JP2004265395A - Settlement system using ic card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system using an IC card with security in settlement of an electronic value substituting a money value. <P>SOLUTION: A settlement management device 1 is provided with an account database 10 storing the electronic value such as electronic money for each user. The account database 10 is provided with a transaction history area 10f storing a history of transfer of the electronic value. The settlement management device 1 can perform data communication with a user device 3 via the Internet NT, while the user device 3 is provided with a function for withdrawing the electronic value to an IC card from a user account and a function for depositing the electronic value from the IC card to the user account. In the user device 3, the electronic value can be moved between the IC cards of a payer and a payee. However, the electronic value received from one IC card cannot be directly moved to another IC card. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

  The present invention relates to a payment system using an IC card that uses an electronic value stored in an IC card instead of a conventional payment method using cash, a check, a promissory note, or the like.

  Conventionally, cash, a check, a promissory note, and the like are known as having a function of money value. Cash has the convenience that the recipient does not have to work because cash is only exchanged directly for goods and services. However, cash is troublesome to count the amount of money, miscalculation is likely to occur due to the large number of denominations, and it is troublesome to manage storage and transportation with large cash, and since it has anonymity, it can be tracked at the time of theft. There are problems such as inability to do so.

  On the other hand, checks, promissory notes, etc. are to be paid by the payer to the payee after filling in the amount of payment and settlement date when exchanging goods and services, and the payee brings this to the financial institution, Since payment is made in a financial institution, the settlement time is delayed, but the risk of being used by others is reduced as compared with cash or the like having anonymity. However, the procedure of withdrawal is troublesome, and in some cases, it may be abused due to forgery of a seal, and there is a problem that the recipient is uneasy until settlement.

  Some of the devices having a function equivalent to the monetary value, such as a cash card, a credit card, and a debit card, perform user identification. In these cards, identity verification is performed by checking a password (a password or a card number) registered on the card side with a password input to a reading device such as an automatic teller machine. In the case of credit cards, signatures and photographs are also used to further ensure the identity of individuals when providing goods and services face-to-face. Here, cash cards and credit cards are also used when withdrawing cash using an automatic teller machine (so-called ATM). Therefore, cash must always be stored in the automatic teller machine, and maintenance is also required. There is a problem that requires personnel for work.

  Various forms of electronic money expressing money values as electronic values are also known today as functions that can integrate the above-described functions of money values. Electronic money includes an IC card type electronic money that writes an electronic value on a dedicated IC card as represented by “Mondex” (registered trademark) and uses the IC card like a wallet, and “Cybercoin”. There is a network-type electronic money in which an application program for managing monetary value, such as (registered trademark), is installed in a terminal and payment is made through a network.

  As described above, various forms having a function of money value are known, and electronic money can integrate functions such as cash, check, promissory note, cash card, credit card, and debit card which have been conventionally used. It is expected as something. Furthermore, recently, there are cases in which points with an equivalent value to cash are provided, or functions of monetary value are provided in a form such as eco-money that can be used only in a local area. It is also desired to integrate the functions described above.

By the way, when trying to realize functions of various forms of monetary value by electronic money, it becomes difficult for general financial institutions to control and manage the functions. Therefore, in order to eliminate the complexity of accessing different systems for each electronic money to be used, it has been proposed to provide a service center and perform settlement between systems (for example, see Patent Document 1).
JP 2000-215258 A

  In the technology described in Patent Document 1, although the convenience for electronic money users (payers and payees) is improved, the service center simply performs a service added to the service of the conventional financial institution. However, since the user has a cash account, there is a problem that security against the transfer of money value is not sufficient.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a payment system using an IC card with improved security against movement of money value.

  The invention according to claim 1 is a receipt / payment management device that operates between the proxy payer and the electronic value user that guarantees the monetary value of the electronic value that is a substitute for the money value and that operates the transfer of the electronic value. A terminal device capable of data communication with the receipt / payment management device and having a user-readable IC card mounted thereon in a readable / writable manner. The receipt / payment management device stores electronic value accounting for each user and The terminal device includes an account database having a user account for storing a history of electronic value transfer in a transaction history area, and the terminal device extracts and stores the electronic value from the user account of the IC card user in the IC card. A function of depositing an electronic value from the IC card into the user account of the user of the IC card, and a function of transferring the electronic value stored in one of the two IC cards to the IC card. Characterized in that at least and a function of moving to the other IC card in the form of inhibited movement in. Note that the user means a payer and a payee of the electronic value.

  According to a second aspect of the present invention, in the first aspect of the invention, the electronic value is electronic money which is a substitute for a currency, and the receipt / payment management device sets the amount of money transferred from a user to a dedicated account of a financial institution. A function of storing the corresponding electronic money in an electronic money account provided in the user account of the user, and performing a transfer procedure from the dedicated account to the specified account when a transfer to the specified account is requested through the terminal device. A function of transferring electronic money from the electronic money account of the user of the IC card to the IC card mounted on the terminal device, and a function of transferring the user's IC card from the IC card mounted on the terminal device. A function to transfer electronic money to an electronic money account, and a function to transfer electronic money from an electronic money account of a user serving as a payer to an electronic money account of a user serving as a payee. Characterized in that it comprises.

  According to a third aspect of the present invention, in the first aspect of the invention, the electronic value is electronic money as a substitute for a currency and a bill-type electronic value as a substitute for a bill. A function of transferring a bill-type electronic value from a bill-of-payment account provided in the user account of the user of the IC card to the IC card mounted on the terminal device, and an IC card mounted on the terminal device A function to transfer the electronic value of the bill type to the bill receivable account provided in the user account of the IC card user, and the electronic money provided in the user account when the settlement date of the electronic value of the bill type is reached. A function of transferring electronic money corresponding to a bill-type electronic value from an electronic money account of a user serving as a payer with respect to a stored electronic money account to an electronic money account of a user serving as a payee; It is characterized in that and a function to cancel the user notes payable account and the recipient to become a user of the notes receivable account of that.

  According to a fourth aspect of the present invention, in the third aspect of the present invention, the receipt / payment management device includes a bill-of-accounts account of a proxy payer, and a user serving as a payer receives a loan guarantee by a financial institution as a limit. A function for storing a bill-type electronic value corresponding to the amount requested by the user to the proxy payer at the time of payment by the user in the user's bill-of-payment account; If the payer's e-money runs short, the shortfall amount received within the limit guaranteed by the financial institution will be transferred to the payer's e-money account immediately after it is transferred to the payee's e-money account. And a function of transferring the electronic value to the bill payable account of the proxy payee at the same time that the electronic value of the bill type in the bill payable account of the payee has been settled.

  According to the first aspect of the present invention, since there is no transfer of cash between users and the payment management device operates the electronic value, security can be maintained by the payment management device. In particular, the transfer of electronic value between the payer and the payee is performed between IC cards, and the electronic value that is withdrawn from the user account and stored in the IC card can be transferred to another IC card. Although it is possible, the electronic value received from another IC card cannot be transferred to another IC card, and can only be deposited in the user account of the payment and payment management device. The device allows complete grasp. As a result, even if an electronic value is received with malicious intent such as fraud, there is an advantage that it is difficult to use illegally because a record remains in the payment management device.

  According to the second aspect of the present invention, since electronic money as a substitute for currency is stored and used in an IC card, the IC card can be used as a so-called electronic wallet. In addition, since the receipt / payment management device holds the electronic money account separately from the account of the financial institution, there is a time difference between the transfer of the electronic money to the electronic money account and the transfer of the currency to the account of the financial institution. Yes, the security for financial institution accounts is increased.

  According to the third aspect of the present invention, a function of substituting for a bill can be provided by electronic value.

  According to the fourth aspect of the present invention, the financial value can be guaranteed by the financial institution for the electronic value used as a substitute for the bill, so that the issuer (payer) and the receiver can feel secure. Further, since the shortfall on the settlement date is transferred to the proxy payer, the payer will settle the bill with the proxy payer as the payee after the settlement date.

(Overview)
In recent years, there are face-to-face transactions and online transactions as transaction forms. In particular, online transactions have been globalized. In addition, the payment method and the authentication method are also required to be digitized. To digitize the payment method and the authentication method, an IC card and the Internet are used. Various types of IC cards are provided, and in order to make the IC cards compatible, it is necessary to use them together with an ID card. In addition, in order to use the Internet for which data security is not sufficient as a means of data communication, an electronic value, which is a substitute for monetary value, is issued through a payment management center, which acts as an intermediary and acts as a proxy for payment. It is preferable to use fingerprints and transaction history for electronic authentication. In the embodiment, an example will be described in which a plurality of authentication methods are used in order to further enhance security, for example, when the settlement amount of electronic money becomes large.

  The basic procedure described in the following embodiment is as follows. In other words, the payer who intends to use the electronic value receives the electronic value by depositing cash in the account held by the financial institution or receiving payment guarantee by the financial institution. Is issued to an electronic user account provided as a database in the receipt / payment management device managed by the company. The payer whose electronic value has been issued to the user account can be authenticated by the payment management device by communication using the Internet. In accordance with an instruction from the authenticated payer, the payment management apparatus transfers the electronic value issued to the user account to the payee's user account to settle. This procedure enables payment by electronic value that is separate from the financial institution.

(Embodiment)
In this embodiment, as shown in FIG. 1, a payer (including a drawer of a bill) and a payee are used as users, and an electronic value that is a substitute for monetary value between users (in this embodiment, When the “value” is moved, the payment management apparatus 1 managed by the payment management center, which is a proxy payment person, is interposed. The receipt / payment management center can issue and collect values. There are two forms of value: cash and check types, where goods and services are exchanged for goods and services on the spot, as with cash or checks, bill types, with which payment is made at a later date, as with bills, and product purchases and services like points. It is assumed that there is a point type provided along with the above and an eco-money type used as a local currency such as eco-money. In the following, the term “electronic money” is used to represent a value that can be used as currency.

  The IC card includes a cash-type value that is withdrawn from an electronic money account 10a provided in the receipt / payment management device 1 through a terminal device described later and a check that is received as a payee from the payer's IC card as described later. And the value of the mold. The transfer of value between IC cards is limited to one time, and the cash type value can be used immediately, but the check type value cannot be used immediately, and the payment management device 1 Once deposited in the electronic money account 10a provided in the IC card and then withdrawn to the IC card again, it can be used as a cash type value. Further, the value received by the recipient in the Internet transaction cannot be used until the cooling-off period of the goods provided in exchange for the value ends. Further, a type code is assigned to each value type so that a plurality of values can be stored in one IC card, and the IC card stores the value with a type code indicating the type. For example, a cash type value is assigned with a type code of M, a check type value with C, a bill type with T, a point type with P, and an eco-money type with E. Further, the value of each form is stored in the IC card together with the date of receipt / payment, the ID of the counterparty, the amount, the settlement date, etc. for each value input / output.

  An automatic teller machine 2 for taking in and out electronic money by a user's operation and a user terminal 3 are connected to the receipt / payment management device 1 via the Internet NT as terminal devices. The automatic teller machine 2 has a function of transferring values of the above-described various forms to and from the IC card by form. Specific functions of the automatic teller machine 2 will be described later. The form of the user terminal 3 may be either a server or a terminal. The automatic teller machine 2 and the Internet NT are connected to a user communication unit 11 capable of bidirectional data communication. The receipt / payment management device 1 is also provided with a financial institution communication unit 12 for receiving a notification by e-mail or the like from a notification device 4 provided in the financial institution. The notification device 4 has a function of notifying a user of payment to an electronic money account provided at a financial institution and notifying a loan guarantee of a bill settlement amount. However, the notification device 4 only notifies such information, and cannot perform deposit / withdrawal to an account of a financial institution.

  The receipt / payment management device 1 includes a service processing unit 13 for providing a user with a service to be described later through the automatic teller machine 2 and the user terminal 3, and further transfers a value in the account database 10 provided in the receipt / payment management device 1. An account management unit 14 for management is provided. The account database 10 is a database that collectively manages various types of values for each user, and has a user account that stores the above-described value for each type for each user. In the user account, in addition to an electronic money account 10a for depositing and receiving electronic money, a bill account 10b, a point account 10c, and an eco-money account 10d for storing bill-type, point-type, and eco-money-type values, respectively, are provided. Can be The electronic money account 10a, the bill account 10b, the point account 10c, and the eco-money account 10d include a value balance, an amount of the transferred value, a user involved in the transfer of the value, a date on which the value was transferred or a settlement date. Is accumulated. Further, the account database 10 is provided with a confirmation information area 10e for storing personal identification information, which will be described later, for confirming a user, and a transaction history area 10f for storing a transaction history for each user. The bill account 10b is provided with a bill receivable account 10b1 and a bill payable account 10b2.

  As described above, the present embodiment can support both the IC card type electronic money and the network type electronic money. In the IC card type electronic money, the value of each type of the electronic money is stored in the internal memory. The fingerprint information is stored in the memory as information for confirming the user. A face photograph is also used as information for confirming the user, and the face photograph is fixed to the IC card so as to be visible from the outer surface of the IC card.

  By the way, according to the present invention, cash is not paid out by the IC card, so that it is not necessary to store cash in the automatic teller machine 2, so that the automatic teller machine 2 can be downsized. Specifically, for example, a telephone type as shown in FIG. 2 can be used as the automatic teller machine 2. In the illustrated example, a telephone-type housing 20 is provided, and a handset 21 and an operation unit 22 including numeric keys are provided so as to have a function as a telephone. Further, in order to have a function as the automatic teller machine 2, a card interface 23 capable of reading and writing the IC card 5, a fingerprint scanner 24 for optically reading a fingerprint for personal identification, and a device for issuing a receipt are provided. A printer 25 is provided. The automatic teller machine 2 is also provided with an image monitor device 27 including a television camera 26 and a liquid crystal display. By using the television camera 26 and the image monitor device 27, a face-to-face call can be made with the other party as a videophone. It is possible. If the line of the Internet NT connecting the automatic teller machine 2 is broadband, it is possible to transfer moving images smoothly, and by using a videophone, a person who is not accustomed to the operation of the automatic teller machine 2 can be used. Can also explain how to use it through dialogue. The operation unit 22 is similar to a telephone, and can receive various services similar to those of the telephone by operating the operation unit 22. In other words, the automatic teller machine 2 can be used in place of a general telephone. Further, as shown in FIG. 3, the automatic teller machine 2 includes a communication function unit 28 which is an interface for connecting to the Internet, and further includes a control unit 29 including a microcomputer for controlling the functions of the automatic teller machine 2. Prepare.

  The automatic teller machine 2 has a function of putting values into and out of the IC card 5 and has the same function as an ATM adopted in a financial institution. There is no need to store cash, there is no cost associated with cash management, and the size of the device can be reduced. In addition, since cash is not handled, the installation place does not need to be a private room, and can be installed even in a place with a lot of traffic. Further, without using a dedicated device as the automatic teller machine 2, an appropriate program can be incorporated into a personal computer, and a reader / writer capable of reading and writing an IC card, a fingerprint scanner, a television camera, and the like can be connected. It is also possible to function as 2. By providing such a program, it is possible to deposit, withdraw, and settle values at work or at home, and the staff of the payment management center performs face-to-face confirmation using a TV camera. This allows security checks.

  On the other hand, in addition to the configuration having the same function as the automatic teller machine 2, the user terminal 3 has a configuration used for transferring value between the two IC cards 5 a and 5 b as shown in FIG. 4. That is, in the device shown in FIG. 4, an operation unit 32 including a numeric keypad is provided on the body 30, and a card for reading a value from one of the two IC cards 5a and 5b (the payer's IC card 5a). An interface 33a, a card interface 33b for writing a value to the other side (the recipient's IC card 5b) are provided, a fingerprint scanner 34 for optically reading a fingerprint for identity verification, and a issuance of a receipt. A printer 35 is provided. The body 30 is provided with slots for inserting IC cards 5a and 5b in correspondence with the card interfaces 33a and 33b. In addition, a display 37 such as a liquid crystal display is provided to display information such as the amount of money corresponding to the value. As shown in FIG. 5, the user terminal 3 for transferring value between the two IC cards 5a and 5b includes a communication function unit 38 which is an interface for connecting to the Internet. And a control unit 39 composed of a microcomputer for controlling the functions of the microcomputer. The user terminal 3 can also be constituted by a personal computer, similarly to the automatic teller machine 2. In the user terminal 5, when transferring values between the IC cards 5a and 5b, there is no need to pass through the receipt / payment management device 1 and no need to connect to the Internet. Further, if only the value transfer between the IC cards 5a and 5b is performed during the commercial transaction, the price can be paid without the cash payment, and so-called cashless payment becomes possible.

  Each of the automatic teller machine 2 and the user terminal 3 has a fingerprint scanner 24, 34. When a finger is placed on the fingerprint scanner 24, 34, the fingerprint is automatically read and stored in the IC card 5, 5a. The read fingerprint information is read out, and the control units 29 and 39 collate them. In other words, the authentication is performed to determine whether or not the holders of the IC cards 5 and 5a are authorized. If the authentication fails, it is possible to retry about two to three times. It is considered that the IC cards 5 and 5a are illegally used, and data for prohibiting the use of the IC cards 5 and 5a is written.

  Hereinafter, the processing performed by the service processing unit 13 and the account management unit 14 will be described with reference to a specific example. It is assumed that each user is registered in the account database 10 by contract with the payment management center.

(1) In the case of a face-to-face transaction using electronic money First, a face-to-face transaction (that is, a transaction in which value is transferred to a recipient on the spot in exchange for the provision of goods or services) is performed. A case where value is used will be described. In this case, the user terminal 3 uses an IC card in which electronic money is recorded. When using a cash value, the payer first needs to store electronic money equal to or higher than the value to be used in the electronic money account 10a.

  In storing the value in the electronic money account 10a, as shown in FIG. 6, a transfer procedure is performed from the user's account at the financial institution to the account at the receipt and payment management center (P1). In short, when using a cash-type value with an IC card, a prepayment for using the IC card is made to the receipt and payment management center, and the value in this case is guaranteed by prepaid. When the transfer is made by the payer, the financial institution notifies the receipt / payment management device 1 of the payment by the notification device 4 (P2), and the payment / payment management device 1 pays the electronic money corresponding to the deposit amount through the account processing unit 14. It is added to the balance of the person's electronic money account 10a (P3).

  If the electronic money remains in the electronic money account 10a, the payer can use the automatic teller machine 2 to register the required cash-type value in the IC card (P4). That is, this is equivalent to withdrawing cash by ATM, but since the value is actually registered in the IC card, there is no need to store cash in the automatic teller machine 2 unlike ATM. When the value is transferred from the electronic money account 10a to the IC card through the automatic teller machine 2, the account management unit 14 subtracts the transferred value from the payer's electronic money account 10a (P5). Through the series of processes described above, the value stored in the IC card can be used as a cash type.

When actually conducting a face-to-face transaction (P6), the recipient checks the identity of the owner of the IC card, and if the identity verification by the recipient is successful, the payer is sent to the user terminal 3 shown in FIGS. The two IC cards 5a and 5b with the payee are inserted into slots provided in association with the IC card interfaces 33a and 33b, and fingerprint verification of the payer and the payee is performed. In other words, the fingerprint data of the payer and the payee read by the user terminal 3 is transferred to the receipt / payment management device 1, and the service processing unit 13 of the receipt / payment management device 1 stores the confirmation information area 10 e provided in the account database 10. The information is collated with the personal identification information, and if they match, the personal identification is determined to be passed. When the identity verification between the payer and the payee passes, the electronic money is transferred from the payer's IC card 5a to the payee's IC card 5b (P7).

  As described above, in the face-to-face transaction, there is no change in the account database 10 of the receipt / payment management device 1, and only the value transfer between the IC cards is performed. If the recipient transfers the value of the IC card to the receipt / payment management device 1 using the automatic teller machine 2 (P8), the recipient can accumulate the value in the recipient's electronic money account 10a provided in the account database 10.

  By the way, at the time of identity verification, a face photograph can also be used as generally employed in credit cards, in addition to fingerprint verification. That is, since a face photograph is attached to the IC card, in the case of face-to-face transaction, the recipient can confirm the user of the IC card also by confirming the photograph of the IC card. However, for security, identity verification by fingerprint collation is more reliable. For example, a payment of 3000 yen or less is confirmed by a face photo, and a payment of over 3000 yen uses a face photo and fingerprint collation. May be used in combination.

  Here, when the electronic money is transferred between the IC cards, the user terminal 3 writes the electronic money on the receiving side to the IC card in the form of a check-type value. A check type value cannot be directly transferred to another IC card like a cash type value. In other words, the electronic money received from the payer is a check type in the payee's IC card, and cannot be transferred to another IC card as it is. The check-type value stored in the recipient's IC card is once transferred to the recipient's electronic money account 10a through the automatic teller machine 2 so that it cannot be used as a cash-type value unless it is again withdrawn from the electronic money account 10a. It is. That is, when the check-type value stored in the recipient's IC card is transferred to the recipient's electronic money account 10a, the account management unit 14 stores the check-type value in the recipient's electronic money account 10a as a cash-type value. When debiting from the account 10a, it is stored in the IC card as a cash type value. With this function, the electronic money stored in the IC card can be limited to move once with another IC card, and each time the electronic money moves between the IC cards, the payer and the payer can receive the money. Not only can a person be recorded on an IC card, but also the receipt / payment management device 1 can record a transaction history between a payer and a payee.

  The service processing unit 13 of the payment management device 1 manages the cooling-off period for the check type value, and when the electronic money transferred to the electronic money account 10a by the payee through the automatic teller machine 2 is a check type, After the cooling-off period ends, the data is written to the electronic money account 10a of the account database 10. Therefore, the recipient who receives the check-type value can use the electronic money after the cooling-off period ends. When there is a return during the cooling-off period, the electronic money is returned from the electronic money account 10a of the payee to the electronic money account 10a of the payer by a predetermined procedure. When the transaction is completed as described above, the account management unit 14 stores history information (that is, history) including the type of electronic money (whether cash type or check type), payer, payee, transaction date, and transaction amount. The information is a set including at least a type of electronic money, a user ID, a use date, and a transaction amount) in the transaction history area 10f of the account database 10.

  The payment management apparatus 1 provides, by the service processing unit 13, a web page that can be viewed only by a user whose identity has been confirmed for each user, and the content (balance) of the account database 10 in the web page. And checkout history). Here, since the transfer of the electronic money between the two IC cards 5a and 5b is limited to one time, the electronic money can be transferred from the IC card 5b receiving the electronic money to another IC card. In addition, all incoming and outgoing electronic money of the IC cards 5a and 5b can be recorded as history information in the payment management device 1, making unauthorized use difficult. Further, in the user terminal 3, when the electronic money is transferred between the two IC cards 5a and 5b, the IDs of the owners of the two IC cards 5a and 5b are recorded on the two IC cards 5a and 5b, respectively. The electronic money is moved only when the sum of the balance recorded on the payer's IC card 5a and the balance recorded on the payee's IC card 5b matches before and after the movement of the electronic money. If this is done, it is possible to reliably prevent calculation errors when transferring values between the IC cards 5a and 5b.

(2) Case of Net Transaction Using Electronic Money Next, a case where non-face-to-face transactions are performed through the Internet, and a case where value in the form of electronic money is used will be described. Since the electronic money is used in the same manner as in the face-to-face transaction, as shown in FIG. 7, the payer first needs to store electronic money of a value or more to be used in the electronic money account 10a. That is, when the user makes a prepaid transfer to the account of the payment / payment management center at the financial institution (P1), the financial institution notifies the payment / payment management device 1 of the payment by the notification device 4 (P2), and the payment / payment management device 1 Then, the deposit amount is added to the balance of the payer's electronic money account 10a through the account processing unit 14 (P3). Here, in the electronic money account 10a, an area for storing network-type electronic money is provided separately from an area for storing IC card-type electronic money, and history information is recorded separately from the IC card-type electronic money. After the electronic money has been added to the electronic money account 10a, if a transaction is established between the payer and the payee through the network (P4), the payee can determine the transaction date and time, the payer ID, the transaction amount, and the payee ID. Such transaction contents are put together, and a transaction number is added to the transaction contents to notify the receipt / payment management device 1 and the payer (P5).

  The payer checks the contents of the transaction by e-mail, and transfers the e-mail to the payment management device 1 (S6). The reason why the mail including the transaction number and the transaction content is transferred from the payer to the receipt / payment management apparatus 1 is to notify the payment to the payee that the payment has been approved. The payment management apparatus 1 subtracts the electronic money corresponding to the transaction amount approved by the payer from the payer's electronic money account 10a. However, at this point in time, the value subtracted from the payer's electronic money account 10a is not immediately added to the payee's electronic money account 10a, but the value subtracted from the payer's electronic money account 10a is temporarily used by the receipt and payment management device 1. (S7). Further, the service processing unit 13 of the receipt / payment management device 1 instructs the recipient to send out the product (P8). As an instruction method, a facsimile or a telephone using synthetic voice may be used in addition to the mail. The service processing unit 13 of the payment management device 1 manages the cooling-off period, and if there is no cooling-off request from the payer, the electronic money is transferred to the electronic money account 10a of the recipient after the cooling-off period expires (P9). ).

  As is apparent from the above description, after subtracting the electronic money from the payer's electronic money account 10a, the payment management center sends the payment to the payee's electronic money account 10a after the expiration of the cooling-off period. Guarantee payment and instruct shipping. The payee who has been instructed to ship the goods notifies the receipt and payment management center of the shipment by e-mail when the goods are shipped, and the receipt and payment management center transfers the e-mail to the payer. This process is automatically performed by the service processing unit 13 in the payment management device 1 without any manual intervention. When the completion of the receipt of the goods by the payer is notified to the receipt / payment management apparatus 1 (the delivery notification may be received from the goods carrier), the receipt / payment management apparatus 1 expires the cooling-off period after the completion of the delivery of the goods. To transfer the value for the product to the electronic money account 10a of the receiver. In other words, during the period from the subtraction from the payer's electronic money account 10a to the transfer of the electronic money to the payee's electronic money account 10a (corresponding to the cooling-off period), the payment management center temporarily stores the electronic money. Will be entrusted to you. Here, if the cooling-off occurs before the expiration of the cooling-off period, the payment management center intervenes to solve the problem.

  As described above, when the payee desires to cash the electronic money accumulated in the electronic money account 10a, the payee uses the automatic teller machine 2 or the user terminal 3 to confirm the identity of the payee management center. After receiving it, request a transfer to the account of the designated financial institution. The payment management device 1 transfers the electronic money account 10a of the receiver to the electronic money account 10a corresponding to the payment management center. At the same time, a transfer process is performed from the account of the financial institution held by the receipt / payment management center to the account of the financial institution designated by the recipient. Here, the service processing unit 13 automatically performs the work from the request of the transfer by the payee to the transfer of the payment and payment management center to the financial institution. In addition, the transfer from the account of the receipt / payment management center to the account of the payee is transferred from the deposits that the receipt / payment management center has deposited to the financial institution as a restricted deposit, and electronic money corresponding to the reduced amount of the deposit is received and paid. Cancel from the electronic money account 10a corresponding to the management center. When the transaction is completed as described above, the account management unit 14 sets history information including the payer, the payee, the transaction date, and the transaction amount (that is, the history information is in the form of electronic money, the user ID, the date of use). , A set including at least the transaction amount) in the transaction history area 10f of the account database 10.

  By performing the transaction according to the above procedure, the receipt / payment management center also provides an escrow service, which can secure the security of the transaction between the payer and the payee when conducting the transaction through the network. Become.

(3) Case of face-to-face transaction using bill-type value A case where face-to-face transaction is performed using a bill-type value will be described with reference to FIG. This form of value transfer is equivalent to the transfer of monetary value by a promissory note, and has the function of a promissory note in a form in which a financial institution guarantees the execution of a loan to a drawer (payer). Further, in order to use the bill-type value, the bill database 10b of the proxy payer is also provided in the account database 1 of the payment management apparatus 1.

  The drawer who draws the bill first needs to provide collateral to the financial institution and receive a loan guarantee of the bill clearing fund (P1). A limit is set for the bill clearing fund in accordance with collateral or the like. When the financial institution approves the loan guarantee, the financial institution notifies the financial institution communication unit 12 of the payment management apparatus 1 managed by the proxy payer of the approval of the loan guarantee of the bill clearing fund and also notifies the drawer of the approval of the loan guarantee. (P2). When the financial institution notifies the payment management center and the drawer of the approval of the loan guarantee, the drawer can request the payment management center to issue a bill-type value in the loan guarantee frame by the financial institution. In response to this request (P3), the receipt / payment management device 1 sends the bill type value in which the financial institution has entered at least the amount of payment corresponding to the amount within the guarantee frame, the settlement date, and the payee, to the payer's bill account 10b1. (P4). Here, since the form of the value stored in the bill-of-payment account 10b1 is a bill type, the settlement date is entered. For values that have not been issued by the settlement date, a separate bill-type value can be requested using the automatic teller machine 2 or the user terminal 3 (P3). That is, the bill-of-payment account 10b1 functions as a bill book.

  When the drawer uses the bill type value, the drawer uses the automatic teller machine 2 or the user terminal 3 to withdraw the bill type value stored in the bill payable account 10b1 to the IC card by a necessary amount. (P5). When the value is transferred from the bill-of-payment account 10b1 to the IC card through the automatic teller machine 2 or the user terminal 3, the account management unit 14 of the receipt / payment management device 1 subtracts the moved value from the bill-of-payment account (P6).

  When a face-to-face transaction is performed using the bill-type value drawn on the IC card (P7), the recipient checks the identity of the owner of the IC card and uses the user terminal 3 if the identity is passed. Then, the value of the bill type is transferred from the issuer's IC card to the receiver's IC card (P8). When paying with a bill-type value, the payee checks the payment amount, settlement date, and the like. In this way, the bill-type value is directly transferred from the issuer's IC card to the recipient's IC card.

  The recipient who has received the value of the bill type in the IC card can transfer the value of the IC card to the receipt / payment management device 1 using the automatic teller machine 2, and can receive the bill in the recipient's bill account 10b provided in the account database 10. The value is deposited in the account 10b2 (P9). In other words, the receiver has requested the bill collection and payment management center to collect bills.

  In the account management unit 14 of the receipt / payment management device 1, when the bill-type value deposited in the bill-receiving account 10b2 of the payee reaches the settlement date, it corresponds to the bill-type value from the electronic money account 10a of the issuer of the value. While reducing the electronic money, the electronic money in the electronic money account 10a of the receiver is increased by the same amount (P10). At the same time, the value in the transaction is canceled from the payer's bill account 10b1 and the value in the transaction is canceled from the recipient's bill account 10b2 (P11). The payment record is stored in the transaction history area 10f of the account database 10 as history information (that is, the history information is a set including at least a value form, IDs of users (payers and payees), use dates, and transaction amounts). Stored.

  By the way, when debiting the electronic money corresponding to the bill from the electronic money account 10a of the issuer, if the balance of the electronic money in the electronic money account 10a is insufficient, the account management unit 14 guarantees the loan to the issuer. Request the financial institution to provide a loan to the drawer of the same amount as the shortfall, and request that the amount be transferred to the account of the payee at the financial institution. When the financial institution notifies that the shortfall amount has been transferred to the proxy payee's account at the financial institution, the account management unit 14 issues the transfer amount of electronic money to the transferor's electronic money account, and immediately thereafter. Then, the same amount of electronic money is transferred to the receiver's electronic money account (P10). Further, the payee's bill of exchange account is settled, and the value of the bill of exchange equivalent to the same amount in the payer's bill of exchange is transferred to the bill payable account of the proxy payee.

  Here, the movement of the bill-shaped value between the two IC cards 5a and 5b is limited to one time. In other words, transfer of the bill from the IC card 5b that has received the bill to another IC card is prohibited, and unauthorized entry and exit of the bills of the IC cards 5a and 5b are recorded in the receipt / payment management device 1 as history information. It becomes difficult. Further, in the user terminal 3, when the bill is moved between the two IC cards 5a and 5b, the IDs of the owners of the two IC cards 5a and 5b are recorded on the two IC cards 5a and 5b, respectively. Only when the sum of the balance recorded on the payer's IC card 5a and the balance recorded on the payee's IC card 5b matches before and after the movement of the bill type value, the bill type value is transferred. As a result, it is possible to reliably prevent a calculation error when the bill type value is moved between the IC cards 5a and 5b.

(4) Case of Internet Transaction with Bill Type Value A case where a bill type value is used in non-face-to-face transaction through the Internet will be described with reference to FIG. Until the issuance of the bill-type value, the procedure is the same as that of steps P1 and P2 described with reference to FIG. 8 for the face-to-face transaction. After step P2, the drawer becomes able to conduct a net transaction using the bill-type value. .

  When the network transaction is established between the issuer and the receiver (P3), the receiver collects the transaction contents such as the transaction date and time, the payer ID, the transaction amount, and the recipient ID, and adds the transaction number to the transaction content. In addition, the payment management device 1 and the payer are notified (P4). The issuer confirms the details of the transaction by e-mail, and transfers the e-mail to the payment / payment management device 1 (S5). The reason why the mail including the transaction number and the transaction content is transferred from the payer to the receipt / payment management device 1 is to notify that the payment to the payee has been approved. Further, in order to use the bill type value, the drawer requests the receipt and payment management center to issue the bill type value together with the approval and notification of the transaction (P6). In response to this request, the receipt / payment management device 1 once issues a bill type value corresponding to the transaction amount to the issuer's payable bill account 10b1 (P7). However, the bill-type value issued in this way is temporarily stored by the receipt / payment management device 1 by the escrow service (P8). In addition, the service processing unit 13 of the receipt and payment management device 1 instructs the recipient to send out the product (P9). As an instruction method, a facsimile or a telephone using synthetic voice may be used in addition to the mail.

  The service processing unit 13 of the payment management device 1 manages the cooling-off period and the expiration date of the escrow service, and if there is no offer for the cooling-off from the payer, the account management unit 14 expires the cooling-off period and escrow service. When the expiration date of the service is over, the value of the bill type temporarily stored is transferred to the bill receivable account of the recipient to 10b2 (P9).

  In the account management unit 14 of the receipt / payment management device 1, when the bill-type value deposited in the bill-receiving account 10b2 of the payee reaches the settlement date, it corresponds to the bill-type value from the electronic money account 10a of the issuer of the value. While reducing the electronic money, the electronic money in the electronic money account 10a of the receiver is increased by the same amount (P10). At the same time, the value in the transaction is canceled from the payer's bill account 10b1 and the value in the transaction is canceled from the recipient's bill account 10b2 (P11).

  In this case, as in the case of the face-to-face transaction, the settlement record is stored in the transaction history area 10f of the account database 10 in the history information (that is, the history information is a value form, a user (payer and payee) ID, a use date). , A set including at least the transaction amount). In addition, when the electronic money corresponding to the bill is withdrawn from the electronic money account 10a of the issuer, the account management unit 14 guarantees the loan to the issuer if the balance of the electronic money in the electronic money account 10a is insufficient. Request the same amount of loan transfer from the financial institution. The processing in this case is the same as the case of the face-to-face transaction.

  By the way, in the above-described processing, a deposit is generated in the account database 10 provided in the receipt / payment management center during a cooling-off period or the like. Such a deposit is treated as a restricted deposit of a financial institution so that the receipt / payment management center does not withdraw alone. Such measures can prevent the receipt and payment management center from embezzlement. In addition, since both the deposit and withdrawal management center deposits into the account provided by the financial institution and makes payments from the account with the payment and receipt management center, the transfer is made by bank transfer. By examining the contents of the transfer between the company and the company, it is possible to track the sales and the like, and fraud hardly occurs. In addition, electronic money saves all history data from deposit to deposit to deposit and withdrawal to a financial institution's account after it has been deposited as a deposit, making fraudulent activities such as money laundering difficult to prevent crime. be able to.

  Further, when the electronic money in the account database 10 is transferred using the automatic teller machine 2 or the user terminal 3, a person in charge of the payment management center is interposed between the payer and the payee, and the three persons are authenticated. Otherwise, electronic money may not be transferred. In this case, the person in charge of the receipt / payment management center must be able to perform the receipt / payment operation unless the ID card of the person in charge is attached to the dedicated terminal device. Therefore, the ID of the person in charge registered in the ID card is also stored in the receipt / payment management device 1, making unauthorized use of electronic money difficult.

  In addition, as described above, the fingerprint data of the owner is registered in the IC card as an identity verification technique, so that when the IC card is used, the fingerprint of the user is compared with the fingerprint data registered in the IC card. By doing so, the accuracy of identity verification is increased. Here, since the fingerprint data is stored in the IC card, there is no need to collect and store the fingerprint data of a large number of people in one place, and no traffic is generated on the network when performing the fingerprint collation. Further, in the fingerprint collation, fingerprint data of a plurality of (up to 10) fingers are stored in the personal identification information 10e and the IC card in the account database 10 of the receipt and payment management device 1, and are stored in the automatic payment machine 2 and the When the payment / payment management device 1 is accessed using the user terminal 3, the fingerprint data of at least one finger read by the fingerprint scanners 24 and 34 is compared with the fingerprint data in the IC card to check the owner of the IC card. After performing authentication, the receipt / payment management device 1 compares the fingerprint data of the other finger read by the fingerprint scanners 24 and 34 with the fingerprint data registered in the receipt / payment management device 1 and outputs the password data when connecting to the receipt / payment management device 1. May be used. As described above, by using fingerprint data of a plurality of fingers and confirming the owner of the IC card and using it as password data when connecting to the payment management device 1 (or a dedicated web page), a security function is provided. Can be increased. Moreover, it is not necessary to rely on storage as in the case of using a personal identification number as the personal identification data, and the possibility that the personal identification data is stolen by another person is greatly reduced as compared with the personal identification number. Further, the payment management apparatus 1 has a function of confirming the identity of the user of the IC card as described above, and thus provides the service of confirming the identity to another site such as another site on the Internet. You may do so. That is, at a site that requires user identification regardless of the operation of the electronic money, the receipt / payment management device 1 may be used to perform the identification (user authentication).

  In addition to ensuring security through identity verification as described above, as a technology for further enhancing security in face-to-face transactions, past transaction information is stored as a history by using a large-capacity IC card, and using a smart card When making a transaction, the transaction may be collated with the history information stored in the transaction history area 10f registered for each user in the account database 10 of the receipt and payment management device 1. As the history information, at least a transaction date, a payer IC, a payee ID, and a transaction amount are stored in association with each other, all past records are stored in the payment / receipt management apparatus 1, and the IC card has a capacity within the range of the capacity. If the history information stored in the IC card is stored a plurality of times, the history information stored in the IC card is compared with the history information stored in the receipt / payment management device 1 at the time of the transaction, and the history information stored in the IC card is received / paid. When it is not included in the history information stored in the device 1, the use of the IC card can be prohibited. Since the history information is changed every time an IC card is connected to the automatic teller machine 2 or the user terminal 3, it is difficult to forge an IC card storing such history information. Since the same history information is stored in two places, the IC card and the IC card, even if the data in the IC card is damaged or lost, it can be restored.

  As described above, the intermediary of the third-party payment management center between the payer, the payee, and the financial institution allows the payment management center to confirm the transaction up to settlement and to implement the cooling-off system. Because of the correspondence, the payer can cancel the payment if there is a problem with the transaction contents, and the payee can be guaranteed payment by the payment management center, so that the payment can be reliably collected. . In addition, since electronic money does not move between the financial institution and the payment / receipt management center, only deposit / withdrawal to / from the bank account of the payment / receipt management center is notified from the financial institution to the payment / receipt management center. Neither the transaction of the financial institution nor the transaction using the network can directly move the deposit of the financial institution, and a highly secure system in this sense can be constructed.

  The contact point of the payment management center described above may be an Internet portal site provided for each city, and a payment program for processing the payment management apparatus 1 may be incorporated in each site. Since the IC card has a function of confirming the identity, it can be used together with various ID cards. For example, various types of cards such as time cards, store cards (department store cards, various membership cards), and medical / welfare cards can be used. It can be used with a card. However, in the case where such an ID card is also used, a unique ID for use as another ID card is required. Therefore, if an application program for linking such a unique ID and a user ID when using electronic money is provided to various service providers and the application program is executed on a computer owned by the service provider, an IC is provided. By recording only the user ID on the card, application to other ID cards becomes possible without recording other IDs. In short, the user name, user ID, and fingerprint data should be recorded on the IC card for identification, and a photo of the user's face should be attached to the IC card. Can also be used as an ID card. In addition to the ID card described above, an IC card can be used also as a resident card, a David card, an employee card, a mall card, a credit card, and the like.

  In the above example, the point-type value and the eco-money value are not particularly described, but the point-type value and the eco-money value can be handled in the same manner as the electronic money. However, point value and eco-money value do not necessarily need to be linked with financial institutions. For example, by integrating a store card with the above-described IC card, and holding the point-type value provided by the store in the IC card, using the automatic teller machine 2 or the user terminal 3 as a store card It is possible to receive authentication, and store data such as a store ID, a recipient ID, and a point type value are stored in an IC card as data accompanying the point type value. By using the automatic teller machine 2 and the user terminal 3, such a point-type value can be transferred to the receiver's point bank 10c in the same manner as electronic money. Also, eco-money value can be settled in the same procedure as point-type value.

  The above-described IC card can be used for settlement processing and authentication processing in a company. In other words, if you issue an IC card to be used in a company separately from an individual IC card, sales purchase slips, quotations, invoices, receipts, accounting, settlement, etc. The electronic card processing becomes possible by the authentication function of the IC card. By issuing an employee-specific ID in a company as described above, it becomes possible to issue various electronic slips, electronic bills, and electronic receipts. In addition, the accounting department can provide an employee-specific account using the employee-specific ID of each person in the account database 10. For example, a card ID in which the upper digit is a company identification ID and the lower digit is an employee ID is set, and electronic money of a payment limit corresponding to the work of the employee is transferred to an employee account specified by the card ID. Also, expenses and the like can be managed in the same account for each employee. The same applies to the payment, and the payment is made to the account for each employee in the company, and the total balance of the account for each employee becomes the total balance of the company account. The status of deposits and withdrawals can be viewed and managed on the Internet, leading to streamlining of management.

  If a plurality of IDs and application programs are stored in the IC card, such as a credit ID and a credit application, a financial institution ID and a financial institution application, a single IC card can be used as a multifunctional ID card. It can be used. In addition, functions such as the fingerprint collation in the automatic teller machine 2 and the user terminal 3 described above can be provided by the IC card. It should be noted that the provision of the terminal device over a wide area and the provision of the right to use the terminal, or the provision of the right to jointly use the IC card may be provided as data of the IC card.

  In addition, the receipt / payment management device 1 can use the history information stored in the transaction history area 10f to classify the use of electronic money by user, product, store type, and region. Yes, it can be used for market research.

FIG. 1 is a block diagram showing the overall configuration of the present invention. It is a front view which shows the external appearance of the automatic teller machine used for the same as the above. It is a block diagram which shows the automatic teller machine used for the same as the above. FIG. 2 is a front view showing the appearance of the user terminal used in the above. It is a block diagram which shows the user terminal used for the same as the above. It is a figure which shows the transaction procedure by the electronic money in the same face-to-face transaction. It is a figure which shows the transaction procedure by the electronic money in the Internet transaction same as the above. It is a figure which shows the transaction procedure in the value of a bill type | form in the same face-to-face transaction. It is a figure which shows the transaction procedure in the value of a bill type | form in the same Internet transaction.

Explanation of reference numerals

REFERENCE SIGNS LIST 1 payment management device 2 automatic teller machine 3 user terminal 4 notification device 5a, 5b IC card 10 account database 10a electronic money account 10b bill account 10b1 bill payment account 10b2 bill payment account 10e identity verification information 10f transaction history area 13 service processing section 14 Account management unit 21 Handset 22 Operation unit 23 Card interface 24 Fingerprint scanner 26 TV camera 27 Display unit 32 Operation unit 33a, 33b Card interface 34 Fingerprint scanner NT Internet

Claims (4)

  A payment / payment management device that intervenes between a proxy payer that guarantees the monetary value of an electronic value that is a substitute for a money value and a user of an electronic value and that operates the transfer of an electronic value, and a payment / payment management device A terminal device capable of communication and to which a user's IC card is readable and writable. The receipt / payment management device stores electronic value accounting for each user and records the transfer of electronic value. The terminal device has a function of extracting and storing an electronic value from the user account of the IC card user in the IC card, and a function of extracting and storing the electronic value in the IC card. The function of depositing an electronic value into the user account of the user of the IC card and the transfer of the electronic value stored in one of the two IC cards between the IC cards is prohibited. Payment system using an IC card, characterized in that it comprises at least a function of moving to the other IC card in the form.   The electronic value is electronic money that is a substitute for currency, and the receipt / payment management device stores electronic money corresponding to an amount transferred from a user to a dedicated account of a financial institution in the user account of the user. A function for storing the information in the provided electronic money account, a function for performing a transfer procedure from the dedicated account to the designated account when a transfer to the designated account is requested through the terminal device, and a function for transferring the IC card attached to the terminal device. A function of transferring electronic money from the electronic money account of the user of the IC card to a user, a function of transferring electronic money from the IC card attached to the terminal device to the electronic money account of the user of the IC card, 2. The IC card according to claim 1, further comprising a function of transferring electronic money from the electronic money account of the user to be used to the electronic money account of the user to be the recipient. Settlement system using a de.   The electronic value is electronic money that is a substitute for currency and a bill-type electronic value that is a substitute for a bill, and the receipt / payment management device uses the IC card attached to the terminal device for the IC card. The function of transferring the electronic value of the bill type from the bill of exchange account provided in the user account of the card user, and the function provided from the IC card attached to the terminal device to the user account of the user of the IC card. A function to transfer the electronic value of the bill type to the bill receivable account, and a user who becomes a payer for the electronic money account storing the electronic money provided in the user account when the settlement date of the electronic value of the bill type is reached. A function to transfer electronic money equivalent to the electronic value of the bill type from the electronic money account of the user to the electronic money account of the user as the payee, Payment system using an IC card according to claim 1, characterized in that it comprises a function to cancel the person in notes account.   The receipt / payment management device is provided with a bill-of-account account of a proxy payer, and the user as a payer is limited to the amount of money guaranteed by the financial institution by the financial institution when the user pays by proxy. The function of storing the electronic value of the bill type corresponding to the amount requested by the person in the bill of payment account of the user, and the guarantee of the loan by the financial institution when the electronic money of the payer runs short when the electronic money is transferred. A function to transfer the shortfall amount received in the payer's e-money account within the limit received to the payer's e-money account and immediately transfer it to the payee's e-money account, 4. The settlement system using an IC card according to claim 3, further comprising: a function of transferring the electronic value to a bill of receivable of a proxy payer at the same time that the target value is settled.

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