JP2003141430A - Electronic file money settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily transfer the money in safety by transferring an electronic file by transferring in a communication means or a recording medium to allow the received electronic file money to be repeatedly used, to reduce the risk of illegal formation and illegal use in a settlement organization side, to relief the enormous verifying process in the settlement organization, and to improve the safety for a user while keeping anonymity. SOLUTION: The electronic file is provided with a data for verification to perform the verification in the settlement organization. Only the electronic file presented first is regarded to be valid. The data for verification is rewritten in transferring or being requested. A copy is prepared for lost. The management data are respectively encrypted, and the electronic file is provided with a key to make the formation of the electronic file from the management data difficult. Further the management data is provided with the key data, and another file is also provided with the same key to make the illegal formation of the management data, furthermore, the electronic file difficult. To further improve the safety for the user, a password or the data for confirmation is exchanged with the settlement organization in rewriting, and the password and the data for confirmation are verified when the validity is determined next.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is to transfer an amount of money by transferring an electronic file having data in which the amount of money is recorded. It is about electronic money that can be delivered to.

[Prior art]

In many conventional electronic money, a recording medium for recording the amount of money is a magnetic card, an IC card or the like, which is peculiar to the electronic money system to be used and is special, or a limited number of kinds of recording media are used. , Dedicated, sophisticated software is required to perform complex calculations when passing and use digital signatures and public keys. Also, it is difficult to transfer the amount of money by communication means. Alternatively, like a credit card or a debit card, the person's identity is confirmed from an account or the like and a personal identification number recorded in advance in a payment institution in some form, and the account is withdrawn from the account or the payment history is created. In that case, it is difficult to say that there is a high degree of anonymity because there is information about who the user is. Similarly, the transfer of money such as magnetic cards and IC cards often requires confirmation of the identity of the user to prevent theft and loss, and there is some information about the holder, that is, who the user is. It is hard to say that there is a high degree of anonymity because many exist.

Further, when delivering the amount of money, the recording medium specific to the electronic money system is held and presented to the recipient,
Data must be read by a dedicated terminal that reads the recording medium in a specified format, or a complicated operation must be performed because an electronic signature or public key is used and updated as necessary. It also conflicts with other patents due to the use of digital signatures and cryptography, sometimes leading to complex and royalty issues. In the case of prepaid cards, IC cards, etc., when using electronic money, it is necessary to visit the store in advance to purchase the electronic money, or to visit the counter and prepare for supplementing the amount. It is common for the majority of the recipients to receive cash at a clearing house or to deposit money into their own account. Except for a part, they cannot be reused as they are for payment to another person. When you want to get a new issue, you often go to the handling counter, store, etc., and you can not receive it even at home.

Further, when using a credit card or a debit card that debits an account without transferring the value of the amount of money by using communication means, if the account, the personal identification number, etc. are passed to a third party, There is a risk that the limit will be used illegally. In many electronic moneys, when the recording medium on which the data is recorded and the ID code and the password are passed to another person due to, for example, loss or theft, the electronic money is easily used by another person. With token-type electronic money, all the data is managed by the clearing house, so the clearing of the data of the clearing house and hacking of the clearing house (connecting to a fake clearing house server to obtain the value of the presented electronic file money) There is a possibility of losing credit in a short period of time due to fraud inside and outside the payment institution, and suffering a large amount of loss. Furthermore, all authentication is required at the payment institution, which requires a huge amount of paperwork and data volume. Further, since copying is easy and anonymity is high, there are some who try to gain value by acting fraudulently on electronic money distributed by various methods. There is also the possibility of double use, even if not intentionally due to negligence. Furthermore, in the conventional token-type electronic money, complicated cryptographic operations and dedicated devices must be used to enable offline delivery.

[0005]

[Problem to be Solved by the Invention] To provide an electronic file money in which the electronic file itself has a value, that is, a bit array of an ordinary electronic file has a value.
Since the payment is determined by whether the electronic file is valid,
The electronic file money received can be reused by the recipient,
To provide electronic file money that the recipient of the electronic file money does not necessarily have to settle. In addition, there are various ways of delivery regardless of the recording medium of the electronic file containing the data for payment and the means of sending and receiving.In addition, prior preparation is relatively easy before use, and the identity of the user can be confirmed. A secure electronic file that does not require or has no user information at all, has a high degree of anonymity, does not require encryption that performs complicated operations, and does not necessarily require a digital signature, and can handle theft and loss to some extent. Providing money. Therefore, double use, unauthorized use, duplication of electronic files, etc.
We provide electronic file money that eliminates negative factors because it is an electronic file. Furthermore, it provides electronic file money in which the data of the payment institution is stolen or the electronic file cannot be illegally created by the payment institution.

[0006]

[Means for Solving the Problems] Electronic money is token-type electronic money constituted only by ordinary electronic files. Since it is an ordinary electronic file, it can be easily copied. Further, any electronic file recording medium, reading device, and any electronic file communication means can be used. The amount of money, the file ID, and the verification data are recorded in the electronic file, and the amount of money, the file ID, and the verification data are recorded in the settlement organization when the electronic money is issued. Always send through a clearing house for secure delivery, except reliable delivery. The cash will be exchanged at the clearing house. The settlement organization collates the file ID, the amount, and the collation data. Match and only the first match will be accepted for cash. There is little risk to the payment institution because only the first one presented will be accepted for cash. Even if the file is accidentally transferred to a third party such as theft or loss, you can use the copied backup to transfer it and request to rewrite the verification data of the electronic file.

The recipient who receives the electronic file money can check the electronic file at any time by collating with the settlement organization, and the collation data can be rewritten at any time. By rewriting, all the previous copies can be invalidated, and only the electronic files owned by itself can be validated. Also, the payer presents the electronic file money to the settlement organization by designating the recipient, rewrites the verification data, and passes it to the recipient.

[0008] The management data of the clearing house is encrypted, and at the time of verification, the electronic file is also encrypted and verified. Alternatively, the management data of the payment institution is encrypted and the key is stored in an electronic file. Since the management data of the clearing house cannot be decrypted without an electronic file, a valid electronic file money cannot be created from the management data. Even if the management data is stolen, a valid electronic file cannot be created. The clearing house has a master management file and records the management file and the master verification file in the master management file. When collating electronic files, check whether the master collation data match. Even if only a pair of management data and electronic file is created, the electronic file is not valid.

When connecting to the server of the settlement institution, use the equipment prepared for that purpose, and at the time of verification, the equipment ID
Also, the location information is presented. Of course, even when delivering without connecting to the server of the payment institution, the time and place of confirmation are recorded in an electronic file if possible, such as when using dedicated software. It is possible to trace fraudulent use and misuse to some extent, and it is easy to prevent fraudulent use. Further, if the amount of money is high, etc., confirmation data and a password, which are not written in the electronic file that constitutes the electronic money, are provided, and the password is required to be presented at the time of delivery.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described based on examples with reference to the drawings. A method of issuing, paying, receiving and converting electronic file money will be described with reference to FIG. a. ) Payer A uses terminal T1 to connect to a server of a settlement organization such as a bank via a communication line and requests issuance of electronic file money. b_1. ) Settlement institution is server S
Issues an electronic file money D composed of an electronic file and causes the terminal of the payer to receive it via a communication line. b_2. ) The payer A can copy and record the electronic file money D in any recording medium in order to prepare for loss or theft. c_1. ) At least the file ID, the amount of money data, and the collation data (hereinafter referred to as management data K) are recorded in the electronic file constituting the electronic file money D. c_2. ) It is recorded in the management file of the server of the settlement organization that this management data and the electronic file money are unconverted money. d_1. ) The payer uses the terminal T1 through the communication line to receive the recipient B
Make the terminal T2 of the above receive the electronic file money D,
d_2. The recipient confirms the amount. d_3. ) Recipient B can copy and record electronic file money D to any recording medium in case of loss or theft. d'_1) The recipient B causes the terminal T3 of another recipient B'to receive the electronic file money D via the communication line using the terminal T2, and d'_2. ) Recipient B'confirms the amount. d'_3. ) The recipient B'can copy and record the electronic file money D on any recording medium to prepare for loss or theft. e_1. ) The payer A (when the payer A does not perform d_1. And the recipient B does not receive the electronic file money) e_
2. ) Or the above recipient B or the intermediate recipient (the above recipient B
When the terminal T3 of the other recipient B'receives the electronic file money D using the terminal T2 via the communication line, the recipients after the other recipient are the terminal T1 or T
2 or T3 is used to connect to the server S of the payment institution Z via a communication line to present the electronic file money D and request payment. f_1. ) On the server S, the payment institution collates the management data K recorded in the management file F of the server S with the management data K recorded in the electronic file money D, and the electronic money issued by the payment institution Z. It is confirmed that the file money is D, and that the electronic file money is unconverted money.
2. ) It records in the management file that it has been redeemed in response to the redemption. Due to the above-mentioned cash-completed record, the copy of the electronic file money D becomes invalid. Further, it is known that if the data for verification has a sufficiently long bit length, the data does not coincide by chance.

Next, referring to FIG. 2, a method of issuing, paying, receiving, delivering, and exchanging electronic file money will be described. a. ) The payer A connects to the server S of the settlement organization Z such as a bank using the terminal T1 via the communication line and requests the issuance of the electronic file money D. b. ) The settlement institution Z issues the electronic file money D composed of the electronic file from the server S, and the terminal T1 of the payer A is sent through the communication line.
To receive. c_1. ) At least the file ID, the amount of money data, and the collation data (hereinafter referred to as management data K) are recorded in the electronic file constituting the electronic file money D, and c_2. ) The management data K and the electronic file money D are recorded in the management file F of the server of the settlement organization as the unconverted money. c_
3. ) The payer A can copy and record the electronic file money D in any recording medium in order to prepare for loss or theft. d_1. ) The payer A is the terminal T1
The terminal device T2 of the recipient B is made to receive the electronic file money D through the communication line using d. The recipient confirms the amount. d_3. ) Recipient B can copy and record electronic file money D to any recording medium in case of loss or theft. e '. ) The payer A (when the payer does not perform d. And the recipient does not receive the electronic file money), e. ) Or the above recipient, or the intermediate recipient B (the above recipient A is the terminal T
When the electronic file money D is received by the terminal of another recipient via the communication line using No. 1, the recipients after the other recipients) use the terminal to settle the payment through the settlement line Z through the communication line. To present the electronic file money D, specify the recipient C, and request rewriting of at least the collation data of the management data K. f. ) On the server S, the payment institution Z collates the management data K recorded in the management file F of the server S with the management data K recorded in the electronic file money D and issues the payment institution Z. After confirming that the electronic file money D has been converted, and also confirming that the electronic file money D is unconverted money, the above rewriting is performed. g_
1, 2. ) The settlement institution Z causes the terminal T3 of the designated recipient C to receive the rewritten electronic file money D from the server S via the communication line. The designated recipient C confirms the amount. g_3. ) The designated recipient C can copy and record the electronic file money D on an arbitrary recording medium to prepare for loss or theft. h_
1. ) In the rewritten electronic file money D, the management data K is rewritten with the rewritten file ID, the amount data, and the collation data (hereinafter referred to as the rewritten management data), h_2. ) This rewritten management data is the management data K of the management file F of the server S of the settlement organization Z.
Also rewrite. By the above rewriting, the copy of the electronic file money recorded by the payer A or the recipient and the intermediate recipient B becomes invalid. i. ) The designated recipient C or the intermediate recipient C '(others when the designated recipient C causes the terminal of another recipient to receive the electronic file money D via the communication line using the terminal T3) , The electronic file money D can be copied and recorded on an arbitrary recording medium in order to prepare for loss, theft, and the like, like other recipients and other recipients.) Communication using the terminal device T3 It connects to the server S of the settlement organization Z via a line and presents the electronic file money D to request settlement. j_1. ) On the server S, the payment institution Z collates the management data K recorded in the management file F of the server S with the management data K recorded in the electronic file money D to settle the payment institution Z.
It is confirmed that the electronic file money D has been issued, and that the electronic file money D has not been converted. J_2. ) According to the cash conversion, the fact that the cash has been converted is recorded in the management file. Designated recipient C due to the above cash conversion
Alternatively, the copy of the electronic file money recorded by the intermediate recipient C'is invalid. Further, it is known that if the data for verification has a sufficiently long bit length, the data does not coincide by chance.

Next, a method of issuing, paying, receiving, rewriting and cashing electronic file money will be described with reference to FIG. a. ) The payer A connects to the server S of the settlement organization Z such as a bank using the terminal T1 via the communication line and requests the issuance of the electronic file money D. b_1. The clearing house Z issues an electronic file money D composed of an electronic file from the server S and causes the terminal T1 of the payer A to receive the electronic file money D via a communication line. b_2. The payer A can copy and record the electronic file money D on any recording medium in case of loss or theft. c_1. ) At least the file ID, the amount of money data, and the collation data (hereinafter referred to as management data K) are recorded in the electronic file constituting the electronic file money D, and c_
2. ) The management data K and the electronic file money D are recorded in the management file F of the server of the settlement organization as the unconverted money. d_1. ) The payer A causes the terminal T2 of the recipient B to receive the electronic file money D using the terminal T1 via the communication line, and d_2. The recipient confirms the amount. d_3. ) Recipient B can copy and record electronic file money D to any recording medium in case of loss or theft. e_1 '. ) The payer A (when the payer does not perform d. And the recipient does not receive the electronic file money) e_
1. ) Or the above recipient, or an intermediate recipient B (the other recipient when the recipient A causes the terminal of another recipient to receive the electronic file money D via the communication line using the terminal T1). Recipients, lost as well as other recipients,
The electronic file money D can be copied and recorded in an arbitrary recording medium to prepare for theft or the like. ) Connects to the server S of the settlement organization Z via a communication line using a terminal and presents the electronic file money D, and requests rewriting of at least collation data of the management data K. f. ) On the server S, the payment institution Z collates the management data K recorded in the management file F of the server S with the management data K recorded in the electronic file money D and issues the payment institution Z. After confirming that the electronic file money D has been converted, and also confirming that the electronic file money D is unconverted money, the above rewriting is performed. g_1. , G'_1. ) The settlement institution Z requests the rewriting of the rewritten electronic file money D from the server S via the communication line to the payer A.
Alternatively, the terminals T1 and T2 of the recipient or the intermediate recipient B are allowed to receive the information. g_2. ) The payer A or the recipient or the intermediate recipient B who requested the rewriting confirms the amount. g_
3. ) The payer A or the recipient or the intermediate recipient B who requested the rewriting can copy and record the electronic file money D in an arbitrary recording medium in order to prepare for loss or theft. h_1. ) In the rewritten electronic file money D, the management data K is rewritten with the rewritten file ID, the amount data, and the collation data (hereinafter referred to as the rewritten management data), h_2. ) This rewritten management data K is also used to rewrite the management data K in the management file F of the server S of the settlement organization Z. By the rewriting, the copy of the electronic file money D recorded by the payer A, the recipient, or the intermediate recipient B ′ before the rewriting becomes invalid.

I_1. ) The payer or the recipient or the interim recipient of the rewritten electronic file money D uses the terminal and the terminal T of another new recipient C through the communication line.
3 receives the rewritten electronic file money D. i_2. ) The other new recipient C confirms the amount.
i_3. ) Another new recipient C can copy the electronic file money D to any recording medium and record it in case of loss or theft. j. ) Final Recipient (Paymenter A or Recipient or Intermediate Recipient B who did not request rewriting, and Responsible Payer A or Recipient or Intermediate Recipient B who requested rewriting and New Recipient C) , The new recipient C '(the other new receipt when the new recipient causes the terminal of the other new recipient to receive the electronic file money through the communication line using the terminal. Recipients after the person)) connect to the server S of the payment institution Z through a communication line using a terminal and present the electronic file money D to request payment. k_1. ) Payment agency Z
Is an electronic file money D issued by a settlement organization by collating the management data K recorded in the management file F of the server S with the management data K recorded in the electronic file money D on the server S. It is confirmed that the electronic file money D is unconverted money, and k_2. ) According to the cash conversion, the fact that the cash conversion is accepted is recorded in the management file. Electronic file money D recorded by the payer A, the recipient, or the intermediate recipient B ′ and another new recipient C after rewriting by the cash exchange
Will be invalid. Further, it is known that if the data for verification has a sufficiently long bit length, the data does not coincide by chance.

Next, it will be described with reference to FIG. 4 that valid electronic file money cannot be created even if the payment agency data is illegally acquired. a. ) The settlement organization Z issues the electronic file money D.
b. ) When recording the management data in the management file F of the settlement organization Z, at least the collation data of the management data is encrypted and the encrypted management data K2 is recorded. d. )
The issued electronic file money D is transferred between the payer, the recipient, and the intermediate recipient. e. ) The payer, the recipient, and the intermediate recipient present the electronic file money D, and request the clearing house Z for cashing, rewriting, and delivery. f. ) The clearing house uses the presented management data of the electronic file money T,
Above b. Encrypt in the same way as. g. ) Above f. Data K5 of electronic file money D encrypted by
And b. Check the encrypted management data L recorded in the management file F of the clearing house Z to confirm that the file is electronic file money issued by the clearing house.
Subsequent cash exchange, rewriting, and delivery. h. ) The management data recorded in the management file F of the clearing house Z is leaked to the outside due to theft or negligence.
i. ) Because the management data is encrypted, it is not possible to create valid electronic file money. Since it is generally known that the encryption is very difficult to decrypt, the effect is further enhanced by using such an encryption method.

Next, it will be described with reference to FIG. 5 that effective electronic file money cannot be created even if the payment institution data is illegally acquired. a. ) When recording the management data in the management file F of the settlement organization Z, at least the collation data of the management data is encrypted and the encrypted management data K2 is recorded. b. )
The clearing house Z attaches the decryption key G and issues the electronic file money D. d. ) The issued electronic file money D is transferred between the payer, the recipient, and the intermediate recipient.
e. ) The payer, the recipient, and the intermediate recipient present the electronic file money D accompanied by the decryption key G, and request the clearing house Z for cashing, rewriting, and delivery. f. The clearing house decrypts the encrypted management data K2 using the decryption key G attached to the presented electronic file money T. g. ) Above f. The management data K5 recorded in the management file F of the clearing house Z, which is decrypted in step e. Then, the management data K4 of the electronic file money T presented to the settlement institution Z is collated to confirm that the electronic file money is issued by the settlement institution, and thereafter the money is exchanged, rewritten, and handed over. h. ) The management data recorded in the management file F of the clearing house Z is leaked to the outside due to theft or negligence. i. ) Because the management data is encrypted, it is not possible to create valid electronic file money.

Next, it will be described with reference to FIG. 6 that it is difficult to illegally create electronic file money. a. ) When recording the management data in the management file F of the clearing house Z, prepare the master collation data, record it in the master management file M together with the file ID of the management data, and record the master collation data together with the management data in the management file F. To record. b. ) Settlement institution Z receives electronic file money D
To issue. c. ) The issued electronic file money D is transferred between the payer, the recipient, and the intermediate recipient. d. )
The payer, the recipient, and the intermediate recipient present the electronic file money D, and request the clearing house Z for cashing, rewriting, and delivery. e. The clearing house Z checks the presented electronic file money T with the management data K1 recorded in the management file F of the clearing house Z and confirms that the electronic file money is issued by the clearing house. f. ) The settlement organization Z collates the master collation data N1 recorded in the management data K1 with the master collation data N recorded in the master management file M, and if they match, the subsequent cash exchange, rewriting, and delivery. g. ) Even if an unauthorized person intrudes into the server and tries to create electronic file money management data, it will not be effective unless master verification data is created in the master management file.
In particular, if the master management file is placed in a place where a protocol is used, which is inaccessible to the Internet from the outside by using the protocol, or in a highly secure place that cannot be accessed on the Internet, the effect is further enhanced. Further, if the master is further collated with the master collation data, the master collation data is provided, and the master collation data is recorded in the master and the master management.

Next, with reference to FIG. 7, a method of intentionally or negligently tracking fraud based on time and position information in the case of transmission / reception between a payer, a recipient, and an intermediate recipient will be described. In order to simplify the description below, it is assumed that the position information, time information, and terminal information are as of when the electronic file money was received, unless otherwise specified. If you include the record at the time of sending out, you can grasp the position information, time information, terminal information more finely and the tracking will be dense, but the principle does not change. a. ) Payer A requests settlement organization Z to issue electronic file money D. b. ) The settlement organization Z issues the electronic file money D. Initial position information L0, time information T0, and terminal information N0 are recorded in the electronic file money D. c1. ) The payer A sends the electronic file money D to the recipient B via the communication line using the terminal. The electronic file money D stores the following position information L1, time information T1, and terminal information N1. c2. ) Recipient B sends electronic file money D to intermediate recipient C via the communication line using the terminal. The electronic file money D stores the following position information L2, time information T2, and terminal information N2. c3. ) The intermediate recipient C sends the electronic file money D to the final recipient E without using the terminal. When confirming the amount of money with the terminal of the final recipient E, the following position information L3, time information T3, and terminal information N3 are recorded in the electronic file money D. d. ) The final recipient E presents the electronic file money D to the settlement organization Z and requests the electronic file money for cashing, rewriting, and delivery. The electronic file money D includes the position information L4 and the time information T when the final recipient E transmitted.
4 and terminal information N4 are recorded. e. ) The clearing house Z collates the electronic file money D for cash, rewriting, and delivery. f. The management data K1 of the clearing house Z is rewritten or recorded as cashed. g. ) Intermediate recipient C
Sends electronic file money D to the final recipient F of the error without using the terminal. When confirming the amount of money with the terminal device of the final recipient F who made an error, the following position information L5, time information T5 and terminal information N5 are recorded in the electronic file money D.
h. ) The final recipient F of the error presents the electronic file money D to the settlement organization Z and requests the electronic file money for cashing, rewriting, and delivery. Position information L6 at the time of transmission of the final recipient E, time information T6, and terminal information N6 are recorded in the electronic file money D. i. ) The clearing house Z collates the electronic file money D, and the e. ), The money has been exchanged, rewritten, and handed over, so it is rejected without confirmation.

After all, for the electronic file money via the final recipient E, (L1, T1, N1) (L2, T2, N2) (L
3, T3, N3) (L4, T4, N4) is recorded.
On the other hand, (L1, T1, N1) (L2, T2, N2) (L5, T
5, N5) (L6, T6, N6) is recorded. When the recorded position, time information, and terminal information of both electronic file money files are collected and referred to, the position and time information of both are identical except for (L1, T1, N1) (L2, T2, N2). Since I have not done it, I will treat it illegally (L2, T2,
N2) and (L3, T3, N3) or (L5, T5, N
It is presumed that it occurs between the earlier of 5). This estimation can be made only with time information, but if there is position information, it is possible to more advantageously track an illicit person. Even if more payers and recipients are involved, it can be inferred that fraud was made before the first disagreement under the same reasoning. Time, location information, recorded in electronic file money,
The terminal information can be easily prevented from being tampered with by making it difficult to understand, for example, by dispersing the data in units of bytes or bits. The time is reversed,
It is also possible to prevent fraud by invalidating when there is illegal data such as traveling back and forth a large distance many times in a short time. The position information recorded in the electronic file money is realized by incorporating a GPS or PHS position information system into the terminal. The serial number of the device is used as the unique information of the terminal. In addition, the terminal is portable, for example, by inserting a recording medium such as a memory stick into the device and confirming the balance offline, details of use, online cashing, rewriting, delivery, etc. Will get better.

Next, with reference to FIG. 8, a method of intentionally or negligently tracking fraud by time and position information in the case of cashing, rewriting, and delivery of a recipient, an intermediate recipient, and a final recipient will be described. a. ) The settlement organization Z issues the electronic file money D. b. ) Payer A causes Recipient B to receive electronic file money. c. ) Recipient B causes intermediate recipient C to receive the electronic file money. d. ) Recipient,
The intermediate recipient connects to the clearing house Z, presents the electronic file money with the location information of the device and the unique information of the terminal, and requests cashing, rewriting, and delivery.
e. ) The settlement organization Z confirms that the location information of the device and the unique information of the terminal are presented, and then collates and confirms the management data for cashing, rewriting, and delivery. After all, the recipient and the intermediate recipient must connect to the clearing house Z in order to confirm the receipt of money and request cashing, rewriting, and delivery. At that time, the location information, the terminal information, or both of them must be presented to the payment institution, so that the location where the terminal is operated can be known at any time, and it becomes easy to trace fraud and prevent fraud.
The position information presented to the settlement organization is realized by incorporating a GPS or PHS position information system into the terminal.
The serial number of the device is used as the unique information of the terminal.

Next, referring to FIG. 9, when the confirmation data or the password is exchanged between the payment institution and the payer or the payee or the interim payee, the effect of increasing the security of the electronic file money is obtained. explain. a. ) Issuer, rewrite, delivery, payer,
The recipient and the intermediate recipient B receive the electronic file money D from the clearing house Z. b. ) The payer B and the settlement institution Z exchange the electronic file money password or confirmation data. c. ) The payer, the recipient, and the intermediate recipient B request the clearing house Z for cash, rewriting, or delivery.
d. ) Simultaneously with or after the request, the payer, the recipient, and the interim recipient B present the password or confirmation data to the clearing house Z. e. The clearing house Z collates the management data K2 of the electronic file money D1 presented by the payer, the recipient, and the intermediate recipient B with the management data K1 recorded in the management file F of the clearing house Z. f. ) Furthermore, the password or confirmation data presented by the payer, the recipient, or the interim recipient B is compared with the password or confirmation data recorded with the file ID of the electronic file money by the settlement institution, and the subsequent cashing or rewriting. , Hand over. The password is stored by the payer, the recipient, and the intermediate recipient like a bank card and is input each time, but the exchange data is recorded as data on the electronic medium. The password or confirmation data prevents the acquirer from using it even if it is stolen or lost. On the other hand, legitimate payers, recipients, and intermediate recipients can use the copy. In this way, the security of electronic file money can be enhanced.

Next, with reference to FIG. 10, a method of trusting the clearing house when the payer or the recipient or the intermediate receiver connects to the clearing house via the communication line will be described. a. ) The payer, the recipient, or the intermediate recipient A obtains the public key of the clearing house Z from the public key public place Y. b. ) The payer, the recipient, or the intermediate recipient A creates arbitrary data E. c. ) The payer, or the recipient, or the interim recipient is the above b. ), The arbitrary data E created in step a. ) Encrypt with the public key B obtained in). d. ) The payer or recipient,
Alternatively, the intermediate recipient sends the encrypted arbitrary data F to the clearing house Z. e. ) The clearing house Z decrypts the encrypted arbitrary data G transmitted with the private key C which it has confidence. f. ) The clearing house Z uses the decrypted arbitrary data H
Is returned to the payer, or the recipient, or the intermediate recipient A. g. ) Payer, or Recipient, or Intermediate Recipient A is b. ) The arbitrary data E created in) and the decrypted arbitrary data I returned from the settlement institution Z are collated, and if they match, the settlement institution Z is trusted, and subsequent issuance, cash exchange, rewriting, and delivery are performed. To do. The server of the payment institution used for the series of processes does not have to be a server for electronic file money payment. Since the servers of the settlement institutions, which aim to exchange money via communication lines, cannot see each other's faces, it is important to take sufficient measures to prevent spoofing. For that purpose, the method used conventionally is applied.

Next, with reference to FIG. 11, a method of trusting the clearing house when the payer or the recipient or the intermediate receiver connects to the clearing house via the communication line will be described. a1. ) A payer, a recipient, or an interim recipient, (hereinafter referred to as a user) A exchanges a user ID unique to the clearing house Z and the clearing house verification data in advance, and the clearing house Z is the unique user ID exchanged. And the payment agency verification data are recorded in the server S. a2. ) User A also records the exchanged unique user ID and settlement agency verification data in the terminal. b. ) When the user A and the clearing house Z are connected by a communication line, the unique user ID is retrieved from the recorded unique user ID and clearing house collation data, and b2. ) Present to clearing house Z. The clearing house Z uses the presented unique user ID and a1. ), The exchanged unique user ID recorded in the server S is collated with the settlement agency collation data Y, and the settlement agency collation data is taken out. e. ) The clearing house Z sends the clearing house verification data to the user A when the clearing house Z has been taken out. f. ) User A uses the clearing house verification data sent from clearing house Z,
Of the exchanged unique user ID and clearing house verification data recorded in the terminal of the user A, the clearing house verification data is collated, and the clearing house Z is relied upon for issuing, cashing, rewriting, and delivery processing. . The server of the payment institution used for the series of processes does not have to be a server for electronic file money payment. When exchanging the unique user ID with the clearing house verification data in advance, the trustworthiness of the clearing house is sufficient, such as going to the clearing house window or directly connecting to the clearing house by dialing up. Will increase.

Next, with reference to FIG. 12, a method for the settlement institution to issue electronic file money to the payer will be described. a. ) The payer A connects to the server S of the settlement organization Z via a communication line and presents the requested issue amount B.
b. ) The clearing house Z prepares a reservation ID and issue confirmation data, and the payer A together with the transfer destination account number C of the clearing house.
Send to. c. At the same time, the clearing house Z records the above-mentioned issue amount B, reservation ID, and issue confirmation data C. d. ) Payer A temporarily disconnects from the clearing house, and e. ) Present the reservation IDE and transfer the required amount to the transfer destination account H of the clearing house. f. ) Payer A connects to the clearing house again,
The reservation ID and issue confirmation data F are presented. h. ) The clearing house Z confirms the payment to the transfer destination account H and then i. ) Reservation I with the received reservation ID and issue confirmation data G recorded
Collate D with issue confirmation data D. j. ) If the issue confirmation data matches, the electronic file money U is transmitted to the payer A who is connected. The clearing house server used for the series of processes is the last process j. ) Except that it does not need to be a server for electronic file money payment.
e. You can receive and receive electronic file money with a high degree of anonymity without having to go to the counter or store by making an online transfer.

Next, with reference to FIG. 13, a method for the settlement institution to issue electronic file money to the payer will be described. a. ) The payer A connects to the server of the clearing house Z having the account by the payer A through the communication line, presents the requested amount of issue B, and requests the issuance of the electronic file money. b. ) The settlement institution Z confirms the identity of the payer A,
c. ) Withdrawing the required amount from the payer's account C, d. ) Send the electronic file money U to the connected payer A. The clearing house server used for the series of processes is the final process d. ) Except that it does not need to be a server for electronic file money payment. In this process, electronic file money can be issued and received without the need to visit the counter or store.

Next, with reference to FIG. 14, a method for the settlement institution to issue electronic file money to the payer will be described. a. ) The payer A connects to the server S of the settlement organization Z via a communication line and presents the requested issue amount B.
b. The clearing house Z prepares a reservation ID, reservation confirmation data, and issue confirmation data, and sends them to the payer A together with the transfer destination account number C of the clearing house. c. ) At the same time, the clearing house Z issues the above issue amount B, reservation ID, and issue confirmation data C.
To record. d. ) Payer A temporarily disconnects from the clearing house, and e. ) Present the reservation IDE and transfer the required amount to the transfer destination account H of the clearing house. f. ) Payer A connects to the clearing house again and g. ) Present the reservation ID.
h. ) The clearing house Z confirms the payment to the transfer destination account H and then i. ) Present the reservation confirmation data of the received reservation ID to the payer A. j. ) The payer A collates the reservation confirmation data presented by the clearing house Z with C ′. k. )
If the payer A has the same confirmation data,
Present the issue confirmation data to the clearing house Z. l. ) The settlement organization Z collates the issuance confirmation data L presented by the payer A with the issuance confirmation data D recorded in the settlement organization Z, and m. ) If they match, the electronic file money U is transmitted to the payer A who is connected. The clearing house server used for the series of processing is the last processing m. ) Except that it does not need to be a server for electronic file money payment.
e. You can receive and receive electronic file money with a high degree of anonymity without having to go to the counter or store by making an online transfer. f. When reconnecting, the reservation confirmation data is presented by the payment institution and collated by the payer, so the connection destination does not change between the first connection and the second connection.

Next, with reference to FIG. 15, a method for the settlement institution to issue electronic file money to the payer will be described. a. ) The payer A connects to the server S of the settlement organization Z via a communication line and presents the requested issue amount B. b. )
The clearing house Z prepares a reservation ID and sends it to the payer A together with the transfer destination account number C of the clearing house. c. ) The settlement organization Z records the issue amount B, the reservation ID, and the contact information for the payer A. d. ) Payer A disconnects from clearing house Z once, and e. ) Present the reservation ID E and transfer the required amount to the transfer account H of the clearing house. f. ) Payment agency Z
Confirms the payment from payer A from the reservation ID, g. )
The electronic file money U1 is issued and stored in the storage location F on the server of the settlement organization Z. h. The clearing house Z notifies the storage location F to the contact B2 of the payer A. i. ) Payer A reconnects to clearing house Z via a communication line,
j. ) Access storage location F, k. ) The electronic file money U1 is received by the terminal of the payer A. In the series of processes, the server of the settlement institution used to store the electronic file money does not have to be the server for the electronic file money settlement. When the inside of the server is connected through a communication line so that the inside cannot be shown in a list, a storage place that is not easily known to a third party can be created. h. ) Inform the payer of the password at the time of storage, and j. The security is further enhanced by requiring the access restriction by the user ID of the storage location and the password when accessing the storage location.

Next, with reference to FIG. 16, a method of converting electronic file money into cash will be described. a. ) The payer or the recipient who requests the redemption or the intermediate recipient A sends the electronic file money U to the settlement organization Z and requests the settlement. b. ) At that time, specify the transfer destination account of the financial institution. c. ) Settlement institution Z is electronic file money U
Is redeemed for cash, deducts a fee if necessary, and is transferred to the designated transfer destination account number D for payment.

Next, with reference to FIG. 17, a method in which the payer makes a transfer settlement to the recipient will be described. a. ) The payer or the recipient or the interim recipient requesting the settlement of the electronic file money U identifies the new payer A as the new payer A, and notifies the new recipient B of C such as ID and name. . b. ) The new recipient B informs the new payer A of the new recipient's financial institution account number D. c1. ) A new payer A connects to the server S of the settlement organization Z via a communication line, presents the electronic file money U, and requests settlement. c2. At that time, the payer ID or name C of the new payer A and the account number of the recipient B are presented as the transfer destination. d. ) The clearing house Z converts the electronic file money U, deducts the fee if necessary, presents the above ID and name C of the new payer A, transfers it to the bank account E of the new recipient B, and pays. Do

Next, with reference to FIG. 18, a method in which the payer, the payee, and the interim payee securely receive the electronic file money from the clearing house will be described. a. ) By issuing, rewriting, and delivering from the clearing house Z,
The payer, the recipient, and the interim recipient (hereinafter, recipient from the clearing house) A who receives the electronic file money are the clearing house Z.
Public key B of b. ) Recipient A from the payment institution creates the electronic file money addition verification data.
c. ) Recipient A from the settlement institution encrypts the electronic file money addition verification data. d. ) The encrypted electronic file money additional verification data D is transmitted to the clearing house Z. e. ) The settlement organization Z decrypts the encrypted electronic file money additional collation data D with the secret key B2, and f. ) The clearing house Z records in the server together with the file ID of the electronic file money U1 to be received by the recipient A from the clearing house. g. ) The clearing house Z has electronic file money U1 and management data V to be received by the recipient A from the clearing house.
To prepare. h. ) The clearing house Z sends the electronic file money U1 to the recipient A from the clearing house. i1. ) Recipient A from the clearing house uses the above h. ), The electronic file money U1 is presented to the clearing house Z for cashing, rewriting, and delivery. i2. ) At that time, b. The electronic file money additional collation data C created in () is also presented to the clearing house Z. j1. ) The clearing house Z collates the presented management data of the electronic file money U2. j2. ) The payment institution Z is presented with the electronic file money addition verification data F
If the electronic file money is also verified, and it matches the electronic file money additional verification data E recorded in the settlement organization Z, it is recognized as valid electronic file money, and the presented electronic file U2 is cashed, rewritten, or handed over. The above f. The server of the electronic file money addition verification data recorded in) does not need to be a server for electronic file money settlement. Since the electronic file money additional collation data C created by the recipient A from the settlement organization is encrypted with the public key of the settlement organization Z, the electronic file money additional collation data C cannot be decrypted by anyone other than the settlement organization Z. Therefore, when the recipient A from the settlement organization presents the electronic file money U1 for cashing, rewriting, and delivery to the settlement organization Z after receiving the electronic file money U1, the electronic file money additional verification data C can be presented. Is only the recipient A from the clearing house. If the eavesdropper is h. ), The eavesdropper cannot present the electronic file money additional collation data C together with the electronic file money U1 even if the eavesdropper eavesdrops on the electronic file money U1.

Next, with reference to FIG. 19, a method in which the payer, the payee, and the interim payee securely receive the electronic file money from the clearing house will be described. a. ) By issuing, rewriting, and delivering from the clearing house Z,
The public key B is for the payer, the recipient, and the interim recipient (hereinafter, recipient from the clearing house) A who receives the electronic file money.
1 and private key C, b. ) Server S of settlement organization Z
To the public key B1. c. ) Issued by clearing house Z,
The electronic file money for rewriting and delivery is prepared, and the management data V is recorded. d. ) The clearing house Z encrypts the prepared electronic file money with the received public key B2, and e. ) Send to Recipient A from the clearing house.
f. ) Recipient A from the clearing house a. ) Decrypts the encrypted electronic file money U2 received with the secret key C generated in (1). The well-known method of using a public key is applied so that it is safe for eavesdropping during transmission of electronic file money. Eavesdroppers e. ), The electronic file money U1 cannot be decrypted even if it is eavesdropped, so it is safe even if it is eavesdropped. Recipient A from the clearing house uses the generated public and private keys, so
There is no need to obtain the public key of the clearing house Z in advance. Further, it is not necessary to confirm whether the public key of the clearing house Z is reliable.

Next, referring to FIG. 20, the payer, the payee, and the intermediate recipient (hereinafter referred to as "electronic file money payer") who wants to make the designated recipient receive the electronic file money can safely receive the designated recipient. Explain how to pay electronic file money. a. ) A payer, a recipient, an intermediate recipient (hereinafter referred to as an electronic file money payer) A and a designated recipient B who intend to make the designated recipient receive the electronic file money have a common connection I.
Show D and D together. b. ) An electronic file money payer connects to the server S of the settlement organization Z via a communication line,
The electronic file money U1 is transmitted and the delivery is requested.
c. ) At that time, the connection ID and D shown above are clearly presented to the payment institution Z by clearly indicating the payment side. d. )
At the same time, the designated recipient B makes a payment through the communication line to the clearing house Z.
The connection ID and D shown above are presented to the settlement institution Z by explicitly connecting to the server S of FIG.
e. ) The clearing house Z uses the above c. ), The connection ID presented by the electronic file money payer A and the connection ID of the D receiving side are collated to find a matching one. f. ) If there is a match, the electronic file money U2 received by the clearing house Z
, G. ) Send to designated recipient B. Since the electronic file money payer and the designated recipient only present the connection ID, high anonymity is maintained. In addition, the settlement organization guarantees the validity of electronic file money and rewrites it, so high reliability can be maintained. At this time, if the password is exchanged, the security is further enhanced.

Next, referring to FIG. 21, the payer, the payee, and the interim payee (hereinafter, the electronic file money payer) who wants to make the designated recipient receive the electronic file money or the amount of the electronic file money. A method of safely paying the electronic file money or the amount of money held by the electronic file money to the designated recipient will be described. a. ) The designated recipient B registers the recipient ID that identifies the recipient with the clearing house Z and the recipient server or recipient account. b1. ) A payer, a recipient, or an interim recipient (hereinafter referred to as an electronic file money payer) A who intends to cause the designated recipient to receive the electronic file money or the amount of the electronic file money is designated by the designated recipient B as the name of the payer. Of the payer ID and D for identifying the payer of b. ) The designated recipient B notifies the recipient ID and G registered in the clearing house Z. c2. ) The electronic file money payer A connects to the server S of the settlement organization Z via a communication line, presents the payer ID, specifies the recipient IDs, G, and c1. ) Send electronic file money. d. ) The clearing house Z has previously set a. ), Make an inquiry to the recipient information E registered in
If D is found, e. ) Received electronic file money U
2 and f. ) Rewrite the electronic file money U3, g. ) Presenting the payer ID, D and transmitting the payer ID, D to the server S1 that is the recipient of the pre-registered recipient ID, G via the communication line, or h. ) Cash into the recipient account F of the recipient ID, G and deposit.

Next, referring to FIG. 22, a payer, a recipient, and an interim recipient (hereinafter referred to as an electronic file money payer) who wants to make the designated recipient receive the electronic file money or the amount of the electronic file money. Explain how to securely pay electronic file money to designated recipients. a. ) The designated recipient A and the clearing house Z have exchange IDs beforehand.
D and receipt verification data C are exchanged, and clearing house Z records the exchange ID, D and receipt verification data C, b. ) After that, the designated recipient B sends the exchange ID and D to the electronic file money U.
Payer, Recipient, Intermediate Recipient (hereinafter referred to as Electronic File Money Payer) A who intends to make designated recipient B receive 1
To c. ) The electronic file money payer A presents the exchange ID and D to the clearing house Z, and d. ) Payment agency Z
If there is a match with the replacement ID or E recorded in, e. ) Send electronic file money U1,
f. ) The clearing house Z rewrites the received electronic file money U2, and g. ) Record the rewritten electronic file money U3 file ID, exchange ID, and D receipt verification data C, and h. ) The designated recipient B presents the exchange ID, D and the receipt verification data C to the clearing house Z to request transmission of the rewritten electronic file money U3, i. ) The clearing house Z is the recorded exchange I that matches the presented exchange ID, D.
D, D are searched, if there is a match, and if the presented receipt verification data C also matches the recorded receipt verification data C, it is recognized as a valid designated recipient, j. ) Send the electronic file money U3 having the recorded file ID to the designated recipient. If the replacement ID is not a serial number or the like and has a sufficiently long number of digits and is entered by mistake, the safety is enhanced by not hitting another replacement ID. The electronic file money payer A and the designated recipient exchange the payer ID, and when the electronic file money payer A presents the payer ID to the settlement institution Z, the designated recipient receives the electronic file money. By presenting the payer ID to the clearing house when the data is sent and collating the payer ID with the clearing house, it is possible to prevent unintended payment due to a wrong exchange ID.

Next, referring to FIG. 23, a payer, a recipient, and an interim recipient (hereinafter referred to as an electronic file money payer) who wants to make the designated recipient receive the electronic file money or the amount of the electronic file money. Explain how to safely transfer electronic file money to designated recipients. a. ) A payer, a recipient, an intermediate recipient (hereinafter referred to as an electronic file money payer) A who intends to have the designated recipient receive the electronic file money or the amount of the electronic file money.
Connects to the clearing house Z via a communication line, and b. ) Designate the contact D of the designated recipient B as the recipient and send the electronic file money U1 to the settlement institution, c. ) The clearing house Z rewrites the received electronic file money U2, stores it on the server S, and d. ) Notifying the contact E of the designated recipient B of the storage location C, e. ) The designated recipient B connects to the clearing house Z via a communication line to access the storage location, and f. ) Receive the electronic file money U3 from the storage location C.
In the series of processes, the server of the settlement institution used to store the electronic file money does not have to be the server for the electronic file money settlement. When the inside of the server is connected through a communication line so that the inside cannot be shown in a list, a storage place that is not easily known to a third party can be created. d. ) Notify the password to the storage location when notifying the designated recipient, and e. The security is further enhanced by requiring the access restriction by the user ID of the storage location and the password when accessing the storage location.

Next, with reference to FIG. 24, a method of trusting the settlement organization will be described. a1. ) The clearing house Z prepares the clearing house matching data C1 and its copies C2, C3 in advance, and records the clearing house matching data in a plurality of servers S1, S2, S3 of the clearing house Z, b. ) A payer, a recipient, or an intermediate recipient (hereinafter referred to as a user) A connects to a server of at least two of the plurality of clearing houses Z of the clearing house Z to obtain the clearing house verification data, and ． ) If all matching data match, d. ) Connect to one of the connected servers of the clearing house Z for subsequent issuance, cash conversion, and rewriting. It is possible to guarantee the reliability only within the payment institution without using an external reliability assurance institution to obtain the reliability. Hijacking and spoofing multiple servers is significantly more difficult than a single server. If the clearing house verification data C1, C2, and C3 are public keys generated by the clearing house Z, the clearing house can deliver the public key to the user A without using an external guarantor. There is no need to confirm whether or not the external guarantor is trusted, the reliability can be managed inside the clearing house, and the replacement of the public key can also be managed inside the clearing house.

【The invention's effect】

Electronic file money can be easily paid by electric communication means. The recipient can safely confirm the receipt by rewriting the electronic file money and then pay the other party. Theft,
It is easy to make a copy in case of loss. Even if it is stolen or lost, it can recover its value as soon as it is found. In case of emergency, the amount of money lost is limited to the amount of electronic file money. The settlement institution side is highly safe because it only allows the issued electronic file to be redeemed once, and it is also very safe from this aspect because it is difficult to be stolen in a large amount and illegally created. It has a high degree of anonymity with respect to payments, but on the other hand it provides a way to track if it has been used fraudulently or accidentally double used.

[Brief description of drawings]

[Fig.1] Method of issuing, paying, receiving and converting electronic file money

[Fig. 2] Method of issuing, paying, receiving, delivering and converting electronic file money

[Fig. 3] Method of issuing, paying, receiving, rewriting and cashing electronic file money

[Figure 4] Even if the payment agency data is illegally acquired, valid electronic file money cannot be created.

[Figure 5] Unable to create valid electronic file money even if the data of the payment institution is illegally acquired

[Fig. 6] It is difficult to create electronic file money illegally.

[Fig. 7] Method of intentional or negligent fraud tracking by time and location information in the case of transmission / reception between payer, recipient, and intermediate recipient

FIG. 8: Method of tracing fraud by intentional or negligence based on time and location information in the case of cashing, rewriting, and delivery of recipients, intermediate recipients, and final recipients

FIG. 9: The safety of electronic file money is enhanced when the confirmation data or the password is exchanged between the clearing house and the payer or the recipient or the intermediate recipient.

FIG. 10 is a method of trusting a clearing house when a payer or a recipient or an intermediate receiver connects to the clearing house via a communication line.

FIG. 11: A method of trusting a clearing house when a payer or a recipient or an intermediate receiver connects to the clearing house via a communication line.

[Fig. 12] Method of issuing electronic file money by payment institution to payer

[Fig. 13] Method of issuing electronic file money to a payer by a settlement organization

[Fig. 14] Method of issuing electronic file money to a payer by a settlement organization

FIG. 15: Method of issuing electronic file money by payment institution to payer

FIG. 16: Method for converting electronic file money

FIG. 17: Method in which the payer makes a transfer payment to the recipient

FIG. 18: A method in which a payer, a recipient, and an interim recipient securely receive electronic file money from a clearing house.

FIG. 19: A method in which a payer, a recipient, and an interim recipient securely receive electronic file money from a clearing house.

FIG. 20: A method of securely paying electronic file money to a designated recipient by a payer, a recipient, or an interim recipient who intends to make the designated recipient receive the electronic file money.

FIG. 21: The electronic file money or its electronic file money is held securely by the payer, the recipient, and the intermediate recipient who want to make the designated recipient receive the electronic file money or the amount of the electronic file money. How to pay

FIG. 22: A method for a payer, a recipient, or an interim recipient to securely pay electronic file money to a designated recipient who wants the designated recipient to receive the electronic file money or the amount of the electronic file money.

[FIG. 23] A method of securely delivering electronic file money to a designated recipient by a payer, a recipient, or an interim recipient who intends to make the designated recipient receive the electronic file money or the amount of the electronic file money.

FIG. 24: How to Trust a Clearing House

[Explanation of symbols]

[Figure 1] Z clearing house; S clearing house server; F
Management File; A Payer; B Recipient or Interim Recipient; T1 Payer Terminal; T2 Recipient, Intermediate Recipient Terminal; D Electronic File Money

[Figure 2] Z clearing house; S clearing house server; F
Management file; K management data; K'management data after rewriting; A payer; B, B'recipient or interim recipient; T1 payer terminal; T2 recipient; intermediate recipient B terminal T3 recipient, intermediate recipient B'terminal; D management file money;
D'Electronic file money after rewriting

[Figure 3] Z clearing house; S clearing house server; F
Management file; K management data; K'management data after rewriting; A payer; B, B'recipient or interim recipient; T1 payer's terminal; T2 recipient,
Terminal of intermediate recipient B; T3 recipient, intermediate recipient B '
Terminals; D electronic file money; D'electronic file money after rewriting

[FIG. 4] Z settlement organization; S server; F management file; K1 management data before encryption when issued; K
2 Encrypted management data recorded in the management file F of the clearing house Z; K3 Encrypted management data leaked to the outside due to theft, negligence, etc. K4 Management data of issued electronic file money; K5 Verification Electronic file money management data encrypted for

[FIG. 5] Z settlement institution; S server; F management file; K1 management data before encryption when issued; K
2 Encrypted management data recorded in the management file F of the clearing house Z; G Decryption key for decoding the encrypted management data recorded in the management file F of the clearing house Z; K3 Encrypted management data leaked to the outside due to theft or negligence; K4 Management data of electronic file money issued; K5 Management data of electronic file money decrypted for verification

[FIG. 6] Z clearing house; S server; M master management file; N master verification data recorded in N master management file; K1 management data recorded in management file F of clearing house Z; N1 management file F Master verification data recorded in D; issued electronic file money; T presented electronic file money; K2 management data of issued electronic file money

FIG. 7: Z clearing organization; S server; K1 management data recorded in management file F of clearing organization Z; D
Electronic File Money issued; A Payer; B Recipient; C Intermediate Recipient who has made an illegal double payment intentionally or by mistake; D One final recipient of double payment.
E The final recipient of one of the double payment errors; D1 the electronic file money presented first; D2 the electronic file money presented afterwards

FIG. 8: Z clearing organization; S server; K1 management data recorded in management file F of clearing organization Z; D
Electronic file money issued; A Payer; B Recipient; C Intermediate recipient; D1 Electronic file money presented to the clearing house Z

FIG. 9: Z clearing organization; S server; K1 management data recorded in management file F of clearing organization Z; D
Electronic file money issued; K2 Management data recorded in electronic file money D; B Payer or recipient or interim recipient (hereinafter referred to as user); E Electronic file money file exchanged with user B by the payment institution ID
Password or confirmation data recorded with G;
Exchanged password or confirmation data recorded by user B; H Password or confirmation data presented by user B to settlement institution Z; D1 Electronic file money presented by user B to settlement institution Z

FIG. 10: Z clearing house; S clearing house Z server;
A Payer or Recipient or Intermediate Recipient (User); Y Public Location of Public Key; B Public Key of Clearing House Z; C Private Key of Public Key B of Clearing House Z; E Created by User A Arbitrary data; F
Encrypted arbitrary data obtained by encrypting arbitrary data E created by the user A with the public key B of the clearing house Z; G Encrypted arbitrary data received by the clearing house Z; H Clearing house Z
Arbitrary data decrypted by the private key C of I; I Arbitrary decrypted data returned from the clearing house Z

FIG. 11: Z clearing agency; S clearing agency Z server;
A Payer or Recipient or Intermediate Recipient (hereinafter User); B Unique User ID exchanged with Payment Institution Z by User A and Payment Institution Verification Data; Y Payment Institution Z
Unique user ID and clearing agency verification data recorded by user A exchanged in advance; C Unique user ID and clearing organization verification data exchanged by clearing agency Z recorded by user A; Retrieved from DC Unique user ID; E
Unique user ID presented to the clearing house Z; F Clearing house verification data for E recorded by the clearing house; G
Settlement agency verification data sent from settlement agency Z to user A

FIG. 12: Z clearing house; S clearing house Z server;
A Payer; T Terminal of Payer A; B Issue amount requested by Payer A; C, C'Preparation based on the request of Payer A by Settlement Institution Z; Reservation I presented
D; Issue confirmation data and the payment institution Z's transfer destination account;
D Issuance amount requested by payer A recorded on the server of settlement institution Z, the above reservation ID, and issuance confirmation data; E
Reservation ID retrieved by payer A from C'to present to clearing house Z; H Transferee account of clearing house Z; F
Reservation ID and issue confirmation data retrieved by payer A from C '; Reservation ID and issuance confirmation data received by payment institution Z from payer A; U Electronic file money issued

FIG. 13: Z settlement institution; S settlement institution Z server;
A Payer; T Terminal of Payer A; B Issuance amount requested by Payer A; C Account opened by Payer A in settlement period Z; A clearing house Z account; U issued electronic file money

FIG. 14: Z clearing house; S clearing house Z server;
A Payer; T Terminal of Payer A; B Issuance amount requested by Payer A; C, C'Reservation ID prepared and presented by the clearing house Z based on the request of Payer A,
Reservation confirmation data, issue confirmation data and transfer destination account of settlement institution Z; D Issue amount requested by payer A recorded in the server of settlement institution Z and the above reservation ID, reservation confirmation data, issue confirmation data E Reservation ID retrieved from payer A from C'to present to clearing house Z; H
Bank account of clearing house Z; F Reservation ID retrieved by payer A from C '; G Clearing house Z is payer A
Reservation ID received from I; Reservation confirmation data referred to by the settlement institution Z from D; J Reservation confirmation data received from the settlement institution Z by the payer A; K Payer A
Issuance confirmation data referenced by C '; L Issuance confirmation data presented to the clearing house Z from the payer A; U
Electronic file money issued

FIG. 15: Z clearing house; S clearing house Z server;
A Payer; T Payer A's terminal; B1
Issuer amount requested by the payer A; B2 Contact information of the payer A presented by the payer A; C, C'Preparation based on the request of the payer A by the clearing house Z; Reservation I presented
D and the payment institution Z's transfer destination account; D The payment amount requested by the payer A recorded on the server of the payment institution Z, the above reservation ID, and contact information to the payer A; E The payer A presents the payment institution Z The reservation ID retrieved from C'to
H Bank account of clearing house Z; F Storage place on the server of clearing house Z that is not easily known to third parties; U1
Electronic file money issued by the clearing organization Z and stored in F; G Storage location F of electronic file money U1 notified to the payer A by the clearing organization Z; U2 Payer A
Electronic file money received from F

FIG. 16: Z clearing house; S clearing house Z server;
A Payer or Recipient or Intermediate Recipient (hereinafter “Cash Requester”) requesting cash exchange; T Terminal device of cash requester A;
D Cash Requester A Account Number; U Electronic File Money

FIG. 17: Z clearing house; S clearing house Z server;
A new payer; T new payer A's terminal; B new payee; C new payer ID, name, etc .; D new payee B account number; U electronic file money; E New recipient B
Account of

FIG. 18: Z clearing house; S clearing house Z server;
A Issued, rewritten, and delivered by the clearing house Z;
Payer, Recipient, Intermediate Recipient (Recipient from the clearing house) that receives electronic file money; T Recipient A terminal from the clearing house; B1 Public key of clearing house Z; B2 Clearing house Z Secret key; C Electronic file money additional collation data created by recipient A from the clearing house; D Electronic file money additional collation data obtained by encrypting the electronic file money additional collation data C with the public key B of the clearing agency Z; E Decoded electronic file money additional collation data recorded together with the file ID of the electronic file money received by the server S of the settlement organization Z;
V Management data recorded by the settlement institution Z of electronic file money received by the recipient A from the settlement institution Z; U1 Electronic file money received by the recipient A from the settlement institution Z; U2 From the settlement institution Z Electronic file money presented to the clearing house Z after receiving the electronic file money; F Electronic file money additional verification data presented to the clearing house Z at that time

FIG. 19: Z clearing house; S clearing house Z server;
A Issued, rewritten, and delivered by the clearing house Z;
Payer, Recipient, Intermediate Receiver (Recipient from the clearing house) who receives electronic file money; T Terminal of Recipient A from the clearing house; B1 Terminal of Recipient A from the clearing house T Generated public key; C Private key that is also paired with the public key; V Settlement institution Z
Management data recorded in: U1 Electronic file money encrypted by the clearing house Z; Electronic file money received by the recipient A from the U2 clearing house; Electronic file money decrypted by the recipient A from the U3 clearing house

FIG. 20: Z clearing house; S clearing house Z server;
A electronic file money payer; B designated recipient;
T1 Terminal of electronic file money payer A; T2
Terminal of designated recipient B; D Common connection ID shown by electronic file money payer and designated recipient in advance;
C1 Common connection ID presented by the electronic file money payer; C2 Connection I presented by the designated recipient B
D; U1 electronic file money payer presents electronic file money; U2 electronic file money payer A
Electronic file money presented by the settlement institution Z; U3
Electronic file money collated and rewritten by the clearing house Z;
Electronic file money received by U4 designated recipient

FIG. 21: Z clearing house; S clearing house Z server;
A electronic file money payer; B designated recipient;
T1 Terminal of electronic file money payer A; S1
Server of designated recipient B; D Payer I, such as name of payer to identify electronic file money payer
D; D3 Similarly, the payer I presented when the electronic file money is sent to the designated recipient or when the deposit is made.
D: G Recipient ID that identifies the recipient registered with the clearing house Z by the designated recipient; C Recipient ID and payer I presented by the electronic file money payer A to the clearing house Z
D; E Recipient ID, recipient server information, recipient account recorded in the settlement institution Z at the time of recipient registration; F Receiving account of designated recipient B registered in the settlement institution Z; U1 Electronic file money payer A Electronic file money used for payment by U2; Electronic file money sent by U2 electronic file money payer A to clearing house Z; U3 Electronic file money rewritten by clearing house Z; U4 Designated recipient B received from clearing house Z Electronic file money

FIG. 22: Z clearing house; S clearing house Z server;
A electronic file money payer; B designated recipient;
T1 Terminal of electronic file money payer A; T2
Terminal of designated recipient B; C Receipt verification data exchanged between designated recipient B and clearing house Z; D Similarly, exchange ID exchanged between designated recipient B and clearing organization Z; U1 electronic file money payer A makes settlement Electronic file money presented to the institution Z; U2 Electronic file money Electronic file money presented by the payer A to the clearing organization Z; U3 Electronic file money Electronic file money presented by the payer A to the clearing organization Z; U4 designation Electronic file money received by the recipient B; E Receipt verification data and exchange ID recorded at the clearing house Z; F Electronic receipt money and exchange ID recorded at the clearing house Z; Electronic file money recorded with E File ID

FIG. 23: Z clearing house; S clearing house Z server;
A electronic file money payer; B designated recipient;
T1 Electronic File Money Payer A Terminal; T
2 Terminal of designated recipient B; C Storage location within the server of settlement institution Z; D Contact information of designated recipient B; Contact information of designated recipient B; U1 Electronic file money payer A is settled by settlement institution Z Electronic file money to present; U2
Electronic file money Electronic file money presented by the payer A to the clearing organization Z; U3 Electronic file money Presented by the payer A to the clearing organization Z; Rewritten electronic file money; U4 Electronic file money received by the designated recipient B

FIG. 24: Z clearing house; S1; S2; S3 server of clearing house Z; A payer;
Intermediate recipient (hereinafter referred to as user); T Terminal of user A; C1 Settlement institution verification data prepared by the settlement institution Z and recorded in the server S1; C2 Settlement institution collation prepared by the settlement institution Z and recorded in the server S2 Data: Settlement agency collation data prepared by C3 settlement organization Z and recorded in server S3.

─────────────────────────────────────────────────── ─── Continued Front Page (51) Int.Cl. ⁷ Identification Code FI Theme Coat (Reference) H04L 9/32 H04L 9/00 673A

Claims (24)

[Claims] 1. An electronic file money payment system comprising the following a to f. a. The payer uses a terminal device to connect to a server of a payment institution such as a bank via a communication line and requests the issuance of electronic file money. b. The clearing house issues electronic file money composed of electronic files from the server and causes the terminal of the payer to receive the electronic file money via the communication line. c. In the electronic file that constitutes the electronic file money, at least a file ID, an amount of money data, and verification data (three parties are referred to as management data) are recorded.
It is recorded in the management file of the server of the settlement organization that this management data and the electronic file money are unconverted money. d. The payer causes the recipient's terminal to receive the electronic file money via the communication line using the terminal, and the recipient confirms the amount. e. The payer (when the payer does not perform d. And does not allow the recipient to receive the electronic file money) or the recipient or an intermediate recipient (where the recipient uses a terminal device through a communication line, etc.) When the recipient's terminal receives the electronic file money, the other recipients and subsequent recipients) connect the electronic file money to the server of the settlement organization via the communication line using the terminal. Present and request payment. f. On the server, the clearing organization checks the management data recorded in the management file of the server with the management data recorded in the electronic file money to confirm that the electronic file money is issued by the clearing organization. At the same time, it is confirmed that the electronic file money has not been converted into cash, and the fact that the electronic file money has been converted into cash is recorded in the management file. 2. An electronic file money settlement system comprising the following a to j. a. The payer uses a terminal device to connect to a server of a payment institution such as a bank via a communication line and requests the issuance of electronic file money. b. The clearing house issues electronic file money composed of electronic files from the server and causes the terminal of the payer to receive the electronic file money via the communication line. c. In the electronic file that constitutes the electronic file money, at least a file ID, an amount of money data, and verification data (three parties are referred to as management data) are recorded.
It is recorded in the management file of the server of the settlement organization that this management data and the electronic file money are unconverted money. d. The payer causes the recipient's terminal to receive the electronic file money via the communication line using the terminal, and the recipient confirms the amount. e. The payer (when the payer does not perform d. And does not allow the recipient to receive the electronic file money), the recipient, or the intermediate recipient (where the recipient uses a terminal device through a communication line). When the other recipient's terminal receives the electronic file money, the other recipients and subsequent recipients) connect the electronic file money to the server of the settlement organization via the communication line using the terminal. And the recipient is designated to request rewriting of at least the collation data in the management data. f. On the server, the settlement institution collates the management data recorded in the management file of the server with the management data recorded in the electronic file money, and confirms that the file is an electronic file money issued by the settlement institution. At the same time, the electronic file money is confirmed to be unconverted money, and the rewriting is performed. g. The settlement institution causes the terminal of the designated recipient to receive the rewritten electronic file money from the server through the communication line. (Hereinafter, the actions of e., F., And g. Are referred to as the delivery of electronic file money.) H. File ID after rewriting in the above electronic file money after rewriting
The management data is rewritten with the data of the amount of money and the data for verification (hereinafter referred to as the management data after rewriting), and the management data of the management file of the server of the settlement institution is also rewritten with the management data after the rewriting. i. Designated Recipient or Intermediate Recipient (When the designated Recipient causes the other Recipient's terminal to receive the electronic file money through a communication line using the terminal, the Recipient after the other Recipient ) Uses a terminal to connect to the server of the settlement organization via the communication line and presents the electronic file money to request settlement. j. On the server, the clearing organization checks the management data recorded in the management file of the server with the management data recorded in the electronic file money to confirm that the electronic file money is issued by the clearing organization. At the same time, it is confirmed that the electronic file money has not been converted into cash, and the fact that the electronic file money has been converted into cash is recorded in the management file according to the conversion. 3. An electronic file money settlement system comprising the following a to k. a. The payer uses a terminal device to connect to a server of a payment institution such as a bank via a communication line and requests the issuance of electronic file money. b. The clearing house issues electronic file money composed of electronic files from the server and causes the terminal of the payer to receive the electronic file money via the communication line. c. In the electronic file that constitutes the electronic file money, at least a file ID, an amount of money data, and verification data (three parties are referred to as management data) are recorded.
It is recorded in the management file of the server of the settlement organization that this management data and the electronic file money are unconverted money. d. The payer causes the recipient's terminal to receive the electronic file money via the communication line using the terminal, and the recipient confirms the amount. e. The payer (when the payer did not perform d. And did not send the electronic file money to the recipient) or the recipient, or the intermediate recipient (where the recipient uses a terminal device through a communication line, etc.) When the recipient's terminal receives the electronic file money, the other recipients and subsequent recipients) connect the electronic file money to the server of the settlement organization via the communication line using the terminal. At least one of the above management data is requested to be rewritten. f. On the server, the settlement institution collates the management data recorded in the management file of the server with the management data recorded in the electronic file money, and confirms that the file is an electronic file money issued by the settlement institution. At the same time, the electronic file money is confirmed to be unconverted money, and the rewriting is performed. g. The settlement organization causes the rewritten electronic file money to be received from the server via the communication line to the terminal of the payer, the recipient, or the interim recipient who requested the rewriting. (Hereinafter, the actions of e., F., And g. Are referred to as rewriting of electronic file money.) H. In the rewritten electronic file money, the management data is rewritten with the rewritten file ID, the amount data, and the verification data (hereinafter referred to as management data after rewriting), and the management data after rewriting is used for managing the server of the settlement institution. The management data of the file is also rewritten. i. The payer, the recipient, or the intermediate recipient of the rewritten electronic file money causes the terminal of another new recipient to receive the rewritten electronic file money through the communication line using the terminal. j. Final recipient (the payer or recipient or interim recipient who did not request rewriting, the payer or recipient or interim recipient who requested rewriting, the new recipient, the new recipient) (If the new recipient uses the terminal to cause the terminal of the other new recipient to receive the electronic file money via the communication line, the recipient after the other new recipient)) A terminal is used to connect to a server of a payment institution via a communication line to present the electronic file money to request payment. k. On the server, the clearing organization checks the management data recorded in the management file of the server with the management data recorded in the electronic file money to confirm that the electronic file money is issued by the clearing organization. At the same time, it is confirmed that the electronic file money has not been converted into cash, and the fact that the electronic money has been converted is recorded in the management file. 4. The method according to claim 1, claim 2, or claim 3 c. In, in the management file of the settlement agency server,
At least the verification data of the management data is encrypted, and the f. , Claim 2 and claim 3 f. And j. In claim 1, when collating with the electronic file money management data, the electronic file management data is encrypted by the same method, and the encrypted data is collated with each other. system. 5. The method according to claim 1, claim 2, or claim 3 c. 7. At least the collation data among the file ID of the management data, the amount of money, and the collation data recorded in the management file of the settlement institution is encrypted, and the decryption key is attached to the electronic file money. The electronic file money settlement system according to claim 1, claim 2, and claim 3. 6. The method according to claim 1, claim 2, or claim 3 c. In the above, the file ID of the electronic file to be issued and the master collation data are recorded in a master management file different from the management file of the settlement institution, and the master collation data is stored in the management file of the settlement institution together with the management data. Record,
F. Of claim 1 , Claim 2 and claim 3 e. And i.
In, file ID of electronic file money, amount of money,
When collating with the collation data, it is collated whether the master collation data recorded in the management file of the settlement institution matches the one recorded in the master management file, and it is recognized as valid only when they coincide. , Claim 2, claim 3
Electronic file money payment system. 7. The d. Of claim 1, claim 2, and claim 3. At the time of sending electronic file money to the recipient or confirming the amount of electronic file money, the time the payer sent, the time the recipient received, the time the amount was confirmed, the payer, the recipient 3. The information on the location of the used terminal, and all or part of the unique information of the terminal is recorded in the electronic file money.
Electronic file money payment system. 8. The e. E. Of claim 2. And i. ,
E. , J. In, the electronic file money is presented to the server of the payment institution via the terminal and the information of the location of the terminal used when requesting cash exchange, rewriting or delivery, or the unique information of the terminal or both are presented. The electronic file money settlement system according to claim 1, claim 2, or claim 3. 9. The b. , Claim 2 and claim 3 b. , G. In, the confirmation data or password is exchanged between the settlement institution and the payer or the recipient or the intermediate recipient, and the settlement institution records the confirmation data or the password together with the file ID of the electronic file money,
E. E. Of claim 2. And i. E., Claim 3 e. , J. At the time of cashing, rewriting, and delivery, show the confirmation data or password, and if it matches with the one recorded by the clearing house, it is regarded as a valid electronic file, and the electronic file is recognized for cashing, rewriting, and delivery. The electronic file money settlement system according to claim 1, claim 2, or claim 3. 10. The a. , E. , Claim 2 a. , E. , I. Claim 3 a. , E. , J. In, when the payer, the recipient, or the intermediate recipient (hereinafter referred to as the user) connects to the server of the clearing house via the communication line, the user's arbitrary data is encrypted with the public key issued by the clearing house. The encrypted data is sent to the clearing house, and the clearing house decrypts the encrypted data with its own private key and sends it back to the user. The electronic file money settlement system according to claim 1, claim 2 or claim 3, wherein it is confirmed whether they match, and if they match, the subsequent issue, cash conversion and rewriting are performed. 11. The method according to claim 1, a. , E. , Claim 2 a. , E. , I. Claim 3 a. , E. , J. When connecting to a clearing house via a communication line and requesting issuance, rewriting, or cash conversion, the payer or recipient who requests the issuance or rewriting, or the interim recipient (hereinafter referred to as the user) and the clearing house are set in advance. , A unique user ID for each user and a clearing house matching data linked to the user ID are exchanged, and the clearing house records the user ID and the clearing house matching data, and from the user to the user ID. If the above is presented, the above payment agency verification data recorded in the payment agency is returned to the user, and the user confirms whether the returned payment agency verification data matches the exchanged payment agency verification data, The electronic file money settlement system according to claim 1, claim 2, or claim 3, wherein issuance, cash conversion, and rewriting are performed only when they match. 12. A method according to claim 1, claim 2 or claim 3. At the time of issuing the electronic file money, the payer connects to the server of the clearing house via the communication line and presents the requested amount of money to be issued. After receiving the transfer account number, the clearing house also records the above issued amount, reservation ID, and issue confirmation data, temporarily disconnects from the clearing house, presents the reservation ID, and is required for the clearing house transfer account. Transfer the amount of money,
Reconnect to the clearing house, present the reservation ID and the issue confirmation data, and after the clearing organization confirms the payment to the above transfer destination account, collates the reservation ID and the issue confirmation data, and if they match, The electronic file money settlement system according to claim 1, claim 2 or claim 3, which transmits electronic file money to a connected payer. 13. A method according to claim 1, claim 2 or claim 3. When issuing an electronic file money, the payer connects via a communication line to the server of the clearing house in which the payer has his / her own account, presents the requested amount of money to be issued, and the clearing house confirms the identity of the payer. The electronic file money settlement system according to claim 1, claim 2 or claim 3, wherein the required amount is deducted from the account of the payer and electronic file money is transmitted to the connected payer. 14. A method according to claim 1, claim 2, or claim 3 a. At, the payer connects to the server of the clearing house via the communication line, presents the desired amount of issue, and receives the reservation ID, the issue confirmation data, the reservation confirmation data, and the bank account number of the clearing house from the clearing house, The same data is recorded at the clearing house, the connection with the clearing house is disconnected, the reservation ID is presented, the required amount is transferred to the clearing house account, and the reservation ID is presented again by connecting to the clearing house server. , The clearing house confirms the payment, presents the reservation confirmation data to the payer, and compares it with the reservation confirmation data previously received,
If they match, the payer presents the issuance confirmation data to the clearing house, and the clearing house collates the reservation ID with the recorded issuance confirmation data. If the issuance confirmation data match, the payment is connected. The electronic file money settlement system according to claim 1, 2 or 3, which transmits electronic file money to a person. 15. A method according to claim 1, claim 2, or claim 3 a. At, the payer connects to the server of the clearing house via the communication line, presents the desired issue amount and his / her contact information, and the clearing house sends the reservation ID and the bank account number of the paying company to the payer. In addition, the reservation ID, the amount issued, and the contact information for the payer are recorded. The payer temporarily disconnects from the clearing house, presents the reservation ID, and transfers the necessary amount to the clearing house transfer account. , The payment institution issues electronic file money after confirming the payment from the reservation ID, stores it in the place on the server of the payment institution, informs the payer's contact information of the storage location, and the payer communicates with the payment institution. The electronic file money settlement system according to claim 1, claim 2, or claim 3, wherein the electronic file money is connected via the Internet and receives the electronic file money from the storage location. 16. The method of claim 1, e. , F. I., I. , J. , J. Of claim 3. , K. In step 1, a payer or a receiver or an interim recipient who requests the settlement of electronic file money (hereinafter referred to as a settlement requester) designates a transfer destination account of a financial institution and transmits the electronic file money. Claim 1, claim 2, claim 3 for cashing and transferring to the designated transfer destination account
Electronic file money payment system. 17. The method according to claim 1, e. , F. I., I. , J. , J. Of claim 3. , K. In the above, the payer or the recipient who requests the settlement of the electronic file money or the interim recipient (hereinafter referred to as the settlement requester) transfers the payment to the account of the financial institution that specifies the amount, and at that time, the finance of the new recipient. The account of the institution is designated, the payment requester becomes the new payer, and the new payer is specified in advance.
D, name, etc. are notified to the new recipient, the new recipient informs the new payer of the new recipient's account number, and the new payer connects to the clearing house server via the communication line. , Present the above-mentioned ID and name of the new payer,
Send the electronic file money by specifying the new recipient's account number, the clearing house converts the electronic file money, presents the ID and name of the new payer, and transfers it to the new recipient's account. The electronic file money payment system according to claim 1, claim 2 or claim 3, wherein payment is performed. 18. A method according to claim 1, claim 2 or claim 3 a. ,
b. , E, g. In the case of connecting to a clearing house via a communication line, and requesting issuance, rewriting, and delivery, the payer who receives the electronic file money from the clearing house or the recipient or the intermediate recipient (hereinafter referred to as the receipt from the clearing house). Person)
Uses the public key issued by the clearing house to encrypt the electronic file money additional verification data created by the recipient from the clearing house and sends it to the clearing house.The clearing house decrypts the electronic file money additional verification data with the private key. File I of electronic file money that is issued, rewritten, and handed over
Electronic file money that has been recorded, issued, or rewritten with D is sent to the recipient from the clearing house, and the subsequent recipients from the clearing organization requesting new cash, rewriting, or delivery will receive the electronic file money. In addition, the electronic file money additional verification data is presented to the clearing house, and the clearing house records the added electronic file money additional verification data together with the presented electronic file money management data in the clearing house. The electronic file money settlement system according to claim 1, claim 2 or claim 3, wherein if the two coincide with each other, the electronic file money is recognized as valid, and the presented electronic file is processed for cashing, rewriting and delivery. 19. A method according to claim 1, claim 2 or claim 3 a. ,
b. , E, g. In the case of connecting to a clearing house via a communication line, and requesting issuance, rewriting, and delivery, the payer who receives the electronic file money from the clearing house or the recipient or the intermediate recipient (hereinafter referred to as the receipt from the clearing house). Person)
Sends the public key generated by the recipient from the clearing house to the clearing house, and the clearing house encrypts the issued or rewritten electronic file money with the public key, and the encrypted electronic file money from the clearing house Send to recipient,
The electronic file money settlement system according to claim 1, claim 2 or claim 3, wherein the recipient from the settlement institution decrypts the electronic file money with the private key paired with the generated public key. 20. The e. , F. , G. At
The payer, or the recipient, or the interim recipient (hereinafter, electronic file money payer) who intends to make the designated recipient receive the electronic file money, and the designated recipient previously indicate a common connection ID, and the electronic file money With the payer,
At the same time, the designated recipient connects to the server of the clearing house via the communication line, and the electronic file money payer is clearly shown to be the payer, and the connection ID shown above is presented to the clearing house as the designated recipient. , The designated recipient clearly shows that it is the recipient and presents the connection ID shown above to the clearing house, and the clearing organization collates the connection IDs presented by both parties and searches for a match, and there is a match. In the case, the electronic file money is received from the electronic file money payer, rewritten, and the rewritten electronic file money is transmitted to the designated recipient having the same connection ID. 21. The e. , F. , G. At
Recipient I whose designated recipient identifies the recipient to the clearing house in advance
D and the payee, the recipient, and the interim recipient (hereinafter referred to as the electronic file money payer) who register the recipient's server or the recipient's account and want the designated recipient to receive the electronic file money. To the payer ID that identifies the electronic file money payer, such as the name of the electronic file money payer, and the electronic file money payer connects to the server of the payment institution through the communication line and presents the payer ID. , Send the electronic file money by specifying the recipient ID, the settlement institution rewrites the electronic file money, presents the rewritten electronic file money with the payer ID, and the recipient of the pre-registered recipient ID 3. The electronic file money payment system according to claim 2, wherein the electronic file money is transmitted to the server via a communication line or is converted into a recipient account of a recipient ID for deposit. 22. The e. , F. , G. At
The designated recipient and the clearing house exchange the exchange ID and the receipt verification data in advance, and the clearing organization records the exchange ID and the receipt verification data, after which the designated recipient receives the replacement ID and designates the electronic file money. The payer, the payee, and the interim payee (hereinafter referred to as "electronic file money payer") who intends to make the recipient accept the electronic file money payer presents the exchange ID to the clearing house and records it in the clearing house. If there is a match with the exchange ID, the electronic file money is transmitted, the clearing house rewrites the electronic file money, and records the file ID of the electronic file money, the exchange ID, and receipt verification data, The designated recipient presents the exchange ID and receipt verification data to the clearing house and requests the transmission of electronic file money, and the clearing house matches the presented replacement ID. Search the recorded exchange ID, if there is a match, and if the presented receipt verification data also matches the recorded receipt verification data, it is recognized as an authorized designated recipient, and the electronic file money of the recorded file ID The electronic file money payment system according to claim 2, wherein the electronic file money payment system transmits the information to a designated recipient. 23. The e. , F. , G. At
A payer, a recipient, and an interim recipient (hereinafter referred to as an electronic file money payer) who intends to receive electronic file money from a designated recipient connect to a clearing house via a communication line,
The designated recipient's contact information is designated as the recipient, and the electronic file money is sent to the clearing organization, which rewrites the electronic file money and stores it on the server, and the storage location is sent to the designated recipient's contact information. 3. The electronic file money settlement system according to claim 2, wherein the designated recipient connects to the settlement organization via a communication line and receives the electronic file money from the storage location. 24. The a. , E. , Claim 2 a. , E. , I. Claim 3 a. , E. , J. In, when the payer, the recipient, or the intermediate recipient (hereinafter referred to as the user) connects to the server of the clearing house via the communication line, the clearing house prepares the clearing house collation data in advance,
The settlement agency verification data is recorded on a plurality of servers of the settlement agency, the user connects to the at least two or more servers of the settlement agency to acquire the settlement agency verification data, and all the verification data match. In that case, the electronic file money payment system according to claim 1, claim 2, or claim 3, wherein the electronic file money payment system is connected to one of the connected servers of a payment institution to perform subsequent issuance, cash conversion, or rewriting.