JP2666267B2 - Bill card payment system - Google Patents

Description

The present invention relates to a bill card settlement system for issuing bills with bill cards and processing them online. (B) Conventional technology One of the main tasks of a financial institution is managing a checking account, which is a settlement account of a company. The bill settlement performed between the respective financial institutions can be automatically performed using an online system or the like, but the processing is still performed in writing (bills) between the company and the financial institution and between the financial institutions. Was. (C) Problems to be Solved by the Invention Online has already been advanced in many fields of finance, and in that field, accounting staff can operate deposit / withdrawal and slip processing by operating a terminal device. However, since only bills require manual processing, each company has been a bottleneck in automation of accounting and online operations. The present invention has been made in view of such a problem, and stores bill data stored in a bill card at a center, enables bill distribution as before, and enables bill settlement online. It is an object of the present invention to provide a bill payment system. (D) Means for Solving the Problems The present invention relates to a center having a checking account file, a bill processing device connected to the center by a line, and a bill card issued by the bill processing device and comprising a storage medium. A bill card settlement system having the following. The bill processing device includes: at the time of issuance of the bill card, the bill data comprising at least a code for identifying a payer, a code for identifying a receiver, a payment amount, and a due date; Writing means for writing on the bill card, transmitting means for issuing the bill data to the center, transmitting means for reading the bill card received and transmitting the data to the center, A key data file for storing bill data transmitted from the bill processing device at the time of issuing a bill card as key data. Means for retrieving the key data file with the data transmitted at the time of receipt of the bill card and, if there is a matching data, a means for performing a payment schedule processing for the bill; A deposit and withdrawal management file for storing a deposit and withdrawal schedule by bill settlement and a balance schedule by those deposits and withdrawals for each checking account based on the data. (E) Operation The bill payment system of the present invention functions as follows. Issuance of a bill A code for identifying a payer, a code for identifying a recipient, a payment amount, and a due date are written on a bill card by a bill processing device. This data is transmitted to the center and stored in the key data file as key data. Bill acceptance processing The bill card received by the recipient is read by the bill processor of the company or financial institution and transmitted to the center. At the center, the data is compared with the data stored in the key code file, and when they match, the data is regarded as valid and the receiving process is performed. Payment of bills On the due date of the bills, online payments are made between each checking account as usual, and bills are cleared. (F) Embodiment System Configuration FIG. 1 is a block diagram showing the configuration of a bill card settlement system according to an embodiment of the present invention. The financial institution center 1 has a checking account file and the like, and is connected to other financial institution centers via an online network 6. A bill processing device 2 is connected to the center 1 online. This bill processing device 2 is installed at the window of each company and financial institution. The bill processing device 2 installed in the company is connected to a bill authentication device 3 that outputs highly confidential authentication data. The bill card 4 issued by the bill processing device 2 is a magnetic card. The contents of the bill are printed on the front surface, and the bill card number and bill data are confidential on the magnetic recording surface applied on the back surface. Is memorized. here,
The bill card number is a serial number including the created financial institution code, and is stored in advance when the bill card is initially created. The magnetic recording surface including the portion where the bill card number is stored is made of a material having a high coercive force, and data once written cannot be rewritten. This data functions as address data during bill processing. In addition, each company has an off-line bill validator 5,
It can decrypt and display magnetic data of bills issued by the company and bills issued by specific business partners. Here, the card data stored on the magnetic recording surface of the bill card 4 by the bill processing device 2 is confidentialized on the rewritable and rewritable magnetic recording surface with a code different for each company. This confidentialization and its decryption are performed by rearranging (scramble) the bit data by a program possessed by the host computer of each company and financial institution. It is each company and financial institution that has an LSI that can write data with confidentiality. Further, an LSI which can only decode data at the discretion of the company is supplied to a specific business partner of the company, and is incorporated in the bill collator 5. This LSI may be managed by a public third party collectively, and the confidentiality scheme may be determined for each company to provide the LSI. Furthermore, the bill validator 3 of the company further confidentially outputs only the most important data of the bill data, such as the paying company, the amount of payment, the due date, etc., and outputs the data. The data (authentication data) output by this device is equivalent to the representative mark of a conventional bill, and the validity of the handwritten card is guaranteed by matching the authentication data with the description (card data). Is what you do. The LSI used for this bill validator 3 is also provided in the same manner as the above-mentioned LSI. However,
The LSI capable of confidentiality processing is attached only to the company's handprint authenticator 3, and an LSI capable of decryption is attached to the center 1. FIG. 2 is a block diagram schematically showing the center 1. As shown in FIG. Host computer 10 that controls the operation of the entire center
Are connected to the following devices. A network transmission unit 11 for communicating with another center via the online network 6 A terminal device transmission unit 12 for communicating with an online terminal device including the bill processing device 2 An account in which the deposit account file and the like are set File interface 13 for managing files 14 Authentication L that integrates LSIs for decrypting authentication data for each company
An authentication LSI interface 15 for selecting a predetermined authentication LSI from the SI group 16 and connecting to the host computer 10 When the financial institution is authenticated by assuming payment of issued bill data, the bill data for notifying that the financial institution has been authenticated. Is confidential (bank code) by the financial institution and returned to the bill processing device. The bank code LSI 117 for generating the bank code The account file 14 corresponds to the checking account of each company, and the bank account management account which stores the deposit / withdrawal schedule of the checking account, and the bank file issued by the company. A key data file for storing key data of a bill card is set. The card data (scrambled bill data) transmitted from the bill processing device is decrypted by a decryption program included in the host computer 10. FIG. 3 is a block diagram of a control unit of the bill processing device 2. The CPU 20 as a control device has a memory 21 storing programs and the like, a keyboard 22 for an attendant to input bill data,
Display 23 for displaying input contents, etc., for card data that converts input bill data to confidential card data
An LSI 25, a printer 27 for printing the front side of a bill, and an authenticator interface 28 for connecting the bill authenticator 3 are connected. The card data LSI 25 is connected to a transmission control unit 24 for transmitting and receiving card data and the like to and from the center 1 and a reader / writer 26 for storing card data and the like in a bill card. The bill validator 3 is connected to the authenticator interface 28. The bill validator 3 is an authentication LSI 30 and a keyboard 3
And outputs authentication data (key data) input from the keyboard 31 as highly confidential authentication data. The keyboard 31 is operated by a representative or a person authorized by the representative. The authenticator is removed from the bill processor and stored when not in use. FIG. 4 is a diagram showing a list of data magnetically stored on the bill card and data printed on the front surface. In addition,
When this bill card is issued from a financial institution to each company, the bill card number is magnetically recorded in advance. The issue date, issue number (serial number of the bill) and issue company are stored in a general code that is not confidential. This is because these data are not affected by tampering. Also, identification data of the paying company (bank number and account number), payment amount, payment date, and identification data of the receiving company (bank number and account number) are stored as confidential card data. Of these, the bank number, account number, payment amount, and payment date of the paying company are confidentially stored as authentication data by the bill validator 3 and stored. When the bill is authenticated by the financial institution as a reliable payment, the authentication data is converted into a bank code and returned. This data is also stored. In other words, the bill card on which this data is stored is a bill with a reliable credit and a high credit rating. In addition, all bill data is printed on the surface of the bill card that has been certified by the bank. On the other hand, only the issue date, issue number, and issuing company are printed on the surface of the bill card not certified by the bank. This is to prevent bills without credibility from being easily distributed. FIG. 5 is a diagram showing the deposit / withdrawal management file. The payment amount of the drawn bill and the payment amount of the bill to be deposited (the payment processing is performed) are stored for each settlement date, and the transition of the balance of the checking account due to the settlement is calculated. When issuing a new bill, the balance is referred to to determine whether or not authentication is possible. Description of System Operation FIG. 6 is a flowchart showing the operation of the bill payment system. FIG. 4A is a flowchart showing a bill card issuing operation of the bill processing device 2 installed in each company (to which the bill authenticator 3 is connected). First, in step n1 (hereinafter, step ni is simply referred to as ni), the staff operates the keyboard 22 to input bill data, and the data is converted into card data (confidentiality) by the card data LSI 25. Next, the responsible person operates the keyboard 31 of the authenticator 3 to input authentication data. This data is highly confidential by the authentication LSI 30 (n4). These data are transmitted to the center 1 via the transmission control unit 24 (n5). The center 1 sends a reply message with reference to the agreement of these data and the current account balance plan (see FIG. 8B).
When this message is received (n6), it is determined whether or not there is a balance (n7). If it is (n7), the operation proceeds to n8 or less, and if not, the operation proceeds to n11 or less. At n8, all data including the bank code included in the reply message is magnetically stored, and all bill data is printed on the card surface (n9). After this, the bill card is released and the operation is completed. In n11, the card data and the authentication data are stored, and only the issue date and the issuer's food are printed on the front side (n12). Even with this bill card, the specific bill collator 5 can read out and display the magnetic data. Thereafter, the card is released (n13), and the operation is completed. FIG. 2B is a flowchart showing the operation of the center 1. n20 to n23 are standby routines. If a message for issuing a bill is received from the bill processing device, the operation proceeds to the operation of n24 or less according to the judgment of n20. In n24, the received data is selected and decoded by selecting an appropriate LSI, and it is determined whether or not the card data and the authentication data match (n25). When they match, the balance schedule of the deposit / withdrawal management file is confirmed based on the payment date and the payment amount (n25 '), and it is determined whether or not the planned balance on the payment date is equal to or more than the payment amount (n2).
6). If the payment amount is equal to or more than the payment amount, the bank generates a bank code indicating that the bill has been authenticated (n27), returns it to the bill processing device (n28), and stores the bill data in the key code file and the deposit / withdrawal management file. (N29, n30) and returns to the standby routine. If the expected balance is insufficient for the expected payment amount, a message indicating that the balance is insufficient is returned (n32), and this data is stored in the deposit / withdrawal management file (n33), and the process returns to the standby routine. If a message for bill acceptance processing has been received from the bill processing device or the like, the operation proceeds to operation n40 according to the determination of n21. n40 The key data file of the bill issuing company is searched (authorized online) with the authentication data of the bill card, and if there is a match (n41), the data is determined to be valid and the data is decrypted (n42). ), Perform the receiving process and store it in the deposit / withdrawal management file (n43), and then return to the standby routine. If there is a deposit from another company such as bill settlement, proceed to n36 with the judgment of n22, deposit this amount into the checking account, delete the corresponding bill data from the deposit and withdrawal management file (n37) and wait Return to routine. If it is determined at step n23 that the note payable has reached the due date, this amount is withdrawn from the checking account and transferred to the receiving company's account (n38: this operation is performed online), a deposit and withdrawal management file Then, the bill data is deleted (n39) and the process returns to the standby routine. The bill processing device 2 and the bill validator 3 correspond to the bill processing device of the present invention, and the magnetic reader / writers 26 and n
8, n11 corresponds to the writing means of the present invention, n5 corresponds to the issuing transmitting means of the present invention, the operation of the bill processing device corresponding to the n21 corresponds to the receiving transmitting means of the present invention, n4
0 to n43 are the "means for processing bill payment scheduled" of the present invention.
Corresponding to Description of Data Confidentiality and LSI Here, an LSI for data confidentiality and decryption used in the bill processing device 2 and the bill validator 34 and the like and its function will be described. This LSI can be constituted by a one-chip microcomputer or the like. The bill data is composed of 256 bits. Card data stored on the magnetic recording surface of the bill card is generated by scrambling the bill data. There are 256! Types of scramble order, and one type is assigned to each company. The card data LSI and the host computer 10 have a function of rearranging 256-bit data in a predetermined order to secure the data and rearranging the confidential data to normal data. The authentication LSI that converts the payment company, payment amount, and payment date into authentication data has the following functions. That is, since the validity of the bill card is determined based on the authentication data, this data must not be falsified. This makes the data highly confidential. FIG. 7 shows a schematic configuration diagram of the authentication LSI. This LSI
Reference numeral 30 has a microprocessor unit (MPU) 32 and a memory 33 inside, and constitutes a one-chip microcomputer. The memory 33 stores a program for causing the MPU 32 to perform confidentiality and decryption of card data. Communication with other devices is performed via the I / O 35. Further, a receiving unit 34 is formed inside, and can receive a broadcast radio wave and read data included in the radio wave. (1) The same number of random numbers are mixed into significant 256-bit bill data and rearranged randomly. That is, since the bill data is printed on the surface of the bill card, mere randomization of the data will decipher the rearrangement order (randomization constant) by computer simulation. If the randomization constant is decrypted, the data can be forged or falsified. Therefore, the same number (not necessarily the same number) of random numbers is mixed in the significant bill data, and it is impossible to decipher the randomization constant only by simple rearrangement. (2) A plurality of (α) bits at a specific position of the confidential data are determined in advance as random number bits (randomization constant determination bits), and a randomization constant (512-bit rearrangement) is first determined based on random numbers written in these bits. A constant for determining the order (512-α)! Based on this order, significant card data (256 bits) and random numbers (256-α bits) are arranged. At the time of decoding, a plurality of bits at the specific position are read to determine the arrangement order, and only significant card data is read. That is, if only the randomization mixed with the random numbers described in (1) is performed, the rearrangement is performed while collating the card data of a plurality of bill cards, thereby determining the random number bits and decoding the randomization constant. Becomes possible. This is because the positions of the random bits of the plurality of card data and the significant bill data are rearranged in the same order. Therefore, by changing the randomization constant for each bill card (each card data), the position of the random number bit is made indefinite. This made such decoding impossible. Further, the LSI 30 performs the following processing. (3) A function of changing the “position of the randomization constant determination bit” or the “randomization constant selected by the data of the randomization constant determination bit” at a later date. In other words, no matter how confidentiality is performed, this LS
The person who designed or produced I has knowledge of the confidentiality scheme and can read or write any significant card data. Therefore, after the shipment of the LSI, the set value is changed by inputting the change data determined by the person other than the engaged person. By not setting the randomization constant determination bit as an absolute bit position but a relative position from a predetermined bit position, it is possible to eliminate a person who has mastered all of the randomization methods alone. The change data can be input via an online line or by radio waves using the receiving function of the LSI. (G) Effects of the Invention As described above, according to the present invention, processing of a bill conventionally performed based on the contents described on the surface of the bill can be performed based on the stored contents of the storage medium. As a result, the processing of the bill between the company and the financial institution can be performed online, and the fund management and the settlement can be automatically performed. In addition, since the bill settlement can be linked with the payment system that has been automated earlier, the automation of accounting and the online operation can be further promoted.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing the configuration of a bill card settlement system according to an embodiment of the present invention, and FIGS. 2 and 3 are centers and bill processing devices used in the bill card settlement system. FIG. 4 is a diagram showing bill data magnetically stored on a bill card and printed on the front side,
FIG. 5 is a diagram showing the structure of a deposit / withdrawal management file set in the center, FIGS. 6 (A) and (B) are flowcharts showing the operation of the bill processing device and the center, and FIG. FIG. 3 is a diagram showing a configuration of an authentication data generation LSI built in the device. 1 ... Center, 2 ... Bill processing device, 3 ... Bill authentication device, 4 ... Bill card, 5 ... Bill matching device, 14 ... Account file, 25 ... Card data generation LSI, 30 ... Authentication data generation LSI.

Claims (1)

(57) [Claims] A bill card settlement system comprising a center having a checking account file, a bill processing device connected to the center via a line, and a bill card issued by the bill processing device and formed of a storage medium, Writing means for writing bill data comprising at least a code for identifying a payer, a code for identifying a receiver, a payment amount, and a due date at the time of issuance of the bill card to the bill card; And a receiving time transmitting means for reading the received bill card and transmitting the data to the center, wherein the bill processing apparatus has transmitted the bill card to the center when the bill card was issued. A key data file that stores the bill data as key data, and a data file that was sent when the bill card was received. Means for retrieving the key data file and, when there is matching data, performing a payment schedule processing of the bill; and bill settlement for each checking account based on the issued bill data and the data subjected to the payment processing. And a deposit and withdrawal management file for storing a deposit and withdrawal schedule and a balance with the deposit and withdrawal.