JPH07105450A - Transaction guarantee system - Google Patents

Abstract

PURPOSE:To provide a transaction guarantee system capable of executing a reliable transaction even when the transaction is executed by a communication means. CONSTITUTION:When data related to a transaction are inputted from an input part on the side of a transaction requesting person 1, the data are sent to a transaction-requested person 2 through a control part 12, a transmitting/receiving part 11 and a telephone line 5 and sent also to a transaction guarantee mechanism 3. When a transmitting/receiving part 31 receives the data, an identification (ID) number is generated by an ID number generating part 34 and sent to the person 1 and the data and the ID number are synthesized by a synthesizing part 35 and stored in a storage part 36. When each of the persons 1, 2 requests the collation of data, the ID number is sent to the mechanism 3 through each collating part 14 or 24, an extracting part 37 extracts data stored in the storage part 36 and returns the data.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction guarantee system for guaranteeing transaction data exchanged between communication parties by communication means.

[0002]

2. Description of the Related Art Generally, various transactions between corporations and individuals are carried out by delivering documents such as quotations, orders, delivery notes, receipts, invoices, and receipts, which are evidences of transaction facts. Be done. This is to avoid misidentification or negligence of both parties or dispute between parties in important transactions such as buying and selling goods. In this case, the documents will be handed or mailed to the other party. On the other hand, in recent years, due to the development of computer systems and transmission devices,
A means for transmitting the data to the other party via communication means has come to be adopted, and transactions by this means are actually carried out.

[0003]

By the way, in the transaction performed through the above-mentioned documents, a huge amount of documents are generated, which requires a lot of space for storage, and a lot of labor and time for organizing them. There was a problem that required.
Further, in the transaction by documents, there is usually a time lag between the actual transaction and the transfer of documents, which has been a factor causing damage and dispute.

On the other hand, in the transaction via the above-mentioned communication means, since the transaction content can be instantly transmitted to the other party, simultaneity with the actual transaction is not lost, and the transaction data is recorded by a recording means such as a magnetic tape. Since it can be saved, the above problems in document transactions can be solved. However, it is often unclear whether or not the transaction details have been reliably transmitted to the other party, and the data to be exchanged may be changed intentionally or by mistake on the receiving side or the transmitting side. There was a big problem with the reliability of the transaction.

An object of the present invention is to solve the above-mentioned problems in the prior art and to provide a transaction guarantee system capable of conducting a reliable transaction even by a communication means.

[0006]

In order to achieve the above object, the present invention provides transaction data between transaction parties via a transmission circuit, wherein a transaction guarantee institution is provided separately from each transaction party. The transaction guarantee institution receives communication data created by the trading party via a transmission circuit, a storage unit for storing the transaction data received by the communication unit, and the transaction data is received. At this time, a personal identification number creating unit that creates a personal identification number that identifies the transaction data, a storage unit that records and stores the transaction data stored in the storage unit and the personal identification number created by the personal identification number creating unit, and the communication. Extracting means for extracting transaction data corresponding to the personal identification number from the storage unit when the personal identification number from the transaction party is received by the means. That.

[0007]

[Operation] When one of the transaction parties sends the transaction data to the other party, at the same time, the transaction data is also sent to the transaction guarantee institution. The transaction guarantee organization stores the transmitted transaction data in the storage unit, assigns a personal identification number to identify the transaction data, and sends the personal identification number to each transaction party. Further, the transaction data stored in the storage unit is sent to the storage unit together with the assigned personal identification number, and thereafter stored in the storage unit. When checking the transaction data required by the transaction party, the PIN is transmitted to the transaction assurance agency. The transaction assurance organization extracts the transaction data corresponding to the PIN from the storage unit and sends it to the requesting party.

[0008]

The present invention will be described below with reference to the illustrated embodiments. FIG. 1 is a block diagram of a transaction guarantee system according to an embodiment of the present invention. In this figure, 1 is one of the trading parties,
2 is a transaction party, while 3 is a transaction guarantee agency. These are connected by a telephone line 5 via the exchange 4.

The trading party 1 side is provided with a transmitting / receiving section 11, a control section 12, a recording section 13, a collating section 14 and an input section 15. The transmission / reception unit 11 has a conversion means for mutually converting digital data and a voice signal, and an automatic dial means for automatically dialing a required telephone number. The recording unit 13 is composed of a recording medium such as a magnetic tape, and records and stores transaction data. The collating unit 14 is composed of a microcomputer and collates transaction data described later.
The input unit 15 is composed of a keyboard and the like, and is used for inputting transaction data and various commands. The control unit 12 is composed of a microcomputer, performs control for sending and receiving transaction data and other necessary controls, and stores the transaction guarantee institution 3 and the telephone number of the transaction partner in its internal storage unit. Although not shown, the trading party 1 side
It goes without saying that a display section and a printing section are provided together with the above-mentioned sections (hereinafter, the same applies to the trading party 2 side and the transaction guarantee agency 3). The trading party 2 side is provided with a transmitting / receiving section 21, a control section 22, a recording section 23, a collating section 24, and an input section 25, which are respectively the transmitting / receiving section 11, the control section 12, and the recording section on the trading party 1 side. It has the same configuration as the unit 13, the collation unit 14, and the input unit 15.

The transaction guarantee institution 3 includes a transmitting / receiving unit 31, a control unit 32, a storage unit 33, a personal identification number creating unit 34, and a synthesizing unit 3.
5, a storage unit 36 and an extraction unit 37 are provided. The transceiver 31 has the same function as the transceiver 11. The control unit 32 is composed of a microcomputer, performs various controls, and codes of subscribers of companies, organizations, individuals, etc. who are members of the guarantee mechanism constituted by the transaction guarantee institution 3 and telephones corresponding to these codes. The number is stored in the storage unit. The functions of the storage unit 33, the personal identification number creating unit 34, the synthesizing unit 35, the storage unit 36, and the extracting unit 37 will become clear in the description of the operation described later.

The storage unit 36 is required to process a large amount of data at high speed and securely store it. For this reason,
The storage unit 36 has a magnetic disk multiplexed with a high-speed memory, and a storage medium having a predetermined function for transferring and storing the data stored therein, that is, writable only once in the idle time of the process. After that, it is composed of a read-only storage medium such as an optical disk. The data thus stored is stored for a predetermined period, for example, 5 years.

The personal identification number creating section 34, the synthesizing section 35, and the extracting section 37 are composed of a microcomputer, and the storage section 36 is composed of a storage medium such as a magnetic tape or an optical disk.

Next, the operation of this embodiment will be described with reference to the flow charts shown in FIGS. 2 is a flowchart for explaining the operation of the trading party 1, and FIG. 3 is a flowchart for explaining the operation of the transaction guaranteeing institution 3. Here, as an example of the transaction, a transaction in which the trading party 1 sells a certain product to the trading party 2 and the trading party 2 pays the price, and the trading party 1 delivers a receipt to the trading party 2 To illustrate. In this case, the receipt is not passed as a document but is transmitted as data from the trading party 1 to the trading party 2.

First, the transaction party 1 side inputs the receipt data using the input unit 15. In this case, as a receipt, a predetermined receipt format is stored in the storage means in the control unit 12, the format is read at the time of input, and necessary items are input to required items in the format. You can do this. In addition, the formats of other documents are similarly determined and stored. The input data (including format), the control unit 12 together with its own code, the code of the transaction party 2 who is the recipient of the receipt data, and the code indicating the transaction data.
It is stored in the internal storage means (procedure S ₁₀ shown in FIG. 2), and then a command to connect the telephone line to the trading party 2 is input to the input unit 15. This command is transmitted to the transmission / reception unit 11 via the control unit 12, and the transmission / reception unit 11 automatically dials the trading party 2 (step S ₁₁ ). If the telephone line to the trading parties 2 are connected (Step S _12), and transmits the receipt data and the code stored in the control unit 12 the cutting edge (Step S _13), waits for transmission completion (Step S ₁₄ ). On the other hand, the transaction party 2 side receives the received receipt data at the transmission / reception unit 21, and stores the received data in the recording unit 23 under the control of the control unit 22.

After the transmission is completed, the control unit 12 inputs the telephone number of the transaction guaranteeing institution 3 into the transmitting / receiving unit 11, and the transmitting / receiving unit 11 automatically dials the transaction guaranteeing institution 3 (step S ₁₅ ).
When this telephone line is connected (step S ₁₆ ), the control unit 12
Transmits the stored receipt data (transmitted to the trading party 2) (step S ₁₈ ) and waits for the completion of the transmission (step S ₁₈ ). After completing the transmission of the receipt data, the control unit 12 waits for the reception of a personal identification number, which will be described later, transmitted from the transaction assurance organization 3 (step S ₁₉ ). When the personal identification number is received, the personal identification number and the receipt are received. The data and the data are collectively stored in the recording unit 13 (step S ₂₀ ). That is, on the side of the transaction party 1, the receipt data and the personal identification number thereof are stored in the recording unit 13.

Next, the operation of the transaction guarantee agency 3 will be described.
As mentioned previously, the transmitted receipt data and the code from the transaction parties 1, from the they are received by the transceiver unit 31 (Step S ₃₀ shown in FIG. 3), the code controller 32 is sent It is determined that the transaction data has been transmitted (step S ₃₁ ), and the transmitted receipt data is temporarily stored in the storage unit 33 (step S ₃₂ ). It should be noted that the receipt data is usually attached with a symbol or a number on the side of the transaction party 1.

Next, the control unit 32 controls the personal identification number creation unit 34.
Notifying that the transaction data has been input to, and instructing the creation of a personal identification number for the transaction data, the respective telephone numbers corresponding to them are extracted from the transmitted codes of the transaction parties and transmitted. The personal identification number creation unit 35 creates the personal identification number accordingly (step _S33 ), and sends the created personal identification number and each telephone number sent from the control unit 32 to the transmission / reception unit 31, and the transmission / reception unit 31 sends the personal identification number. Is transmitted to the transaction party 1 who is connected to the telephone line (step _S34 ). After the transmission to the transaction party 1 is completed, the personal identification number is transmitted again through the telephone line.

After the transmission of the personal identification number by the transmission / reception unit 31, the control unit 32 transmits the receipt data stored in the storage unit 33 to the synthesis unit 35. When the synthesizing unit 35 receives the receipt data by this transmission, the personal identification number creating unit 34
Asks you to send a PIN for the receipt data from
When the personal identification number is transmitted from the personal identification number creation unit 34, the receipt data and the personal identification number transmitted earlier are combined (step S ₃₅ ) and transmitted to the storage unit 36. The storage unit 36 stores the received receipt data, the symbols and numbers attached to the receipt data, and the personal identification number (step _S36 ).

Further, when it becomes necessary for the trading party 1 to check the receipt data for some reason later, the trading party 1 inputs the personal identification number into the input section 15, the symbol or number attached to the receipt data, and Enter the verification command. These are transmitted to the collation unit 14, which instructs the transmission / reception unit 11 to make a line connection with the transaction guarantee institution 3 and, when the line is connected, transmits the personal identification number via the transmission / reception unit 11 and, as it is, Wait for a reply from the transaction guarantee agency 3.

On the other hand, in the transaction guaranteeing institution 3 which has made the collation request, the transmission / reception section 31 receives this and transmits it to the control section 32. Since the received signal is the personal identification number, the control unit 32 determines that it is a verification request (step S ₃₇ ), and verifies whether the personal identification number matches the symbol or the number attached to the receipt data. (Step S ₃₈ ), and if they match, the personal identification number and the data extraction command are transmitted to the extraction unit 37. The extraction unit 37 accesses the storage unit 36 according to the extraction command, extracts the receipt data based on the transmitted personal identification number (step S ₃₉ ) and transmits it to the transmission / reception unit 31 (step S ₄₀ ).

The transmission / reception unit 31 returns the receipt data from the extraction unit 37 via the connected telephone line, and the transaction party 1
The transmission / reception unit 11 on the side receives this and transmits it to the control unit 12, and the control unit 12 displays the received receipt data on the display unit or prints it on the printing unit. As a result, it is possible to determine whether the receipt recorded in the recording unit 13 is correct. Even when the transaction party 2 collates the receipt data, the collation is performed by the same operation as the above.

As described above, in this embodiment, since the data exchanged between the transaction parties is stored in the transaction assurance institution which is a third party, the transaction content can be guaranteed at a later date and the reliability can be improved. It is possible to carry out quick transactions with a certain nature. Further, since the data stored in the transaction guarantee organization can be collated with the personal identification number, the contents of the transaction can be confirmed.

In the description of the above embodiment, an example in which the personal identification number and the data with the collation are transmitted through the telephone line being connected has been described. However, when it takes time to create the personal identification number and extract the data, After the telephone line is cut off, it can be sent from the transaction guarantee agency side via the telephone line.
Further, although the receipt has been described as an example of the document which is the evidence of the transaction fact, it can be applied to documents such as a quotation, an order form, a delivery note, a receipt, and an invoice. Further, not only a telephone line but also a radio can be used as the transmission circuit.

[0024]

As described above, according to the present invention, the data exchanged between the transaction parties is stored in the transaction assurance institution which is a third party, so that the transaction content can be guaranteed at a later date. Yes, you can make reliable and quick transactions. Further, since the data stored in the transaction guarantee organization can be collated with the personal identification number, the contents of the transaction can be confirmed.

[Brief description of drawings]

FIG. 1 is a block diagram of a transaction guarantee system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating an operation of a trading party shown in FIG.

FIG. 3 is a flowchart illustrating an operation of the transaction guarantee agency shown in FIG.

[Explanation of symbols]

 1, 2 Transaction parties 3 Transaction guarantee agency 11, 21, 31 Transmitter / receiver 12, 22, 32 Control unit 13, 23 Recorder 14, 24 Matching unit 15, 25 Input unit 33 Storage unit 34 Personal identification number generating unit 35 Compositing unit 36 Storage section 37 Extraction section

Claims (1)

[Claims] 1. In a transaction data exchange between transaction parties via a transmission circuit, a transaction assurance institution is provided separately from each transaction party, and transaction data created by the transaction party is provided in this transaction assurance institution. Communication means for receiving via the transmission circuit, a storage section for storing the transaction data received by the communication means, and a personal identification number creating means for producing a personal identification number for identifying the transaction data when the transaction data is received A storage unit for recording and storing the transaction data stored in the storage unit and the personal identification number created by the personal identification number creating unit; and the personal identification number when the personal identification number is received from the trading party by the communication unit. A transaction guarantee system comprising: an extraction unit that extracts transaction data corresponding to a number from the storage unit.