JPH10334164A - Electronic check method, and its device and its execution program recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To facilitate processing and to prevent illegal use. SOLUTION: A check issue management organ 11 issues a characteristic open key for a user and sends it to the user 12, and issues an electronic check at a request made by the user 12; and the user 12 verifies and stores it and sends the electronic check to a recipient 13 for a drawing process and the recipient 13 receives the electronic check for a reception process and then sends the electronic check to the managing organ 11 to request its collection.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for issuing an electronic check using a telecommunications system or an IC card, a method for verifying the method, a method for managing the same, and a device therefor. The present invention relates to a recording medium on which a program is recorded.

[0002]

2. Description of the Related Art In a conventional check settlement process,
Processing such as check book issuance, check issuance, collection request, collection procedure is involved. Since these processes are performed via a physical medium called a check, automation and efficiency are limited, and the handling thereof requires considerable time and cost.

Various attempts have been made to digitize checks and the like in order to solve the above-mentioned problems.
Net Cash (in the Proceedings of the First ACM Conf
ernce on Computer and Communications Security, Nove
mber 1993) as a conventional technique, and in particular, a description will be given of the swing-out processing. Withdrawing (payment) with Net Cash
Processing is carried out among three parties: a user, a recipient, and a check issuing management organization.

The outline of the processing is as follows. -The user sends his / her own electronic check, the recipient's public key, and the amount of the withdrawal to the check issuing authority.・ The check issuing authority verifies the received electronic check,
If it is correct, the check issuing management organization generates an electronic check in which the public key and withdrawal amount of the recipient are electronically signed, and returns the electronic check to the user. -The user sends the received electronic check to the recipient.・ The recipient receives the electronic check, verifies it,
If so, it is assumed that a valid payment has been made and the electronic check is saved.

[0005]

SUMMARY OF THE INVENTION A method for realizing a more efficient and real-time payment processing by digitizing a check, while having the same security as the payment processing by a check of the present invention, and its method. It is to provide a device. As can be seen from the above prior art, without facing
In order to carry out payments safely and securely, it is essential to involve a third party other than the person at the time.

Further, in such a case, as can be seen from the above-mentioned prior art, the burden on the third party for processing on-line, the amount of data to be held, and the like become extremely large. If the processing by a third party, for example, the credit processing for the user, particularly the recipient, is not performed, it is difficult to properly perform the transfer processing and the like. Taking the conventional technology as an example, the recipient can only be specified as a person who has a certain public key and the corresponding private key, so if the recipient is impersonated or fraudulent, etc. It is difficult to clarify the location and take appropriate measures.

An object of the present invention is to provide an electronic settlement method so that a user can execute a transaction both online and offline. Another object of the present invention is to provide an electronic settlement system so that the check issuing organization system can be operated at low cost. Still another object of the present invention is to provide an electronic payment method without risk of reuse, duplication and forgery.

[0008] Still another object of the present invention is to provide an electronic settlement method capable of securely and reliably performing a dispatch / reception process without a third party's intervention. Still another object of the present invention is to provide a swing-out device without a third party's intervention.
An object of the present invention is to provide an electronic settlement method capable of smoothly performing a withdrawal / reception process by realizing a reception process.

[0009] Still another object of the present invention is to provide an electronic settlement method which reduces the load on the check issuing organization system and reduces the system cost by realizing the issuing / receiving process without the intervention of a third party. That is.

[0010]

The present invention is characterized in that a check issuing device manages the identity of an issuer and its signature key in association with each other, and performs processes such as issuing, issuing, and depositing a check. I do. According to the electronic check method of the present invention, the check issuing organization device manages the public key of the user, issues and uses the electronic check based on the public key, receives the electronic check from the check issuing organization device, and when issuing the check. A user terminal, in an electronic check process for issuing an electronic signature generated by a secret key corresponding to the public key to a receiver terminal together with the electronic check, an electronic check implementation method including the following elements, Element 1 is a check issuing institution device, a user public key management unit for managing a public key of the user device, a check issuing unit for issuing an electronic check, a storage unit for storing the issued check, and a management for the issued check. Check management means to perform the check.

The second element is a user terminal (recipient terminal), which stores its own public key and private key, storage means for storing an electronic check issued from a check issuing agency, and verifies the validity of the electronic check. Verifying means for performing a check-out process, a sending-out means for sending out to another user terminal, and a receiving means for receiving an electronic check from the other user terminal. The processing of the electronic check method is performed in the following steps. Step 1 The check issuing management institution issues a user-specific public key to the user whose identity is guaranteed and sends it to the user terminal. Alternatively, the user terminal transmits the possessed public key to the check issuing management institution device, and the check issuing management institution device manages the public key. Step 2 The user terminal stores the issued public key. Step 3 The check issuing organization device issues an electronic check in response to a request from the user terminal and sends it to the user terminal. Step 4 The user terminal verifies and stores the issued electronic check. Step 5 The user terminal sends an electronic check to the recipient terminal and performs a dispatch process. Step 6 The recipient terminal receives the issued electronic check and performs a receiving process. Step 7 The recipient terminal sends the issued electronic check and performs a collection request process with the check issuing agency. Step 8 The check issuing institution apparatus collects the electronic check requested to be collected.

[0012]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiment 1 As shown in FIG. 1, as a basic configuration of a system for carrying out the method of the present invention, a check issuance management institution B apparatus 11, a user U terminal 12, a recipient V terminal 13 Is a communication system or an IC card, etc., so that information can be transmitted and received between them.

Here, a case will be described in which all public key encryption methods use RSA. Note that A =
The form g (B) indicates that the result of hashing B is A, and the form A‖B indicates the combination of A and B. (Public key registration) (Refer to FIG. 5, FIG. 17, FIG. 21) The check issuance management organization B apparatus 11 confirms the identity of the user U (S1), and if it is determined that the identity is correct, the user identifier generator 101, an identifier IdU for identifying the user U is generated (S2). Next, the secret key SkU (SkUp, SkU
q, SkUd), public key PkU (PkUn, PkUe)
Is generated (S3). Next, the expiration date EL of the public key
From the current date and time from the timer 103
4 (S4). Next, as user information, a user identifier IdU, a user public key PkU, and an expiration date EL
And the secret key SkU are stored in the storage device 105 (S5).
The check issuing management institution B apparatus 11 transmits the user information to the user U terminal 12 (S6). The user U terminal 12 stores the received user information in the storage device 201. (Electronic check issuance) (Refer to FIGS. 6, 7, 18, and 22) If the electronic check issuance processing can be executed, the electronic check update processing in the storage device 201 of the user device 12 is performed. Will be described.

The user U terminal 12 determines whether or not there is a valid electronic check issued by the check issuance management institution B apparatus 11 in the storage device 201 (S10U). From (S11
U), a random number R is generated from the random number generator 203 (S12).
U), the check signature C, the renewal request amount Wc, the check balance Wr, the own public key PkU and the identifier IdU, and the update signature Sc obtained by electronically signing the above time T and the random number R with the own secret key SkU. Is generated by the registered information generator 204 (S13U).

Sc = g (C‖Wc‖Wr‖PkU‖Id
U‖T‖R) ^SkUd mod PkUn Here, it is assumed that the update request amount W and the check balance Wr are the same amount, and a case where the above update process accompanies will be described below. After performing the updating process, the user U terminal 12 generates a random number r. Next, the random number r, issuance request amount W, user identifier IdU, user public key PkU, the electronic check (check signature C, issue amount Wi, issue number R)
c, expiration date EL, check issuing institution identifier IdB,
Check issuing management institution public key identifier IdPkB), update information (update signature Sc, update request amount Wc, check balance Wr,
The time T, the random number R) is transmitted to the check issuing management organization B apparatus 11 (S15U).

The check issuing management organization B apparatus 11 verifies the received user public key PkU (S16B). The verification contents include verification of consistency with the user information IdU stored in the user management device 106 and verification of the validity period EL. Next, the received electronic check is written in the check signature verifier 10.
7 (S17B). The verification contents include verification of the check signature C using the own public key PkB and verification of the expiration date EC.

Next, the received update information is stored in the signature verification unit 1.
08 to verify (S18B). As the verification contents,
User identifier IdU and user public key Pk in user information
It is verified whether U, the check signature C in the electronic check, and the update signature Sc using the update information have the following relationship. g (C‖Wc‖Wr‖PkU‖IdU‖T‖R) = Sc
^{If the PkUe} mod PkUn verification is correct, as shown in FIG. 12, the issue number Rc from the check management device 109 is compared with the received Rc by the comparator 110, and if they match, the collection history (electronic signature S1. .. Sn) (S61)
B), presence / absence of issuance history, signature signature history (S1... S
The presence or absence of the update signature Sc in n) is verified by the comparator 111 (S62B to S64B). If the verification is correct, in addition, the check management apparatus 109 sends the used area ({Wr1, X1},..., {Wrn, X) corresponding to the issue number Rc.
n) is read out (S65B), and the usage amount verifier 112 verifies whether or not (Wr, Wc) overlaps with the used area (S66B to S69B). If all the verifications so far are correct, the electronic check and the update information are stored in the storage device 105, Sc is added to the update signature history in the check management unit 109, and corresponding to the issue number Rc in the check management device 109. $ Wr, W in used area
c} is added (S70B).

Next, returning to FIG.
3 to determine the new check issuance amount Wi '(S19).
B). Wi '= W + Wc Next, in this embodiment, the issue number Rc' is determined by the following operation in the issue number generator 114 (S20).
B).

Rc '= s‖r In this embodiment, s uses a serial number so that Rc' is a unique number. Next, the validity period generator 115 determines the validity period EC 'of the check, and the validity period EC' is determined by the date and time of issuance, the check issuing management organization B public key identifier IdPkB, and the validity period EL of the user public key. (S21B).

Next, a new check signature C 'is generated by the check signature generator 116 by the following operation (S22B). C '= g (PkU Wi' Rc 'EC' IdB
IdPkB) ^SkBd mod PkBn This check signature C is generated by a random number r as shown in FIG.
The electronic cash issuance request information and the serial number s of the electronic check issue number from the storage device 105 are input to the electronic check issue number generation unit 114, and an operation of Rc = s‖r is performed. Electronic check issuance management institution identifier IdB, electronic check issuance management institution public key identifier IdPkB, electronic check validity period EC from expiration date generator 115, check issuance number Rc, and issue amount Wi
And the user public key PkU are input to the hash calculator 23, and the following calculation is performed.

G (Wi‖Rc‖PkU‖IdPkB‖IdB‖EC) In response to the operation result, an electronic signature is generated by the electronic signature generator 24 using the electronic check issuance management institution secret key SkB from the storage device 105. A check signature of the following formula is output. C = g (Wi‖Rc‖PkU‖IdPkB‖IdB‖E
C) ^SkBd mod PkBn In the description of FIG. 13, dashes "" in symbols are omitted.

Next, the check issuing management institution B apparatus 11 transmits the electronic check (check signature C ', check issuance amount Wi', issue number Rc ', expiration date EC') to the user U terminal 12 (S23B). The user U terminal 12 receives the electronic check, and performs verification using the check signature verifier 206. As the contents of the verification, the issue amount Wi ′ is Wi ′ = W
Verification of whether or not a relationship of + Wc is established (S26U);
Verification of whether or not the random number r is used as a part of the issue number Rc ', the following relationship is satisfied by using the own public key PkU, IdB, IdPkB, PkB read from the storage device, and the received electronic check: This is verification of whether or not there is (S27U).

G (PkU‖Wi'‖Rc'‖EC'‖I
dB‖IdPkB) = C ′ ^PkBe modPkBn If all the above verifications are correct, the electronic check is stored in the storage device 201 (S28U). In the following description, the notation related to the electronic check held by the user U terminal 12 is:
It is expressed in a form excluding "'" from all the above symbols. (Check delivery / payment) (FIGS. 8, 9, 19, 2)
First, the user U terminal 12 sends an electronic check (check signature C,
The recipient V receives the user public key PkU, the issue amount Wi, the issue number Rc, the expiration date EC, the check issuing management institution B identifier IdB, and the check issuing management institution B public key identifier IdPkB.
The data is transmitted to the terminal 13 (S30U). The recipient V terminal 13 verifies the received electronic check with the check signature verifier 301 (S31V). The contents of the verification are the same as those during the processing (electronic check issuance). That is, as shown in FIG. 15, the date and time T from the timer 302 and the electronic check expiration date EC are compared by the comparator 303 to check whether or not the EC has expired, and to check for Wi, PkU, Rc, EC, IdB, I
The dPkB is supplied to the hash calculator 304 for calculation. On the other hand, the check signature C is electronically signed by the electronic signature generator 306 using the electronic check issuance management organization B public key PkB from the storage device 305, and the signature result is obtained. C ^PkBe modP
kBn and an operation result g (Wi,
(PkU, Rc, EC, IdB, IdPkB) is checked by the comparator 307. If both the comparators 303 and 307 pass, the electronic check is valid.

If the verification is correct, the current time T is obtained from the timer 302 (S32V), a random number R is generated by the random number generator 308 (S33V), and the public key Pk of the recipient V is obtained.
V, time T, and random number R are transmitted to the user U terminal 12 (S
34V). The user U terminal 12 verifies the validity of the received time T (S36U). If these verifications are correct,
A signed signature generator 208 generates a signed signature Sp. That is, as shown in FIG. 14, the hash calculator 209 calculates the withdrawal / payment amount Wp, the check balance Wr, the public key PkV of the recipient V, the identifier IdV, the check signature C, the time T, and the random number R. The result is subjected to an electronic signature by the electronic signature generator 210 using the secret key SkU of the user U by the following operation to generate a signature Sp (S37U). Sp = g (C‖Wp‖Wr‖PkV‖IdV‖T‖R)
^SkUd mod PkUn Next, the signature information (signature signature Sp, withdrawal / payment amount Wp, check balance Wr) is transmitted to the recipient V terminal 13 (S).
38U). The recipient V terminal 13 uses the check signature C, the user public key PkU, the user's public key PkV, the identifier IdV, the transmission time T, and the random number R in the electronic check received earlier to change the signature Sp to the following. Whether or not the relationship is satisfied is verified by the signature verification device 310 (S40V). g (C‖Wp‖Wr‖PkV‖IdV‖T‖R) = Sp
^PkUe mod PkUn That is, as shown in FIG. 16, the reception information C, Wp, Wr,
The current time T, the random number R, the recipient public key PkV, and the recipient identification information IdV are supplied to the hash calculator 311 and the calculation result g
(C, Wp, Wr, PkV, IdV, T, R)
The digital signature generator 312 performs a signature operation on the signed signature Sp with the user public key PkU to obtain Sp ^PkUe mod PkUn, and compares the calculation result of the hash operation unit 311 with the comparison result.
Compare at 13.

If both match and are correct, it is determined that a valid withdrawal / payment has been made, and an electronic check (check signature C, user public key PkU, issue amount Wi, issue number R
c, expiration date EC, check issuing management organization B identifier Id
B, check issuing management organization B public key identifier IdPkB) and registered information (signature signature Sp, withdrawal / payment amount Wp, check balance Wr, time T, random number R) are stored in the storage device 305 (S41V). (Request for collection) (See FIGS. 10, 11, 20, and 24) The recipient V terminal 13 is the electronic check (check signature C, user public key PkU) issued (paid) from the user U terminal 12. , Issue amount Wi, issue number Rc, expiration date E
C) and signature information (signature signature Sp, withdrawal / payment amount W)
p, the check balance Wr, the public key PkV of the recipient V, the identifier IdV, the time T, and the random number R) are transmitted to the check issuing management institution B apparatus 11. The check issuance management organization B apparatus 11 verifies the received electronic check (S50B). The contents are performed by the check signature verifier 107 in the same manner as in the process of (electronic check issuance). If the verification is correct, the received signature information is verified by the signature verification unit 108 (S51).
B). The contents are the same as those during the (check issuing / payment) processing.

If the verification is also correct, the check management device 1
The comparator 110 checks whether or not the issue number Rc in 09 has an Rc, and refers to the collection history (signature signature S1... Sn) related to the electronic check of the Rc to determine whether an issuance history exists and the signature signature history (S1. ... The presence / absence of the signature Sp in Sn) is checked by the comparator 110 (S52B) and the used area ($ Wr1, X) corresponding to the issue number Rc from the check management device 109.
, {Wrn, Xn}) and {Wr, W
The used verifier 112 verifies whether or not p｝ overlaps with the used area (S53B). If all the above verifications are correct, the check issuing management institution B apparatus 1
1 is that it is assumed that Wp has been issued for the check in question to the recipient V, the electronic check and the signature information are stored in the storage device 105, Sp is added to the signature signature history, and the check management device 109 {Wr, Wp} is added to the used area corresponding to the issue number Rc (S54B). (Collection procedure) The check issuance management institution B apparatus 11 performs this processing when the processing of the (collection request) is properly completed. This processing is performed by checking whether or not the user has previously provided funding at the time of issuing the check. Depends on. In the former case, a process of transferring the corresponding amount Wp to the recipient V is performed, and in the latter case, a process of transferring the corresponding amount Wp from the user U is performed in addition to the process of transferring the relevant amount Wp to the receiver V. Is done.

In this description, only one check issuing management organization B appears, but if the transaction issuance management organizations of the user and the recipient are different from each other, the issue management organizations in the collection procedure may be involved in this collection procedure. Processing is required. Second Embodiment In the first embodiment, the RSA is used as the public key encryption method. However, the second embodiment is not limited to this, but uses a general public key encryption method. (Public key registration) The check issuance management organization B apparatus 11 generates a user public key PkU and a secret key SkU corresponding to the user U, and stores the user public key PkU and information capable of specifying the user U in the storage device 105. Store and perform registration processing.

The check issuance management organization B apparatus 11 transmits the user public key PkU and the user secret key SkU to the user U terminal 1.
Send to 2. The user U terminal 12 stores the received public key and secret key of the user U in the storage device 201. (Electronic Check Issuance) The user U terminal 12 generates a random number r as check issuance request information, and transmits the random number r and the user public key PkU to the check issuance management institution B apparatus 11. The check issuing management institution B apparatus 11 receives the user public key P
Verify whether kU is already registered. If the verification is correct, an issue number Rc is generated from the received random number r, and the secret key SkB of the check issuance management organization B is compared with the user public key PkU, the issue amount Wi (= W), and the issue number Rc.
Generates a check signature C with an electronic signature. The check issuance management organization B apparatus 11 stores the issue number Rc, the user public key PkU, the issue amount Wi, and the usable amount Wa (= Wi) in the check management apparatus 109 in a storage device, and stores the electronic check (check signature C, issuance). The number Rc, the issue amount Wi, and the user public key PkU) are transmitted to the user U terminal 12, and the check management information in the check management device 109 is updated.

The user U terminal 12 verifies whether the received electronic check issue number Rc is generated from the random number r. If the verification is correct, the electronic check (check signature C, issue number Rc, issue amount Wi) , The user public key PkU) is verified using the public key PkB of the check issuing management organization B, and if the verification is correct, the above electronic check (check signature C, issue number Rc, issue amount Wi, user public key PkU) can be used. The amount Wa (= Wi) is stored in the storage device 201. (Check issuance / payment) User U terminal 12 is an electronic check (check signature C, user public key PkU, issue amount W)
i, issue number Rc) to the recipient V terminal 13. The recipient V terminal 13 verifies the received check signature C, and if correct, acquires the current time T, generates a random number R, and uses the public key PkV, time T, and random number R of the recipient V as the user U terminal. 1
Send to 2. The user U terminal 12 verifies the validity of the received time T. If these verifications are correct,
A payment signature Wp, a public key PkV of the recipient V, a check signature C, a time T, and a random number R are generated to generate a digital signature Sp, and the digital signature information (signature signature S) is stored in the receiver V terminal.
p, withdrawal / payment amount Wp). The recipient V terminal 12 verifies the received signature Sp, and if it is correct, determines that a valid withdrawal / payment has been made, and checks the electronic check (check signature C, user public key PkU, issue amount Wi,
Issue number Rc) and registered information (signature signature Sp, withdrawal / payment amount Wp, time T, random number R) are stored in the storage device. (Request for collection) The recipient V terminal 13 sends the electronic check (check signature C, user public key P) issued from the user U terminal 12.
kU, issue amount Wi, issue number Rc) and signature information (signature signature Sp, withdrawal amount Wp, recipient public key PkV, time T, random number R) are transmitted to the check issuance management institution B apparatus 11. The check issuing management organization B apparatus 11 verifies the check signature C and the signature signature Sp, respectively, and if they are correct, the check management information (issue number Rc, check balance W
a, the signature management history S1... Sn)
09, the presence / absence of an issuance history, the magnitude relationship between the withdrawal amount Wp and the check balance Wa (Wp ≦ Wa), and the presence / absence of the signature signature Sp in the signature signature history (S1... Sn) are verified.

If the results of the above verifications are all correct, it is assumed that Wp has been issued for the check in question to the recipient V, the electronic check and registered information are stored in the storage device 105, and the check management information is updated. . (Collection procedure) The same processing as in the first embodiment is performed. Embodiment 3 This is a case where the present invention is further simplified. (Public Key Registration) First, the check issuing management organization B apparatus 11 registers and manages the public key of the user U terminal 12. The public key may be generated by the check issuance management organization B apparatus 11, or the public key owned by the user terminal 12 may be transmitted to the check issuance management organization B apparatus 11. However,
In the latter case, it is necessary to separately verify the validity of the public key. (Electronic check issuance) (see FIG. 2) The user U terminal 12 generates a random number R, and transmits the random number R, the issuance request amount W, and its own public key to the check issuance management institution B apparatus 11. The check issuing management organization B apparatus 11 verifies the user public key,
If it passes, a check number Rc is generated from the received random number R.

A check signature C in which an electronic signature is applied to the issue amount Wi (= W) and the user's public key is generated, and the user U
Reply to terminal 12. The user U terminal 12 verifies the received check signature C, and if correct, stores the electronic check (check signature C, issue amount Wi, check number Rc) in the storage device 20.
1 is stored. (Check issue / payment) (See FIG. 3) In the process of the issue / payment, the user U terminal 12 transmits the electronic check (check signature C, issue amount Wi, check number Rc) to the recipient V terminal 13. . The recipient V terminal 13 verifies the received check signature C, and if correct, transmits the public key of the recipient V to the user U terminal 12. The user U terminal 12 generates a withdrawal / payment amount Wp, a public key of the recipient V, and a signed signature Sp in which an electronic signature is given to a part of the electronic check, and carries the registered information (signature signature Sp, withdrawn / paid amount Wp). Is transmitted to the recipient V terminal 13. The recipient V terminal 13 verifies the received signature Sp, and if correct, stores the received electronic check and signature information in the storage device 305. (Request for collection) (See FIG. 4) The recipient V terminal 13 is the user U
The electronic check and signature information issued from the terminal 12 are transmitted to the check issuing management organization B apparatus 11. The check issuing management organization B apparatus 11 verifies the check signature C and the signature signature Sp, respectively, and if they are correct, the electronic check is surely received by the recipient V
It is assumed that it was issued to. (Collection Procedure) The check issuance management organization B apparatus 11 performs this processing when the above-mentioned (collection request) processing is properly completed. The contents of this processing depend on whether or not the user U has received funding in advance at the time of issuing the electronic check.
In the former case, a process of transferring the corresponding amount Wp to the recipient V is performed. In the latter case, in addition to the process of transferring the corresponding amount Wp to the recipient V, a process of debiting the corresponding amount Wp from the user U is performed. You.

[0032]

As described above, according to the present invention, the issuing / receiving process through the communication line or the IC card is realized by devising the stored information and the protocol of the check issuing management organization, the user, and the recipient. Furthermore, since the issuing process can be performed between the issuing party and the recipient, the processing load is small, and the system cost of the check issuing management organization is also small.

Also, the check issuing management organization, the user, and the recipient have their own secret information (secret key in public key encryption).
By using the signature, fraud such as forgery and the like can be prevented, and the responsibility can be clarified. In addition, the check issuing management organization manages the user's public key, and further includes the function of guaranteeing the user's public key by including it in the electronic check. Thereby, the amount of information and the amount of processing can be reduced.

Further, when the user issues the check issuance request information at the time of issuing the check, and the check issuance management organization generates the check management information, the fraud such as impersonation and forgery can be prevented.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an outline of a basic process of the present invention.

FIG. 2 is a block diagram showing basic processing for issuing an electronic check.

FIG. 3 is a block diagram showing a basic process of issuing an electronic check.

FIG. 4 is a block diagram showing basic processing of an electronic check collection request.

FIG. 5 is a flowchart showing a procedure of a user public key registration process.

FIG. 6 is a flowchart showing a processing procedure of the user terminal in issuing an electronic check.

FIG. 7 is a flowchart showing a processing procedure of a check issuing registrar in issuing an electronic check.

FIG. 8 is a flowchart showing a processing procedure of a user terminal in issuing a check.

FIG. 9 is a flowchart showing a processing procedure of a recipient terminal in issuing a check.

FIG. 10 is a diagram showing processing of a recipient terminal at the time of a collection request.

FIG. 11 is a flowchart showing a processing procedure of a check issuing registration organization in a collection request.

FIG. 12 is a flowchart showing a procedure of electronic check verification in a check issuing management organization.

FIG. 13 is a diagram showing a functional configuration of a check signature generator.

FIG. 14 is a diagram showing a functional configuration of a name information generator.

FIG. 15 is a diagram showing a functional configuration of an electronic check verifier.

FIG. 16 is a diagram showing a functional configuration of a signed signature verifier.

FIG. 17 is a protocol diagram of a user public key registration process according to the first embodiment.

FIG. 18 is a protocol diagram of a check issuance (including update process) process in the first embodiment.

FIG. 19 is a protocol diagram of a withdrawal / payment process in the first embodiment.

FIG. 20 is a protocol diagram of a collection request process in the first embodiment.

FIG. 21 is a block diagram illustrating a functional configuration in a user public key registration process according to the first embodiment.

FIG. 22 is a block diagram illustrating a functional configuration in a check issuance (including an update process) process according to the first embodiment.

FIG. 23 is a block diagram illustrating a functional configuration in a withdrawal / payment process according to the first embodiment.

FIG. 24 is a block diagram illustrating a functional configuration in a collection request process according to the first embodiment.

Claims (14)

[Claims] Claims: 1. A user terminal uses a public key of a user as user information, issue amount check management information, and a check signed by a check issuance management organization with a private key (in public key cryptography). The user's electronic check consisting of the signature is transmitted to the recipient terminal when the check is issued, and the recipient terminal verifies the received electronic check and, if the verification is correct, the recipient information including the recipient's public key is used by the user A reply is sent to the terminal, and the user terminal generates a delivery name signature in which the received recipient information, the transmitted electronic check, and the amount of the withdrawal are signed with the user's private key (in public key cryptography). The signature information including the signature and the transfer amount is transmitted to the recipient terminal, and the receiver terminal verifies the received transfer signature, and if the verification is correct, the electronic check and the transfer signature information are regarded as valid in the storage device. Electronic check method which is characterized in that 憶. 2. The check issuance management institution apparatus generates check information, and checks the user information including the user's public key, the issue amount, and the check issuance management institution's private key (in public key cryptography). The electronic check signed in step (1) is generated, and the electronic check is transmitted to the user terminal. The user terminal verifies the received electronic check. If the verification is correct, the electronic check is regarded as valid. 2. The electronic check method according to claim 1, wherein the electronic check is stored in a storage device. 3. The receiving terminal transmits the electronic check and the transfer signature information received at the time of the collection request to the check issuance management institution, and the check issuance management institution verifies the received electronic check and the transfer signature. 3. The electronic check method according to claim 1, wherein a collection procedure is performed according to the result. 4. When issuing an electronic check, the user terminal transmits the user's public key to the check issuance management institution, the check issuance management institution generates check management information, and the user's public key and issuance amount. Generating a check signature obtained by signing the check management information with a secret key of a check issuing management institution, and generating the electronic check including the check signature, the issue amount, and the check management information. An electronic check method according to any one of claims 1 to 3. 5. The electronic check method according to claim 1, wherein a check expiration date and a check issue number are used as the check management information. 6. The electronic device according to claim 1, wherein the receiver terminal obtains a current time, generates a random number, and includes the current time and the random number in the receiver information. Check method. 7. The check name Wr is included in the withdrawal name information.
In the above-mentioned check issuance management institution apparatus, at the time of verification of an electronic check, the set of the balance Wr and the amount of withdrawal X and the used history of the set of the electronic check Wr and X are based on the check issuance number. 7. The electronic check method according to claim 5, wherein the presence or absence of an overlapping portion is checked, and if there is no overlapping portion, the set of Wr and X is stored in the used area. 8. User information including a public key of the user and a random number generated by the user, an issue amount, check management information,
On the other hand, a storage device for storing an electronic check consisting of a check signature signed with a secret key (in public cryptography) of a check issuing management organization, a receiving means for receiving a signal from outside, and a receiving device for receiving a signal from a recipient terminal A signature generation means for signing a recipient's public key, a check signature, and a withdrawal amount in a recipient's information including a recipient's public key with a user's private key (in public key cryptography) to sign a signature; A transmitting means for transmitting the electronic check, the signature, and the withdrawal amount to the recipient terminal. 9. The transmitting means includes a timer for generating a user public key and date information; a random number generating means for generating a random number; and the date information and the random number are included in a signature target in the registered signature generating means. 9. The user according to claim 8, further comprising a check signature verification unit that adds the date information and the random number to the transmission of the signature signature and verifies an electronic check received from the check issuing management institution device. Terminal. 10. A receiving means for receiving information from outside, a user public key received from a user terminal, an issue amount,
Check signature verification means for verifying the validity of an electronic check consisting of check management information and a signature of the check issuing authority (check signature) with the recipient's private key, a timer for generating date information, and a random number generation A means for transmitting the date information, the random number, and the recipient public key to the user terminal when the verification is passed; and a registration information, balance, and a transfer amount received from the user terminal. A signature signature verifying means for verifying the received check signature, user public key, the date information, the random number, and the recipient public key, and, if the verification is successful, the electronic check, the signature, the amount of withdrawal, And a storage device for storing the balance. 11. The receipt according to claim 10, further comprising means for transmitting the electronic check, the signature, the withdrawal amount, the date information, the random number, and the recipient public key of the storage device to a check issuance management institution. Terminal. 12. An electronic check including a check signature signed with a private key of the institution against a user public key, an issue amount, and check management information received from a check issuance management institution apparatus, and the verification is passed. Then, the electronic check is stored in the storage device, and at the time of withdrawal, the electronic check is transmitted to the recipient terminal, and the recipient's public key received from the recipient terminal, the electronic check, and the user's private key for the amount of the withdrawal And a recording medium for recording a program for causing a computer to generate a signature and transmit the signature and the amount to the receiver terminal. 13. An electronic check received from a user terminal is verified, and if it passes, a random number and date information are generated,
These and the recipient public key are transmitted to the user terminal, and the signature received from the user terminal is verified. If the signature is passed, the electronic check, the signature, and the amount received with the storage are stored in the storage device. A storage medium for storing a program for causing a computer to transmit the electronic check, the signature, the withdrawal amount, and the recipient's public key to the check issuance management device at the time of collection. 14. At the request of a user, an electronic check signed with a private key of a check issuing management organization is generated for the user's public key, issuance amount, and check management information, and the electronic check is used for the electronic check. A recording medium on which a program for causing a computer to verify the electronic check and the signature information transmitted to the recipient terminal and received from the recipient terminal, respectively, and if both pass, is processed.