JP5043442B2 - ロック付き銀行コンピュータ口座システム - Google Patents
ロック付き銀行コンピュータ口座システム Download PDFInfo
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- JP5043442B2 JP5043442B2 JP2006549830A JP2006549830A JP5043442B2 JP 5043442 B2 JP5043442 B2 JP 5043442B2 JP 2006549830 A JP2006549830 A JP 2006549830A JP 2006549830 A JP2006549830 A JP 2006549830A JP 5043442 B2 JP5043442 B2 JP 5043442B2
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M11/00—Telephonic communication systems specially adapted for combination with other electrical systems
- H04M11/007—Telephonic communication systems specially adapted for combination with other electrical systems with remote control systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/383—Anonymous user system
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
Description
電話と、公衆通信システムと、金融コンピュータ口座システムとを有する、電話を介した安全な支払のためのロック付き銀行コンピュータ口座システムであって、前記金融コンピュータ口座システムは通常そのユーザの口座をロックし、ユーザに対して、同ユーザのみが前記金融コンピュータ口座システムと共有する専用電話番号が割当てられ、且つ、割当てられた前記専用電話番号はシステム内に設定されたユーザの口座のロック解除情報として関連付けられており、ユーザが任意の電話から前記専用電話番号を公衆通信システム経由で前記金融コンピュータ口座システムにダイヤルすることで、前記金融コンピュータ口座システムは、前記ロック解除情報としての専用電話番号に対応する口座をロック解除し、ロック解除から所定時間後に再びロックする。
特定ユーザの口座に関連付けられたロック解除情報を前記金融コンピュータ口座システムにおいて設定可能であり、前記ユーザはユーザが前記ロック解除情報の1つとして前記金融コンピュータ口座システムにて予め登録した指定電話番号を有する電話機からロック解除情報セットを入力することで自分の口座をロック解除でき、金融コンピュータ口座システムは、所定のプログラムによって、指定電話番号を有する電話機から入力されたロック解除情報セットが、格納されているロック解除情報セットと符合するか否かをチェックし、もしも符合する場合には前記ユーザの口座がロック解除され、ロック解除から所定の時間長の後にロックされ、符合しなければユーザ口座番号はロック解除できないことを特徴とする。
いが、外部からの支払いには本発明のロック付きシステムを採用する、といった契約をユーザと銀行との間で一方向的に或いは相互に行っても良い。
第2情報セット:ユーザは、指定電話番号6−1、金融コンピュータ口座システム3によって割当てられた共用電話番号6−2、及び、パスワード6−3をメモリ3−3に格納されるロック解除情報セット8として用いる。
第3情報セット:ユーザは、指定電話番号6−1、金融コンピュータ口座システム3によって割当てられた共用電話番号6−2、パスワード6−3、及び、支出上限情報6−4をメモリ3−3に格納されるロック解除情報セット8として用いる。ここで、支出上限情報6−4はシステムによって設定されたフォーマットを有し、支出上限情報6−4の金額はユーザにて入力され、その実施はCPU3−2によって制御される。以下の実施形態においても、この支出上限情報6−4のフォーマットは同じである。
Claims (5)
- 電話(1)と、公衆通信システム(2)と、金融コンピュータ口座システム(3)とを有する、電話を介した安全な支払のためのロック付き銀行コンピュータ口座システムであって、
前記金融コンピュータ口座システム(3)は通常そのユーザの口座(3−7)をロックし、ユーザに対して、同ユーザのみが前記金融コンピュータ口座システム(3)と共有する専用電話番号(6)が割当てられ、且つ、割当てられた前記専用電話番号(6)はシステム内に設定されたユーザの口座(3−7)のロック解除情報(8)として関連付けられており、
ユーザが任意の電話(1)から前記専用電話番号(6)を公衆通信システム(2)経由で前記金融コンピュータ口座システム(3)にダイヤルすることで、前記金融コンピュータ口座システム(3)は、前記ロック解除情報(8)としての前記専用電話番号(6)に対応する口座(3−7)をロック解除し、ロック解除から所定時間後に再びロックすることを特徴とするロック付き銀行コンピュータ口座システム。 - 電話(1)と、公衆通信システム(2)と、金融コンピュータ口座システム(3)とを有する、電話を介した安全な支払のためのロック付き銀行コンピュータ口座システムであって、
前記金融コンピュータ口座システム(3)は通常そのユーザの口座(3−7)をロックし、且つ、ロック解除情報(8)がシステム内に設定されたユーザの口座(3−7)と関連付けられており、
ユーザが複数の情報でなるロック解除情報セットを公衆通信システム(2)経由で前記金融コンピュータ口座システム(3)に伝送することで、前記金融コンピュータ口座システム(3)は、ユーザの電話(1)から伝送された前記ロック解除情報セットが、格納されているロック解除情報(8)と符合するか否かを所定のプログラムに基づいてチェックし、もしも符合すれば、前記ユーザの口座(3−7)が所定の時間だけロック解除され、符合しなければ、前記ユーザの口座はロック解除されないこと、および
ユーザが以下に列記する複数のロック解除情報セットから任意の一つを選択可能であることを特徴とするロック付き銀行コンピュータ口座システム:
第1情報セット、これは、ユーザが前記ロック解除情報(8)の1つとして前記金融コンピュータ口座システム(3)にて予め登録した指定電話番号(6−1)を有する電話機から、前記金融コンピュータ口座システム(3)から割当てられた一つの共用電話番号(6−2)をダイヤルすることからなり、これら2つの要素がメモリ(3−3)に格納されるロック解除情報セット(8)として用いられる、
第2情報セット、これは、前記指定電話番号(6−1)を有する電話機から、前記共用電話番号(6−2)をダイヤルし、且つ、一つのパスワード(6−3)を入力することを含み、これら三つの要素がメモリ(3−3)に格納されるロック解除情報セット(8)として用いられる、
第3情報セット、これは、前記指定電話番号(6−1)を有する電話機から、前記共用電話番号(6−2)をダイヤルし、一つのパスワード(6−3)を入力し、且つ、一つの支出上限情報(6−4)を入力することを含み、これら四つの要素がメモリ(3−3)に格納されるロック解除情報セット(8)として用いられ、ここで、前記支出上限情報(6−4)のフォーマットはシステムにより設定され、前記支出上限情報(6−4)の金額はユーザにより入力されて前記CPU(3−2)によって制御される。 - 前記金融コンピュータ口座システム(3)は、自動電話装置(3−1)、CPU(3−2)、メモリ(3−3)、ATM(3−4)、及び、クレジットカードリーダ(3−5)と、電話振替ユニット(3−6)と、ユーザの口座(3−7)とのいずれか一つ又は複数を含み、ここで、前記メモリ(3−3)は前記ロック解除情報(8)を格納し、前記CPU(3−2)は他のユニットと接続されて他のユニットを所定のプログラムに沿って制御し、受け取った専用電話番号(6)が格納されているロック解除情報(8)と符合するか否かを所定のプログラムに従ってチェックし、もしも符合すれば前記ユーザの口座(3−7)が所定の時間長さだけロック解除され、符合しなければ前記口座はロック解除できないことを特徴とする請求項1または2に記載のロック付き銀行コンピュータ口座システム。
- 前記電話(1)は、移動電話、固定電話、コンピュータ、或いは、PDAであっても良いことを特徴とする請求項1から3のいずれか一項に記載のロック付き銀行コンピュータ口座システム。
- 前記公衆通信システム(2)は、移動電話システム、固定電話システム、及び、ネットワーク通信システムのいずれか一つ又は複数を含み、前記金融コンピュータ口座システム(3)は、銀行コンピュータシステム(333)、クレジットカードコンピュータシステム(334)、デビットカードコンピュータシステム、及び、金融証券会社コンピュータシステムのいずれか一つ又は複数を含むことを特徴とする請求項1から4のいずれか一項に記載のロック付き銀行コンピュータ口座システム。
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CN2004/000080 WO2005079050A1 (en) | 2004-01-20 | 2004-01-20 | A-computer accounting system with a lock using in a bank and the corresponding method used for secure payment by phone |
Publications (2)
Publication Number | Publication Date |
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JP2007519108A JP2007519108A (ja) | 2007-07-12 |
JP5043442B2 true JP5043442B2 (ja) | 2012-10-10 |
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Application Number | Title | Priority Date | Filing Date |
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JP2006549830A Expired - Fee Related JP5043442B2 (ja) | 2004-01-20 | 2004-01-20 | ロック付き銀行コンピュータ口座システム |
Country Status (5)
Country | Link |
---|---|
US (1) | US7712655B2 (ja) |
EP (1) | EP1708473B1 (ja) |
JP (1) | JP5043442B2 (ja) |
CN (1) | CN1914895B (ja) |
WO (1) | WO2005079050A1 (ja) |
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LAPS | Cancellation because of no payment of annual fees |