JP2003233762A - System providing electronic check and money and electronic bill settlement by providing transaction agent between payer and payee and using internet, password number fingerprint system replacing password number and visual telephone type atm system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system providing an electronic check and money and an electronic bill settlement via a transaction agent by safely using the Internet, and providing content deposit and withdrawal from a remote place by a password number fingerprint replacing a password number and a broadband visual telephone type ATM system. <P>SOLUTION: When using the electronic money, electronic check or electronic bill, a member deposits cash into a transaction agent account or receives a certification of payment of a financial institution, and the electronic money is issued to an electronic net money account. The member receives authentication of the transaction agent by Internet communication. The transaction agent carries out a settlement by transferring the electronic net money into an electronic net money account of a payee by an instruction of the authenticated member. Service points are transferred into a net point account of the payee by using a store ID authenticated by a store card, payee card ID data, and a visual telephone type ATM terminal or the like. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

Electronic check & money, electronic bill CEM card (IC card) system Both electronic check & money payer and recipient become CEM center members. The CEM Center issues cash, electronic checks & money in lieu of checks, and CEM cards to each member. Separately, the CEM card is printed with a facial photograph that incorporates patent pending fingerprints, transaction history, recitation fingerprints (numbers are also possible), member ID, etc. There are two types of usage patterns for electronic checks and money. Checks and money are used online.
(Virtual settlement) When depositing cash and deposits to the CEM Center account, the usage pattern of cash and deposits will change to. Make deposits / withdrawals / payments online. To a CEM card via a videophone ATM terminal, and from the CEM card to CE as an electronic check & money
M. Move to card and use. There are two types of electronic bill usage patterns. Use as electronic bills on the net. (Virtual payment) Receive an electronic note book online from the CEM center, and
Use the electronic bill by drawing it through the EM center. CE of electronic bills via videophone ATM terminals
Draw out to M. card and move from CEM card to CEM card for use. Deposit check guarantee system for electronic checks & money CEM Center deposits cash and deposits and issues electronic checks & money
The center treats the deposit from the account of the affiliated financial institution as a restricted deposit of the affiliated financial institution that cannot be withdrawn by the CEM center alone. Taxes, money laundering, etc. are handled in principle by depositing members to the CEM Center and paying from the CEM Center to members.For members who need to be surveyed, transfer from the CEM Center to the member transaction financial institution account. It is possible to investigate sales etc. by investigating the transfer contents. In addition, regarding fraud prevention such as money laundering, electronic checks & money can be saved as deposits, and all data can be stored up to transfer to a financial institution account, making it difficult for criminals to handle. Is. Description of terminal equipment Videophone ATM at the same level as a financial institution counter A videophone with broadband internet connection and an ATM linked with a fingerprint scanner allow even elderly people who have difficulty in depositing and withdrawing by videophone to the C.M. You can talk and proceed. ATMs that do not handle cash
Therefore, there is no management cost, no need for cash maintenance, no need to make ATMs into private rooms, ATMs without cash can be installed in places with a lot of people, and cheap internet charges can be used. If you have a fingerprint scanner and a computer with a videophone function, you can deposit, withdraw, and make payments from your company or home. Deposit /
At the time of withdrawal, the CEM center staff can check the security face-to-face with a videophone. Security measures Among the electronic checks and money, the electronic money drawn out to the CEM card is continuously distributed, but the single-use limit is a small amount (about 130,000 yen), and the amount exceeding that amount is paid by electronic check. In principle. (The crime is prevented by tracking the history of high-priced electronic checks.) Electronic checks are distributed only once from the payer to the payee, and the payee temporarily deposits at the CEM center. (Payment to multiple payments is possible. Security system that uses check distribution history. Closed loop type. In the case of electronic money, payer A to payee B to payee C can be continuously distributed. Open loop type) When withdrawing by videophone ATM terminal, CE
Fingerprint and IC for personal identification number by communicating with M. Center
A security system that can also verify the fingerprints used to identify yourself in a card. Even if the fingerprint data is stolen, it is not known which fingerprint is used for the PIN code fingerprint, and even if the fingerprint is stolen with oil paper or the like, it cannot be used in front of the videophone. Furthermore, it is also possible to collate face photos registered in the CEM Center. The CEM card is a payment system that allows people who cannot use the Internet to authenticate with photos, fingerprints, history, etc., using videophone ATM terminals. In addition, anyone who can use the Internet can use online account electronic checks &
A security system that uses money and can combine email passwords, login passwords, etc. The CEM card security system can be easily used in combination with other IC cards because the program stored in the IC card can be small and independent. These system operating costs will be received from the payee with a target of 1% of the electronic check & money settlement amount. Supplementary explanation 1 Proxy payment system (separately applied for a patent) Normally, transactions are terminated between the payer and payee, but the proxy payment system allows a trusted third party CEM center (City Electronic Money Center) enters the middle and confirms transactions until settlement, and adopts a cooling-off system. Supplementary explanation 2 Security system by fingerprint collation (separately applied for patent) As a method of confirming the identity, such as identification, the fingerprint data of the person is registered in the IC in the card. When the IC card is used, the terminal is provided with the function of reading the fingerprint data of the card holder, and the fingerprint data registered in the IC card is compared with the owner data. A fingerprint matching system that does not need to register a lot of fingerprint data in the server and verify it by communicating with the server when verifying your identity. Supplementary explanation 3 Transaction history collation system (patent pending) Money used as electronic check & money to CEM card, usage date and time from start of use to deposit at CEM center, user and recipient ID, amount used, etc. Record) from the IC in the card to the CEM center via the ATM terminal. When depositing / withdrawing from an electronic check & money IC card to the CEM center, the use history of the previous electronic check recorded in the IC and the record of the CEM center are compared. And prevent crime. In addition, the data in the IC can be damaged and the lost data can be restored. In addition, since it is easy to detect who used it at which store from historical data, it can be used as a point system, and can also be used as eco-money (local currency) if the conversion rate to money is taken into consideration. . Electronic check proxy payment method Flow of face-to-face electronic check & money payment Example Payer A transfers the amount to be paid by electronic check & money to the financial institution account of the CEM Center. The CEM Center accepts the deposit of
Member net account (displays electronic check and electronic money in passbook format on My Page for A members only). A draws the planned payment amount from the C.EM center videophone ATM terminal to the CEM card. The CEM Center displays the withdrawal amount of N minus from the A member's net account. At the time of payment, enter the payment amount in the electronic check & money terminal, and check the face picture of the payer. A and recipient B insert the CEM card into the terminal. The fingerprint scanner of the terminal collates the fingerprint data of CEM card holder A and A registered in the CEM card. After confirming the transaction details between A and B, CEM of A
Transfer the same amount from the card to B's CEM card and pay. Beneficiary B receives the electronic check and money from the ATM terminal
Deposit at CEM Center. (Cash cannot be made until the end of the cooling-off period.) The CEM Center adds the amount to the electronic check & money passbook of the B member's net account. Members can check their electronic checks and money balance on the Internet. After the cooling-off period ends, the CEM center transfers the same amount to the recipient B's bank account. (If B wants to transfer money from an online account to a financial institution) (Payer can choose whether to use the cooling-off system)
At the same time, B net electronic check & money passbook is minus.
(Many videophone type ATM terminals are installed at supermarkets, gas stations, convenience stores, etc.) Electronic check & money payment flow in virtual transactions
Example Payer A transfers the amount to be paid by electronic check & money to the financial institution account of the CEM Center. The CEM Center accepts the deposit of
Plus display on member net account. When a virtual transaction is established between the payer A and the payee B, B
Adds the transaction number and sends the transaction date, transaction partner ID, transaction amount, your ID, etc. to the CEM center. The CEM center sends the transaction content confirmation mail from B to A, and at the same time, displays the transaction number added by B on A's My Page login site (preventing eavesdropping). A confirms the transaction contents of the email, clicks the transaction number on the My Page login site, and confirms the payment to BCM and notifies the transaction number to the CEM center. The CEM Center deducts the transaction amount approved by A from A's online electronic check & money account. (The same amount is temporarily kept by the CEM center until after cooling off) The CEM center guarantees that the payee B will pay the price after cooling off, and instructs the product to be shipped. To do. B notifies the CEM Center of the shipment of the product, and the CEM Center forwards the email to the A member. A receives the product. The CEM Center transfers the product price to B's electronic electronic check & money account or financial institution account after the delivery of the product and the cooling off period. Settlement method using electronic bills Flow of face-to-face electronic bill payments Example CEM Center Promises Bill Drawer A, and puts out an electronic bill book (the bill book with the maximum amount of bills) requested by the issuer on the same member net At the same time as issuing, a net electronic bill book is displayed in addition. (On the Internet site for exclusive use of senders, two types of accounts, bills of notes and drafts of notes, are displayed.
Enables management of both over the internet. ) Payer A draws the required amount from the electronic bill book from the videophone ATM terminal to the CEM card. At the CEM Center, the electronic bill book of A member minus the same amount. At the time of bill payment, payer A inputs the payment amount, payment date, etc. into the CEM center payment terminal (there is no need to input the payee ID to the card of the recipient) Payee B payer A, payment amount, payment date Check C, etc. directly from the CEM card.
Pay the EM card. (The amount of can be paid to multiple payees.) Payee B deposits from the CEM card to the electronic bill net account using the videophone ATM terminal. (Request the CEM Center to collect) The CEM Center displays the payer A's electronic bill net account as a minus and the payee B's electronic bill net account as a plus. Payer A deposits the electronic bill amount transferred to the current account for bill clearing at the financial institution by the payment date. (Insufficient funds are processed in the same way as a normal unpaid bill) At the payment date, the CEM Center automatically deducts the electronic bill amount issued by the A member from the checking account of the financial institution for settlement. The same amount is added to Payer A's electronic note net account.
Similarly, the payment amount is deducted from recipient B's electronic bill online account and transferred to the checking account of B's financial institution. Example of flow of payment by electronic bill of virtual transaction CEM Center issues a promissory note maker A with an electronic bill book of the amount desired by the maker on the same member net, and at the same time, displays the net electronic bill book as a plus. When a virtual transaction is established between the payer A and the payee B, B
Adds transaction number and sends transaction details such as transaction date, transaction ID, transaction amount, due date, own ID, etc. to CEM center. The CEM center sends the transaction content confirmation mail from B to A, and at the same time, displays the transaction number added by B on A's My Page login site (preventing eavesdropping). A confirms the transaction contents of the email, clicks the transaction number on the My Page login site, and notifies the CEM Center of the payment approval to B and the transaction number. The CEM Center deducts the electronic bill net account of A and the electronic bill book by the transaction amount and payment due date of A approval. (Electronic bills are temporarily kept by the CEM center until after cooling off) The CEM center guarantees that the payee B will be paid by the electronic bill of A after cooling off, Instruct to ship the product. B notifies the CEM Center of the shipment of the product, and the CEM Center forwards the email to A. After the delivery of goods and the cooling-off period, the CEM Center adds the electronic bill amount of A payment to the electronic account of B electronic bill. Payer A deposits the electronic bill amount drawn up by the due date of the bill into the checking account. On the payment date, the CEM center automatically deducts the electronic bill amount issued by the A member from the A financial institution's checking account. The same amount is added to Payer A's electronic note net account. Similarly, the payment amount is deducted from recipient B's electronic bill online account and transferred to the checking account of B's financial institution.

TECHNICAL FIELD OF THE INVENTION

Replacing payments for currencies, checks, promissory notes, etc. with electronic currencies IC card payments, business model enabling virtual payments Electronic checks & money, electronic bill payments can be safely made using the Internet through a proxy payee To In addition, it is a business model that provides a system that allows customers to deposit and withdraw with confidence at a remote location by using a fingerprint for PIN instead of PIN and a broadband videophone ATM system.

[Prior art]

In the case of cash, check, promissory note, personal identification number, and ATM of a financial institution, a check book or a promissory note book issued by a financial institution is used. The payee brings the check to the counterparty financial institution and requests collection, and the financial institution ends the check and bill payer's checking account by transferring the amount to the payee's account. The ATM confirms the identity by matching the card and the PIN. Cash is a convenient and easy-to-use currency, with the owner changing after each payment.

[Problems to be Solved by the Invention]

Cash problems, counting, denomination, storage, movement, sending, management, theft, deposit, withdrawal checks, promissory note problems, drawing procedures, forgery of seals, etc.
Sending, managing, theft, depositing, increasing use of fraud for virtual transaction settlement, increasing fraud, complaint handling ATM issues such as complaint handling, cash stock and maintenance steps, forgetting PIN and card loss.

[Means for Solving the Problems]

Utilization of proxy payees (CEM center) and digitization of currency bills. Cashless videophone AT
M. Create a payment terminal that does not require communication with the terminal. It is an authentication system that does not easily generate fingerprints, crimes, and mistakes, and enables the CEM card program to be simplified and shared with other companies' IC cards. This will reduce the cost of CEM cards and payment terminals, and the terminals will be placed in many stores and facilities. Problems such as virtual trading problems can be solved or reduced by utilizing the cooling-off system. In addition, if a CEM card is issued for each person in the organization for cash management, payment management, sales management, etc., the labor management work can be greatly saved.

DETAILED DESCRIPTION OF THE INVENTION

The portal site http: / currently being tested
/www.City 21net.com is recruiting local members, and the payment program of CEM Center is installed on the site. Established a CEM center (proxy payment center) with the cooperation of financial institutions in each local area. Initially, he began to form experimentally in Fukuchiyama City, Kyoto Prefecture. Local site member IC card issuance and CEM card is issued. In future, we will encourage other IC cards to be used together with the CEM card system. Develop a terminal for electronic check & money CEM card delivery. Encourage CEM Center membership to various resident groups, companies, distribution stores, etc.

【Example】

The system will be implemented in the following process. Developed a payment function program to be incorporated into http://www.City 21net.com in 2003. 2002-3 Years City Electronic Check & Money CE
Developed M.card, payment terminal, etc. 2002- In the local area of Fukuchiyama City, Kyoto Prefecture
Recruit CEM Center Members, City Electronic Checks & Money
Issued CEM card. 2003-Started operation of electronic check & money operation in Fukuchiyama city, Kyoto prefecture. 2004-After solving operational problems, try to disseminate the CEM center payment system to other municipalities.

[Effects of the Invention] Part of the CEM card issuance cost, resident cards (fingerprints can be used by elderly people), David cards, employee cards, mall cards, eco-money cards, corporate cards (checks, bills), other cards IC cards can be promoted. Virtual trading method of global society, crime prevention,
Management cost reduction, communication cost reduction. Solve virtual trading problems CE before shipping products
The fraud is impossible because the M. Center deposits the money. With the use of the cooling-off system, the CEM center can adjust the problems such as returns of virtual transactions and imitations by a third party. Loss or mistake due to the fingerprint for the personal identification number of claim 3,
Crime prevention. Elderly people, whose number is increased by PIN code fingerprints, do not have to worry about being forgotten or stolen. By using IC cards and terminals with multiple functions, card usage fees of 1% or less are possible.

[Brief description of drawings]

[Fig. 1] Local Internet membership system diagram Operates the local electronic portal and credit card settlement IC card system, operates a local regional portal site as a jointly operated media of citizens, industry, government and academia, and links it to other local sites. Diagram of linking members with CEM Center members

[Figure 2] CEM Center Member Electronic Check & Money IC
Card card IC card that stores electronic checks and money issued by CEM Center by members.

[Figure 3] Image diagram of an electronic check & money payment terminal for stores

[Figure 4] Image diagram of videophone ATM terminal Electronic check & money, electronic bill and CEM center and IC
A terminal for depositing and withdrawing between cards (CEM cards). For markets, gasoline, convenience stores, etc.

[Figure 5] Electronic check & money wallet & calculator image diagram Electronic check & money A terminal for checking the balance of an IC card.

[Figure 6] CEM center for cash and deposits (proxy payee)
Image diagram of the flow of conversion to electronic checks & money via the Internet and distribution using the Internet, CEM cards, videophone ATM terminals, etc.

[Figure 7] Promissory note payer receives electronic note book via CEM center
Image of flow of distribution while using M. card, videophone ATM terminal, etc.

[Explanation of symbols]

1 to 5 show explanatory texts and image diagrams in the drawings. FIGS. 6 to 7 are numbered with and arranged explanatory texts and image diagrams in the order of

[Procedure amendment]

[Submission date] March 28, 2002 (2002.3.2)
8)

[Procedure Amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction content]

[Document name] Statement

[Title of the Invention] A system in which a proxy payer is provided between a payer and a payee and enables electronic check & money and electronic bill settlement using the Internet. Fingerprint system for personal identification number instead of personal identification number and telephone telephone ATM system

[Claims]

Detailed Description of the Invention

In business, communication means for face-to-face transactions and virtual transactions have been digitized, and virtual transactions are also global.
Is becoming more popular. In accordance with the changes of the times, electronic means are required for payment methods and authentication methods. Electronic payments and authentication require compatible electronic payments and electronic authentication systems using IC cards and the Internet as tools.
To make the IC card compatible, the ID of claim 11
Standardization as a card is required. In order to use the Internet with low security as a communication means, the agent (SEM Co., Ltd.) as the agent of claim 1 issues the Sem money as the agent currency. It also uses fingerprints and transaction history (patent pending) for electronic authentication. When a large amount of electronic money, an electronic check, or an electronic bill is settled in claims 2 and 3, the authentication method using the PIN code fingerprint of claim 5 and the videophone ATM terminal of claim 6 by SEM Co., Ltd. is used. To standardize these electronic authentication and electronic payment methods,
Reduce prices for IC cards, videophone ATM terminals, payment terminals, etc.

Distribution system for electronic money, electronic checks, electronic bills, service points, and eco-money. The electronic money electronic checks according to claim 1 When electronic bills are used, members deposit cash in the account of the sem corporation, or , Receives payment guarantee from financial institution and issues SeminMoney to SeminMoney account. Members are certified by Semi Co., Ltd. through internet communication. Semit Co., Ltd. transfers and settles the net money to the recipient's net money account according to the instruction of the certified member.
Service points are transferred to the recipient's Semnet point account using a videophone ATM terminal, etc., with the shop ID that has received the shop's sem card authentication, the recipient's sem card ID data, and the number of points. Eco-money is settled in the same way as service points. Sem Co., Ltd. displays each Sem Net Money account in the Sem Net Money account on the Member My Page.

Electronic Check & Money Settlement Method Virtual Settlement Flow (Cash is converted to semi-money and moved from an online account to an online account for settlement) The payer pays the estimated amount to be paid by electronic check & money.
Transfer to a financial institution account of Semi Corporation. Notifying that a financial institution has received payment from a payer to Sem Co., Ltd. Sem Co., Ltd. will issue the Sem electronic check & money of the deposit amount of to the Semnet account of the payer. When a virtual transaction is established between the payer and the payee, the payee adds the transaction number to the sem corporation, the transaction date and time, the payer I
Send D, transaction amount, your ID, etc. SEM Co., Ltd. sends a transaction confirmation email from the payee to the payer. At the same time, the transaction number added by the payee is displayed on the payer's My Page login site (preventing eavesdropping). The payer confirms the transaction details in the email (email password), clicks the transaction number on the My Page login site (login password), and sends the transaction number to the certificate of approval for payment to the recipient . Sem Co. deducts the transaction amount approved by the payer from the payer's online electronic check & money account. The same amount will be temporarily held by SEM Co., Ltd. until after cooling off, and will be transferred to SEM's net electronic check & money account. CEM Co., Ltd. guarantees that the recipient will pay the price after cooling off, and will instruct the recipient to ship the item. The recipient will send a shipping notification to Sem Co., Ltd. by email when the product is shipped.
Semi Corporation forwards the email to the payer. Payer receives the goods. 10 Sem Co., Ltd. transfers the product price Sem Money to the recipient's online electronic check & money account after the delivery of the product and the cooling off period. 11 If a cooling-off problem occurs before the completion of the transaction, Sem Co., Ltd. will arbitrate, and if it does not succeed, it will be left to the judiciary. 12 If the payee wishes to cash out the electronic check and money, the payee will transfer the money to the financial institution's account designated by the payee after the payee has been authenticated by the Semi Co., Ltd. via the videophone ATM terminal. Ask. SEM Co., Ltd. transfers money from the client's SEM electronic check & money account to SEM's account. At the same time, deposits are transferred from the financial institution's SEM Corporation account to the client's designated financial institution account. This money transfer will be sent from the deposits that SEMM Co., Ltd. has deposited with financial institutions as restraint deposits. Amortize the same amount of money that you deduct from your savings.

Flow of face-to-face payment of electronic cash and money (Semi-money is withdrawn from an online account to a cash card and transferred to the cash card for payment) The payer pays the amount to be paid by electronic check and money.
Transfer to a financial institution account of Semi Corporation. Notifying that a financial institution has received payment from a payer to Sem Co., Ltd. Sem Co., Ltd. will issue the Sem electronic check & money of the deposit amount of to the Semnet account of the payer. The payer pays the expected payment amount according to claim 6 of the videophone ATM.
Withdraw from the terminal to a Sem card. Semi Corporation deducts the amount of withdrawal from the payer's net electronic check & money account. At the time of payment, enter the payment amount into the Sem electronic check & money terminal, and the payee confirms the face photo of the payer. The payer and payee insert the Sem card into the receiving and paying terminal. Photo authentication is used for less than 3,000 yen, and payments of 3,000 yen or more are verified by comparing the fingerprint data of the Sem card owner with the payer registered in the Sem card using the fingerprint scanner of the terminal. Payer,
Both recipients confirm the transaction details and transfer the same amount of electronic check and money from the payer semcard to the recipient semcard to complete the payment. The payee receives the SEM electronic check and money from the videophone A.
Deposit from TM terminal to SEM Co., Ltd. However, the check will be kept by sem Co., Ltd. until the end of the cooling-off period and cannot be cashed. Security System sem Co., Ltd. will add the amount to the recipient's sem electronic check & money account (checks after the cooling-off period ends). . You can check the status of your net money payments on My Page on the Internet.

Payment Method Using Electronic Bills Flow of Payments Between Net Electronic Bill Accounts (Payment Guarantee of Financial Institutions Transferring Electronic Bills from Net Accounts to Net Accounts for Settlement) Electronic bill issuers provide collateral to financial institutions, electronic bills Receive a loan guarantee for the settlement funds. Sem Co., Ltd. receives a loan guarantee approval for electronic bill settlement funds (setting a maximum amount) from financial institutions. Sem Co., Ltd. (proxy payee) issues a payment guarantee electronic bill of Sem Co., Ltd. (below the loan guarantee limit of the financial institution) to the sender's net electronic bill account. Although the payment guarantee electronic bill of SEM is entered on the settlement date, bills that have not been issued by the deadline are re-issued by the videophone ATM terminal.
Change payment date and use. Semi Co., Ltd. displays the net electronic bill account of the sender as a plus. When a virtual transaction is established between the payer and the payee, the payee adds the transaction number to the sem corporation and
Send payer ID, transaction amount, own ID, etc. Sem Co., Ltd. sends a transaction confirmation email from the recipient to the payer. At the same time, the transaction number added by the payee is displayed on the payer's My Page login site (preventing eavesdropping). The payer confirms the transaction details of the email (email password), clicks the transaction number on the My Page login site (login password), approves the payment to the recipient and sends the transaction number to Semi Corporation. Semi Corporation deducts the transaction amount approved by the payer from the payer's net electronic bill account. The same amount will be temporarily held until after the cooling off by Semi Co., Ltd., and will be transferred to the online electronic bill account of Semi Co. Ltd. CEM Co., Ltd. guarantees that the recipient will pay the electronic bill for the payment after cooling off, and will instruct the recipient to ship the item. When the product is shipped, the recipient sends a notification to Sem Co., Ltd. by e-mail, and Sem Co. forwards the e-mail to the payer. Payer receives the goods. After the delivery of products and the cooling-off period, SEM Co., Ltd. transfers the SEM electronic bill to the recipient's net electronic bill account. 10 On the electronic bill settlement date, SEM Co., Ltd. deducts the electronic check & money account of the sender and the electronic check & payee of the recipient.
Add a money account. At the same time, it cancels the electronic bills issued by the sender's electronic bill account and the electronic bills received by the recipient's electronic bill account. Backup data of cancellation data as a payment record 11 When Semit Co., Ltd. deducts the amount of electronic bills from the payer's electronic check & money account, if the amount of semi-money is insufficient, the same amount is loaned to the financial institution that guaranteed the payer's loan. Request a transfer.

Flow of payment between face-to-face card electronic bills The same payer withdraws the required amount from the electronic bill account by the videophone ATM terminal to the Sem card as in the case of the 0005 net electronic bill account. At the time of bill payment, the payer inputs the payment amount, the settlement date, etc. to the terminal for receiving the money payment (there is no need to input the recipient ID to the other party's card), the recipient is the payer, the payment amount,
Check the settlement date etc. and pay directly from Sem Card to Sem Card. (The withdrawal amount can be paid to multiple payees.) The payee deposits the electronic bill online account from the Sem card with the videophone ATM terminal. (Requesting the bill collection from SEM Co., Ltd.) SEM Co., Ltd. displays the payer's electronic bill net account as a minus and the payee's electronic bill net account as a plus. The electronic bill settlement procedure is the same as 10 11 between the above-mentioned 005 net electronic bill accounts.

Deposit deposit guarantee system for electronic checks and money Semit Co., Ltd. deposits cash and deposits, and protects deposits to issue electronic checks and money. It will be treated as a restricted deposit of a financial institution that cannot be withdrawn from the institutional account by Sem Co., Ltd. alone.

Taxes, money laundering, etc. Corresponding members are required to deposit to SEMM Co., Ltd. and payment from SEMM CO., LTD. It is possible to research sales etc. by investigating the transfer contents to the member transaction financial institution account. In addition, regarding fraud prevention such as money laundering, electronic checks & money are difficult to handle for criminals because all data is stored until deposit and withdrawal to financial institution accounts after deposit as deposits. Is.

Security system by fingerprint collation
(A separate patent application has been made) As the identification method, you can register the fingerprint data of the person on the IC in the card. When the IC card is used, the terminal is provided with the function of reading the fingerprint data of the card holder, and the fingerprint data registered in the IC card is compared with the owner data.
A fingerprint collation system that registers fingerprints of a large number of people on a large server and does not require communication collation with the server when verifying identities.

Proxy payment system (separately applied for patent) Although the normal transaction ends between the payer and the payee, the proxy payment system allows a trusted third party CEM center (City Electronic Money Center) enters the middle and confirms transactions until settlement, and adopts a cooling-off system.

Transaction history collation system (separately applied for patent) History of money, such as date and time from when the money is withdrawn as electronic checks and money to the Sem card until it is used and deposited at the SEM Co., Ltd., user and recipient ID, amount spent Record from IC in the card to SEM Co., Ltd. via ATM terminal. When depositing / withdrawing from an electronic check & money IC card to a CEM center, the use history of the electronic check up to the previous time recorded in the IC and the record of SEM Co., Ltd. are compared to prevent crime. To do. This collation history changes randomly each time a Sem card is connected to a videophone ATM terminal, making it difficult to forge. In addition, the data in the IC can be damaged and the lost data can be restored.

Terminal equipment Videophone ATM at the same level as a financial institution counter A videophone with a broadband Internet connection and an ATM linked with a fingerprint scanner make it possible for ordinary elderly people who have difficulty making deposits and withdrawals to the C.E.M. You can proceed with the procedure. AT that does not handle cash
Because it is M., there is no management cost, no need for cash maintenance, no need for ATM private rooms, and because there is no cash stock, it can be installed in a place with many people. Claim 5, Claim 6, Claim 7 If you have a fingerprint scanner and a PC with videophone function,
You can also deposit, withdraw, and make payments from your company or home. When depositing / withdrawing, the staff of the Sem Center can check the security face-to-face with a videophone.

TECHNICAL FIELD OF THE INVENTION

Replacing payments of currencies, checks, promissory notes, etc. with electronic currencies IC card payments, business model enabling virtual payments Electronic check & money, electronic bill payments can be safely made using the Internet through the agent To In addition, it is a business model that provides a system that allows customers to securely deposit and withdraw from a remote place by using a fingerprint for a personal identification number instead of a personal identification number and a broadband videophone ATM system.

[Prior art]

In the case of cash, checks, promissory notes, personal identification numbers, and ATMs of financial institutions, there is no owner name in cash, and currency is highly convenient because it can be distributed by continuous distribution. For checkbooks and promissory note books issued by financial institutions, fill in the payment amount, settlement date, etc. and hand it to the recipient. The recipient takes the check to the financial institution with which he / she is dealing with and requests it to be collected. The financial institution pays the amount from the checking and billing account checking account to the payee's account and ends.
At the ATM, the identity is verified by comparing the registered password with the password entered from the ATM.

[Problems to be Solved by the Invention]

The tasks of cash, counting, denomination, storage, movement, sending, management, theft, depositing, withdrawal steps and the like are required. Checks, promissory note issues, payment procedures, forgery of seals, anxiety about settlement, sending, management, theft, deposits, increasing use of virtual transaction settlement and fraud, complaint handling, etc. ATM challenges, cash stock and maintenance, forgetting your PIN or losing your card.

[Means for Solving the Problems]

A system of electronic checks and money is developed for each financial institution series. In order for each system to be compatible, users need to be able to directly manipulate their deposits. Therefore, the system and data encryption will be complicated. The Shem Money system is disconnected from the system of financial institutions. Since it can be circulated only with semi-money, there is no need for deposit operation and it is not possible. If it is a terminal accepting and accepting money, it can be used as an ID card.
Cashless videophone ATM terminals can be installed at any public telephone installation site. Using a cashless currency called Shem Money can solve criminal activity and handling problems. Electronic settlement of virtual transactions is also safe, and an escrow service and cooling-off service are possible with a proxy payment system. The weaknesses to cash crimes are that the owner and payer names are not listed. The weak point of electronic money is that the password is eavesdropped, so forget it. The good thing about Shem Money is that the owner and payer names are recorded, and the owner fingerprint and fingerprint for personal identification number are unique and cannot be eavesdropped or forgotten. In addition, videophone ATM terminals can add human judgment, such as visual inspection. By utilizing the cooling-off system, problems such as virtual trading problems can be solved and reduced. In addition, by issuing an in-company Sem card for each individual in a company, it is possible to greatly save labor such as money management, payment management, sales management, and delivery management, and prevent intra-company crimes.

DETAILED DESCRIPTION OF THE INVENTION

An internet portal site is provided for each local city. Portal site currently being tested ht
tp: //www.City 21net.com is recruiting local members, and the payment program of the CEM Center is incorporated into the site. Established “Sem Co., Ltd.”, which operates the system for issuing and paying semi-money, and established branches in each local city. Established a branch office of CEM Co., Ltd. (proxy payment center) with the cooperation of local financial institutions. Initially, he began to form experimentally in the Fukuchiyama City area of Kyoto Prefecture. Promote widespread use of sem cards as ID cards As a base card with a name, photo print, fingerprint data record, sem ID, and sem money record form entered on the sem card, sales will be preceded by employee time cards and distribution store cards. We encourage other IC cards issued together to use the CEM card system. Build a payment system for electronic money. Develop videophone ATM terminals and payment / receipt terminals. An electronic money account that uses Internet communication is provided on the member-specific My Page of the portal site, and the electronic payment account for electronic money according to claims 2 and 3 is provided. We will deposit and withdraw semi-money, develop semi-card money acceptance and payment terminals, and install a large number in markets, convenience stores, gasoline stands, etc. Allocate the e-mail address of the local portal site to each member. Allocation of login passwords to member My Page accounts.

【Example】

The system will be implemented in the following process. 2002- Issued a Sem card as an ID card. In 2003, developed a function program for the payment of money to be incorporated into http://www.City 21net.com. Established "Sem Co., Ltd.", which is a system for issuing and paying money on behalf of Sem Money in 2002 to 3 years. During 2002-4, develops Sem card and Sem money payment terminal. 2003-Started operation of electronic check & money operation in Fukuchiyama city, Kyoto prefecture. 2004-After solving operational problems, try to disseminate the CEM center payment system to other municipalities.

【The invention's effect】

A base card is provided by using the Sem card as an ID card. Basic Resident Card, Credit Card,
It can be used in combination with debit cards, employee cards, mall cards, corporate cards, etc., and can be used as IC cards. Virtual trading method of global society, crime prevention, management cost reduction, communication cost reduction. Solving virtual transaction problems Since SEM Co., Ltd. deposits the money before shipping products, fraud is also impossible. With the use of the cooling-off system, SEMU Co., Ltd. can make third-party adjustments for problems such as virtual transaction returns and defective products. Loss or mistake due to the fingerprint for personal identification number of claim 5,
Crime prevention. Elderly people, whose number is increased by PIN code fingerprints, do not have to worry about being forgotten or stolen. With the widespread use of Sem cards and Sem terminals as ID cards, it becomes possible to increase the versatility of IC cards and terminals. By using these together, the cost of cards and terminals can be reduced. The Sem card can be used with electronic checks and electronic bills with multiple functions, enabling a card usage fee of 1% or less.

[Brief description of drawings]

[Figure 1] How to use electronic money, electronic checks, electronic bills, etc. as net money in a semi-money system, and a flow chart of card money that is used by extracting net money to a semi-card

[Fig.2] Flow chart for online payment of semi-electronic money and electronic checks

[Fig. 3] Flowchart when depositing SemMoney into a financial institution account

[Figure 4] Flowchart of withdrawing a semi-electronic money / electronic check to a semi-card for settlement

[Fig. 5] Flow chart for settlement of Semi Electronic Bills on the Internet

[Fig. 6] Flow chart for withdrawing a SEM electronic bill to a SEM card for settlement

[Fig. 7] Image of ATM videophone ATM terminal (image of mini phone box) Currently, equipment other than the videophone ATM terminal with a scanner is commercially available.

[Figure 8] Schematic image of payment terminal for semi money (portable type)

[Procedure Amendment 2]

[Document name to be corrected] Drawing

[Correction target item name] All drawings

[Correction method] Change

[Correction content]

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Continued front page    (54) [Title of Invention] Establishing a proxy payee between the payer and payee, using the Internet, and using electronic checks & money, electronic                     A system that allows clearing bills. PIN code fingerprint system instead of PIN and videophone type A.                     T. M. system

Claims (4)

[Claims] [Claim 1] Electronic check & money settlement system agent (Patent pending CEM Center)
However, electronic checks as a proxy currency in place of checks and cash,
Issue electronic money and CEM cards. Communication uses the Internet. Direct IC using CEM card terminal
Pass from card to IC card. Virtual settlement is a system that uses an agent payment system (patent pending). (CEM card electronic checks & money are not linked to deposits and savings) 2. An electronic bill settlement system proxy payee issues an electronic bill book (corresponding to a bill book of the total amount) in place of a promissory note, uses the Internet for communication, and uses electronic check & money terminals. Draw out the bill of lading (scheduled payment amount) on the IC card, fill out the bills, and draw the electronic bill on the recipient's IC card. In addition, a system that enables the issuing of electronic bills using a proxy payment system for payment of virtual transactions. 3. A security system that enables the use of a fingerprint as a personal identification number. Register multiple fingerprints at the CEM Center. One is a PIN code and one is for authenticating the CEM card holder. CE
When using the M. Center ATM to deposit and withdraw. First, collate the fingerprint inside the IC card with the fingerprint of the IC card owner. As the PIN code, the fingerprint that was previously registered in the CEM center and the fingerprint for the PIN code at the time of the CEM center ATM's PIN entry guidance are entered by a scanner to check and verify, so that the PIN code cannot be stolen. 4. A videophone ATM terminal system A videophone ATM terminal for depositing, withdrawing, and transferring is developed by combining a videophone, fingerprint scanner, broadband, proxy payment system, etc. CEM Center ATM A cashless terminal system that allows ATM terminals to be used like counters at financial institutions.