JP2001216442A - Arbitrary account vending system for financial institution or the like in electronic commerce or the like - Google Patents

Abstract

PROBLEM TO BE SOLVED: To suppress a loss on the side of a customer within a fixed amount and to simplify contract operation when an unexpected accident occurs in security with an electronic settlement using the fixed amount arbitrary account of a financial institution for vending a large number of unspecified customers in electronic commerce. SOLUTION: This system is composed of a financial account, to which an arbitrary number and a fixed amount are set, vent by the financial institution and an electronic storage medium to become a concrete article. On the side of an ordering person, an electronic storage medium reader/writer attached to a computer is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology for performing electronic payment in a commercial transaction using the Internet, personal computer communication, or other communication.

[0002]

2. Description of the Related Art A conventional general electronic payment method uses a credit card or a bank card called a debit card, which is a mainstream method, and is performed by inputting a card number. The risk of unauthorized leakage is high, and counterfeit cards are rampant, impeding the expansion of e-commerce.

[0003]

The improper outflow of card numbers as described above puts the financial account of the orderer at risk of suffering huge losses within the deposit amount and the borrowing line set by the financial institution. Payment security is a serious issue in e-commerce. In particular, protecting the orderer, which is a consumer, has a great effect on market expansion.

[0004]

When an existing card number is inputted in electronic commerce, illegal leakage of the card number cannot be completely prevented. The present invention is intended to suppress the damage to the orderer within a certain limit from such a viewpoint. By purchasing and using a dedicated arbitrary account separately from a conventional personal account when conducting electronic commerce, it is possible to suppress damages within a specified amount of the account when trouble occurs.

[0005] In addition, by using an electronic storage medium such as a prepaid card, an IC card, or a smart media as a specific product having an account as a product, updating only the balance eliminates troublesome operations such as inputting a number. In addition, security in commercial transactions other than theft of electronic storage media can be assured. Furthermore, the form of account sales eliminates the trouble of opening an account.

[0006]

An embodiment of the present invention will be described in detail with reference to the drawings. The embodiment is merely one form of electronic settlement using the present invention.

FIG. 1 is a diagram showing the relationship between the settlement financial institution, the order receiving party, and the ordering party. Each financial institution that makes electronic payments prepares a fixed-rate account that is set arbitrarily, such as 10,000 yen, 50,000 yen, or 100,000 yen. Sales media such as prepaid cards and smart media are sold as specific products at counters, convenience stores, and vending machines with automatic teller machines. Only the account number and the set amount are read into the storage medium.

[0008] The purchaser installs an electronic storage medium reader / writer such as a card reader in his / her computer. After the transaction contract, debit the account and write the new account balance to the storage medium and update. When the balance becomes zero, the payment function of the storage medium is automatically deleted.

[0009]

According to the electronic commerce, there are many problems in terms of card payment security. They are all artificial, such as fraud and illegal exploitation of card numbers. It is an aim of the present invention to minimize the damage once it is involved in a crime. In addition, by using an electronic storage medium as an additional function, there is an effect that complicated operations such as inputting a number can be omitted.

[Brief description of the drawings]

 Column name, no content (Official authority)

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[Procedure amendment]

[Submission date] March 30, 2001 (2001.3.3)
0)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Brief description of drawings

[Correction method] Change

[Correction contents]

[Brief description of the drawings]

FIG. 1 is a correlation diagram between a settlement financial institution, an e-commerce orderer, and an e-commerce contractor.

Claims (2)

[Claims] Claims: 1. A settlement financial institution determines an account number only for a financial account in which a fixed amount is set in advance and arbitrarily sells as an unspecified number of products on an electronic storage medium capable of reading and writing data. Settle e-commerce and other transactions within the specified amount. 2. A reading and writing machine for an electronic storage medium is installed in a computer of an orderer as a tool for electronic settlement. At the time of electronic commerce, etc., an electronic storage medium is loaded and payment is made from the same account. The balance is updated to the electronic storage medium each time. When the balance reaches zero, the payment function of the account is automatically terminated.