JP2002366866A - On-line settlement system and its method, virtual account managing device, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve safety of on-line settlement. SOLUTION: A condition input homepage 410 is accessed from an Internet terminal 500 first and settlement conditions are set in a condition setting table 620 on the condition input homepage 410 to make settlement preparations. When on-line settlement is carried out, a settlement decision processing part 610 decides effectiveness of the on-line settlement by referring the settlement conditions set in the condition setting table 620 and performs gateway processing for connecting a settlement center 200 and an account managing host 300 only when deciding the on-line settlement is effective.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an online payment system and method, a virtual account management device, and a program therefor.

[0002]

2. Description of the Related Art A conventional online payment system will be described with reference to FIG.

[0003] As shown in FIG.
00, a settlement center 200, and an account management host 300, which are connected online.

[0004] The settlement terminal 100 is an online terminal such as a debit terminal installed in a store or the like.
0 and is connected to the account management host 300.

[0005] The settlement center 200 includes a plurality of settlement terminals 10.
Communication is performed with the account management host 300 by bundling 0s.

[0006] The account management host 300 is an accounting host or the like of a financial institution such as a bank, and generally manages account names and balances of the deposit account 310 and the like, and executes / manages settlement transactions. This deposit account 310 generally also serves as a settlement account for online settlement.

[0007] The depositor who executes the online payment is a deposit account 310 managed by the account management host 300.
And have a payment card such as a David card to be read by the payment terminal 100.

[0008] For example, when the depositor performs online payment when purchasing a product at a store or the like, the depositor reads the payment card on the payment terminal 100 to input card data, and furthermore, inputs the card data. Enter the PIN by manual operation.

[0009] The card data and the password input to the settlement terminal 100 are transmitted to the account management host 300 via the settlement center 200, and the consistency between the two is checked.
If confirmed at 00, the payment amount is settled online in the corresponding deposit account 310 of the account management host 300.

[0010]

However, the above-mentioned conventional online payment system has the following problems.

[0011] The problem is that since the deposit account also serves as the settlement account, the settlement card is obtained by another person due to theft or loss, and the other person impersonates the depositor and misuses the amount of the deposit account. Guarding against impersonation crimes is very difficult because there is no other means than guarding with a personal identification number.

Further, assuming that the depositor inputs a personal identification number to a settlement terminal at an open place such as a store, leakage of the input personal identification number due to prying eyes can be considered.

An object of the present invention is to provide an online payment system and method, a virtual account management device, and a program that can further improve the security against the above-mentioned impersonation crime.

[0014]

In order to achieve the above object, the present invention provides an account management device for managing a plurality of depositors' deposit accounts, and executes online settlement in the deposit accounts according to the instructions of the depositors. An online payment system having a payment terminal that performs a payment and a virtual account management device disposed between the payment terminal and the account management device, wherein the virtual account management device is input by the depositor. A condition setting table in which settlement conditions at the time of online settlement are set, and the validity of online settlement is determined based on the settlement conditions set in the condition setting table, and only when it is determined that there is validity, A settlement determination processing unit that performs a gateway process for connecting the settlement terminal and the account management device online;

[0015] Further, a homepage connected to the virtual account management device and a communication network for allowing the depositor accessed from the communication network to input the settlement conditions is established on the communication network, and is input to the homepage. A condition input server for inputting the settled settlement conditions to the condition setting table.

Further, the condition input server opens the homepage different for each of the plurality of depositors on the communication network.

[0017] Further, the payment terminal may input a payment terminal password different from the account password of the deposit account together with the card data of the payment card at the time of online payment by the depositor, and the condition setting table may store the payment condition. The payment terminal PIN is set by the depositor, and the payment determination processing unit determines that the online payment is valid when the payment terminal PIN input to the payment terminal is not set in the condition setting table. It is determined that there is no sex.

In the condition setting table, the depositor sets, as the settlement condition, valid setting conditions including at least one of the conditions of the number of valid times of online settlement, a valid time, and a valid date. When the validity setting condition set in the condition setting table is not satisfied, the determination processing unit determines that online payment is not valid.

An account management device for managing the deposit accounts of a plurality of depositors, a settlement terminal for executing online settlement with the deposit account in accordance with the instructions of the depositor, and a settlement terminal for the settlement terminal and the account management device. An online payment method using a virtual account management device interposed between the virtual account management device and the virtual account management device based on the payment condition. Determining the validity of the online payment by performing a gateway process for connecting the payment terminal and the account management device online only when the virtual account management device determines that the online payment is valid; The terminal executes online payment with the deposit account.

Further, an account management device for managing the deposit accounts of a plurality of depositors, a settlement terminal for executing online settlement with the deposit account according to instructions of the depositor, and a settlement terminal for the settlement terminal and the account management device. An online payment method using a virtual account management device disposed between the virtual account management device and a condition input server connected to the virtual account management device and a communication network, wherein the condition input server provides the depositor with online payment. A homepage for inputting payment conditions is established on the communication network, and the depositor who accesses the homepage from the communication network inputs the payment conditions on the homepage, and is input to the homepage by the depositor. By transmitting the payment condition from the condition input server to the virtual account management device, Setting the payment condition in the account management device, the virtual account management device determines the validity of online payment based on the payment condition, and when the virtual account management device determines that the online payment is valid, Only a gateway process for connecting the settlement terminal and the account management device online is performed, and the settlement terminal executes online settlement in the deposit account.

[0021] Further, the condition input server opens the homepage different for each of the plurality of depositors on the communication network.

The depositor sets a payment terminal PIN different from the account PIN of the deposit account in the virtual account management device as the payment condition, and at the time of online payment, sets the payment terminal together with the card data of the payment card. A password is input to the payment terminal by the depositor, and the virtual account management device validates online payment if the payment terminal password input to the payment terminal is not set in the virtual account management device. It is determined that there is no sex.

[0023] The settlement condition may be any one of the conditions of the number of effective times, effective time and effective date of online settlement.
The validity setting condition including one or more is set in the virtual account management device by the depositor, and when the virtual account management device does not satisfy the validity setting condition, it is determined that the online payment is not valid. And

[0024] Further, there is provided a virtual account management device arranged between an account management device for managing the deposit accounts of a plurality of depositors and a settlement terminal for executing online settlement in the deposit account according to the instructions of the depositors. Determining the validity of the online payment based on the condition setting table in which the payment conditions at the time of online payment input by the depositor are set, and the payment condition set in the condition setting table; It is characterized by having a payment determination processing unit that performs a gateway process for connecting the payment terminal and the account management device online only when it is determined that there is a payment terminal.

[0025] Further, in order for a computer arranged between an account management device for managing deposit accounts of a plurality of depositors and a settlement terminal for executing online settlement with the deposit account in accordance with instructions of the depositor to execute the same. A process of setting a payment condition at the time of online payment input by the depositor, a process of determining the validity of online payment based on the payment condition, and that the online payment is valid. Only when it is determined, the computer is caused to execute a gateway process for connecting the settlement terminal and the account management device online.

(Operation) In the present invention configured as described above, the depositor sets the payment conditions at the time of online payment in the condition setting table, and determines that the online payment is effective based on the payment conditions. Only when it is determined, the payment determination processing unit performs a gateway process for connecting the payment terminal and the account management device online.

Thus, only when the depositor himself satisfies the settlement condition set in the condition setting table, the settlement terminal can access the deposit account of the account management device, that is, can perform online settlement. It is possible to improve the security level.

[0028]

Embodiments of the present invention will be described below with reference to the drawings.

Referring to FIG. 1, there is shown a block diagram as an embodiment of the online payment system of the present invention.

As shown in FIG. 1, the present embodiment is similar to the online payment system shown in FIG.
, A settlement center 200, and an account management host 300, and, unlike the online settlement system shown in FIG. 4, a virtual account management host 600 and a settlement condition input server 400. You are online.

The settlement terminal 100 is an online terminal such as a debit terminal installed in a store or the like.
0 and connected to the virtual account management host 600,
Account management host 300 via virtual account management host 600
Also connected.

The settlement center 200 includes a plurality of settlement terminals 10
0 is bundled to perform communication with the virtual account management host 600.

The account management host 300 is an accounting host or the like of a financial institution such as a bank, and manages the name and balance of a deposit account 310 and the like of a depositor, and executes / manages a settlement transaction.

The condition input server 400 establishes a condition input homepage 410 as an access point from the Internet terminal 500 on the Internet, and accesses the condition setting table 620 from each Internet terminal 500 through the condition input homepage 410 ( Input / reference).

The virtual account management host 600 is a computer that performs a specific process in accordance with an instruction of a control program stored therein. The virtual account management host 600 includes a condition setting table 620 for setting settlement conditions for online settlement, and a condition setting table 620. While referring to 620 to determine the validity of the payment,
A payment determination processing unit 610 that performs a gateway process for connecting the payment center 200 and the account management host 300 is provided.

The settlement conditions at the time of online settlement include the acceptability of settlement, the upper limit of settlement amount, the password for store settlement (password for settlement terminal), the validity setting condition (valid number of times /
Valid time / valid date), which will be described in detail later.

The settlement center 200, the account management host 300, and the settlement condition input server 400 also have control programs stored therein, and the Internet terminal 500 that performs the above-described processing according to the instructions of the programs. Is a terminal provided with a Wed access display function for accessing the settlement condition input server 400 via the Internet 700 and an input / output function for selecting and inputting data. For example, a personal computer, a mobile phone, a dedicated terminal,
A set-top box, mobile terminal, digital TV, or the like can be used.

The depositor who executes the online settlement is required to have a deposit account 310 managed by the account management host 300.
And have a payment card such as a David card to be read by the payment terminal 100.

The configuration of this embodiment has been described above. The settlement center 200 and the account management host 300 shown in FIG.
Is well known to those skilled in the art and is not an essential part of the present invention, so that a detailed description of its configuration is omitted.

Hereinafter, an online payment method using the online payment system configured as described above will be described with reference to FIG.

First, preparation for settlement is performed.

First, an access password to the condition input homepage 410 on the condition input server 400 is input from the Internet terminal 500, and the condition input homepage 4
10 is accessed (step S201).

Subsequently, in accordance with the instruction on the condition input homepage 410, the condition setting table 620 on the virtual account management host 600 is accessed, and the acceptability of the settlement, the settlement amount upper limit value, the store settlement password, and the valid setting condition ( The settlement conditions are set in the condition setting table 620 by inputting all or a part of the settlement conditions such as the number of effective times / effective time / effective date (step S202).

In step S202, when the condition setting table 620 is accessed, the settlement condition is already set in the condition setting table 620. If the settlement condition is not changed, the settlement condition is set again. You don't need to.

The acceptability of payment is an item for executing or stopping online payment. For example, if "no" is set for a specific online payment, the entire specific online payment can be stopped.

The upper limit of the settlement amount is determined by the account management host 300
Can be freely set / changed within a range not exceeding a predetermined upper limit.

The store payment password is a password input to the payment terminal 100 when executing online payment at a store or the like where the payment terminal 100 is installed.
It is preferable to set a different password from the account PIN in order to prevent damage caused by the prying eyes of the PIN (hereinafter, referred to as an "account PIN").

It is desirable that the password for store settlement be set together with the validity setting conditions (valid count / valid time / valid date). This is to prevent online payment from being executed due to the valid setting conditions even if the password for store payment is stolen during the input of the password for store payment to the payment terminal 100 in an open place such as a store. This is because a guard can be applied.

Also, whether the settlement can be accepted, the settlement amount upper limit value,
Store payment PIN and its valid setting condition (valid number /
Various combinations of (valid time / valid date, etc.) make it possible to set payment conditions more precisely.

For example, in the case of small-lot payment of less than 10,000 yen,
The password for store payment is A, and the valid setting condition is always available 24 hours. In the case of payment of 10,000 yen or more and less than 100,000 yen, the password for store payment is B and the valid setting condition is 1 day per day.
Payments and payments only during the time period from 10 am to 8 pm. In the case of payments of 100,000 yen or more,
It is also possible to set the password for store payment to C and enter the valid setting conditions (payment condition input) only once per payment.

Also, in order to further improve the security level in online payment, a method of inputting a dedicated password when inputting payment conditions, a method of changing the type of password for each item of payment conditions, and the like may be used. Can be In particular, it is desirable that the setting of the store settlement password be performed under stricter security management.

Further, assuming that a single depositor uses a plurality of Internet terminals 500 such as a mobile phone and a personal computer, the type of items that can be input is changed / limited according to the type of the Internet terminal 500. It is also possible to set.

For example, at the time of access from a personal computer, all items can be entered, the personal identification number for store settlement and the details of the validity setting conditions are entered in advance, and the condition of the entire settlement is set to "No". In addition, at the time of access from a mobile phone, it is necessary to be able to set only all or a part of the permission / non-permission conditions of the payment, and set the permission / rejection condition of the corresponding payment by the mobile phone immediately before actually performing the payment. It is also possible to use

Thus, the preparation for settlement is completed.

Subsequently, online payment is executed.

First, the depositor inputs the card data by causing the payment terminal 100 installed in the store or the like to read the payment card, as in the case of the normal online payment of a debit card or the like. A personal identification number for store payment is input to 100 by manual operation or the like (step S203). The card data and the password for store payment are transmitted to the virtual account management host 600 via the payment center 200.

At this time, the payment determination processing unit 610 in the virtual account management host 600 determines the validity of the online payment by referring to the payment conditions set in the condition setting table 620 (step S204).

More specifically, whether the password for store payment transmitted from the payment terminal 100 matches the password for store payment in the condition setting table 620, whether the condition setting table 6
The validity of online settlement is determined by using whether or not 20 valid setting conditions (valid count / valid time / valid date) are satisfied.

Here, when the settlement determination processing unit 610 determines that the online payment is not valid, the payment determination processing unit 610 invalidates the online payment and ends the processing. On the other hand, when it determines that the online payment is valid, the payment center 200 and account management host 3
A gateway process for connecting to 00 is performed (step S205).

Further, the payment determination processing unit 610 converts the store payment password transmitted from the payment terminal 100 into the original account password, and converts the account password into the payment terminal 1.
Notification is sent to the account management host 300 together with the card data transmitted from 00 (step S206).

In step S206, the consistency between the store settlement PIN and the card data is checked without converting the store settlement PIN into the original account PIN.
Notification of only the result to the account management host 300 may be considered.

The method by which the settlement judging unit 610 obtains the account PIN is as follows: a method in which the account management host 300 notifies the account PIN, or a condition in which the depositor receives the A method in which an account password is set in the setting table 620 in advance can be considered.

Thereafter, when the settlement determination processing unit 610 or the account management host 300 confirms the consistency between the personal identification number and the card data, the payment amount is settled online in the corresponding deposit account 310 of the account management host 300 ( Step S207).

In this embodiment, the settlement terminal is set in the condition setting table 620 by accessing the condition input homepage 410 from the Internet terminal 500 via the Internet 700, but the present invention is not limited to this. Instead, for example, the depositor can directly set the settlement conditions in the condition setting table 620 using a touch phone or the like.

The items listed as the settlement conditions are not necessarily all required items. However, if the settlement conditions are set in more detailed items, it becomes more difficult for a person who does not know the settlement conditions to impersonate a crime. The security level is improved.

In addition, regarding the security at the time of accessing the condition input homepage 410, not only adopting a secure procedure such as an access password, but also discriminating the access address itself for each depositor and creating a personal homepage, Additional services can be realized, such as improving security and providing personal information.

Referring to FIG. 3, as an example of the online payment system shown in FIG. 1, an application example to a debit card payment is shown.

In FIG. 3, the debit terminal 110 is a specific example of the settlement terminal 100, the bank host 310 is a specific example of the account management host 300, and the bank web server 40
Reference numeral 1 denotes a specific example of the condition input server 400,
01 and the personal computer 502 are specific examples of the Internet terminal 500.

The mobile phone 501 is provided with an i-mode or EZacs
It has an Internet access function such as ess.

The bank Web server 401 is a home banking server or the like. If the home page on the server is used to call the condition input home page 410, the operability of the depositor is further improved.

[0071]

As described above, in the present invention,
The following effects are obtained.

The first effect is that the depositor himself can set the settlement conditions in real time, so that the security level in online settlement can be set according to the needs of the depositor, thereby improving the service for the depositor and making online settlement. And the improvement of the security level at the same time.

More specifically, by setting a payment terminal PIN different from the account PIN of the deposit account as a payment condition, the payment card is lost or stolen, another person obtains it, and the account PIN is specified. In this case, the payment terminal security code can be used to protect the online payment from being executed. In addition, the payment setting includes at least one of the number of valid times, the valid time, and the valid date of the online payment. By setting the conditions, even if the password is stolen, the guard can be set so that the online payment is not executed by the valid setting conditions.

The second effect is that the virtual account management device performs a gateway process for connecting the settlement terminal and the account management device, thereby minimizing changes in the configuration and processing contents of the existing account management device and the like. That can be suppressed.

The third effect is that if the depositor sets the payment conditions in advance, online payment can be executed in the same procedure as ordinary online payment, so that the convenience of the depositor is maintained. That is what you can do.

[Brief description of the drawings]

FIG. 1 is a diagram showing one embodiment of an online payment system of the present invention.

FIG. 2 is a flowchart showing an example of an online payment method using the online payment system shown in FIG.

FIG. 3 is a diagram showing a specific example of the online payment system shown in FIG. 1;

FIG. 4 is a diagram showing a configuration example of a conventional online payment system.

[Explanation of symbols]

 Reference Signs List 100 payment terminal 200 payment center 300 account management host 400 payment condition input server 410 condition input homepage 500 internet terminal 600 virtual account management host 610 payment determination processing unit 620 condition setting table 700 internet

Claims (12)

[Claims] 1. An online payment system comprising: an account management device that manages deposit accounts of a plurality of depositors; and a payment terminal that executes online payment in the deposit accounts according to instructions from the depositors. A virtual account management device arranged between the payment terminal and the account management device, wherein the virtual account management device has a condition setting table in which payment conditions at the time of online payment input by the depositor are set; Gateway processing for determining the validity of online payment based on the payment conditions set in the condition setting table, and connecting the payment terminal and the account management device online only when determining that the payment is valid; An online payment system, comprising: 2. A homepage connected to the virtual account management device and a communication network for allowing the depositor accessed from the communication network to input the settlement conditions is established on the communication network, and is input to the homepage. The online payment system according to claim 1, further comprising a condition input server for inputting the settled payment condition to the condition setting table. 3. The online payment system according to claim 2, wherein the condition input server opens the homepage different for each of the plurality of depositors on the communication network. 4. The payment terminal, at the time of online payment, a payment terminal password different from the account password of the deposit account is input by the depositor together with the card data of the payment card. The payment terminal PIN is set by the depositor, and the payment determination processing unit validates online payment when the payment terminal PIN input to the payment terminal is not set in the condition setting table. The online payment system according to any one of claims 1 to 3, wherein the online payment system is determined to be non-existent. 5. The condition setting table, wherein the depositor sets valid setting conditions including any one or more of the conditions of the number of valid times of online settlement, a valid time, and a valid date as the payment conditions. 5. The method according to claim 1, wherein the determination processing unit determines that the online payment is not valid when the validity setting condition set in the condition setting table is not satisfied. 6. Online payment system as described. 6. An account management device that manages deposit accounts of a plurality of depositors, a settlement terminal that executes online settlement in the deposit account according to instructions of the depositor, and a settlement terminal that performs the settlement with the account management device. An online payment method using a virtual account management device interposed between the virtual account management device and the virtual account management device, wherein the depositor sets payment conditions for online payment in the virtual account management device, And performing a gateway process for connecting the payment terminal and the account management device online only when the virtual account management device determines that the online payment is valid, and performing the payment. An online payment method, wherein a terminal executes online payment in the deposit account 7. An account management device for managing deposit accounts of a plurality of depositors, a settlement terminal for executing online settlement in the deposit account according to instructions of the depositor, and a settlement terminal for the settlement terminal and the account management device. An online payment method using a virtual account management device disposed between the virtual account management device and a condition input server connected to the virtual account management device and a communication network, wherein the condition input server provides the depositor with online payment. A homepage for inputting payment conditions is established on the communication network, and the depositor who accesses the homepage from the communication network inputs the payment conditions on the homepage, and is input to the homepage by the depositor. By transmitting the payment condition from the condition input server to the virtual account management device, Setting the payment condition in the account management device, the virtual account management device determines the validity of online payment based on the payment condition, and the virtual account management device determines that the online payment is valid. An online payment method, wherein a gateway process for connecting the payment terminal and the account management device online only is performed, and the payment terminal executes online payment in the deposit account. 8. The online payment method according to claim 7, wherein the condition input server opens the homepage different for each of the plurality of depositors on the communication network. 9. The depositor sets a settlement terminal PIN different from the account PIN of the deposit account in the virtual account management device by the depositor, and sets the payment terminal together with the card data of the settlement card during online settlement. The password is input to the payment terminal by the depositor, and the virtual account management device validates the online payment if the payment terminal password input to the payment terminal is not set in the virtual account management device. The online payment method according to claim 6, wherein the online payment method is determined to be non-existent. 10. The depositor sets, in the virtual account management device, valid setting conditions including at least one of the conditions of the number of valid times, valid time, and valid date of online payment as the payment conditions, The online payment method according to any one of claims 6 to 9, wherein if the account management device does not satisfy the validity setting condition, it is determined that the online payment is not valid. 11. A virtual account management device arranged between an account management device that manages deposit accounts of a plurality of depositors and a settlement terminal that executes online settlement in the deposit account according to instructions of the depositor. A condition setting table in which settlement conditions at the time of online settlement input by the depositor are set; and determining the validity of online settlement based on the settlement conditions set in the condition setting table. A virtual account management device, comprising: a payment determination processing unit that performs a gateway process for connecting the payment terminal and the account management device online only when it is determined that there is a payment terminal. 12. A computer arranged between an account management device that manages deposit accounts of a plurality of depositors and a settlement terminal that performs online settlement with the deposit accounts according to instructions from the depositors. A process for setting payment conditions at the time of online payment input by the depositor; a process for determining the validity of online payment based on the payment conditions; and A program causing the computer to execute a gateway process for connecting the settlement terminal and the account management device online only when the determination is made.