JP2006172492A - Deposit account system and online shopping system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a bank account and on-line shopping system in which security is enhanced. <P>SOLUTION: Another time limit bank account is newly opened by transferring an amount within the deposit balance of the existing bank account. The time limit bank account is opened only on specific days of the week or only in a specific time zone in a predetermined opening period, disappears when the predetermined opening period expires and deposit remaining at the time of disappearance is transferred to the existing bank account. The time limit bank account is applicable to an on-line settlement system and the on-line shopping system and withdrawal of money or acceptance of an order of an article are allowed only during opening of the time limit bank account. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a bank deposit account with improved safety, an online payment system and an online shopping system using the deposit account.

  The online shopping system using personal computer communication has the advantage that users can shop at home, and the store can supply users with a large amount of the latest product or service information. It has the advantage of being able to sell products and services to distant users, and has recently become increasingly popular with the development of computers and communication lines. Furthermore, recently, the online shopping system has shifted to the Internet world, and PC owners can obtain information on visual products or services of stores around the world through their websites. Coupled with this, the number of users of the online shopping system has increased explosively, and the online shopping system is attracting great expectations and attention as a new form of business. In the online shopping system, payment for the purchase price is often carried out online using a bank deposit account or a credit card from the viewpoint of ease of processing.

For example, in an online shopping system in which the payment of the purchase price is settled by a bank deposit account, the store host system supplies order information for the user to place an order online to the user's computer system. The person writes payment information such as a bank name, a deposit account number, and a personal identification number in this, and transmits it to the store. Then, the store's host system inquires the bank's host system via the communication line whether the payment for the purchase price of goods or services can be settled by the deposit account, and places an order when the inquiry result is acceptable. Receive an order. When the order is completed, goods or services are provided from the store to the user, and the purchase price is withdrawn from the deposit account on the settlement date. Documents related to such prior art are listed below.
JP 60-235272 A Japanese Patent Laid-Open No. 3-196394 JP-A-8-96034

  As mentioned above, when a bank PIN, deposit account number, card number, etc. are exchanged online, the PIN or card number is stolen by a hacker, etc. There is a danger that orders for services and services will be made. Therefore, although the store supplies software that encrypts information to the user online, the user encrypts the PIN number, deposit account number, card number, etc. before sending the information. May be deciphered and is not necessarily an effective measure.

  Note that the problem of the bank PIN being stolen exists not only in the online shopping system but also in other electronic commerce transactions in which payment is settled by a bank deposit account.

  The present invention has been made in view of the circumstances as described above, and an object thereof is to provide a bank deposit account with improved safety, an online payment system and an online shopping system using the same. is there.

  In order to achieve the above object, the present invention is a bank deposit account system, wherein the time deposit account that expires after a predetermined opening period elapses is established in association with an existing deposit account; Second means for transferring at least a portion of deposits in the deposit account to the time deposit account; and third means for transferring deposits in the time deposit account to the existing deposit account when the predetermined opening period has elapsed. It is characterized by having.

  Further, in the deposit account system configured as described above, when there is a settlement inquiry request for a predetermined amount with respect to the time deposit account, fourth means for determining whether or not the time deposit account can settle the predetermined amount; And a fifth means for transmitting the determination result of the fourth means.

  The deposit account system having the above-described configuration may include a sixth means for transferring the predetermined amount from the time deposit account when the fourth means determines that payment is possible.

  Further, in the deposit account system configured as described above, the fourth means is configured to determine whether settlement is possible based on at least one of the deposit balance of the time deposit account and the predetermined opening period of the time deposit account. Good.

  In addition, the inquiry request system of the present invention includes a payment inquiry request output means for outputting the payment inquiry request to the deposit account system.

  The settlement system of the present invention includes the above deposit account system and the inquiry request system configured as described above connected to the deposit account system in a communicable manner.

  Since the time deposit account of the present invention disappears when the predetermined opening period ends, the damage when the password is stolen can be reduced.

  In addition, by making it possible to open the time deposit account of the present invention only for a predetermined day of the week and / or time period, damage caused when the password is stolen can be reduced.

  The online payment system of the present invention can reduce the deposit only during the opening period of the time deposit account, and therefore can reduce the damage when the PIN is stolen.

  Since the online shopping system of the present invention receives an order only within the period for opening a time deposit account, it is possible to reduce the damage caused when the password or the card number is stolen.

  Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a schematic configuration of a bank host system having means for opening a time deposit account according to the present invention. The host system 1 includes a host computer 2 and a storage device 3 connected to the host computer 2, and the host computer 2 is connected to an ATM (automatic deposit / payment machine) 4. The storage device 3 includes a deposit account master 3a that records information related to a deposit account, and a time deposit account master 3b that records information related to a time deposit account. The means for opening a time deposit account is composed of a program stored in the ROM of the computer that controls the ATM 4 and a program stored in the ROM of the host computer 2.

  The procedure for opening a time deposit account will be described with reference to the flowchart shown in FIG. On the operation screen of ATM 4, transaction details such as deposit withdrawal, deposit, transfer, time deposit account opening, etc. are displayed, and the depositor selects an item for time deposit account opening from these (Steps # 5, # 10) ).

  When this is completed, the screen requests insertion of a bankbook or cash card, so the depositor inserts the bankbook or cash card into a predetermined insertion slot of ATM4. If there is no bankbook or cash card, a deposit account number is input using an operation key (step # 15).

  When this is finished, the depositor inputs an arbitrary number because the screen requests input of a personal identification number. When this is completed, the ATM 4 inquires the host computer 2 whether or not this number has already been registered, and the host computer 2 searches the time deposit account master 3b and informs the ATM 4 of the result. If the same password already exists, the ATM 4 screen displays a message indicating that the password cannot be accepted and a request for inputting the password again, so that the depositor operates to input the password until it can be accepted ( Steps # 20 and # 25). The personal identification number may be automatically given from the ATM 4, or the ATM 4 may give a part of the personal identification number, and the depositor may combine the arbitrary number with this to create the personal identification number.

  When the setting of the personal identification number is completed, the screen requests input of a time deposit account opening period, and the depositor inputs a desired period (step # 30). When this is complete, the screen asks whether you want to specify the opening day of the week and the opening time zone. Enter the day of the week and / or the time zone if you want to specify it, otherwise enter the next operation (transfer amount input) ) Is input (steps # 35 and # 40).

  Next, the screen asks for the transfer amount from the deposit account that the depositor already has to this bank to the time deposit account, so the depositor enters the desired amount. The host computer 2 searches the deposit account master 3a to check whether it can be transferred, and if possible, transfers the amount from the deposit account to the time deposit account (step # 45). Finally, a transaction statement that prints the timed account number, opening period (day of the week, time zone), deposit balance, etc. is issued (step # 50). The time deposit account disappears when the opening period ends, and the deposit remaining in the time deposit account is automatically transferred to the depositor's deposit account.

  FIG. 3 is a block diagram showing a schematic configuration of an embodiment of the online shopping system of the present invention. This online shopping system is such that the purchase price of goods or services is settled by a bank deposit account, and the user's computer system 5 is connected to the store host system 6 via the public network PL, and the store 1 is connected to the bank host system 1 of FIG. 1 via a dedicated communication line L.

  A user computer system 5 includes a personal computer (hereinafter referred to as a personal computer) 7 and a printer 8, and the personal computer 7 is connected to the public network PL through an interface 9.

  The store host system 6 includes a host computer 10, a storage device 11, and a terminal device 12, and the host computer 10 is connected to the public network PL through an interface 13. The storage device 11 has a product information master 11a for managing product image data and detailed information (manufacturer name, price, size, color, etc.). The terminal device 12 is used to input product information and the like to the host computer 10 and is configured by a personal computer or the like.

  Next, the case of actually purchasing goods and services using this online shopping system will be described with reference to the flowchart of FIG. First, the user opens a time deposit account at the bank. Next, the user activates the personal computer 7 to connect to the Internet and displays the homepage of the desired store (step # 105). When the user selects a product genre according to an instruction on the screen (step # 110) and then inputs a manufacturer name (step # 115), the store host computer 10 stores the image data of the product from the product information master 11a. Is transmitted to the user's personal computer 7 (step # 120).

  After confirming the image data of the product, the user inputs a request to display detailed information (price, color, size) of the product according to the instruction on the screen. The store host computer 10 reads the detailed information of the product from the product information master 11a and transmits it to the user's personal computer 7 (step # 125). If the user confirms the information and wishes to purchase the product, enter that information and the screen will display the bank name and deposit account number of the bank account used to settle the payment for the purchase of the product. Since the user requests input of payment information such as a personal identification number, the user inputs payment information such as a time deposit account number according to the instruction (steps # 130 and # 135). When the user inputs that he / she does not wish to purchase the product, the screen returns to the product genre selection screen.

  When the payment information is input, the store host computer 10 inquires of the bank host computer 2 via the communication line L whether or not the purchase price of the product can be settled by the user's time deposit account. The host computer 2 of the bank searches the time deposit account master 3b, checks the deposit balance and opening period of the user's time deposit account, and checks whether or not settlement is possible. Is transmitted to the store host computer 10 and the transaction content is recorded in the time deposit account master 3b (step # 140). If payment is not possible in step # 140, an error message is displayed and a question is asked whether or not to cancel the transaction. If transaction continuation is selected, the screen returns to the product genre selection screen, and if transaction cancellation is selected, the screen returns to the homepage screen (step # 145).

  When the store's host computer 10 receives a notice from the bank's host computer 2 that payment can be made, the store's host computer 10 notifies the user's personal computer 7 that the order has been completed and asks whether or not to purchase another product. When the user inputs that he / she purchases another product, the screen returns to the product genre selection screen, and when the user inputs no purchase, the screen returns to the homepage screen.

  When the store receives an order from the user, the store ships the product. Then, the purchase price of the product is transferred from the user's deposit account to the store's deposit account on the settlement date.

  Next, another embodiment of the online shopping system of the present invention will be described. FIG. 5 is a block diagram showing a schematic configuration of the online shopping system. In addition, the same code | symbol is attached | subjected to the part same as the system of FIG. 3, and description is abbreviate | omitted.

  This online shopping system is such that the purchase price of goods or services is settled by credit card, and the host system 14 of the credit company has a host computer 15 and a storage device 16. The host computer 15 is connected to the store host computer 10 via the communication line L, and is connected to the bank host computer 2 via the communication line L. The storage device 16 has a customer master 16a for managing information related to customers (card number, credit balance, expiration date, black card, etc.).

  When the opening of the time deposit account is completed, the user notifies the credit company of the account number and password of the time deposit account, and the credit company records them in the customer master 16a.

  Next, a procedure for a user to order goods or services from a store will be described with reference to FIG. The procedure from step # 105 to step # 130 is the same as that in the embodiment of FIG. In this embodiment, in step # 135, the user inputs credit information such as a credit company name, a credit card number, and a payment method.

  When the input of the credit information is completed, the store host computer 10 inquires of the credit company host computer 15 via the communication line L whether or not the purchase price of the product can be settled by the user's time deposit account. The host computer 15 of the credit company searches the customer master 16a and checks whether the credit balance is a black card or not, and determines whether a time deposit account is opened on the settlement date via the communication line L. To the bank's host computer 2.

  The host computer 2 of the bank searches the time deposit account master 3b, checks the opening period of the user's time deposit account, and transmits the result to the host computer 15 of the credit company. In response to this, the host computer 15 of the credit company determines whether or not the card can be used, and if so, transmits the fact to the host computer 10 of the store and records the transaction contents in the customer master 16a. (Step # 140). If the card cannot be used, a message to that effect is sent to the store host computer 10, an error message is displayed on the user's personal computer 7, and a message is displayed asking whether or not to cancel the transaction. When the user selects to continue the transaction, the screen returns to the product genre selection screen, and when the user selects to cancel the transaction, the screen returns to the homepage screen (step # 145). The process of step # 150 is the same as that of the embodiment of FIG.

  When the store receives an order from the user, the store ships the product. The purchase price of the product is transferred from the user's deposit account to the credit company's deposit account on the settlement date.

  In the above embodiment, when there is a card inquiry from the store to the credit company, the credit company inquires the bank about the opening period of the time deposit account, but the user opens the time deposit account to the credit company. The credit card company may determine whether or not the card can be used based on the opening period. If it does in this way, when there is a card inquiry from the store to the credit company, the credit company can promptly respond.

  In the above embodiment, the user transmits the credit card number. Instead, when the user registers the time deposit account with the credit company, the credit company deletes the time deposit account. At the same time, a temporary credit card number that disappears may be given to the user, and the user may place an order using this number. In this way, it is possible to prevent the credit card number from being known to hackers and the like, and thus the safety is further improved.

  Moreover, in each said embodiment, although a store or a credit company makes the inquiry of a time deposit account directly to a bank, you may make it inquire through a credit system. Further, when a store makes a card inquiry to a credit company, it may be made via a credit system.

The block diagram which shows schematic structure of the host system of a bank. The flowchart figure which shows the procedure of a time deposit account opening. The block diagram which shows schematic structure of one Embodiment of the online shopping system of this invention. The flowchart figure which shows the utilization method of the online shopping system of this invention. The block diagram which shows schematic structure of other embodiment of the online shopping system of this invention.

Explanation of symbols

1 Bank Host System 6 Store Host System 7 User Computer System 14 Credit Company Host System PL Public Line Network (Communication Line)
L Communication line

Claims (6)

A bank deposit account system,
First, a time-deposited account that is opened only on the opening day within the opening period is opened in association with the depositor's existing deposit account by receiving an input designating a predetermined opening period and opening day from the depositor. Means of
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
When the opening period has passed, a third means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
A deposit account system characterized by comprising: A bank deposit account system,
Upon receiving an input specifying a predetermined opening period and opening time period from a depositor, a time deposit account that is opened only during the opening time period within the opening period is opened in association with the depositor's existing deposit account A first means;
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
When the opening period has passed, a third means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
A deposit account system characterized by comprising: The system according to claim 1 or 2,
When there is a settlement inquiry request for a predetermined settlement amount with respect to the time deposit account, whether or not the time deposit account is being opened and the settlement of the predetermined amount is possible A fourth means for determining;
Fifth means for transmitting the determination result of the fourth means to the requester of the settlement inquiry request;
Sixth means for transferring the predetermined amount from the time deposit account on a predetermined settlement date when the fourth means determines that settlement is possible;
A deposit account system, further comprising: The system according to any one of claims 1 to 3,
After the time deposit account was opened by the first means and the transfer amount was transferred by the second means, the time account number, the opening period, the opening day of the week or the opening time, and the balance of the time deposit account were printed A deposit account system, further comprising a seventh means for issuing a transaction statement. An online shopping system configured by connecting a bank account system and a credit company payment system online,
The bank account system is
A first means for receiving an input designating a predetermined opening period from a depositor, and opening a time deposit account that is opened only within the opening period in association with the depositor's existing deposit account;
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
When the opening period has passed, a third means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
Have
The credit company payment system is:
Means for accepting notification of the account number and opening period of the time deposit account from the depositor who is a card member;
Means for determining whether or not a credit card can be used based on the establishment period when there is an inquiry from the store regarding the use of the depositor's card;
An online shopping system characterized by comprising: An online shopping system configured by connecting a bank account system and a credit company payment system online,
The bank account system is
A first means for receiving an input designating a predetermined opening period from a depositor, and opening a time deposit account that is opened only within the opening period in association with the depositor's existing deposit account;
The depositor who has opened the time deposit account receives an input specifying a predetermined transfer amount, confirms whether the transfer amount can be transferred from the existing deposit account, and then the existing deposit A second means for transferring the transfer amount from an account to the time deposit account;
When the opening period has passed, a third means for transferring the deposit remaining in the time deposit account to the existing deposit account and extinguishing the time deposit account;
Have
The credit company payment system is:
Means for accepting notification of the account number and opening period of the time deposit account from the depositor who is a card member;
Means for granting the depositor a temporary credit card number associated with the time deposit account, and allowing the depositor to place an order using the temporary credit card number at a store; ,
Means for erasing the temporary credit card number along with the erasure of the time deposit account due to the passage of the opening period;
An online shopping system characterized by comprising:

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