JP2003050957A - Method and device for account management - Google Patents

Abstract

PROBLEM TO BE SOLVED: To increase the security in electronic settlement. SOLUTION: A settlement managing server 30 opens a value account used for settlement according to a customer ID identifying a customer or a store ID identifying an alliance store and a reception card ID identifying a reception card. When the reception card ID and a received amount are received from a register terminal 40, the received amount is registered in the value account corresponding to the reception card ID; when the customer ID, a purchase price, and the store ID are received from a portable telephone set 10, the purchase price is subtracted from the value account corresponding to the customer ID and added to the value account corresponding to the store ID, thus performing electronic settlement.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account management method and an account management apparatus, and more particularly to a technique for enhancing security during electronic payment.

[0002]

2. Description of the Related Art Recently, prepaid card type electronic money has come to be used for settlement of electronic commerce carried out on the Internet. Prepaid card type electronic money can be purchased as a prepaid card at a convenience store, for example. Then, the prepaid card displays a predetermined amount of money and has a silver-colored scratch portion. An identification number for identifying the prepaid card is displayed below the silver-colored scratched portion. Further, the server device operated by the prepaid card management company stores the identification number of the prepaid card and the value data (money value data) corresponding to the amount displayed on the prepaid card in association with each other.

In the case of making payment using electronic money of prepaid card type in electronic commerce, the identification number written on the above-mentioned prepaid card is notified to the server device. As a result, the value data corresponding to the purchase amount is subtracted from the value data corresponding to the identification number, and the purchase amount money is transferred to the bank account on the store side. As described above, the conventional prepaid card type electronic money uses the value data corresponding to the identification number by notifying the server device of the identification number written on the prepaid card. Therefore, the identification number portion on the prepaid card is scratched silver so that the identification number is not known to others.

[0004]

By the way, even if the identification number portion on the prepaid card is scratched in silver, if the prepaid card is dropped or stolen, the identification number will be known to others and the value data will be lost. There is a problem that is illegally used by others. Therefore, the present invention has been made in view of the above circumstances, and an object of the present invention is to provide an account management method and an account management device that enhance security at the time of electronic payment.

[0005]

In order to solve the above-mentioned problems, the account management method according to the present invention has a first identification code uniquely assigned to specify a deposit procedure and a purchaser of electronic commerce. A second identification code that is uniquely assigned to identify the first and second identification codes received from the communication terminal via the network, and an account file associated with the received first and second identification codes is generated. A deposit identification code for identifying an account file and deposit data to be registered in the account file are received from a depositing terminal via a network, and the first deposit file that matches the deposit identification code from the generated account file. It is characterized in that an account file corresponding to the identification code is selected and the deposit data is added to the selected account file.

According to the present invention, the first identification code uniquely assigned to identify the deposit procedure and the second identification code uniquely assigned to identify the purchaser of the electronic commerce transaction. Since the associated account file can be generated, when registering the deposit data in this account file, the account file corresponding to the first identification code that matches the deposit identification code that identifies the account file is registered. It becomes possible to add the deposit data to it. In this way, the identification code specified when depositing and the identification code specified when purchasing are set separately, so if you do not know both identification codes, you can purchase products etc. in electronic commerce. I can't. Therefore, security at the time of electronic payment can be enhanced.

Further, the account management device according to the present invention has a first identification code uniquely assigned to identify a deposit procedure and a first identification code uniquely assigned to identify a purchaser of an electronic commerce transaction. Identification code receiving means for receiving the identification code No. 2 from an external terminal, generating means for generating an account file associated with the received first and second identification codes, and a deposit identification code for specifying the account file. And a deposit receiving means for receiving deposit data registered in the account file from an external terminal, and an account file corresponding to the first identification code that matches the deposit identification code from the generated account files. It is characterized by comprising selection means for selecting and deposit adding means for adding the deposit data to the selected account file.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, preferred embodiments of the present invention will be described with reference to the drawings. [1. Configuration of Embodiment] [1-1. Configuration of Payment Management System] FIG. 1 shows a schematic configuration of a payment management system 1 which is an embodiment of the present invention.
The mobile telephones 10-1, ..., 10-n shown in FIG. 1 (hereinafter, referred to as the mobile telephone 10 when it is not necessary to distinguish the respective mobile telephones) are used for the purchase of goods or services in electronic commerce. Is a mobile communication terminal owned by a purchaser (hereinafter, simply referred to as a purchaser) who pays for the provision of. The mobile phone 10 has a browser function, and sells information about products and service information provided by the content server 50 on the Internet 70 (hereinafter, referred to as “information on sale”).
Enter as shopping information. ) Can be displayed on the display unit.

The member store terminals 20-1, ..., 20-n (hereinafter, referred to as the member store terminals 20 when it is not necessary to distinguish each member store terminal) are used to sell merchandise and provide services. It is a terminal device that is provided and owned by a store that is a member of the payment management system. Register terminal 40-1,
, 40-n (hereinafter referred to as register terminal 40 unless it is necessary to distinguish each register terminal),
For example, it is a terminal installed in a convenience store or the like, and is provided with a keyboard for inputting a deposit amount and a card reading device for reading a barcode.

The content server 50 is a server device that stores shopping information provided by member stores, and provides a Web page carrying shopping information to the mobile phone 10 or the like connected via the Internet 70. To do. The payment management server 30 manages the money paid in advance as purchase price by the purchaser as value data (money value data), and makes payment using the value data to the member store that sells the product etc. to the purchaser. It is a device to perform. Specifically, the payment management server 30 establishes a value account for each purchaser or member store in order to manage this value data, and moves the value data registered in this value account between the value accounts. Settle by.

[1-2. Payment Management Server Configuration] Next,
The hardware configuration of the payment management server 30 will be described with reference to FIG. CPU (Central Processing Unit) 31
Is a ROM (Read Only Memory) 32, a RAM (Random
Access Memory) 33 or HDD (Hard Disk Driv)
e) By executing various programs stored in 34, the respective parts of the apparatus connected via the bus 36 are controlled. The communication control unit 35 is a circuit that controls data communication with the register terminal 40, the content server 50, and the like.

The ROM 32 stores various control programs executed by the CPU 31, control data, and the like. The RAM 33 is used as a work area for the CPU 31. Customer information DB in HDD 34
341, value account DB 342, transaction information DB 34
3 and various application programs executed by the CPU 31 are stored.

FIG. 3 exemplifies a conceptual diagram showing the stored contents of the customer information DB 341. The customer information DB 341 has a plurality of records. Each record has fields of customer ID / store ID 341a, deposit card ID 341b, password 341c, mail address 341d, bank account number 341e, name / store name 341f, and address 341g.
And are included. The customer information DB 341 stores these fields in association with each other.

The customer ID / store ID 341a is information that uniquely identifies the purchaser or member store. The customer ID corresponds to, for example, the telephone number or the e-mail address of the mobile phone 10 owned by the purchaser, and may be any ID as long as the customer can be uniquely identified. Of these, the telephone number is unique to the mobile phone 10 and is information automatically transmitted as a calling number during communication, and thus is suitable as a customer ID. Therefore, in this embodiment, the telephone number is used as the customer ID. The deposit card ID 341b is information used by the purchaser to specify the value account when registering the value data in the value account. This deposit card ID is displayed on the deposit card presented when the value data is registered in the value account. The deposit card is the deposit card I
The bar code corresponding to D is also displayed. The deposit card is distributed free of charge at a convenience store or the like.

The password 341c is information for authenticating the purchaser or member store, and is set by the purchaser or member store itself. Email address 341d is
This is information indicating the destination of the e-mail of the purchaser or member store. The name / store name 341e is information indicating the name of the purchaser or the store name of the member store. The address 341f is information indicating the address of the purchaser or member store. The bank account number 341g is information indicating the account number of the bank opened by the member store.

FIG. 4 exemplifies a conceptual diagram showing the storage contents of the value account DB 342. The value account DB 342 is
It has a plurality of account files generated for each customer ID / store ID 342a. The customer ID / store ID 342a is information that uniquely identifies the purchaser or member store. Each account file has multiple records, each record containing
The fields include date 342b, deposit amount 342c, withdrawal amount 342d, and balance 342e. The value account DB 342 stores these fields in association with each other. The date 342b is information indicating the date and time when the deposit or withdrawal was made. The balance 342e is information indicating the balance of the purchaser or the member store as value data. In this way, each account file that constitutes the value account DB 342 functions as a so-called deposit passbook.

FIG. 5 exemplifies a conceptual diagram showing the storage contents of the transaction information DB 343. The transaction information DB 343 has a plurality of records. Each record includes customer ID / store ID 343a, product ID 343b, product unit price 343c, purchase quantity 343d, and transaction date / time 343e as fields. The transaction information DB 343 stores these fields in association with each other. Customer ID / Store ID 343
a is information that uniquely identifies the purchaser or the member store. The product ID 343b is information that uniquely identifies the product purchased by the purchaser. The product unit price 343c is information indicating the unit price of the product purchased by the purchaser. Purchase quantity 343
d is information indicating the quantity of products purchased by the purchaser.
The transaction date and time 343e is information indicating the date and time when the purchaser purchased the product. These pieces of information are used when issuing a purchase certificate that proves that the purchaser has purchased the product, or used when managing sales at a member store.

[2. Operation of Embodiment] [2-1. Operation when Opening Value Account] Next, the operation when opening a value account will be described with reference to FIG. 6 by taking the mobile phone 10-1 as an example. First, the mobile phone 1 is based on an operation instruction given by a person who wants to open a value account (hereinafter referred to as a person who wants to open an account).
0-1 connects to the payment management server 30 and displays a Web page used when applying for opening an account on the display unit (step S1).

Next, when the application information is entered in the entry field set on this Web page and a confirmation instruction is given,
The mobile phone 10-1 transmits to the payment management server 30 a notification signal and an application information indicating that an application for opening an account is made (step S2). Here, the application information is information necessary for applying to open a value account, and includes, for example, the telephone number (customer ID) of the mobile phone 10-1, the deposit card ID, the password, and the email address of the person who wants to open an account. , Name and address. In the present embodiment, it is assumed that the telephone number of the mobile phone 10-1 is transmitted to the payment management server 30 using the caller number of the mobile phone 10-1 transmitted from the mobile communication network 60. The deposit card ID is an identification code for identifying a value account and is used when registering value data in the value account.

The CPU 31 of the payment management server 30 generates a customer information record based on the received application information and registers it in the customer information DB 341, and also generates a value account record and registers it in the value account DB 342 (step S3). . Specifically, the telephone number of the mobile phone 10-1 included in the application information is stored in the customer information DB 34.
No. 1 customer ID 341a, and in the same manner as below, the deposit card ID, password, mail address, name and address included in the application information are respectively stored in the customer information DB 34.
1 deposit card ID 341b, password 341c, mail address 341d, name 341f and address 341
Generate a customer information record by storing it in g.
Further, the value account record is generated by storing the telephone number of the mobile phone 10-1 included in the application information in the customer ID 342a of the value account DB 342. As a result, a value account is opened, and electronic commerce can be performed using the payment management system 1.

[2-2. Operation when Registering Value Data in Value Account] Next, the operation when registering value data in a value account will be described with reference to FIG. 7 by taking the register terminal 40-1 and the mobile communication terminal 10-1 as an example. . Here, in the present embodiment, the register terminal 40
-1 is assumed to be installed in a convenience store. First, an opener of a value account (hereinafter referred to as an account opener) operates the mobile phone 10-1 to access the settlement management server 30 and display a Web page for deposit on the mobile phone 10-1. Is displayed (step S11).
At this time, the mobile phone 10-1 transmits the telephone number to the settlement management server 30 as a customer ID. When the account opener operates the mobile phone 10-1 to input the deposit amount, provisional deposit data indicating the deposit amount is transmitted to the settlement management server 30 (step S12). Payment management server 30
Temporarily stores the temporary deposit management number, the temporary deposit data, and the customer ID in association with each other (step S13). The temporary deposit management number is issued for each deposit process. In addition,
Since there is no actual deposit at this point, the value account DB
The deposit amount is not reflected in 342.

Next, the account opener presents the payment card to the clerk of the convenience store to inform that the value data will be registered in the value account. When the clerk reads the bar code displayed on the deposit card using the bar code reading device of the register terminal 40-1, the register terminal 40
-1 sends the payment card ID to the payment management server 30 (step S14). Thereafter, the payment management server 30 refers to the customer information DB 341 to acquire the customer ID corresponding to the deposit card ID (step S15), and registers the temporary deposit data and the temporary deposit management number corresponding to the acquired customer ID in the register terminal. 40-1 (step S16). Then, the register terminal 40-1 displays the amount indicated by the temporary deposit data on the display unit. As a result, the account opener can confirm the deposit amount designated by himself / herself at the actual deposit location.

Then, when the account opener pays cash to the clerk, the clerk operates the keyboard of the register terminal 40-1 to input that the deposit has been completed. Then, the register terminal 40-1 issues a deposit completion signal and notifies the settlement management server 30 of this and the temporary deposit management number (step S1).
7). That is, the actual deposit is managed based on the deposit card ID. The cash paid by the account opener is transferred from the bank account of the convenience store to the bank account of the company that operates the payment management server. After that, the payment management server 30 identifies the account file of the value account DB 342 based on the customer ID associated with the temporary deposit management number. Then, the settlement management server 30 sets the value data corresponding to the temporary deposit data in the field of the deposit amount 342c, the date and time of the transaction in the field of the date 342b, and the increased balance amount in the balance 34.
Record each in the field 2e. As a result, the value data is registered in the value account, and the value account DB
The contents of 342 are updated (step S18).

Next, the CPU 31 of the settlement management server 30
Generates an electronic mail indicating that the value data has been registered in the value account, and sends the electronic mail to the mail address of the mobile communication terminal 10-1 (step S19). Here, in this e-mail, for example, the deposit card ID, the deposit date and time,
The deposit amount and balance are listed. Of these, the deposit date and time, the deposit amount, and the balance are the value account DB shown in FIG.
It matches the information stored in. As a result, the account opener can confirm that the value data has been registered in the value account.

[2-3. Operation when Purchasing Product etc.] Next, referring to FIG. 8, the operation when purchasing a product etc. using a value account will be described by taking the mobile communication terminal 10-1 and the member store terminal 20-1 as an example. To do. First, the mobile phone 10-1 connects to the content server 50 based on an operation instruction given by the purchaser (step S21). Next, the content server 50 transmits display data for displaying a list of member stores that can be settled by the value account to the mobile phone 10-1 (step S22). When a member store that sells products or the like desired by the purchaser is selected on the mobile phone 10-1 (step S2
3), the content server 50 transmits display data for displaying the Web page corresponding to the selected member store to the mobile phone 10-1 (step S24). The mobile phone 10-1 is a Web corresponding to the member store selected by the purchaser.
The page is displayed on the display unit (step S25). On this Web page, shopping information handled by the selected member store is posted.

Next, when a desired product is selected by the purchaser on the mobile phone 10-1 and the purchase quantity of the product and the password of the account opener are input and confirmed, the mobile phone 10-1 makes a purchase application. The information is transmitted to the payment management server 30 (step S26). Here, the purchase application information includes
For example, there are a telephone number (customer ID) of the mobile phone 10-1, an account opener password, a store ID, a product ID, a product unit price, and a purchase quantity. The telephone number of the mobile phone 10-1 is transmitted to the payment management server 30 using the caller number of the mobile phone 10-1 transmitted from the mobile communication network 60. The telephone number of the mobile phone 10-1 may be input by the account opener. Store ID, product I
D and the product unit price are automatically acquired from the content server 50 when the member store or the product is selected by the purchaser.

The CPU 31 of the payment management server 30 determines whether or not the telephone number (customer ID) and store ID included in the received purchase application information are registered in the customer information DB 341 (step S27). When it is determined that both or one of the telephone number and the store ID is not registered in the determination of step S27 (step S27; NO), the CP of the payment management server 30
U31 transmits a message to the effect that the system cannot be used to the mobile phone 10-1 (step S2).
8).

On the other hand, when it is determined in step S27 that both the telephone number and the shop ID are registered (step S27; YES), the CPU 31 of the payment management server 30 is included in the purchase application information. The value account DB 342 is searched based on the telephone number (customer ID). The CPU 31 of the payment management server 30 uses the balance 34 included in the value account record extracted by the search.
The value account balance is checked by comparing 2b with the purchase price calculated from the product unit price and purchase quantity of the purchase application information (step S29).

When it is determined that the balance is insufficient in the balance check in step S29 (step S2
9; YES), the CPU 31 of the payment management server 30 transmits a message indicating that the product cannot be purchased to the mobile phone 10-1 (step S30). On the other hand, in the balance check in step S29, when it is determined that the balance is sufficient (step S29; NO), the CPU 31 of the payment management server 30 sends a message indicating that the product can be purchased to the mobile phone 10. -1 to prompt to confirm the purchase of the product (step S31). Mobile phone 10-1 based on the confirmation instruction made by the purchaser
Sends a purchase confirmation notification for confirming the purchase of the product to the payment management server 30 (step S32).

The CPU 31 of the payment management server 30, which has received the purchase confirmation notification from the mobile phone 10-1, moves the value data corresponding to the purchase amount from the value account of the account opener to the value account of the store (step S33).
Specifically, the CPU 31 of the payment management server 30
Extracts a value account record corresponding to the store ID from the value account DB 342 based on the store ID included in the purchase application information. And C of the payment management server 30
The PU 31 subtracts the purchase amount from the balance 342b of the value account record corresponding to the telephone number of the mobile phone 10-1 and adds the purchase amount to the sales amount 342b of the value account record corresponding to the store ID to register the value account. Move the value data that is stored.

The CPU 31 of the settlement management server 30 stores the transaction information generated when the purchaser purchases the product in the transaction information D.
It is registered in B343 (step S34). Here, the transaction information includes, for example, the telephone number (customer ID) of the mobile phone 10-1, the shop ID, the unit price of the product, the purchase quantity, and the transaction date and time. The transaction date and time is, for example, the mobile phone 10-1.
It may be the date and time when the purchase confirmation notification is received from, or the date and time when the transfer of the value data is completed.

In this embodiment, the purchaser notifies the payment management server 30 of the payment card ID, so that the purchase certificate of the purchased product or the like can be obtained. More specifically, first, the payment management server 30 is connected to a Web page for acquiring a purchase certificate, and the deposit card ID is input in the input field set on this Web page. Next, the CP of the payment management server 30
U31 extracts the customer ID 341a corresponding to the deposit card ID from the customer information DB 341, and the customer ID 341
The transaction information DB 343 is searched based on a. Thereby, the transaction information corresponding to the deposit card ID can be acquired. Further, by inputting the product name (product ID), transaction date and time, etc. in the input field provided on the Web page, the transaction to be certified can be specified.

Next, the CPU 31 of the settlement management server 30
Sends a message to the mobile phone 10-1 to the effect that the purchase processing performed when purchasing the product has been completed (step S35). Then, the CPU 31 of the payment management server 30
Generates an electronic mail indicating that the product has been purchased and sends it to the mail address of the member store terminal 20-1 (step S36). Here, for example, the product ID of the purchased product, the product unit price, the purchase quantity, the transaction date and time, the purchaser's address, the name, and the email address are described in this e-mail. At the store corresponding to the member store terminal 20-1, the merchandise is shipped to the purchaser based on the contents described in this e-mail (step S37). Of course, the e-mail may notify only that the electronic commerce has been completed, and the details of the transaction may be confirmed on the web page of the payment management server 30.

On the predetermined settlement date, the amount of sales registered in the value account of the member store is transferred from the bank account of the company operating the settlement management server 30 to the bank account of the member store. Be done. Then, the sales amount of the value account of the member store is cleared to zero. Thereby, the member store can collect the price of the product etc. sold to the purchaser.

[3. Effect of Embodiment] As described above,
In the payment management system according to the present embodiment, since the value account is specified using the telephone number obtained by the caller number notification of the mobile phone 10, terminals other than the mobile phone 10 corresponding to the registered phone number. Cannot identify the value account from. Therefore, it is possible to prevent others from using the value account. The deposit card ID displayed on the deposit card is used only when registering value data in the value account and when obtaining the purchase certificate.
It is not used when purchasing products. Therefore,
Even if the deposit card is dropped or stolen, the value data can be prevented from being illegally used.

Further, when the purchase certificate is acquired, it is necessary to input the deposit card ID. Therefore, even if a third party purchases using the mobile phone 10, he / she does not know the deposit card ID. As long as the purchase certificate cannot be issued and the product is purchased by impersonating the owner of the mobile phone 10, it is not possible to prove the purchase, and thus it is possible to prevent damage by impersonation. Further, in the payment management system according to the present embodiment, W
When the deposit amount is specified on the eb page and the actual deposit is confirmed by the register terminal 40, the designated deposit amount is registered as the value data as it is, so the amount desired by the account opener is registered in the value account. can do.

[4. Modification of Embodiment] [4-1. First Modified Example] In the embodiment described above, the deposit card ID used when registering the value data in the value account is displayed on the deposit card. Not limited. For example, the mobile phone 10 may receive a payment identification code (payment card ID) issued by the payment management server 30 and store it in the mobile phone 10. Further, the mobile phone 10 and the register terminal 40 are provided with an interface for infrared communication, and the mobile phone 1
Deposit identification code (deposit card I
You may make it transmit D) to the register terminal 40 using infrared communication.

[4-2. Second Modification] Further, in the above-described embodiment, when registering the value data in the value account, the deposit is made from the register terminal 40, but the method of registering the value data in the value account is not limited to this. For example, the value data may be registered in the value account by transferring it from the ATM (automated teller machine) of the financial institution to the bank account of the operating company using a cash card, or by using a credit card. Value data may be registered in the value account by paying a fee to the operating company.

[4-3. Third Modified Example] In the above-described embodiment, the mobile phone 10 is used as the terminal used by the purchaser, but the present invention is not limited to this. For example, a simple mobile phone having a function of performing wireless communication with the base station 41 of the mobile communication network 60, and a portable information terminal connected to a mobile communication terminal such as a mobile phone or a simple mobile phone are used. You may. In addition, the terminal used by the purchaser may be one that communicates via a fixed telephone communication network. This terminal may be, for example, a PC (personal computer) terminal having a communication interface, or a fixed telephone having a function of accessing the Internet or the like.

[4-4. Fourth Modification] In the above-described embodiment, the value data is registered in the value account before purchasing the product etc., but the present invention is not limited to this. For example, the value data may be registered in the value account after the product arrives at the purchaser, and after the registration, the value data may be moved to the value account on the store side.

[0041]

As described above, according to the present invention, security at the time of electronic payment can be enhanced.

[Brief description of drawings]

FIG. 1 is a diagram illustrating a schematic configuration of a payment management system according to an embodiment.

FIG. 2 is a block diagram illustrating a hardware configuration of the payment management server shown in FIG.

FIG. 3 is a conceptual diagram exemplifying stored contents of a customer information DB shown in FIG.

FIG. 4 is a conceptual diagram exemplifying storage contents of a value account DB shown in FIG.

5 is a conceptual diagram exemplifying the storage contents of the transaction information DB shown in FIG.

FIG. 6 is a sequence chart showing an operation example when opening a value account.

FIG. 7 is a sequence chart showing an operation example when registering value data in a value account.

FIG. 8 is a sequence chart showing an operation example when purchasing a product or the like using a value account.

[Explanation of symbols]

10-1 to 10-n ... Mobile phone (communication terminal), 20-1 to 20-n ... Merchant terminal, 30 ... Payment management server (account management device), 31 ... CPU (identification code receiving means, generating means, Deposit receiving means, selecting means, deposit adding means, purchase amount receiving means,
Account selection means, subtraction means, purchase amount addition means, deposit identification reception means, transmission means), 32 ... ROM, 33 ... RAM, 34 ... HDD, 341 ... Customer information DB, 342 ... Value account DB (account file), 343 ... Transaction information DB, 35 ... Communication control section, 36 ... Bus, 40-1 to 40-n ... Register terminal (payment terminal), 50 ... Content server, 60 ... Mobile communication network (network), 70 ... Internet (network) .

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 414 G06F 17/60 414 512 512 ZEC ZEC G07D 9/00 451 G07D 9/00 451C

Claims (8)

[Claims] 1. From a communication terminal, a first identification code uniquely assigned to identify a deposit procedure and a second identification code uniquely assigned to identify a purchaser of an electronic commerce transaction. A depositing terminal that receives via a network, generates an account file that is associated with the received first and second identification codes, and identifies a deposit identification code that identifies the account file and deposit data that is registered in the account file. From the generated account file, select the account file corresponding to the first identification code that matches the deposit identification code, and the deposit data in the selected account file. An account management method characterized by adding. 2. The account management method according to claim 1, wherein a purchaser identification code for identifying a purchaser of electronic commerce, a store identification code for identifying a store of electronic commerce, and purchase amount data are transmitted from the communication terminal. Received via a network, select an account file corresponding to the second identification code that matches the purchaser identification code from the generated account files, and select the purchase amount from the selected account file. An account management method, wherein data is subtracted and the purchase amount data is added to a store account file corresponding to the store identification code. 3. The account management method according to claim 2, wherein the deposit identification code is received from the communication terminal via a network, and relates to the account file corresponding to the first identification code that matches the deposit identification code. An account management method, characterized in that purchase information is transmitted to the communication terminal. 4. The account management method according to claim 3, wherein the purchase information includes at least the purchase price data, product name data and purchase quantity data corresponding to the purchase price data, and transaction date data. How to manage accounts. 5. The account management method according to claim 1, wherein the communication terminal is a mobile communication terminal, and the second identification code is a telephone number assigned to the mobile communication terminal. How to manage accounts. 6. A first identification code uniquely assigned to identify a deposit procedure and a second identification code uniquely assigned to identify a purchaser of an electronic commerce transaction from an external terminal. Identification code receiving means for receiving, generating means for generating an account file associated with the received first and second identification codes, deposit identification code for identifying the account file, and deposit data registered in the account file. And a selecting means for selecting an account file corresponding to the first identification code that matches the deposit identification code from the generated account files, and A deposit adding means for adding the deposit data to the account file, and an account management device. 7. The account management device according to claim 6, wherein a purchaser identification code for identifying a purchaser of electronic commerce, a store identification code for identifying a store of electronic commerce, and purchase amount data are received from an external terminal. Purchase amount receiving means for selecting, an account selecting means for selecting an account file corresponding to the second identification code that matches the purchaser identification code from the generated account file, and the selected account file An account management device comprising: a subtracting unit that subtracts the purchase amount data from the purchase amount data; and a purchase amount adding unit that adds the purchase amount data to the store account file corresponding to the store identification code. 8. The account management apparatus according to claim 7, wherein the deposit identification receiving unit receives the deposit identification code from an external terminal, and the account file corresponding to the first identification code that matches the deposit identification code. An account management device comprising: a transmitting unit that transmits purchase information to an external terminal.