JPH09325990A - Time limited deposit account, on-line account settlement system utilizing the same and on-line shopping system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve safety by opening a deposit account while transferring an amount within the remainder of an existent deposit account, extinguishing that opened account after the lapse of a prescribed opening period and transferring the deposit remained at the extinguishment into the existent deposit account. SOLUTION: The contents of transactions such as deposit payment, reception, transfer and time limited deposit account opening are displayed on the operating screen of an ATM 4, the amount to be transferred from the deposit account already opened in this bank by a deposit person to the time limited deposit account is inquired on that display, and the deposit person inputs the desired amount. Then, a host computer 2 investigates whether transfer is enabled or not by retrieving a deposit account master 3a and when it is possible, the time limited deposit account is opened by transferring that amount within the remainder of the deposit from the deposit account to the time limited deposit account. After the lapse of its opening period, the time limited deposit account is extinguished and the deposit remained at the time of extinguishment is transferred to the existent deposit account. Thus, even when a password number is stolen, damage can be reduced.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank deposit account with improved security, an online settlement system and an online shopping system using the deposit account.

[0002]

2. Description of the Related Art An online shopping system using personal computer communication has an advantage that a user can shop while staying at home, and a store side has an advantage.
It has the advantage of being able to supply users with a large amount of the latest product or service information and selling products and services to distant users. With the development of computers and communication lines, recently, It is becoming more and more popular. Furthermore, recently, the online shopping system has moved to the Internet world, and personal computer owners have been able to obtain information on visual goods or services of stores around the world through a homepage. As a result, the number of users of the online shopping system has exploded, and the online shopping system has attracted great expectations and attention as a new form of business. In the online shopping system, the payment of the purchase price is often performed online using a bank account or a credit card in terms of ease of procedures.

For example, in an online shopping system in which payment of purchase price is settled by a bank deposit account, the host system of the store supplies the computer system of the user with order information for the user to place an order online. Then, the user writes the payment information such as the bank name, the deposit account number, and the personal identification number, and sends it to the store. Then, the host system of the store inquires of the bank host system through the communication line whether the payment for the purchase of the goods or services can be settled by the deposit account, and if the inquiry result is acceptable, the order is placed. To receive an order. When the order is received, the store provides the user with a product or service, and the purchase price is withdrawn from the deposit account on the settlement date.

[0004]

As described above, when a bank's personal identification number, deposit account number, card number, etc. are exchanged online, the personal identification number and card number are stolen by a hacker, etc. Stolen my deposit,
There is a risk that products and services will be ordered without permission. Therefore, although measures have been taken in which stores supply software that encrypts information to users online and the user encrypts personal identification numbers, deposit account numbers, card numbers, etc. before transmission, Can be deciphered,
It cannot always be said that it is an effective measure.

The problem of the bank secret code being stolen exists not only in the online shopping system but also in other electronic commercial transactions in which payment is settled by a bank deposit account.

[0006] The present invention has been made in view of the above-mentioned circumstances, and an object thereof is to provide a bank account with improved security, an online payment system and an online shopping system using the same. To do.

[0007]

In order to achieve the above object, the invention according to claim 1 is a bank deposit account, and is established by transferring the amount in the deposit balance of an existing deposit account. A time-deposit account wherein the deposit disappears at the end of a predetermined opening period and the deposit remaining at the time of disappearance is transferred to the existing deposit account.

The invention described in claim 2 is the same as claim 1.
In the time deposit account described in (3), it is possible to open only a predetermined day and / or time.

According to the third aspect of the invention, an inquiry is made online as to whether or not a predetermined amount of money can be deducted from a bank deposit account, and when the result of the inquiry is acceptable, the deposit account is deducted. In the online payment system in which a predetermined amount of money is deducted from the above, the deposit account is the time deposit account according to claim 1 or 2.

Further, the invention according to claim 4 connects the computer system of the user and the host system of the store via a communication line, and the user receives the product information or service transmitted from the host system of the store. Select the desired product or service from the information, order information for that product or service, and settle the purchase price for that product or service.
The information is sent to the host system of the store together with the payment information such as the personal identification number, and the host system of the store checks whether the payment of the purchase price can be settled by the bank deposit account of the bank of the bank deposit account via a communication line. In an online shopping system in which an inquiry is made to a host system and an order is accepted when the inquiry result is acceptable, the bank deposit account is used as a time deposit account according to claim 1 or 2, and the purchase price is It is characterized in that the host system of the store receives the order only when the settlement date of the payment is within the opening period of the time deposit account.

According to a fifth aspect of the present invention, the computer system of the user and the host system of the store are connected via a communication line, and the user receives the product information or service transmitted from the host system of the store. Select a desired product or service from the information, and place order information for that product or service on the computer in the store together with credit information such as the company name and card number of the credit card that will settle the purchase price for that product or service. Then, the host system of the store inquires through the communication line to the host system of the credit card company whether the payment of the purchase price can be settled by the credit card, and if the inquiry result is acceptable, In an online shopping system that accepts orders, the user can A bank deposit account for settlement of payments with a credit card company as a time deposit account according to claim 1 or claim 2, and only when the settlement date for the payment of the purchase price is within the opening period of the time deposit account. It is characterized in that the host system of the store receives an order.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS 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 host system of a bank provided with a means for opening a time deposit account of the present invention. The host system 1 includes a host computer 2 and a host computer 2
The host computer 2 is connected to an ATM (Automatic Deposit / Payment Machine) 4. The memory | storage device 3 has the deposit account master 3a which records the information regarding a deposit account, and the time deposit account master 3b which records the information regarding 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.

A procedure for opening a time deposit account will be described with reference to the flowchart shown in FIG. Transaction contents such as withdrawal of deposit, deposit, transfer, opening of time deposit account are displayed on the operation screen of ATM4, and the depositor selects the item of opening time deposit account from these (step # 5,
# 10).

When this is finished, the screen asks for the insertion of a bankbook or cash card, so the depositor inserts the bankbook or cash card into a predetermined insertion slot of the ATM 4. If there is no bankbook or cash card, the deposit account number is entered using the operation keys (step # 15).

When this is completed, the screen prompts the user to enter a personal identification number, so the depositor inputs an arbitrary number. When this is completed, the ATM 4
Inquire whether this number is already registered,
The host computer 2 searches the time deposit account master 3b and informs the ATM 4 of the result. If the same personal identification number already exists, the ATM 4 screen displays an unacceptable display and a display requesting that the personal identification number be entered again. Therefore, the depositor performs the personal identification number input operation until it becomes acceptable ( Steps # 20, # 25). The PIN is A
It may be automatically given from TM4, or A
The TM4 may provide a part of the personal identification number, which the depositor may combine with any number to form the personal identification number.

When the setting of the personal identification number is completed, the screen prompts the input of the opening period of the time deposit account, and the depositor inputs the desired period (step # 30). When this is completed, the screen asks whether you want to specify the opening day of the week and the opening time zone. If you specify it, enter the day of the week and / or the time zone. If you do not specify it, the next operation (input transfer amount) ), Enter instructions (steps # 35, #
40).

Next, a screen asks the amount of money to be transferred from the deposit account that the depositor already has in this bank to the time deposit account, so that the depositor inputs the desired amount. The host computer 2 searches the deposit account master 3a to check whether transfer is possible, and if possible, transfers the amount from the deposit account to the time deposit account (step # 45). Finally, a transaction statement in which the timed account number, opening period (day of the week, time zone), deposit balance, etc. are printed is issued (step # 5).
0). The time deposit account disappears when the opening period ends, and the deposit remaining in the time deposit account is automatically transferred to the deposit account of the depositor.

FIG. 3 is a block diagram showing the schematic arrangement of an embodiment of the online shopping system of the present invention. In this online shopping system, the purchase price of a product or service is settled by a bank deposit account.
Is connected to the host system 6 of the store via the public line network PL, and the host system 6 of the store is connected to the host system 1 of the bank of FIG. 1 via the dedicated communication line L.

The user's computer system 5 has 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 line network PL via an interface 9.

The host system 6 of the store has a host computer 10, a storage device 11 and a terminal device 12, and the host computer 10 is connected to the public line network PL via an interface 13. The storage device 11 stores product image data and detailed information (maker name,
Product information master 11 that manages price, size, color, etc.
a. The terminal device 12 is the host computer 1
0 for inputting product information and the like, which is constituted by a personal computer or the like.

Next, a case of actually purchasing a product or service by this online shopping system will be described with reference to the flowchart of FIG. First, a user opens a time deposit account in a bank. Next, the user activates the personal computer 7, connects to the Internet, and displays the home page of the desired store (step #
105). When the user selects a product genre according to the instruction on the screen (step # 110) and then inputs a manufacturer name (step # 115), the host computer 10 of the store uses the product information master 11a to input image data of the product. Is read and transmitted to the user's personal computer 7 (step # 120).

After confirming the image data of the product, the user follows the instructions on the screen and detailed information on the product (price,
Input that the display of (color, size) is requested. The host computer 10 of the store reads the detailed information of the product from the product information master 11a and sends it to the user's personal computer 7 (step # 125). If the user confirms the information and wishes to purchase the product, he / she enters it and the screen shows 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 is required to input the payment information such as the personal identification number, the user inputs the payment information such as the time deposit account number according to the instruction (steps # 130, # 135). If the user inputs that the user does not want to purchase the product, the screen returns to the product genre selection screen.

After inputting the payment information, the host computer 10 of the store inquires through the communication line L to the host computer 2 of the bank whether the purchase price of the product can be settled by the user's time deposit account. To do. The host computer 2 of the bank searches the time deposit account master 3b, checks the deposit balance and the opening period of the user's time deposit account, checks whether settlement is possible, and if settlement is possible, to that effect Is transmitted to the host computer 10 of the store, and the transaction details are recorded in the time deposit account master 3b (step # 140). If payment is not possible at step # 140, an error message is displayed and the customer is asked whether to cancel the transaction. If you choose to continue the transaction, you will be returned to the product genre selection screen, and if you choose to cancel the transaction, you will be returned to the home page screen (step # 1.
45).

When the host computer 10 of the store receives a settlement enable message from the host computer 2 of the bank,
The user's personal computer 7 is informed of the completion of the order and asked whether or not to purchase another product. When the user inputs that another product is to be purchased, the screen returns to the product genre selection screen, and when the user inputs that the product is not purchased, the screen returns to the home page screen.

When the store receives an order from a 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. The same parts as those of the system of FIG. 3 are designated by the same reference numerals and the description thereof will be omitted.

This online shopping system is
The purchase price of goods or services is settled by a credit card, and the host system 14 of the credit company has a host computer 15 and a storage device 1.
6. The host computer 15 is a communication line L
Is connected to the host computer 10 of the store via the communication line L and to the host computer 2 of the bank via the communication line L. The storage device 16 has a customer master 16a that manages information about the customer (card number, credit balance, expiration date, black card, etc.).

Upon completion of opening the time deposit account, the user informs 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 place an order for a product or service at a store will be described with reference to FIG. Step # 1
The procedure from 05 to step # 130 is the same as in the embodiment of FIG. Then, in this embodiment, step # 1
At 35, the user inputs credit information such as credit company name, credit card number, and payment method.

After inputting the credit information, the host computer 10 of the store informs the host computer 15 of the credit company via the communication line L whether the purchase price of the product can be settled by the user's time deposit account. Inquire. Credit company host computer 15
Searches the customer master 16a and investigates the credit balance, whether it is a black card, etc., and checks whether the time deposit account is opened on the settlement date through the communication line L and the host computer 2 of the bank. To inquire.

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 sends the result to the host computer 15 of the credit company. In response to this, the host computer 15 of the credit company judges whether or not the card can be used, and when it is possible, the fact is transmitted to the host computer 10 of the store and the transaction details are recorded in the customer master 16a. (Step # 14
0). If the card cannot be used, a message to that effect is sent to the host computer 10 of the store, and the user's personal computer 7
An error message is displayed on the screen as well as a message asking whether to cancel the transaction. When the user selects transaction continuation, the screen returns to the product genre selection screen, and when the transaction stop is selected, 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. Then, on the settlement day, the purchase price of the product is transferred from the user's deposit account to the deposit account of the credit company.

In the above-described embodiment, when the store makes an inquiry about the card to the credit company, the credit company makes an inquiry to the bank about the opening period of the time deposit account. It is also possible to notify the opening period when notifying the opening of the deposit account so that the credit company can judge whether the card can be used or not based on this. In this way, the credit company can promptly respond when there is a card inquiry from the store to the credit company.

In the above embodiment, the user transmits the credit card number, but instead of this, when the user registers the time deposit account with the credit company, the credit company issues the time deposit. The user may be provided with a temporary credit card number that disappears as the account disappears, and the user may use this number to place an order. By doing so, it is possible to prevent the credit card number from being known by a hacker or the like, so that the safety is further improved.

Further, in each of the above embodiments, the store or the credit company makes an inquiry to the bank directly for the time deposit account, but the inquiry may be made via the credit system. Further, when the store inquires the credit company about the card, the inquiry may be made via the credit system.

[0036]

Since the time deposit account of the present invention disappears after the predetermined opening period, the damage caused when the personal identification number is stolen can be reduced.

Further, by making it possible to open the time deposit account of the present invention only on predetermined days and / or hours, it is possible to further reduce the damage when the personal identification number is stolen.

Since the online payment system of the present invention can withdraw the deposit only during the opening period of the time deposit account, it is possible to reduce the damage when the personal identification number is stolen.

Since the online shopping system of the present invention receives an order only during the opening period of the time deposit account, it is possible to reduce the damage when the personal identification number or the card number is stolen.

[Brief description of drawings]

FIG. 1 is a block diagram showing a schematic configuration of a host system of a bank.

FIG. 2 is a flowchart showing a procedure for opening a time deposit account.

FIG. 3 is a block diagram showing a schematic configuration of an embodiment of an online shopping system of the present invention.

FIG. 4 is a flowchart showing a method of using the online shopping system of the present invention.

FIG. 5 is a block diagram showing a schematic configuration of another embodiment of the online shopping system of the present invention.

[Explanation of Codes] 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 (5)

[Claims] 1. A deposit account of a bank, which is opened by transferring the amount in the deposit balance of an existing deposit account, disappears when a predetermined opening period ends, and the deposit remaining at the time of extinction is the existing deposit account. A time deposit account characterized by being transferred to a deposit account. 2. The time deposit account according to claim 1, which can be opened only on a predetermined day and / or time. 3. An online inquiry is made as to whether or not a predetermined amount of money can be withdrawn from a bank deposit account, and when the result of the inquiry is acceptable, the predetermined amount of money is withdrawn from the deposit account. In the online payment system described above, the deposit account is the time deposit account according to claim 1 or 2. 4. The computer system of the user and the host system of the store are connected via a communication line, and the user:
Select the desired product or service from the product information or service information sent from the store's host system, place ordering information for the product or service, and settle the purchase price for that product or service. It transmits to the host system of the store together with the payment information such as bank name, deposit account number, personal identification number and the like, and the host system of the store determines whether the payment of the purchase price can be settled by the bank deposit account via a communication line. In the online shopping system in which the bank host system of the bank deposit account is inquired and an order is accepted when the inquiry result is acceptable, the bank deposit account is the time deposit according to claim 1 or 2. An account, and only if the settlement date for payment of the purchase price is within the opening period of the time deposit account, An online shopping system characterized by the fact that the system accepts orders. 5. The computer system of the user and the host system of the store are connected via a communication line, and the user:
A credit card company that selects a desired product or service from the product information or service information sent from the host system of the store, and sets order information for the product or service, and pays the purchase price of the product or service. Send to the store computer along with credit information such as name and card number, and the store host system
Online shopping in which whether the payment of the purchase price can be settled by the credit card is inquired to the host system of the credit card company through a communication line, and if the result of the inquiry is acceptable, an order is accepted In the system, the user uses the time deposit account according to claim 1 or 2 as a bank deposit account for settlement of payment with the credit card company, and the settlement date for payment of the purchase price is the time deposit account. An online shopping system characterized in that the host system of the store accepts orders only during the opening period.