signal form that can be processed by the modem 10 or the personal computer terminal 11.
  • the modem 10 includes a display unit 13 that displays an image, and a touch panel 14 that is stacked on the display unit 13, which includes a liquid crystal panel and a plasma display panel, at an appropriate position on the surface.
  • a touch panel 14 a known electric type, ultrasonic type, optical type, or the like using a pressure sensitive element can be adopted.
  • the storage unit 110 to be described later stores in advance the images displayed on the display unit 13 in association with the coordinates of their display positions and the pressing operation position of the touch panel 14. As a result, which of the images displayed on the display unit 13 is selected can be specified from the information of the pressed detection position.
  • the touch panel 14 continuously detects the pressed state, and can detect a locus (a trace) when the pressed position is continuously moved on the panel surface.
  • the date field of the electronic check paper is automatically input by the control unit 100 at the time of issuance using a built-in clock of the modem 10.
  • the printer 15 prints out an electronic check paper created on the screen of the display unit 13 by the touch panel 14 on a recording paper.
  • various known devices such as a thermal type, a toner type, and an ink jet type can be used.
  • the modem 10 includes a control unit 100 and a storage unit 110.
  • the control unit 100 includes a communication control unit 101, a transmission request processing unit 102, a display control unit 103, a line image drawing / superimposing processing unit 104, and an address setting unit 105.
  • the storage unit 110 includes a received document storage unit 111, an electronic check paper storage unit 112, a specific information storage unit 113, a management institution address storage unit 114, and a display image storage unit 115.
  • a processing program for causing the modem to perform various operations is stored in the ROM area portion (including an aspect of being installed from the outside).
  • the communication control unit 101 also executes processing as a control unit (not shown) of the router 121, and is created from the personal computer terminal 11 or by the touch panel 14 and the control unit 100 of the modem 10 and is a file (to be transmitted to the outside). Information) is distributed (routed) as a packet signal in a predetermined format to the Internet 5 or the dedicated network 6, and the packet signal received from the outside is guided to the modem 10 or a personal computer terminal 11 (a plurality of personal computer terminals 11 are provided). When the base is connected, routing for guiding to one of them) is performed.
  • the communication control unit 101 determines whether the address information indicating the transmission destination added to a predetermined position of each packet as a transmission or reception signal is a global IP address based on the Internet 5 protocol or a method of attaching a global IP address. Is a process for identifying a predetermined local IP address according to, for example, Ethernet (registered trademark) for the dedicated network 6, which is different from the global IP address (in a form that can be identified from the global IP address).
  • Ethernet registered trademark
  • the transmission request processing unit 102 displays the electronic check paper on the display unit 13 prior to issuing the electronic check paper.
  • An unfilled electronic check paper 700 shown in FIG. 5A may be individually stored in the electronic check paper storage unit 112 of each member terminal unit 1, or may be stored in the electronic check paper of the management institution computer 3.
  • a mode in which members are collectively stored in the unit 312 may be used.
  • the transmission request processing unit 102 requests the management institution computer 3 to issue an unfilled electronic check form in a mode in which the electronic check form is stored in the management institution computer 3.
  • the transmission request signal transmitted from the member terminal unit 1 to the management institution computer 3 is attached with specific information stored in the specific information storage unit 113 and a member ID for specifying the user himself / herself.
  • the local IP address of the management institution computer stored in 114 is set.
  • the specific information storage unit 113 includes a modem ID (identification information) set in the modem 10 and identification information of a fixed communication line (public telephone wiring) from the provider ISP to the modem 10 (or at least a place where the modem 10 is connected). Information (specific information) is stored.
  • the modem is removed from the original fixed communication line and connected to another fixed communication line, so that unauthorized use such as so-called “spoofing” or access for the purpose of data alteration can be surely prevented.
  • the specific information stored in the specific information storage unit 113 is basically attached to the signal transmitted from the modem 10 to the dedicated network 6.
  • the transmission request processing unit 102 simply reads out the electronic check paper stored in the electronic check paper storage unit 112. An instruction to guide the display unit 13 is performed.
  • the line image drawing / superimposing processing unit 104 detects a press mark (continuously detected) formed on the electronic check paper displayed on the display unit 13 by the display control unit 103 in response to a pressing operation on the touch panel 14. In which the coordinates of the pressed positions are connected) are superimposed and displayed in the display image as an image.
  • the display control unit 103 reads out a display of an electronic check paper, a guide image for guiding an operation when inputting a line image, and the like from the display image storage unit 115 and displays them.
  • an electronic check sheet is created, or a guide image for executing other required processing, that is, an image showing the processing content, a push button (to confirm execution of the selected processing), etc. Images are stored.
  • the display image storage unit 115 stores guidance for guiding an input operation to an unfilled electronic check sheet when the issue of an electronic check is selected. As a result, the face value and signature are entered smoothly on the unfilled electronic check paper 700 shown in FIG. 5A (see FIG. 5B).
  • Guidance can be, for example, “Please enter the amount in handwritten amount in the amount field” or the number buttons “0” to “9” are displayed in the appropriate place on the screen, and the amount is specified in the order of pressing. You may enter.
  • a guide sentence such as “Please sign by hand in the signature field” may be written.
  • the “Confirm” button and the “Return” button are indicated at appropriate positions on the screen, and when the corresponding button is specified, the input content is confirmed and the process of returning to the previous operation content is performed. ing.
  • Return processing once or up to a predetermined number of times can be dealt with by adopting a known technique of temporarily storing the operation contents a required number of times.
  • a touch pen for pressing input to the touch panel 14.
  • the input (amount) of numbers it is possible to use a known character recognition processing technique in which handwritten numbers are converted into numerical characters of JIS code or converted into Chinese numerals and entered.
  • the line image drawing / superimposing processing unit 104 displays the electronic check paper amount field 701, the signature field 702, and other areas displayed on the display unit 13 with the coordinate information of the above fields and the pressed position detection coordinates from the touch panel 14. It is possible to adopt a mode in which permission / denial processing is performed in which the input is not accepted except for the corresponding field. By doing so, it becomes possible to reduce input errors as much as possible.
  • the address setting unit 105 sets the address of the management institution computer 3 stored in the management institution address storage unit 114 for the created electronic check paper file. Further, when the recipient of the electronic check paper is a member of the present system, the address setting unit 105 attaches and sets the address of the member terminal unit 1 of the recipient. For example, when an electronic invoice, which is an invoice in electronic form, is sent from a member and is already stored in the received document storage unit 111, an electronic check sheet may be issued to the billing destination.
  • the address setting unit 105 displays the electronic bill stored in the received document storage unit 111 in a scrollable list at an appropriate position on the display unit 13, and selects the corresponding electronic bill so that the requester's member terminal
  • the address of section 1 is automatically transferred or attached to the file of the electronic check paper to be issued.
  • the management institution computer 3 can transfer the electronic check sheet to the address of the member terminal 1 of the claimant.
  • the financial institution terminal unit 2 includes a server 20.
  • the server 20 includes a control unit 200 and a storage unit 210.
  • the control unit 200 includes a verification unit 201 and a cashed signal creation unit 202.
  • the collating unit 201 determines whether the check paper brought in is authentic, and for that purpose, performs processing for requesting an introduction from the management institution computer 3. Is what you do.
  • the collation unit 201 accepts an input by a clerk at least necessary items for specifying the check paper among the contents described in the check paper brought in from the input unit 220 provided with a keyboard or the like, The input contents are transmitted as a verification request to the management institution computer 3 via the dedicated network 6.
  • the collation unit 201 causes the display unit 221 to display a corresponding electronic check paper file returned from the management institution computer 3 in response to the collation request.
  • the person in charge determines whether or not the brought-in check paper matches the image of the electronic check paper displayed on the display unit 221.
  • the collation unit 201 includes an unillustrated image reading device (image scanner), reads the check paper brought in by the image scanner, and reads the check paper as the read image and the electronic check returned from the management institution computer 3. It is also possible to automatically perform the authenticity determination process of the degree of coincidence by writing the image on the sheet together on the screen, more preferably by superimposing.
  • the cash-completed signal creation unit 202 determines that the check paper brought in is determined to be genuine, and when the cash-processing is completed by the settlement processing computer 2A or the like, or when a cash-processing instruction is issued, A signal indicating that the cash process at the institution has been completed is created. This exchanged signal is transmitted to the management institution computer 3 via the dedicated network 6.
  • the management institution computer 3 includes at least a control unit 30 and a storage unit 31.
  • the control unit 30 includes a communication control unit 301, a collation unit 302, and an information storage processing unit 303.
  • the storage unit 31 includes an electronic check paper storage unit 311, a member data storage unit 312, and a management ledger storage unit 313.
  • the communication control unit 301 is for transmitting and receiving information (files) between the terminal units 1 and 2.
  • the communication control unit 301 functions as a relay when the file of the electronic check paper is transmitted from the member terminal unit 1 and the address of the member terminal unit 1 of the recipient is attached.
  • the received electronic check paper is transferred to the address of the recipient.
  • the received electronic check paper is sequentially stored in the management ledger storage unit 313 for each member by the information storage processing unit 303 and stored for management and later verification.
  • the collation unit 302 determines whether or not the information file transmitted from the member terminal units 1 and 2 is from the proper terminal unit 1 and 2 by using the member ID and the specific information. In addition, when there is a verification request from the financial institution terminal unit 2, the verification unit 302 searches for an electronic check paper issued by the corresponding member from the contents included in the verification request. The retrieved electronic check paper file is returned by the communication control unit 301 to the financial institution terminal unit 2 that requested the collation.
  • the electronic check paper storage unit 311 stores (registers) an image of each member's blank electronic check paper for each member ID.
  • the member data storage unit 312 includes various member IDs, specific information (modem ID and fixed communication line identification information), name (name) of each member, address, account number of the financial institution that deals with the member, and the like. Information is stored (registered).
  • the management ledger storage unit 313 is information transmitted / received to / from each member terminal unit 1 and information transmitted / received to / from the financial institution terminal unit 2 for each member. Everything is remembered. The contents of the management ledger storage unit 313 are sequentially stored in the ledger of the corresponding member through the member identification process every time information is received by the information storage processing unit 303.
  • FIG. 6 is a flowchart of the electronic check creation process I executed by the control unit 100.
  • the electronic check creation process I is a case where the electronic check paper is received from the management institution computer 3 using its own member terminal unit 1 and the created electronic check paper is printed out.
  • step S1 the presence / absence of a transmission request is determined (step S1). If there is no transmission request, the process is passed through. If there is a transmission request, a transmission request signal is generated and transmitted to the management institution computer 3 (step S1). S3).
  • step S5 In response to the transmission of the transmission request signal, it waits until the file of its own electronic check paper is received (step S5).
  • the file of its own electronic check paper When the file of its own electronic check paper is received, the received electronic check paper is received. Is displayed as an image on the screen of the display unit 13 (step S7).
  • step S7 On the display screen, an input operation to the predetermined fields 701 and 702 is accepted by the touch panel 14, and an input process is executed (step S9).
  • step S11 it is determined whether or not a confirmation process for the input content has been accepted (step S11). If unconfirmed, the process returns to step S7, and if confirmed, the process stands by until a print instruction is issued (step S11). S13).
  • the printer 15 is instructed to print out the created electronic check paper, and the created electronic check paper is transmitted as a file to the management institution computer 3 (step S15).
  • the presence / absence of confirmation and the presence / absence of print instruction may be integrated. Further, it is also possible to perform a printout process after receiving a return signal and confirming that the created electronic check sheet has been received by the management institution computer 3. This ensures that the check paper to be printed out is stored in the management institution computer 3.
  • FIG. 6 is also applicable to the case where the electronic check paper is transferred from the management institution computer 3 using the other member terminal unit 1 and the created electronic check paper is printed out.
  • a member purchases at a store that is also a member, receives a check using the member terminal unit 1 of the store, and pays with the issued check.
  • a step of further inputting the member ID of the member who is a consumer (referred to as a used member ID) in addition to the member ID and specific information of the member terminal unit 1 of the store is added to the transmission request. Good.
  • the management institution computer 3 determines whether or not the use member ID is included in a predetermined position in addition to the member ID and specific information of the member terminal unit 1 in the packet constituting the received file. If not, the case of FIG. 6 is determined. On the other hand, if it is included, it is determined that the request is issued from the member terminal unit 1 different from the member terminal unit 1 of the member. When the management institution computer 3 determines that the use member ID is included, the management institution computer 3 selects the electronic check form of the use member ID and returns it to the member terminal unit 1 (the store) that is the transmission source. .
  • the user add a step of further inputting a password (password) in addition to the member ID.
  • the management institution computer 3 can increase the accuracy of identity verification by comparing the transmitted user member ID and password with the user member ID and password stored in advance in the member data.
  • the input unit for example, when a personal card in which a member ID is uniformly stored is distributed to the members, it is sufficient that the member terminal unit 1 is provided with a card reader.
  • various known operation input devices can be employed in addition to a form using an input guide image to the display unit 13 and an input operation using the touch panel 14.
  • FIG. 7 is a flowchart of the electronic check creation process II executed by the control unit 100.
  • FIG. 7 shows a case where the electronic check paper is received from the management institution computer 3 using its own member terminal unit 1, and the created electronic check paper is transmitted to the recipient via the management institution computer 3.
  • the print instruction is not issued, and as a result, two copies of the electronic check paper are generated unnecessarily. To prevent that.
  • step S21 the presence / absence of a transmission request is determined (step S21). If there is no transmission request, the process is passed through. If there is a transmission request, a transmission request signal is created and transmitted to the management institution computer 3 (step S21). S23).
  • step S25 the system waits until a file of its own unfilled electronic check paper is received.
  • the received electronic check paper is displayed as an image on the screen of the display unit 13 (step S27). With respect to this display screen, an input operation to a predetermined area is accepted by the touch panel 14, and an input process is executed (step S29).
  • the address of the recipient is automatically set by being selected from the claimant list of the already received electronic invoice (step S31).
  • step S33 it is determined whether or not a confirmation process for the input content has been accepted (step S33). If unconfirmed, the process returns to step S27. If confirmed, the process is on standby until a transmission instruction is issued (step S33). S35). If there is a transmission instruction, the created electronic check paper is transmitted to the management institution computer 3 by the communication control unit 101 (step S37). In the above, the presence / absence of confirmation and the presence / absence of transmission instruction may be integrated. The recipient's address may be automatically set between step 27 and step S33.
  • FIG. 6 and FIG. 7 demonstrated the case where the electronic check paper was stored in the management computer 3, in the aspect in which the electronic check paper is stored in the member terminal part 1 of each member, transmission of step S1, S21 is carried out. Instead of the presence / absence of a request, the presence / absence of a read instruction to the own device may be simply set.
  • the display control unit 103 may guide the read electronic check paper to the display unit 13 for display instead of steps S3 to S5 and steps S23 to S25.
  • FIG. 8 is a flowchart of an unfilled electronic check return process executed by the control unit 31.
  • the presence / absence of reception of a transmission request signal from the member terminal unit 1 is determined (step S41). If there is no reception, the transmission is passed through. If there is reception, the verification process is executed (step S43). ). The verification process is performed for the member ID, the member password, the specific information of the member terminal unit 1, and the presence / absence of the address of the member terminal unit 1 of the recipient. If the collation result is not proper, the process is passed through as it is, and if the collation result is proper (step S45), the electronic check form not filled in by the member is transmitted to the requesting member terminal unit 1 (step S47).
  • FIG. 9 is a flowchart of the transfer process to the recipient of the electronic check paper executed by the control unit 31.
  • step S51 when an electronic check form is received from the member terminal unit 1 together with information about the member (step S51), it is determined whether or not the address of the recipient's member terminal unit 1 is included in the received information (step S51). Step S53). If there is no address of the recipient's member terminal unit 1 in the received information, the electronic check paper is stored in the management ledger storage unit 313 in association with the corresponding member (step S57).
  • the received electronic check paper is transferred to the address of the recipient's member terminal unit 1 (step S55), and the electronic check paper is It is stored in the management ledger storage unit 313 in association with the corresponding member (step S57).
  • FIG. 10 is a flowchart of a transmission process for collation at the financial institution of the electronic check paper executed by the control unit 31.
  • the presence / absence of a collation request from the financial institution terminal unit 2 is determined (step S61). If there is no collation request, the process passes as it is, and if there is a collation request, the member to be collated is obtained from information included in the collation request. Is extracted from the management ledger storage unit 313 (step S63).
  • it is determined whether or not a collated flag is set on the extracted issued electronic check paper (step S65). The verification flag is used to limit the cash exchange from the second and subsequent electronic check sheets that are illegally copied by making a single verification request for one issued electronic check sheet.
  • step S67 the extracted issued electronic check paper is transmitted to the financial institution terminal unit 2 that requested the collation.
  • the issued electronic check paper is stored in the issued electronic check paper in the management ledger storage unit 313.
  • a collated flag is set (step S69).
  • step S65 a signal (warning) indicating that the electronic check paper has been verified is transmitted to the financial institution terminal 2 that is the verification request source (step S71).
  • the financial institution itself checks the electronic check paper printed on the receipt that was brought to the financial institution for the purpose of cashing.
  • the printed electronic check paper printed Is read by the image scanner (imaging device), the read image is sent to the management organization computer 3, and the management organization computer 3 side stores the management ledger storage unit 313 and collates the image with the corresponding electronic check paper. It is good also as an aspect which performs a check.
  • the present invention has been described as a preferred embodiment of the information processor that also serves as a modem housing.
  • the present invention is not limited to this, and the information processor may also be used as a router housing.
  • it may be a device having an independent housing.
  • the present invention can be connected to the dedicated network on the condition that the member has authority to connect to the dedicated network provided along with the Internet, and management for membership management on the dedicated network
  • An information processor capable of transmitting and receiving information between the engine computer and other information processors, a display unit that displays an image, a touch panel that is superimposed on the display unit and detects external pressure, Display control means for reading out and displaying an electronic check paper that is an electronic check paper that is not filled in on the display unit, and the electronic on the display unit using a trace of pressing on the touch panel as a line image Line image superimposing means for superimposing and writing on a check paper, and a destination of a copy of the electronic check paper for transmitting the electronic check paper on which the line image is filled It is characterized in that a setting means for setting an address of the management authority computer.
  • the information processing apparatus includes a storage unit that stores an electronic check sheet that is an electronic check sheet, and the display control unit reads out and displays an unfilled electronic check sheet from the storage unit on the display unit. It is preferable that According to this configuration, when creating an electronic check, it is not necessary to issue a transmission request for an unfilled electronic check form to the management institution computer, and the access burden is reduced accordingly.
  • the information processing apparatus further comprises transmission request processing means for requesting transmission of an electronic check sheet via the dedicated network with a member ID attached to a management institution computer, wherein the display control means responds to the transmission request.
  • the display control means responds to the transmission request.
  • the electronic check paper is read and displayed on the display unit.
  • the member ID it is possible to make a transmission request using another member's information processor in addition to the transmission request from the person's information processor.
  • the customer's electronic check form is created from the information processor of this store (by entering the signature and price) It becomes possible to do.
  • the created electronic check paper can be printed out. Payment is completed by handing the printed check paper to the store.
  • the created electronic check may be sent to the management institution computer with the address of the store as the recipient.
  • the setting means sets an address of an information processing device owned by a member who is a recipient on an electronic check sheet on which the line image is filled. According to this configuration, it is possible to transmit to the recipient who is the recipient of the electronic check to be issued in the form of the electronic check paper, and no handing work is required.
  • the information processing apparatus includes an output unit that prints out an electronic check paper on which a line image is written.
  • the information processing device is the issuer
  • the issued electronic check paper is printed out
  • the recipient This makes it possible to print out electronic check paper.
  • the dedicated network on the condition that it is a member having the authority to connect to the dedicated network provided along with the Internet, and the management organization computer for membership management and other information on the dedicated network
  • An information processing method for an information processing device capable of transmitting and receiving information to and from a processing device wherein the display control means is an electronic check paper that is an electronic check paper that is not filled in on the display unit.
  • the line image superimposing means is superimposed on the display unit, and the trace of the pressure applied to the touch panel that detects external pressure is superimposed on the electronic check paper on the display unit and entered as a line image.
  • the management institution computer as a transmission destination of a copy of the electronic check paper that the setting means transmits in response to the output of the electronic check paper filled with the line image It is characterized in that so as to set the address.
  • a setting unit for setting a so that they appear to the information processor As a setting unit for setting a so that they appear to the information processor.
  • a transmission request processing means for requesting transmission of electronic check paper via the dedicated network with a member ID attached to the management organization computer, and the display control means in response to the transmission request
  • An information processor for receiving the electronic check paper of the member transmitted from one of the management organization computer and the information processing device of the member having the member ID, and displaying the electronic check paper on a display unit, and a dedicated network
  • An electronic payment support system comprising a computer of a management organization connected to the storage device, wherein the management organization computer receives a transmission request from the storage means for storing each member's electronic check paper and the information processor, From the member ID attached to the transmission request, the member's electronic check paper is returned to the information processor that requested the transmission. It is characterized in that it comprises a return means for.
  • the transmitted unfilled electronic check form is read from the storage means of the management institution computer, is returned to the address of the information processor that requested the transmission, and is displayed on the display unit. Therefore, an electronic check paper is created by entering the amount and signature via the touch panel, and the electronic check is transmitted to the management institution computer and stored. Accordingly, each information processing device does not require a storage unit for storing each person's blank electronic check paper.
  • An electronic payment support system comprising an information processing unit capable of setting an address of a recipient who is a member who receives the electronic check paper in association with an electronic check paper to be issued, and a computer of a management organization connected to a dedicated network.
  • the management institution computer stores storage means for storing an electronic check sheet transmitted from the information processing device via the dedicated network, and an electronic device transmitted from the information processing device via the dedicated network.
  • an output means for printing out the electronic check paper According to this configuration, the recipient can print out the electronic check paper with his / her information processor. Therefore, the recipient can obtain the check paper when necessary without having to go to the billing party, and it can be cashed by bringing it to the corresponding financial institution.
  • the present invention reads an unfilled electronic check form from a storage unit for storage, displays it on a display surface, and creates a check form in an electronic form by hand-filling an amount field and a signature field via a touch panel ( publish.
  • a signature By issuing a signature by the issuer himself / herself, it becomes possible to issue an electronic check paper that is difficult to tamper with data. Also, there is no need to keep a check book.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un système de support de règlement électronique, émettant un papier à chèque électronique où des données sont difficiles à falsifier par signature. Un processeur d’informations (10) peut être connecté à un réseau privé (6) établi avec Internet (5) et transmet et reçoit des informations entre un ordinateur d’une agence gouvernementale et l’autre processeur d’informations sur le réseau privé (6). Une partie de commande d’afficheur (103) affiche du papier à chèque électronique vierge sur une partie d’afficheur (13). Un moyen de chevauchement d’image linéaire (104) établit une trace de dépression sur un panneau tactile (14), une quantité et une signature par écriture manuelle, par exemple, pour que ce soit une image linéaire, qui soit chevauchée par un papier à chèque électronique. Du papier à chèque électronique complété est imprimé et est directement transféré vers un destinataire, ou est transféré vers le processeur d’informations du destinataire et imprimé. Une copie du papier à chèque électronique est envoyée à l’ordinateur de l’agence gouvernementale et est conservée.
PCT/JP2008/055376 2008-03-24 2008-03-24 Système de support de règlement électronique WO2009118803A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
JP2010505054A JPWO2009118803A1 (ja) 2008-03-24 2008-03-24 情報処理器、情報処理器制御用プログラム、情報処理方法、及び電子決済支援システム
PCT/JP2008/055376 WO2009118803A1 (fr) 2008-03-24 2008-03-24 Système de support de règlement électronique

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PCT/JP2008/055376 WO2009118803A1 (fr) 2008-03-24 2008-03-24 Système de support de règlement électronique

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