JP4911740B2 - Electronic bill computer system and method of implementing electronic bill using computer - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The present invention allows a bill that is traded between corporations (corporations), corporations and individuals, and between individuals for the purpose of paying a certain amount of money, to be issued safely, and without concern, online via a computer network for receipt and settlement. Electronic bills that can be receivedComputersystemAnd method for implementing electronic bill using computerAbout.
[0002]
[Prior art]
In recent years, bills have been widely used in business transactions between legal persons, corporations and individuals, and between individuals. Checks are also used for small transactions, but checks are not substantially different from cash transactions, but the scope of use is limited, and bills can be traded by credit even without current cash. It is an indispensable thing.
[0003]
Bills are securities whose purpose is to pay a certain amount of money. There are bills of exchange and promised bills. A bill of exchange is a security that entrusts the payer to pay a certain amount to the payee or other legal holder of the note, while the promissory note is a note that the payer pays to the payee or other valid A security that promises to pay a certain amount to the holder.
[0004]
The promissory note is issued by issuing the note to the recipient. In order to create a promissory note, it is necessary for the drawer to list the legal matters on the security and to sign it.
[0005]
Promising bills can be settled through the bank for commercial transactions, and when the bills mature, the bills can be turned into cash. Bills are also used as a means of deferring payment by credit, so you can receive bill loans, bill discounts, etc., and can also be used to raise funds.
[0006]
With promissory notes, there is no problem as long as the bill can be settled as usual, but there may be cases where there is no deposit balance in the designated bank account even if the bill expires, and so-called bankruptcy may occur. Such bankruptcy can only be done when there is a real lack of money, but there may be a deposit balance in another account, and the debtor to the bill maker will deposit into another account of the bill maker. In some cases, the bill maker mistakes that his account has a deposit balance. Even in such a case, it becomes undeliverable, and once the unintention is made, there is a risk that in commercial transactions including banking transactions, the credit will be lowered, the stock price will be affected, and there will be an irreversible situation.
[0007]
In order to prevent such a situation, the present inventor has tried an electronic bill system that enables online and safe bill transactions.
[0008]
However, the circulation of bills is complicated, and the issue is how to ensure credit between the bill's originator and recipient, or between those and the bank. There is also a peculiarity that the payee fluctuates in bill transactions. Furthermore, the amount of bills traded can be quite high, so ensuring the safety of transactions is an important issue.
[0009]
However, although Japanese Patent Publication No. 7-11723 has proposed an electronic currency system, this proposal does not have a specific disclosure about bill transactions, and therefore requires independent development.
[0010]
[Problems to be solved by the invention]
  Therefore, the present inventionSectionThe theme is that it is possible to make online safe and fast in bill transactions, specifically between a bank and a bill-drawing person or between a drawing person and a payee.Including the guarantorElectronic bills that can be safely and quickly brought onlineComputersystemAnd method for implementing electronic bill using computerIs to provide.
[0013]
[Means for Solving the Problems]
  The invention according to claim 1, which solves the above problem, is an electronic bill originator computer operated by an electronic bill drawer, a bank computer operated by a bank, and an electronic bill recipient operated by an electronic bill recipient. Are connected via a network so that data can be transmitted and received, and the electronic bill originator computer generates the electronic bill by sending it to the electronic bill recipient computer, and the electronic bill The recipient computer is an electronic bill computer system that receives the money by sending the electronic bill data to the bank computer, and the electronic bill originator computer accepts an input operation of the electronic bill originator ByBefore the input operationTo a specific bankBased on more discount rateMeans for creating electronic bill data for which a discount rate is determined in advance; and means for transmitting the electronic bill data for which the discount rate has been determined to the bank computer, wherein the bank computer is the electronic bill source computer Means for giving an electronic signature to the electronic bill data for which the discount rate has been determined transmitted from the device, and means for sending back the electronic bill data with the electronic signature for which the discount rate has been determined to the electronic bill issuing source computer Means for verifying the electronic signature in the electronic bill data with the electronic signature with the discount rate determined presented from the electronic bill recipient computer, and means for depositing the account of the electronic bill recipient The electronic bill source computer determines the discount rate sent back from the bank computer. The electronic bill data with the electronic signature is generated by transmitting the electronic bill data with the electronic signature to the electronic bill recipient computer, and the bank computer has the electronic bill data with the electronic signature with the discount rate determined from the electronic bill recipient computer. The electronic bill computer system is characterized in that, upon receipt of the electronic bill, the electronic signature in the electronic bill data with the electronic signature whose discount rate is determined is collated, and then the electronic bill receiver's account is credited. It is.
[0014]
  The invention described in claim 2When the bank computer makes a settlement, the amount of the electronic bill data with the electronic signature with the discount rate determined from the electronic bill recipient computer is the balance of the account designated by the electronic bill maker Means for determining whether or not the amount is larger than that, and if the result of the determination is large, the shortage is withdrawn from another account in the same bank previously notified by the electronic bill maker, or an account of another bank And means for replenishing and replenishingElectronic bill of claim 1ComputerSystem.
[0015]
  The invention described in claim 3 comprises an electronic bill originator computer operated by an electronic bill drawer, a bank computer operated by a bank, and an electronic bill recipient computer operated by an electronic bill recipient, These are connected via a network so that data can be transmitted and received, and the electronic bill source computer sends out the generated electronic bill data to the electronic bill receiver computer, and the electronic bill receiver computer A method of implementing an electronic bill using a computer that presents the money by sending the electronic bill data to the bank computer, and accepts an input operation of the electronic bill maker by the electronic bill originator computer ByBefore the input operationBy a specific bankBased on the prescribed discount rateCreating electronic bill data with a discount rate determined in advance; sending electronic bill data with the discount rate determined to the bank computer by the electronic bill originator computer; and A step of assigning an electronic signature to the electronic bill data for which the discount rate has been determined transmitted from the electronic bill source computer; and electronic bill data with an electronic signature for which the discount rate has been determined by the bank computer. Sending back to the electronic bill source computer, and sending electronic bill data with an electronic signature with the discount rate determined from the bank computer sent back to the electronic bill recipient computer by the electronic bill source computer By the bank computer and the bank computer Collating the electronic signature in the electronic bill data with the electronic signature with the discount rate determined received from the electronic bill recipient computer, and after verifying the electronic signature by the bank computer, the electronic bill A method for implementing an electronic bill using a computer, comprising the step of depositing money into a payee's account.
[0016]
  The invention according to claim 4When the electronic bill data with the electronic signature with the discount rate determined by the bank computer is settled, the electronic signature with the electronic signature with the discount rate determined from the electronic bill recipient computer is determined by the bank computer. A step of determining whether or not the amount of money based on the electronic bill data is larger than an account balance designated by the electronic bill maker, and if the result of the determination is large, the electronic bill maker reports the shortage in advance. 4. A method for implementing an electronic bill using a computer according to claim 3, further comprising the step of debiting from another account in the same bank or remittance from another bank account.It is.
[0047]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below.
Delivery of electronic bills from bill issuers to bill recipients
In the embodiment of the present invention, as shown in FIG. 1, an electronic bill 4 is delivered from a bill maker computer 1 to a bill recipient computer 2, and uses electronic bill delivery programs A and B. In executing this program, the issuer's computer 1 has a delivery program A, and the recipient's computer 4 has a delivery program B, which shares the delivery program.
[0048]
The computer used in the present invention includes an arithmetic device, a control device, a storage device (memory), an input device (keyboard, mouse, etc.), and an output device (printer, etc.). It is also preferable that the output device has a card issuing device that issues the issued electronic bill in a card form.
[0049]
The electronic bill drawn from the bill maker is stored in the storage device of the bill recipient, but the storage format is not particularly limited. It is also preferable to create a bill file in the storage device and store it in a format that can control the freedom of retrieval. The stored electronic bill can also be used as an electronic card in the card issuing device.
[0050]
In this aspect, from the viewpoint of ensuring the safety of issuing a bill, it is necessary to confirm the personal identification number and the self-recognition signature of both the bill issuer and the bill recipient, and this confirmation is incorporated in the program. Although it can be confirmed independently by a separate communication program, it is incorporated in the electronic bill issuing program in consideration of promptly confirming both PIN numbers and self-recognized signatures and registering them with each other. Is preferred.
[0051]
Here, the self-recognition signature of the issuer and the recipient is an electronic signature registered in advance between the recipient and the issuer, and includes the fingerprint, vocal cord information, face information, DNA information, An electronic signature obtained by digitizing any one of the seals is preferable.
[0052]
For example, an electronic signature using a fingerprint is a method in which a fingerprint pressing unit is provided as a detection unit 102 in a part of the monitor 101 of the computer 1 shown in FIG. 2, and when the fingertip is pressed against it, the fingerprint is read and converted into electronic information. Is mentioned. Note that a fingerprint reader can be provided separately and connected to a computer to input information. Alternatively, a fingerprint pressed on paper or the like may be read by an image scanner and digitized.
[0053]
The vocal cord information is digitized using a recording device attached to the computer.
[0054]
The face information can be digitized using the detection unit 102 in the same manner as the fingerprint.
[0055]
DNA information can be used as electronic information by entering separately measured information.
[0056]
The seal stamp uses a seal stamp registered as a seal stamp as a seal stamp.
[0057]
In the case of a corporation, a representative may be determined in advance for the above-described fingerprint, and the fingerprint of the representative may be used.
[0058]
As shown in FIG. 3, the electronic bill delivery programs A and B start with the selection of a bill issuer or a bill recipient. When either one is selected, the issuer A starts executing the grant program A, or the issuer B starts executing the issue program B.
[0059]
The bill maker proceeds according to the execution of the program A and proceeds according to the flow shown in FIG. 3, inputs a personal identification number and a self-recognition signature, and transmits them to the bill recipient. On the other hand, the bill recipient also proceeds according to the execution of the program B and proceeds according to the flow shown in FIG. 3, inputs a personal identification number and a self-recognition signature, and transmits it to the bill maker. When the mutual transmission / reception is completed, confirmation and registration are performed.
[0060]
Next, the bill maker performs monitor input of the electronic bill delivery contents. FIG. 2 shows an example of the monitor screen. A column 103 for displaying a promissory note, a column 104 for promised payment, a column 105 for inputting a bill amount, a signature column 106 for a payer, a payee The name or name field 107, the field 108 for entering the date of withdrawal, the field 109 for entering the address or place of payment and the place for payment, and the field 110 for entering the due date are entered.
[0061]
Further, a column 111 for selecting any one of fixed date payment, regular payment after date, list payment, and periodic payment after list is input to the monitor.
[0062]
The column 103 indicating that it is a promissory note may be present at any position on the monitor, and the maker checks this column with a mouse and displays that fact. Similarly, the payment promised column 104 is a column for displaying a phrase to promise payment, and the maker checks this column with a mouse and displays that fact.
[0063]
The column 105 for entering the bill amount is a column for the maker to input the amount, and preferably has a selection field for yen or foreign currency, and the writer enters the amount after checking this field with a mouse. To do. It is preferable to provide a field on the monitor that can be input with a pen, together with a number input field. The pen input character is either a Chinese character or a number, and it is preferable that the character is registered as a handwriting. If the entered amount is changed, it is preferable to prepare software that invalidates the electronic bill. When the amount is changed, the electronic bill delivery invalidation software is operated and the amount is rewritten by another person, for example. However, if it is different from the registered handwriting, it is preferable that the electronic bill is made double safe by invalidating the electronic bill. When different numbers are written in the numeric input field and the pen writing input field, an invalid display may be issued to correct the numerical input field with the pen writing input field set to positive, or automatic correction may be performed.
[0064]
Enter your own personal identification number in the signer's signature column 106, digitize your self-recognized signature, use it as an electronic signature, register these signatures, display that they have been registered, and use them to check the originator It is preferable to do. This is because identity verification can be performed reliably.
[0065]
The recipient's name or name column 107 is provided with a column for selecting one of the name, name, and abbreviation. It is also preferable to provide a single column or a plurality of columns. In this case as well, the mouse is checked and input is made in each column.
[0066]
It is preferable that a field 108 for inputting the date of withdrawal, a field 109 for inputting the address or place of payment and the place for payment, and a field 110 for entering the due date can be entered or selected.
[0067]
The column 111 for selecting either fixed date payment, regular payment after date, list payment, or regular payment after list is selected by the maker with a mouse check. A column of “month month day” is prepared in the column of fixed date payment. In the column for periodic payment after the date, there will be columns of ○ months from the date of withdrawal and ○ months and a half from the date of withdrawal. In the list payment column, there are prepared columns for paying on the day of bill presentation and payment at any time. In this case, it is advisable to provide an interest phrase presence / absence column and an interest rate column. In the column for periodic payment after listing, prepare a column for ○ monthly payment after listing and ○ day payment after listing. In this case, it is advisable to provide an interest phrase presence / absence column and an interest rate column.
[0068]
In the electronic bill delivery program, a column 112 for presence / absence of an endorsement prohibition is provided.
[0069]
It is also preferable that the electronic bill delivery program is configured so that a check column 113 can be displayed on the monitor whether the drawer agrees with the obligation to pay attention to the bill draft or disagrees. This is to ensure the safety and certainty of the withdrawal by considering the duty of attention again. When a mouse check is made in the field that agrees to the obligation of caution to issue bills, the electronic bill receipt will be digitized and sent to the maker, and if a mouse check is made in the disagreement box, no withdrawal will be performed. Become.
[0070]
Promising bills need to have income stamps attached. However, in the system of the present invention, when a current account is opened in a bank, a stamp advance payment ledger can be created and the account can be debited. As for the stamp, in principle, the amount attached by the writer, when the endorser or guarantor signs first, and when the writer signs later, the endorser or guarantor who issued the bill on white has an obligation to affix the stamp. If a white bill is issued, the person who has replenished the amount must stick a stamp at the time of replenishment. May be.
[0071]
The above is the contents of the electronic bill delivery program. When these contents are input, the system is checked, and if it is provided, the bill draft is executed and transmitted.
[0072]
After receiving, the recipient returns a confirmation signal, and the delivery ends.
[0073]
Draw electronic bills
The present invention is an embodiment of the electronic bill withdrawal. As shown in FIG. 4, when the electronic bill is issued from the computer 1 of the bill drawer to the bank computer 3, both the drawer and the bank are requested. Computers 1 and 3 share electronic billing programs C and D.
[0074]
As shown in FIG. 5, the withdrawal programs C and D first select either the originator or the bank, and when the originator is selected, the withdrawal program C is executed. When a bank is selected, the withdrawal program D is executed.
[0075]
The withdrawal person inputs and transmits the personal identification number and self-identification signature, and the bank receives, confirms and registers.
[0076]
In order to issue an electronic bill, the bill drawer needs a checking account at the bank, and at that time, it is necessary to conclude a current account transaction contract with the bank. Therefore, the electronic bill transfer program includes a program that displays a survey form on the drawer's monitor for the bank to perform a credit check necessary for the promissory note, and signals it as electronic information. The program to send, if the result of the bank's credit judgment based on the sent questionnaire is good, the program to send the result to the maker, and the bank's password to identify the writer It has a program for registering numbers and self-recognition signatures. According to this program, the swing is performed as shown in FIG.
[0077]
As described above, the self-recognition signature is preferably an electronic signature obtained by digitizing any one of fingerprint, vocal cord information, face information, DNA information, and seal imprint for safe and reliable extraction.
[0078]
Funding form
FIG. 6 shows a mode in which funds are procured from a bank computer 3 that has received an electronic bill 4 from a bill maker computer 1 by means of bill lending or bill discount. What is important in this aspect is that a discount rate is written in the electronic bill 4 in advance. This makes it possible to procure funds quickly using electronic bills.
The discount rate is associated with at least creditworthiness of the electronic bill maker and electronic data of a history of transactions made in the past, or the discount rate is associated with electronic data of the electronic bill maker ID. It is also preferable.
[0079]
The bank preferably receives the recipient's electronic signature in addition to the electronic signature of the maker when providing funds to the bill maker. It is more preferable that the electronic signature is a personal identification number and a personal identification number of the maker and recipient registered in advance in the bank, and the self-identification signature is one of fingerprint, vocal cord information, face information, DNA information, and seal imprint. An electronic signature is preferable.
[0080]
Settlement of electronic bills between bill payee and bank
In the electronic bill settlement, when the electronic bill settlement is executed between the bill recipient computer and the bank computer, as shown in FIG. 7, the bill recipient computer 2 and the bank computer 3 make the electronic bill settlement. It is important to share the payment programs E and F.
[0081]
After confirming the bill recipient's PIN and self-recognized signature, the bank executes the program to settle the bill.
[0082]
As shown in FIG. 8, when the electronic bill settlement program has an electronic bill settlement at the bank, does the electronic bill settlement account have a balance corresponding to the amount required for settlement in the account designated by the assignor on the settlement date of the electronic bill? It is preferable to provide a balance confirmation means for confirming whether or not to carry out a safe electronic bill transaction.
[0083]
If the result of the confirmation by the balance confirmation means is NO, provision of the accommodation means can prevent non-delivery.
[0084]
The accommodation means includes accommodation means that can be accommodated from other accounts (see FIG. 9) or other bank accounts (see FIG. 10) in the same bank that have been delivered in advance by the transferor. Alternatively, money may be transferred from another account to the designated account.
[0085]
It is also preferable that the electronic bill settlement program includes an approval program from the drawing person for accommodation via the accommodation means. This approval program is intended to establish a system that allows free exchange between banks when one bank has a shortage of balance when it is available from another bank. This approval program is important for online issuance of regular written powers of attorney.
[0086]
As a specific settlement program, as shown in FIG. 11, first, the computer 1 from which the electronic bill is drawn out uses an unspecified random number based on a discount rate determined in advance by a specific bank. At the same time, the electronic bill is encrypted using a random factor and sent to the bank.
[0087]
The computer 3 of the bank to which the electronic bill was sent withdraws the requested amount from the account of the maker based on the electronic bill, and makes an electronic signature on the encrypted electronic bill with a private key. Send back to the original computer 1.
[0088]
The source computer 1 decrypts the sent electronic bill and sends it out.
[0089]
The electronic bill receiving computer 2 confirms the authenticity of the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.
[0090]
The bank computer 3 presented with the electronic bill verifies the electronic signature of the electronic bill, and then pays the amount corresponding to the electronic bill into the payee's account for settlement.
[0091]
It is more preferable that the electronic signature is a code number and a self-recognition signature of the maker and the recipient registered in advance in the bank.
[0092]
The bank preferably has a means for accommodating the shortage when the amount of the electronic bill presented is larger than the balance of the account designated by the bank.
[0093]
It is preferable that the accommodation means is a loan from a bank, or a replenishment by withdrawal from another account that has been delegated in advance by a transferor to a specific bank.
[0094]
  As another specific example, as shown in FIG. 12, first, the computer 1 from which the electronic bill is issued isSimilar to the discount rate determined by a specific bank for regular paper billsAn electronic bill is created using an unspecified random number based on a discount rate determined in advance by a specific bank, and the electronic bill is encrypted using a random factor and sent to the computer 3 of the bank.
[0095]
The computer 3 of the bank to which the electronic bill is sent confirms the credit of the maker based on the electronic data of the electronic bill and then issues an electronic signature to the encrypted electronic bill with a private key. Send back to the original computer 1.
[0096]
The source computer 1 decrypts the sent electronic bill and sends it out.
[0097]
The electronic bill receiving computer 2 confirms the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.
[0098]
The computer 3 of the bank presented with the electronic bill verifies the electronic signature of the electronic bill, and then pays the amount corresponding to the electronic bill from the account designated by the drawer to the recipient's account and performs settlement. .
[0099]
  If the amount of the electronic bill presented is greater than the balance of the account designated by the maker, the bank computer 3MeltIt is preferable to have a means for accommodating. It is preferable that the accommodation means is to provide a loan from a bank, and to replenish by a withdrawal from another account that has been delegated in advance by a transferor to a specific bank.
[0100]
As another specific example, as shown in FIG. 13, first, the computer 1 from which the electronic bill originates creates an electronic bill using an unspecified random number based on a discount rate determined in advance by a specific bank. At the same time, the electronic bill is encrypted using a random factor and sent to the bank computer 3.
[0101]
The bank computer 3 to which the electronic bill is sent confirms the credit of the maker based on the electronic data of the electronic bill, and then uses the private key to electronically sign the encrypted electronic bill and issue Sent back to the computer 1.
[0102]
The issuing computer 1 decrypts the sent electronic bill and sends it out.
[0103]
The electronic bill receiving computer 2 confirms the authenticity of the electronic signature of the electronic bill and sends it to the bank computer 3 for presentation.
[0104]
The bank computer 3 presented with the electronic bill verifies the electronic signature of the electronic bill, and then withdraws the amount corresponding to the electronic bill from the account designated by the drawer and deposits it into the payee's account. I do.
[0105]
When the amount of the electronic bill presented is larger than the balance of the account designated by the banker, the bank computer 3 preferably has an accommodation means for accommodating the shortage, and the accommodation means is provided by the bank. It is preferable that the loan is made, and that the replenishment is made by debiting from another account that has been delegated in advance to the specific bank.
[0106]
Transfer of electronic bills
FIG. 14 shows an aspect in which an electronic bill is transferred from one bill recipient to another bill recipient, and a second bill recipient computer that receives the electronic bill from the first bill recipient computer, or When transferring electronic bills to the third bill recipient's computer, both the bill recipient and the second bill recipient's computer share the electronic bill transfer program with each other's personal identification number and self-identification signature. After checking, execute the program.
[0107]
It is preferable that the program at the time of transfer transmission includes contents for determining whether or not to delete the name of the recipient on the transfer side.
[0108]
In the transfer of white background bills, it is preferable to provide a column for selecting whether or not to select a white background bill in the transfer program. White background bills are unfinished bills issued without any or all of the bill requirements being signed by the signer at a later date.
[0109]
Even in the case of electronic bills with a guarantor, safe and quick bill transactions can be realized using the above program.
[0110]
Also for bills of exchange, the above-mentioned programs for delivery and withdrawal can be used by transforming them into bills of exchange.
[0111]
【The invention's effect】
  As described above, according to the present invention, it is possible to realize safe and quick online in bill transactions, specifically, between a bank and a bill-drawing person, or between a drawing person and a payee.Including the guarantorElectronic bills that can be safely and quickly brought onlineComputersystemAnd method for implementing electronic bill using computerCan providewear.
[Brief description of the drawings]
FIG. 1 is a diagram showing a manner of issuing an electronic bill
FIG. 2 is a view showing a monitor display example when an electronic bill is issued
FIG. 3 is a diagram showing an example of an electronic bill delivery program
FIG. 4 is a diagram showing how electronic bills are drawn out.
FIG. 5 is a diagram showing an example of an electronic billing program
FIG. 6 is a diagram showing an example of financing using an electronic bill
FIG. 7 is a diagram showing an aspect of electronic bill settlement
FIG. 8 is a diagram showing an example of electronic bill settlement
FIG. 9 is a diagram showing an example of electronic bill settlement
FIG. 10 is a diagram showing an example of electronic bill settlement
FIG. 11 is a diagram showing an example of electronic bill settlement
FIG. 12 is a diagram showing an example of electronic bill settlement
FIG. 13 is a diagram showing an example of electronic bill settlement
FIG. 14 is a diagram showing an example of electronic bill transfer
[Explanation of symbols]
1: Electronic bill maker (former) computer
2: Computer of electronic bill recipient (destination)
3: Bank computer
4: Electronic bill

Claims (4)

An electronic bill issuer computer operated by an electronic bill maker, a bank computer operated by a bank, and an electronic bill recipient computer operated by an electronic bill recipient, and these are networked so that data can be transmitted and received. The electronic bill originator computer sends out the generated electronic bill data to the electronic bill receiver computer, and the electronic bill receiver computer sends the electronic bill data to the bank computer. An electronic bill computer system that presents and receives money by sending,
The electronic bill issuing source computer generates electronic bill data whose discount rate is determined in advance based on a discount rate determined by a specific bank before the input operation by accepting the input operation of the electronic bill maker And means for transmitting the electronic bill data for which the discount rate has been determined to the bank computer,
The bank computer includes means for giving an electronic signature to the electronic bill data for which the discount rate has been determined transmitted from the electronic bill source computer, and electronic bill data with an electronic signature for which the discount rate has been determined. Means for sending back to the electronic bill originator computer, means for checking the electronic signature in the electronic bill data with the electronic signature determined by the discount rate presented from the electronic bill recipient computer, and the electronic bill receipt A means of depositing money into a person ’s account,
The electronic bill drafting source computer accepts an input operation of the electronic bill maker and creates electronic bill data with a discount rate determined in advance based on a discount rate determined by a specific bank before the input operation. And
Next, the electronic bill data is transmitted from the electronic bill source computer to the bank computer with the discount rate determined,
Next, the bank computer gives an electronic signature to the electronic bill data determined by the discount rate transmitted from the electronic bill source computer,
Then, the bank computer sends back the electronic bill data with the electronic signature with the discount rate determined to the electronic bill originator computer,
The electronic bill issuer computer sends out the electronic bill data with an electronic signature with the discount rate determined sent back from the bank computer to the electronic bill recipient computer,
The bank computer, when receiving electronic bill data with an electronic signature with the discount rate determined from the electronic bill recipient computer, the electronic bill data with the electronic signature with the discount rate determined An electronic bill computer system characterized by depositing the account of the electronic bill recipient after verifying the signature.   When the bank computer makes a settlement, the amount of the electronic bill data with the electronic signature with the discount rate determined from the electronic bill recipient computer is the balance of the account designated by the electronic bill maker Means for determining whether or not the amount is larger than that, and if the result of the determination is large, the shortage is withdrawn from another account in the same bank previously notified by the electronic bill maker, or an account of another bank 2. An electronic bill computer system according to claim 1, further comprising means for replenishing and replenishing money. An electronic bill issuer computer operated by an electronic bill maker, a bank computer operated by a bank, and an electronic bill recipient computer operated by an electronic bill recipient, and these are networked so that data can be transmitted and received. The electronic bill originator computer sends out the generated electronic bill data to the electronic bill receiver computer, and the electronic bill receiver computer sends the electronic bill data to the bank computer. A method of implementing an electronic bill using a computer that presents by sending and receives an amount of money,
The electronic bill drafting source computer accepts an input operation of the electronic bill maker and creates electronic bill data with a discount rate determined in advance based on a discount rate determined by a specific bank before the input operation. And a process of
Sending the electronic bill data for which the discount rate has been determined by the electronic bill originator computer to the bank computer;
Providing an electronic signature to the electronic bill data for which the discount rate transmitted from the electronic bill originator computer is determined by the bank computer;
Sending back electronic bill data with an electronic signature whose discount rate is determined by the bank computer to the electronic bill originator computer;
The electronic bill origination computer sends out the electronic bill data with the electronic signature with the discount rate determined sent back from the bank computer to the electronic bill recipient computer, and
Collating the electronic signature in electronic bill data with an electronic signature having the discount rate determined by the bank computer received from the electronic bill recipient computer;
And a method of depositing the account of the electronic bill recipient after the electronic signature is verified by the bank computer.   When the electronic bill data with the electronic signature with the discount rate determined by the bank computer is settled, the electronic signature with the electronic signature with the discount rate determined from the electronic bill recipient computer is determined by the bank computer. A step of determining whether or not the amount of money based on the electronic bill data is larger than an account balance designated by the electronic bill maker, and if the result of the determination is large, the electronic bill maker reports the shortage in advance. 4. The method for implementing an electronic bill using a computer according to claim 3, further comprising the step of replenishing by debiting from another account in the same bank or remittance from another bank account.

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